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Max Epperson is the Executive Vice President and Chief Credit Officer of the bank. He is responsible for credit policy, credit administration, loan administration and loan servicing. He is the Vice Chairman of the Management Credit Committee that reviews and approves all large loans and lending relationships and sets lending policy for the bank. Prior to joining the bank, he was Executive Vice President of Washington Mutual Bank in charge of Commercial Real Estate Lending for the central and western U.S from 2001 to 2003. Prior to Washington Mutual, he was Managing Director of Residential Construction Lending for Bank United from 1994 to 2001, and built one of the nations most successful national lending programs that financed local, regional and national homebuilders and developers. Mr. Epperson joined Bank United in 1990, as Director of Covered Assets responsible for liquidating a portfolio of assets that included commercial loans, commercial real estate loans, REO, real estate investments, consumer and mortgage loans. He has previously held lending positions in commercial, real estate, consumer and mortgage; and non-lending positions in credit and operations. Mr. Epperson previously chaired United Way and Special Olympic charity fundraisers, was Chairman of the Gulf Coast Group and President of the Texas Chapter of The Risk Management Association, and previously served on the Executive Committee of the Friends of The Stehlin Foundation for Cancer Research. Mr. Epperson graduated with honors from the University of Houston with a degree in business. | 