Commercial lending officer with almost 40 years of experience; has served as President of the Oklahoma City metro market for Liberty National Bank since March 2019; served as President of the Oklahoma City metro market for First Bank & Trust Co. from 2003 to 2019 and held various ascending lending positions with banks in the Oklahoma City area from 1981 to 2003; especially skilled in the building and development of teams providing successful lending programs and services. Graduate of the School of Banking in Boulder, Colorado, with a Master of Business Administration from Oklahoma City University 29 Name/Position Held Background and Experience and Bachelor of Business Administration from the University of Oklahoma. Certified Housing Commissioner with the National Association of Housing and Redevelopment Organization and currently serves as the Chairman of Commissioners of the City of Norman Housing Authority, having served as a Commissioner of the City of Norman Housing Authority for over 25 years. Serves in various other civic positions for organizations concentrating on housing for low income, elderly, or mentally disadvantaged citizens. Member of Summit Church in Norman, Oklahoma and serves as a small group lead for newly or nearly married couples and on its local mission projects. Member of our Board since 2020;