Resume: Ray Munnings: Regional Sales Manager 12245 E., 14th Avenue #304 Aurora, Co 80011 303-341-4661 rm1345928@westpost.

net I am looking for a Banking Institution or Mortgage Lender in Colorado, Florida o r Arizona that is currently in a growth mode where I can offer my expertise and experience to take your Company to the next level. Current Goal: Having 35 years of extensive Management and Sales experience Marketing,Secondary Mortgage Marke ts; Risk Management,Training, Investor Relations; Public Relations, Mergers and aquisitions, Human Resources; B2B Development; Product Development; Start Up for State Offices: Budget Management; Conference/Meetings and more in the Banking a nd Mortgage Lending; I am open and available to any request for relocation; if n ecessary; on my own expense. I believe I have a lot to offer anyone interested i n my expertise for any position available within your organization that I can ad d value within the organization. I appreciate any opportunity that you believe I can be an asset for you moving forward. I represent all the necessary skills th at I have learned during my extensive career. I am a responsible; hard loyal wor ker. I am looking for a second career at this point. This job fits my needs perf ectly at this time. I have a long history of Customer, Broker and Employee relationships in Colorad o, Wyoming, Arizona, Utah, New Mexico, Nevada, San Diego, Sacramento and Florida . I have the ability and experience to successful take on any challenge! 1976 - 1996: Chemical Bank/Chase Bank: I started in Collections. Within 6 months I was promoted to Assistant Manager. W ithin a year I was promoted to an Acting Managers position. I traveled to office s throughout Ohio filling in for others Managers on vacation. There where (27) o ffices. In 1978, I was promoted to State Manager. In 1979, I was relocated to In diana as State Manager to open new offices. In 1984, I was relocated to Colorado to take over 17 offices that where not meeting Company standards. I re-organize d the offices down to two (2) and was promoted to Regional Sales Manager. In 198 7, I opened start up offices in New Mexico, Utah, Arizona and California. *We did FHA/VA and Conventional Loans *I managed up to 100 Account Executives *Colorado production was 1200 - 1500 Loans per month * All States produced 2500 loans per month. * I received numerous awards for Manager of the Year and most Profitable. * I assisted in the Chase merger/1996. 1996 - 1998: Centerbank Mortgage/First Union/Wachovia: I was hired as a Senior VP and Regional Sales Manager to start a Western Regiona l Wholesale Operation for Centerbank. I established and opened the same States I had with Chemical Bank. We immediately we established ourselves as a Wholesale Leader. *We did FHA/VA, Conventional and Construction Loans. *All production numbers mirrored Chemical's. *Received numerous awards for Manager of the Year and most Profitable *Two mergers during my employment with First Union and then Wachovia. 1998 - 2002: Old Kent Bank: Again, I was hired as a Senior VP and Regional Manager to establish a Wholesale Operation for multiple States. Establishing the same success by exceeding the $5 00MM in production! In 2002, Fifth Third Bank bought out Old Kent and closed the entire Wholesale Operations: 2002: Lehman Brothers/Aurora Loan Services/Broker Funding Solutions: I was hired as the Senior VP and Regional Manager to open and start up Wholesale

for the Western Region. My staff and I knew that this was temporary moving forw ard. Within 6 months we had monthly production to $300MM. States included where Colorado, California, Nevada, Utah, New Mexico, Wyoming, Arizona Florida and Wa shington. *FHA/VA/Conventional and Niche. *Managed 75 Account Executives 2002 - 2004: United Capital Mortgage: I was hired as their National Sales Manager to start up their Wholesale Operatio ns Nationally. Again, to establish the Company as a major player in the marketpl ace so the Company could be sold. Within 3 months, we exceeded $200MM. During th e second year, we established ourselves by doing $500MM nationally. I had the sa me States as Chemical plus I added Florida, Georgia, Ohio, NC, SC, ND, SD, Nebra ska, Indiana and Montana. This was an independently owned Company. *FHA/VA, Conventional, Construction, Commercial and Niche. 2004 - 2006: Due to personal reasons, I moved to Florida to assist my elderly parents. 2006 - 2007: First Magnus: I came back to Colorado. I came on board as a Senior AE! I produced $10MM. First Magnus went through a Senior Management change. I was approached by my Manager, Matt Allison to move. *FHA/VA, Conventional and Niche. 2007 - 2008: WestAmerica: I was hired as a Senior AE. My production was about $10MM. Matt Allison was my M anager. January, 2008 to April 2008: Fidelity Home Loan: I was hired to help established their Wholesale Division with the promise to tak e over as Sales Manager for the Western Region once we got established. I brough t in about 100 loans my first month. On March 3rd, Fidelity decided to close dow n the operation because they could not fund our loans due to warehouse issues. S NMC hired me on 4/1/2008 with the promise of Sales Management. As of today, they have decided to hold off. Because of my work history the last 2 years, I have decided that it is a perfect time for me to get back into what I do and know best, Sales Management. Also, b ased on my 33 years experience, I believe that this is a perfect time for any Wh olesale Company to Colorado and establish a Western presence. 2007 and 2008 - WestAmerica Mortgage - I did $10MM. My supervisor was Matt Allis on (First Magnus also for 2006) 303-475-0672. Matt was also my RMIC Rep when I r an Wholesale Companies. I left due to changes with WestAmerica and an opportunit y as a Sales Manager with First Fidelity Home Mortgage. First Fidelity Home Mortgage - 1/2008 to 4/2008. Generated about $30M in my pipe line. They Closed the Company 3/15/2008. We stayed on-board trying to get loans closed. Mark Hadley (known 15 years) 720-323-6786. Stearns Wholesale - 5/2008 to 6/2009. Sales Manager of Colorado. We where over $ 15MM. Promise was to open a Colorado Office. Plans changed when they pulled the trigger on the old Taylor Bean group (now FPF) and a Chicago Wholesale Company. Of course this made me the odd man out. I was offered to stay on-board as a Sr. AE. At this time; Wintrust Bank (fka: WestAmerica) contacted me to re-develop Co lorado. WestAmeica was bought out by Wintrust Bank. Wintrust Wholesale - 7/2009 - October 15, 2010. Closed the Wholesale Operation o n 10/15/2010. report: Brandon Green 913-515-9201 - I have always been a great Ma nager and producer; it is just that the business has changed so much in the last few years; that it has been these changes and closures over the years that real ly affected me as well as our Industry.Wintrust just decided it was too much wor

k to stay into Wholesale. My pipeline when we shut down was over $25M. One thing to keep in mind is that all my loans where conventional loans. Wintrust did not want FHA loans. Thank you and please let me know if you have any questions!

REFERENCES: RAY MUNNINGS Brokers References : *Leah Denesha: Owner Aspen Leaf Mortgage - 303-485-8988 *Meg Werner: Clarion Mortgager -303-646-5222 *Roger Lynn: Genworth MI - 20 years - 303-618-9613 *Arnie Goldstein: Citywide Banks: 303-885-7556 *Debbie Stolte: 20 Years: AMSW Mortgage - 303-880-6146 *Nate - US Bank/MGIC - 719-338-1066/10 yrs *Phil Meyer - Wintrust Bank - 303-539-6776 - Since 1985. *Don Bosch - Broker and then Co-worker - 720-209-7760/25yrs *Derrick Strauss - Partner of American Home Funding - 303-588-0200 *Mark Ryland - FCF Services - 720-733-1970 Previous Employees References: Jessica Jacks - Underwriter/FHA - 970-689-0417 Bill Beckmann - AE - Colorado Springs - 303-619-4002 (known 20 years) Chuck Meyer - AE - North Denver - 15 + years - Did $25-$30MM - (known 20yrs) - 3 03-475-0377 Kendra Johnson - Ops Manager - 303-748-4556 (known 20yrs) Krista Kaines - Closer - 303-910-0784 (15yrs) Kim Woodcock - Underwriter/Now AE - (known 15 +yrs) -303-810-8738 Joe Wilson - AE - Western Slope - 970-948-4930 (known 15yrs) Ginette Haag - Underwriter - 303-912-1786 Matt Allison - My Manager at First Magnus and West America. Also, 16 years as a MI Rep. - 303-475-0672 *Salary Requirements: Open and Negotiable. Usually a guarantee for a period of t ime! Then a salary with profitability! *Staff Available! I have 30 years of experience in Colorado, California, Arizona and Florida with my previious Companies! Family references available. All in Florida!