JOHN L. TRUELOVE324 Fareham Drive, Venice, Florida 34293 • JCKCTrue®verizon.net / www.linkedin.com/ln/iohn-truelove-2b38b126 /Phone 941-587-4564

OBJECTIVE

A leadership or senior position utilizing my experience, skills, and background to promote corporate growth,enhance profitability, improve returns, and assist more junior officers in their skills development.

QUALIFICATIONS

Over 25 years progressively responsible banking, management, and financial experience involving:

• Senior Lending - Commercial C & I, Commercial Real Estate, and Consumer Lending• Senior Asset Manager - Special Assets Resolutions, multi-state and relationship• Credit and Financial Analysis• Management - Junior Lenders and Asset Managers

EXPERIENCE

PRESENT

Merrill Lynch, Venice, FL 11/2016 - PresentFinancial Advisor Trainee, Practice Management Development Program

Series 7 Licensed and presently working towards Series 66 License. Anticipated completion of Series 66is in April 2017.

SPECIAL ASSETS RESOLUTION 2009 - 2016

Managed all manner of distressed and downgraded debt workout involving Commercial Real EstateExtensive Participation experience in either bought or sold interestsServicing rights experienceLoss Share experienceManaged personal portfolios in excess of $70MM and 90 loansOther experience includes budgeting, Case writing, developing and writing action plans,developing strategies, initiating legal actions, and measuring results

Hudson Realty Capital, LLC, Fort Myers, FL 6/2013 - 2/2016Vice President, Senior Asset Manager, Special Assets

First Federal Bank, Myrtle Beach, SC 4/2011 - 6/2013Vice President, Senior Asset Manager, Special Assets

Deloitte and louche, McLean, VA 6/2009 - 4/2011Senior Asset Manager, FDIC Receivership Assistance Contractor(Dallas, TX / Minneapolis, MN / Springfield, IL / Owings Mills, MD)Traveled extensively as a Receivership Assistance Contractor to the FDIC for 2 years. Returned tobanking thereafter and then private equity performing similar assistance. Managed Junior AssetManagers while contracted to FDIC.

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BANKING EXPERIENCE 1979 - 2009

• Progressively responsible banking career including collections, management, lending, and SeniorManagement

• Full range of banking activities including Credit Underwriting, Business Development, andManagement

• Commercial and Consumer underwriting, cash flow analysis, collateral evaluations, writing creditmemorandums, loan and credit annual reviews, Risk Rating, portfolio management, tax returnanalysis, financial statement analysis

• Pricing, negotiations, loan structuring, independent approval authority, Loan Committeepresentations

• ALLL analysis and methodology ($100MM community bank), Credit Administration support, LoanOperations support

Freedom Bank (Fifth Third Bank), Bradenton and Naples, FL (FDIC Receivership)** 2008 - 2009Sen/or Vice President, Senior Lender/ Special Assets (FDIC and Florida OFR approved position)

Riverside Bank of the Gulf Coast, Venice and Sarasota, FL (FDIC Receivership)** 2006 - 2007Vice President, Commercial Lending

SunBank, N.A., Murrells Inlet, SC 2000 - 2006Senior Vice President, Senior Lender/ Senior Credit Officer (OCC approved position)

Coastal Federal Savings Bank, Surfside Beach, SC 1997 - 2000Vice President, Community Banking Leader

NationsBank, N.A. (Carolinas) (Successor to NCNB and BNC) 1979 - 1997Wee President, Direct Lending, Myrtle Beach, SCAssistant Vice President, Commercial Loan Officer, Shallotte, NCBranch Manager, Calabash, NCBanking Officer, Branch Manager, Shallotte, NCBranch Manager Trainee, Kinston, NCCollections Manager (7 offices), Wilmington, NC

** These institutions failed shortly after relocating to Florida. Hired at Freedom Bank as part of a Regulatoryorder to replace Senior Management that had been discharged. The initial order was a MOU that becameaC&D. Transitioned thereafter to FDIC contracting and later into Special Asset Resolution.

EDUCATION & PROFESSIONAL DEVELOPMENT

B.S., Business Administration University of North Carolina at WilmingtonSouth Carolina Bankers School University of South CarolinaVarious Formal Credit Training NCNB / NationsBank

VOLUNTEER ACTIVITIES

Coaching Youth Baseball (20 yrs)Past Civic Organizations - Rotary International (Secretary and President Elect) and the Lions Club.

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