Richard G. Young 561 Ravenwood Dr. Maryville, TN 37801 Contact Phone: 865-806-5935 Email: ry15f05c4@westpost.

net PROFESSIONAL SUMMARY: I have over 38 years in the commercial banking industry handling all types of bu siness and consumer loans concentrating a great deal in sales calls on many cust omer prospects to determine there financial needs and try to satisfy them as to there benefit, along with the benefit of the financial institution I was working with. I attended the University of Tennessee Knoxville, Tennessee Bankers assoc iation schools, and The Graduate School of Banking of the South, LSU. I have als o assisted many community groups with financial information and advice at home s hows held in malls, worked actively with the Chamber of Commerce, business fairs , and Tennessee Small Business Centers. My experience has taught me to be throug h, detailed, accurate, and that the customer is the most important thing to any business and they should be respected and handled professionally. Thanks to my D ale Carnegie course several years ago, I am an excellent listener and communicat or with customers and other employees. I offer the following skills that have ensured my success: *Detail oriented *Dependable *Customer empathy and service *Conscientious *Sales oriented *Communicator *Competitive Work Experience: Vice President, 12/2007 to 06/2008 Regions Bank 151 Major Reynolds Place Knoxville, TN 37919 Job Responsibilities: Developed and managed business customer relationships, handling their banking ne eds. Identified opportunities to build our customer base for continued bank grow th and communicated the customer opportunities to area branch managers to assist them on providing acceptable baking services that had a benefit to the customer prospects the most. Senior Vice President, 12/2004 to 09/2007 United Community Bank, 725 Highway 321 North, Lenoir City, TN 37771 Job Responsibilities: Developed and managed a $30M loan portfolio, doubling it from $15M, normally gen erating over $1M per month in new loan growth. I also worked on internal committ ees to improve systems and procedures for new products available to corporate an d consumer customers. I also worked when needed with 17 other loan officers assi sting them with and special loan requests they had that they may not be comforta ble with, so we could provide the best option and presentation to the customer.

Senior Vice President and Senior Loan Officer, 06/1994 to 12/2004 The Home Bank of Tennessee (purchased by BB&T) 216 Foothills Mall Dr., Maryville , TN 37801 Job Responsibilities: Worked directly for the president of the bank to obtain a new State of Tennessee bank charter to form The Home Bank of Tennessee, which started as a new communi ty bank in Maryville, TN originally formed with no assets and grew to over $ 100 M in total assets before it sold to BB&T. I also developed and managed a loan po rtfolio of $ 35M, and chaired weekly loan committee meetings. I also managed all aspects of loan compliance management to ensure all FDIC and State of Tennessee regulations were followed, actively integrating with state and federal bank exa miners. Vice President, First American National Bank, 04/1991 to 05/1994 Job Responsibilities: Reviewed and reported on the quality of the corporations loan portfolio and the adequacy of the loan loss allowances in the Blount County market of East Tenness ee. Managed a loan portfolio of business loans that averaged between $ 2M and $ 10M in annual sales. Reviewed and audited all commercial loans in the Blount Cou nty market to ensure compliance with proper documentation and underwriting proce dures, correcting for any deficiencies discovered. I also prepared quarterly rat ed loan reports for submission to corporate office in Nashville, TN. Vice President, Citizens Bank of Blount County (CBBC), 08/1975 to 03/1991 Job Responsibilities: Processed applications and documentation to the State of Tennessee and FDIC offi cials to open two new branches one in 1977 and the second in 1983. Managed all h uman resource needs and training of new employees for the bank from 1981 till 1 983. Opened two new branches as branch manager as previously mentioned and was responsible for there growth and the ability for us to deliver satisfactory serv ice to their customers along with other employees. Managed delinquent loans an s pecial assets from 1981 to 1985 which was during a large economic turndown. Assistant Branch Manager, Valley Fidelity Bank and Trust, 06/1974 to 07/1975 Promoted to Assistant Branch Manager from management training program after grad uating form University of Tennessee Knoxville. Auditor, Hamilton National Bank, 08/1969 to 05/1974 Conducted branch internal audits, correspondent bank audits, and dealer floor pl an audits until graduating from University of Tennessee, Knoxville.

EDUCATION: The University of Tennessee, Knoxville, TN Bachelor of Science, 1974 Major: Banking Minor: Accounting/ Economics

Maryville High School Maryville, TN State Diploma, 1969

CERTIFICATES: Graduate School of Banking of the South LSU, Baton Rouge, LA, 1990

JOB RELATED TRAINING Commercial Lending School, Tennessee Bankers Association, 1985 Consumer Lending School, Tennessee Bankers Association, 1982 Dale Carnegie, 1976 AWARDS *Distinguished President Award Maryville Kiwanis Club, Kiwanis International, 19 80

AFFILATIONS *United Way of Blount County, Campaign volunteer and Division Leader *Maryville Kiwanis Club, member and past President *Blount County Leadership Class, member of first class *The Chamber of Commerce Foundation, Treasurer *Blount County Home Builders, member and director *Air Force ROTC, University of Tennessee, member 2 years