Beatrice is currently employed by GMAC-Rescap's Master Servicing Team where she has been for more than 11 years. She is responsible for the high-level oversight of a national REO portfolio for timely disposition while managing multiple servicing relationships. She is also responsible for handling loan level exceptions of which she does through exception based reporting to include analysis and decision-making on escalated issues. Prior to GMAC-Rescap, she was a Sr. Loss Mitigation Specialist and Underwriter at Home Savings of America specializing in the approval of Loan Modification, Short Sales, Repayment Plans and Loan Approvals.

She is an Active member of her community and a Volunteer for the city's Adult Literacy where she tutors young adults in the basics of reading and writing. She has also volunteered her knowledge and time to REOMAC and is a recipient of GMAC-Recap's Celebrate Leadership Award and twice the recipient of Home Savings Director's Guild awards.

She has been a Regular member of REOMAC since 2002, participated in several conferences, workshops, and volunteered on several committees. In 2008, you elected her to the Board of Directors and in 2009, the board elected her to Vice President. She has since continued to share her knowledge throughout the industry events by participating on various Panels and Lender forum events while contributing her time and dedication to the REOMAC association.

She wants to continue her service to you and remain on the board. It allows her to participate on a national level while providing her the opportunity to give back to you the experts who have given so much of yourselves to this industry. If elected again, she promises to continue to share what she has learned good/bad throughout her career and by doing her role in being your advocate on matters that are related. She also promises to seek ways through REOMAC resources to help you with your continued success.

Her vision(s) for REOMAC are of reality. She sees the association having to adjust to the needs of the people during these hard economic times by seeking areas of opportunities to streamline our practices while looking for ways to provide more opportunities for growth for everyone. REOMAC will have to remain focused on staying the strong, stable and elite group it is today and seek no nonsense approaches in dealing with matters while continuing to move forward and upward with new ideas to enter into the upcoming market that is constantly and rapidly changing before us.

Dear REOMAC members,

I am writing this to request your vote for the upcoming Board of Directors election. I have been a member of REOMAC since 2000 and have served on the board two different times (2004-2005 and 2007 to the present). In addition to serving on the board, I have also served on various committees, including the education committee, publications committee, lender roundtables, assisted with the silent auction, helped with registration at the conferences and have participated on various panels both at the conferences and regional dinner meetings. This has allowed me to understand the inner workings of REOMAC and give me assistance in knowing where REOMAC is going for the future. I feel with this experience, especially being on the board the past two years, I can assist the new board in developing the programs and the direction the board needs to go for its members. I want everyone to know that, if elected, I am open to suggestions and welcome input from any member of the organization. The board has accomplished a great deal in the past two years, but we have a great deal of work left to do. Like anything in this industry, if you set back and think nothing needs changing, you get left behind. That is not what I want for our organization and as one of your board members, I feel confident we can keep changing with our industry for the betterment of your organization.

Thank you for your support,

Benton Neese

I have been practicing law for 15 years. My practice is concentrated in real estate owned (REO) and I handle title and closings for over 2000 assets per year.

I joined Rogers Townsend & Thomas in 2002, quickly took over the firm's Real Estate Owned (REO) division, and became a shareholder. I am currently the department head of the Transactional Law Department and I manage the REO (real-estate owned) and residential real estate teams.

I graduated from Florida State University (BS 1990), the University of South Carolina School of Law (JD 1992) and the University of South Carolina School of Business (MIBS 1995). I was admitted to practice law in South Carolina in 1993 and Florida in 1995. I am also admitted to practice in the United States Supreme Court, the United States District Court for the District of South Carolina, the Northern District of Florida, and the Southern District of Florida.

I am past-President of both the Palmetto Land Title Association and the Mortgage Bankers Association of Greater Columbia and served on the boards of both organizations for several years. I have also served on the Board of Directors of Carolina Sunshine for Children, a non-profit organization for children with life threatening illnesses. I am a member of the South Carolina Women's Law Association, the Home Builders Association of Greater Columbia, and I serve on the Convention committee of the South Carolina Bar. In 2006, The State newspaper selected me as one of "20 under 40" award recipients for outstanding business people in the Midlands of South Carolina.

I am married to a South Carolina Highway patrolman and we have two children and three rescued dogs.

WHY I WOULD LIKE TO BE A MEMBER OF THE BOARD OF DIRECTORS

REOMAC faces quite a few challenges in the upcoming years as an organization. The overwhelming wave of foreclosures that began in 2008 continues to spiral, and predictions are that it will persist for some time. An unfortunate consequence has been a forceful dive into the default industry by asset management companies, agents, title companies, and lawyers who all want a piece of the action. REOMAC remains the premier organization and educational resource for its members who are experienced, knowledgeable, and not fly-by-night.

I would like to serve on the REOMAC Board of Directors for several reasons. As the managing attorney of the REO department of Rogers Townsend & Thomas, I have a solid understanding of the issues that face the default services arena, both from a national regulatory perspective and a boots-on-the-ground perspective. Additionally, my prior board experience provides me with the understanding of the work, the commitment, and the team effort that goes into governance. I am a solid leader with a proven track record and I can bring this leadership to REOMAC.

I appreciate your consideration of my candidacy.

I am past president of the Escrow Institute of California which is the trade organization for Independent Escrow Companies in California. I currently serve on the Board of Directors of this Association.

I am the 2010 President of the San Diego County Escrow Association and in that position will be a Director for the California Escrow Association.

Our company is involved in many local real estate boards and the Clairemont Chamber of Commerce. I continue my education by attending seminars, lectures, conferences, including REOMAC; 5 Star; National Settlement Summit; American Escrow Association; California Escrow Association; Escrow Institute of California conferences; webinars and classes.

I have been providing settlement services since 1979. I have owned my company since 1987. In that capacity I have seen the many changes in the real estate market and believe that I will lend a valuable voice to the REOMAC Board.

Something that I think that is missing in many organizations is the voice of the specialist on the street; the business and staff that has been in the community and understands the local processes and procedures to get the deal done! Having a working relationship with Lenders; understanding the REO and educating each other is the only way we can wind thru the maze of the REO transaction.

I have the experience to help make that happen!

I would appreciate your vote! Please write in GENIA ENGELSTAD.

Respectfully Submitted,

Genia Engelstad

Robert Gomez, Vice President and Sales Manager for Investors Title Company in California has been in the title industry for over 20 years and brings a wealth of knowledge and experience in closing REO transactions.

As a graduate of California State University, Fullerton Robert holds a Bachelor's degree in Communications with a minor in Sociology. He is adept at dealing with municipalities throughout the state of California. "There are no problems, only solutions" is his motto when it comes to closing challenging REO transactions. Robert's past and present clients include and are not limited to; Fannie Mae, Citi, AHMSI, NDS, ADVENT REO, Green River Capitol and Precision Asset Management.

Robert has been the affiliate president of various local boards and is on the board of directors for MSELA chapter of NAHREP. He is also a member of WCR, AREAA and an active member of REOMAC.

I understand what REOMAC's mission is all about. We need to maintain our identity as the premier REO organization in the industry while helping local, State and Federal entities understand how to deal with the ongoing concerns of the REO industry. Since 1989 I have been involved in the REO industry from a title point of view and have worked on compliance and legislative issues to help protect the lending institutions as well as the individual homeowner in the United States of America. REOMAC has been a leader for over 2 decades and I would be honored to continue in that tradition, if elected to the affiliate category of the Board of Directors. My goal is to help REOMAC broaden its scope through partnerships with real estate entities and community outreach programs. I am thankful that REOMAC has allowed me to run for this position and I will give 100% to REOMAC if elected. I recently spoke at the title attorney breakout session in Florida and received some wonderful comments on our session. I would like to get even more involved into the aspect of title insurance and how it plays a key role in the REO world.

When Robert is not working he loves surfing, snow skiing, fly fishing, playing soccer and golf. He has been happily married for 19 years to his lovely wife Kim. They have 3 children, Sarah and twins Garrett and Sage.

Thank you for your consideration and have an AWESOME day!!

Best Regards,
Robert Gomez

What Robert Klein would contribute as a member of the REOMAC Board of Directors.

As a member of the REOMAC Board, Robert Klein will offer a unique perspective to advance best practices that will serve the common interests of REO brokers and mortgage field servicers. That interest is to assure that REO properties remain safe, secure and well-maintained until they are sold, and to maximize the property's potential for a faster and more valuable sale.

Robert Klein is CEO of the largest privately held mortgage field services company in the U.S. As he has done through his involvement in other industry groups, Robert will commit his personal and company resources to serve the mission of REOMAC and the needs of its membership.

In that regard, he has forged strong relationships with brokers nationally to better serve the mutual interests of our REO clients. These relationships have been built largely through his active participation in REOMAC for many years, as a conference participant, panelist, and editorial contributor to REOMAC Update.

One of the greatest challenges in the mortgage servicing industry is effectively addressing critical issues around REO properties. Robert has been a champion nationally on behalf of the industry with regard to vacant property ordinances and other regulations that impact REO properties. He has reached out to cities across the country to open channels of communications and build relationships on behalf of the industry and the clients we serve.

Deborah Leone, Founder & President, LionsGate Financial Network, Inc.

Funding in excess of $1.7 billion dollars, LionsGate Financial Network, Inc. founder and principal, DEBORAH LEONE, has more than 20 years of experience in real estate investment and finance.

Ms Leone served as an Assistant Vice President for Chase Manhattan Mortgage Corporation and JPMorgan Chase Home Finance, Business Development Manager for Indymac Bank and World Financial Group.

Training in excess of 17,000 real estate professionals nationally in 2009, Ms Leone is the author of Breaking Into The Banks, a pre & post foreclosure manual as well as developer and presenter of live trainings accredited by the California Department of Real Estate for licensed real estate professionals. She is an active member and certification trainer for REOMAC, the national association of default servicing industry leaders.

Her national teams of over 1,800 real estate professionals have the experience and ability to collaborate with several of the highest volume lenders, servicers, and government sponsored entities (GSE's) in the REO and foreclosure industry. Her expertise offers valuable, unique and experienced leadership in today's market.

How I can serve REOMAC...

My goal as a REOMAC board of director is to position REOMAC as our industry's national leader. REOMAC is where the default services industry, as a whole, comes together to identify, ask and answer today's tough questions. REOMAC's power to create positive change begins with it's the unique blend of 'cradle to grave' perspectives that each REOMAC member brings. My 20+ year career in mortgage banking, real estate investment and as a national Loss Mitigation & REO certification trainer has created a diverse collaborative of industry leaders. My goal is to serve and assist the REOMAC organization navigate the constantly changing tides of today's market.

Deborah Leone

Dee Anna Pope is the V.P. General Manager of Hallmark Escrow Company, Inc. and Coast Cities Escrow. Currently she manages a total of 18 escrow branches throughout Southern California.

Prior to joining Hallmark and Coast Cities Escrow, Mrs. Pope was with Fidelity National Title where she received the O.C. Million Dollar Month Club award. Prior to that, she worked with the Re/Max organization focusing on Residential Resale and Refinance transactions. She received her commercial and high liability training in Phoenix, Arizona where she resided for 6 years. She acquired her track and new development experience in Mission Viejo, CA in the early '80's preceded by creative financing in the late '70's when she began her career.

Mrs. Pope served as Director in 1995 to the Orange County Escrow Association where she received the Rookie Director of the Year Award, followed by Director again in 1996 through 1999 to the OCEA. Lastly serving three terms as Director for the California Escrow Association in 1997 through 1999 when she received the Public Relations Award 2nd place in 1997 from CEA to OCEA for recognition of Outstanding Achievement in Public Relations. It is this level of professional experience that will allow her to effectively contribute to the REOMAC organization.

Born in Detroit, Michigan and raised in Dana Point, California Mrs. Pope enjoys golf, snow skiing, tennis, bicycle riding and traveling. She lives in Huntington Beach, California with her husband, Ken. Together they have 5 children and 4 grandchildren. The best promotion she ever received was from Mom to Grandma 4 years ago!

It is my pleasure to be considered for membership to the REOMAC Board of Directors as I have been working in the closing/escrow real estate field since 1979.

Since 2006 my primary focus has been on the Pre-Foreclosure, Short Sale market in Southern California. I currently direct a network of 18 branches which consistently closes hundreds of REO and short sale transactions monthly resulting directly in creating a platform to educate and motivate real estate professionals in this market.

I welcome the opportunity to share my unique pulse on the Pre-Foreclosure, Short Sale market nationwide to help all Lenders and Closers to work together to make the Short Sale process seamless.

Finally, if elected, I readily accept the challenge of promoting industry initiatives and education and will strive to continue the spirit of sharing of ideas to further education and networking among the REOMAC members.

Sincerely,

Dee Anna Pope

I made it my goal at the beginning of the year to attend every meeting and conference in order to further my commitment to REOMAC, and the needs of our members. During the last meeting in Salt Lake City, I was able to discuss the vision of REOMAC with the attending Board of Directors; their vision runs parallel to my philanthropic goals, which play a big role in my career. As a Board member, I will be in a position to impact the organization by sharing ideas with my colleagues that can truly make a difference; ideas that perhaps come from a slightly different perspective, but will resonate with members. I have championed key issues like loss mitigation, health and safety, environmental impact, and code enforcement on behalf of the industry.

I have been associated with REOMAC since the early 90s and served on the Board at the turn of the century as one of its first preservation contractors. I remember the 'mom & pops' during the formative years of our organization who have now grown into sophisticated companies, thanks in large part to REOMAC.

My company is headquartered at the epicenter of the mortgage collapse in California, and I am determined to help alleviate the devastating effects of the economic meltdown. From my associates in the REO business, who want their businesses to thrive, to the displaced parents and their children who need our help, my goal is to make a meaningful contribution. My personal philanthropic goals involve the establishment of a foundation that can help those families that have been displaced by foreclosure or other extenuating circumstances. Children are our future and I am proud to support the REOMAC Scholarship Program.

I have gained a wealth of knowledge and experience growing up in the industry and my career path has led me through many aspects of the real estate business. From fixing smoke detectors to building multi-million dollar, state-of-the-art, fire stations, my company has done it all. I have been responsible for over $100 million in construction projects overseeing virtually every facet, from engineering, budgeting, and managing to design/build. Gamut Companies was ranked a Top Specialty Contractor out of thousands of contractors by California Construction Magazine, and also received two prestigious Fannie Mae Gold Hammer Awards. I was listed in 'Who's Who in America' last year for leadership and achievement in my industry.

'Going Green' may be an empty slogan for some companies, but we actually employ green practices in both our construction and renovation activities, as well as recycling the waste products generated by trash outs. My company has been awarded LEED certified projects by San Bernardino County, San Clemente, and Chino.

On a personal note, I cherish my family life and my two young children. I was born and raised in Pennsylvania as a third generation contractor. At the age of 12, I moved to Southern California where I eventually attended the University of Southern California studying business and communication.

I humbly ask for your vote and pledge to serve our organization with integrity and distinction.

Mark Scarlatelli

BACKGROUND EXPERIENCE
Dawn Stevens has more than 27 years in the real estate industry. She began her career as a receptionist for a real estate attorney, and worked her way through the ranks, quickly learning the law and procedures to get results. She was promoted to real estate paralegal and oversaw statewide REOs for Freddie Mac's Designated Counsel Law Firm. Prior to her current role as Director of National Business Development, with Metro National Settlement Services, she was a licensed real estate agent. Today, Dawn's primary focus is the continued development of the REO Asset Management and Title and Escrow Operations, both locally and nationally.

WHY YOU SHOULD VOTE FOR DAWN STEVENS
Dawn will bring experience and energy to the Board of Directors. Working with a broad array of industry professionals, she has an appreciation and deep understanding for the work of Asset Managers, as well as Real Estate Agents, Lenders, Servicers, Title/Escrow Companies, and Field Service Companies. Dawn is recognized by her colleagues, for both the high level of professional/personal service and the ethics she demonstrates in her work while representing the industry. Drawing on her diverse background and expertise, Dawn will bring a unique perspective to the Affiliate Board. She will work to improve and streamline the REO process, while engaging REO Mac and the affiliated agents as they work in their respective communities, providing them support for today and considering their needs for the future.

Most often, I am described as a people person - with an energetic, outgoing and dedicated personality. Combined with my legal and marketing background, these traits have allowed me to excel in the real estate industry where I balance humility with a willingness to learn and lead. I believe there is no magic formula for success, as it comes from honesty and integrity, coupled with hard work, long hours and good communication skills. These all add up to the basic requirements towards success in delivering exemplary results to the industry. I welcome the opportunity and would be honored to become an Affiliate Board of Director with REO Mac.

I greatly appreciate your consideration and VOTE - Dawn Stevens.

Sara is the principal of The Waite Group, LLC, a Dallas-based firm providing REO operations and management consulting services in addition to REO training for several functions within our industry. With her depth of REO experience, Sara is passionate about sharing her knowledge through management and training, and enjoys speaking to and learning from industry peers. She believes that knowledge is power and has worked with the REOMAC Board of Directors to create a more comprehensive training and certification program for REOMAC members.

Sara was previously with Saxon Special Servicing in Irving, TX where she established the REO Department. Her responsibilities included the development and management of REO processes, production oversight and creation of process efficiencies through technology. Prior to joining Saxon, she was the Director of REO for GMAC Mortgage where she managed the REO subservicing business and relationships. Sara's career history spans 20 years of REO asset and portfolio management with several financial institutions and servicing firms to include Clayton National, Ontra Inc., and the Resolution Trust Corporation (RTC). Sara maintains close relationships with servicers and REO providers and draws from her servicing experience to present solutions to her clients.

Sara has served on the REOMAC Board of Directors since 2006 and has been the REOMAC Certification Committee Chair since 2008. She has also participated on the Education and Governance Committees. Sara has assisted at conferences as a volunteer and has spoken on several REOMAC panels throughout the years.

Why I would like to continue as a member of the REOMAC Board of Directors and my Vision for a REOMAC of the Future:

REOMAC Certification! A program created for YOU, REOMAC Members, that will provide you recognition from lenders/servicers and outsourcers. REOMAC has undergone changes over the last few years and it is only the beginning of greater things yet to come. Education and Certification has been on the forefront of everybody's minds and we've hit the tip of the iceberg with regards to what my vision is for this great organization and the manner with which we bring greater education to members who thirst for knowledge. Member benefits in 2010 will be enhanced with a REOMAC Designation Program for Agents and Asset Managers as well as a continued education program for the future. I look forward to creating similar programs in the areas of Short Sale and Commercial REO, as well as the many job functions that fall into our Affiliate category. I envision creating webinars and additional live events to be held more frequently throughout the country, not only at our conferences and dinner meetings. I commit to developing a schedule that will make it more convenient for you to receive training and education through REOMAC. I would be proud to continue presenting ideas to the Board on your behalf, our Members, should I be elected to serve another term. TOGETHER let's continue to escalate REOMAC to the next level!

Sara Waite

Kip Adkins has been in Mortgage Banking since 1996. His career began at Wolf and Richards, a mortgage banking law firm, where he executed unlawful detainers for REO servicers. From 1998 to 2003, he served as an Asset Manager for GMAC/ Homecomings and worked a national portfolio of REO liquidations. In November of 2003, Kip sought new opportunities as an Asset Manager at AMC Mortgage Services (fka Ameriquest). Recognized for his work ethic and knowledge, he was quickly promoted to the position of REO Manager in 2005. In late 2006, his experience and expertise allowed him to easily make the transition to AMC'S Loss Mitigation Department managing a special unit dedicated to reducing the foreclosure rate. By 2007, Kip was ready to start his own brokerage firm selling REO properties in Southern California. In a short time, he has earned the respect of his peers and has gained brand recognition for his company, Aegis Realty. His experience in all facets of REO offers a keen understanding of the industry's needs.

I welcome the opportunity to give back to the industry. My contribution would be devotion of time and energy as well as an offer of valuable insight accumulated from years of experience, comprehension and familiarity. I am particularly excited about the personal and professional growth that the Board of Directors membership would provide. The professionalism and exclusivity of the organization is exemplary. If elected, I vow to uphold and preserve the ideals currently in place and hope to lead by example. I have grown up in this industry and built a career in REO, it's time to give back to the leading organization.

Kip Adkins

I have been involved in the successful disposition of REO assets since 1992. Prior to establishing NJ REO Asset Management & Realty, Inc, d/b/a Sellstate Property Solutions Realty, I was one of the top ERA agents in the Northeast. Prior to my entry into the default arena most of my professional career had been in accounting.

I have been a REOMAC member since 2000. In July, 2004 I had the honor of being elected to the Board of Directors of REOMAC and served on it until January, 2009. I was the first Associate member to be elected an officer and the first to sit on REOMAC's Executive Committee. I have held the office of Secretary as well as that of Treasurer.

In addition to my involvement with REOMAC I serve on the Board of Directors of the National REO Brokers Association (NRBA) as the Managing Director.

My involvement in the various aspects of the Default arena gives me the knowledge and ability to track what is going on in our industry.

My primary goal is to help make REOMAC to once again be the Premier Association of the Default industry and to insure that all the membership categories are represented and their best interest recognized.

I want to thank you for the opportunity to run for the REOMAC board of directors and to take a moment and introduce myself to you. I moved to Los Angeles to attend California State University. I graduated Magna Cum Laude with a Bachelor of Science in Interior Design/Home Economics with a minor in Fine Arts. I am fortunate to have met my husband and partner, Danny Harvey, who was an accomplished businessman and is also involved in real estate. For many years I have participated in numerous REOMAC conferences and meetings. In 2000 I became an active member and continue to attend almost every event.

Through dedication and a strong work ethic, Danny and I were the #1 sales team in 2005, 2006, 2007 and 2008 in the Beverly Hills North office, which is the highest producing Coldwell Banker office in the world. In 2008, I was named the number one agent not only in the Westside of Los Angeles, but in all of Los Angeles County closing more than $225 million in sales. I am also a member of the Architectural Division of Coldwell Banker Properties. I believe in setting goals for myself and surpassing them every year. In my personal life I believe in giving back to the community. I support various charities and organizations including Make A Wish Foundation, Habitat For Humanity, APLA, John Wayne Cancer Institute and Free Arts for Abused Children. I am also very involved and on the board of Operation Children, a nonprofit organization that assists Los Angeles County in finding homes for foster children.

After 20 years of handling REOs, I remain committed to providing the highest caliber of professional service and to handling every transaction efficiently and with integrity. I have gained valuable insight and an appreciation of the unique needs and priorities of my clients and as a result, I have represented over 40 different lending institutions and corporate clients in the last 2 years alone. I am also affiliated with several other REO organizations and REO broker networks. I believe that the contacts I have within these organizations are a valuable and important tool that I have to offer to the REOMAC board.

It is this education, experience, dedication and personal drive that I would bring to REOMAC. REOMAC sets the standard for many of us in the default industry and I am grateful for the opportunity to run for the Board of Directors. I am committed to helping REOMAC continue to grow. I want to help further its influence as well as strengthen its reputation for excellence in the REO world.

Joyce Essex

Angela Hern is a Real Estate Agent Licensed in California for 18 years, Licensed in 1991, servicing the area of Contra Costa County and Alameda Counties with diverse experience in all aspects of REO property management and disposition. With $51,675,069 in gross listing sales, A Realtor of Remax Accord and owner of Angela Hern Inc. Angela has been married for 25 years with 3 children ages 21, 18 and 14. She enjoys doing community services. Was a cub master for pack 201 for 5 years and also teaches Sunday school at Bay Area Christian Church. Her husband is a firefighter for Contra Costa Fire Dept. And on his days off from the dept works with Angela as a partner in the reo business. Angela has a full time support team of 4, combining there extensive knowledge of Contra Costa and Alameda Counties with there expertise in real estate will produce results for her clients. "My commitment is to my clients, I want to help you achieve your goals by moving the distressed home in a timely fashion and handling all aspects of the disposition of the property." Angela Hern explains. The girls have an amazing way of making all their clients feel taken care of. With Angela's no non-sense approach to her business and her philosophy of make the truth your friend, enables her to provide the service that is needed to effectively serve on the Board of Directors of REOMAC.

Angela was one of the first agents in her office to recognize that the distressed property market was the "new market" and proceeded to form alliances with Lenders and Asset Managers to assist in marketing and the ultimate sales of these assets. Also by having experience in the REO and short sale market and proceeded to train new agents on how to go about doing short sales.

Angela's core belief is to always give back to your community first and to treat others the way you would want to be treated before they give something to you.

If I'm elected to the Board of Director's of REOMAC, I will give every bit of my ability to serve to the members first and the organization to the best of my abilities. To help the organization grow and to help enrich the organization through all my knowledge. I feel my knowledge and years of experience can be put to good use by training and mentoring other people in the REO industry.I would be honored and look forward to the opportunity to serve the REOMAC members, thank you for your consideration, I am extremely grateful.

Angela Hern

Don't Vote Wrong, Vote JOSH KROM!

It would be my honor to serve as your representative. I have vast knowledge of the REO business from my background in law, construction and real estate sales. I am more than just a familiar name or face. I have the education (both real world and academic), ambition, determination and skill set to make REOMAC an even greater organization. I am a member of numerous charities and civic organizations. I am running because I want to contribute, I want to make a positive impact and most importantly I want to make our organization even more amazing.

Please vote JOSH KROM!

Dear Fellow REOMAC Member,

My Name is Leonard Manriquez and I am writing to respectfully request your vote to help me become elected as a new board member for REOMAC.

I have been involved in Real Estate for nearly 20 years but my most recent success and current positions are as the CEO for ALB Commercial Capital which is a Commercial Finance firm that was started in 2000 and reached annual loan volume of 200 million in commercial loan originations, company information you would find at www.albcommercialcapital.com. The other position that I hold is as the Managing Director for Coldwell Banker Alliance REO Division whereby I am responsible for managing a specialized unit within the company that consists of 10-12 people who focus strictly on REO Business, company information can be found at www.cbreoonline.com.

I hold a California Brokers License and I am a CCIM Candidate and I sit on the Board for NAHREP OC and I am an active member of the California Mortgage Bankers Association. A Degree in Marketing was earned from Cal State Long Beach University.

The United States is experiencing a collapse of the global commercial market. Fortunately, we can help in our Industry through REOMAC. If elected as a Board member my goal will be in the push towards commercial education leading to certifications, arranging access to commercial experts in all disciplines, Hosting of networking opportunities and the introduction of tools and services that will help the real estate agent or broker participate in the distressed Commercial REO Market.

If you agree with me that decisions must be made to BUILD our Commercial real estate involvement and not undermine--our organizations purpose, I hope you will consider Voting for me to represent so we can all make a contribution.

Sincerely,

Leonard Manriquez

I was born in Los Angeles, California. Twenty years later I married my high school sweetheart, Naomi, who is my business partner today and also a REOMAC member.

We graduated with Bachelor of Arts degrees in Sociology from California State Sonoma University and then entered into Graduate studies program at Cal. State Fullerton and UCI. While student teaching in high school, I found out we were expecting our first child and I reluctantly decided to go into real estate sales, to better support our family.

After realizing a six figure income the first year of real estate, we opened Pacific Moon Real Estate and the next year stumbled across our first REO, in the waterfront gate guarded community we lived in. Taking advantage of this opportunity we started tracking foreclosures and flying across the nation, to meet banks with foreclosures. If you can imagine, in that era, they were happy to see us!

In 1985, two different groups of Asset Managers were meeting together in Northern and Southern California, to share ideas and experiences. They eventually emerged into what is REOMAC today, in 1986. That same year I was one of the first Realtors invited to join REOMAC, by the then President.

REOMAC's networking help catapult my career into over 5,000 local REO sales, become a national outsourcer and enabled me to start my own national REObroker network, REObroker.com. I enjoy Paying it Forward, and I would like to continue mentoring others.

From 2004 - 2008 I had the honor of serving our members on the REOMAC Board of Directors and Education Committee. In this upcoming 2010 year, some of the Board's latest policy revisions will be implemented and I would like to be the voice of our real estate professionals to ensure the new proposals are in our best interests also.

In 1986, I was one of the first Realtors invited to join REOMAC, by the President of REOMAC. Since then I have supported REOMAC with Exhibit Booths at Conferences, have moderated and spoke on many educational panels and have been a frequent article contributor to the REOMAC newsletter.

Personally I have sold over 5,000 Orange County, California REOs resulting in a #1 ranking most of the past four years. In 1994 we founded REObroker.com, featuring some of the most experienced and respected REO agents in the nation. Since 1986 we have Outsourced several thousand REOs for financial institutions that are still in existence today!

On the REObroker.com chat line we have daily discussions about on goings, in our business. With my REO experience dating back to 1981, I am one of the daily mentors on the chat line and with this knowledge I feel very qualified to represent ALL of the REOMAC membership.

My primary goals would be to increase REOMAC membership benefits and to help maintain REOMACs reputation as the premier default organization in the nation. I would like to ask for your vote to represent your best interests in the REOMAC organization.

Tom Moon

John Murray is a current leader in the Default Services industry. He has served as a member of REOMAC Board as well on many REOMAC committees over the years. He is a member of many nationwide REO organizations and networks, through which he has advised, moderated and spoken.

As an REO broker, he has spent the last 6 years dedicated to managing both Residential and Commercial REO as well as Loss Mitigation. Murray has sold more than 5000 assets retail has completed over 25,000 bpos. He has evaluated multiple work flow, portal and technology based solutions for some of the industry's leading servicers.

As president of multiple private equity investment funds, he brings years of comprehensive market experience and decision making ability.

Prior to Real Estate, Murray served in the technology sector as CTO of a fortune 500 company wireless subsidiary and spent 5 years prior as an IT program manager for several fortune 100 companies. Murray graduated from the Illinois Wesleyan with a BA degree in physics and obtained his MBA in from Northwestern.

f elected, John Murray pledges the following to the REOMAC organization.

1. To continue and complete the re-structuring of REOMAC organization, allowing REOMAC to adapt to current industry dynamics
2. To continue and complete the launch of REOMACs Commercial Committee allowing REOMAC's membership to embrace the upcoming collapse of commercial markets.
3. To promote further participation as Default Services Industry practitioners when called upon by constituencies of MBA or other PAC groups.
4. To further foster stronger relationships with additional Default Industry organizations.
5. To continue to support, promote, and defend REOMAC as the credible, premiere Default Real Estate Services Trade Organization.

Thank you for your consideration.

I am a 1978 graduate of Wimbledon College of London, England. I have been practicing Real Estate in California since 1988 and began dealing exclusively with REO properties and transactions in 1993. During that time I became aware that there were very few REO Brokers and felt that it would be best to not only capture the California market, but to also expand my business and offer banks the opportunity to work with my brokerage in other states. So I began opening offices across the United States. I currently hold my broker's license in 9 different states. I have sold over 5000 Reo Properties to date and can manage up to 250 listings per month.

In 2006, I partnered to create HousingWire.com. HousingWire.com and HousingWire Magazine represent the premier independent source for news, commentary, and analysis covering the entire mortgage banking and financial markets. Our online and print media platforms focus on connecting the primary and secondary mortgage markets, an editorial mission that has made HousingWire the first publication of its kind within the industry: a real, honest, and ethical news outlet.

In 2009, I broadened my horizons to help create REO Insider Magazine, which first debuted at the LPS Conference in August, 2009. REO Insider is an independent, twice-monthly source of information for real estate agents and brokers conducting business in the REO market. The publication is considered an independent publication because there is no advertising! It provides simple ground breaking news and information that will help your business thrive.

To further support innovation within the REO industry, I became heavily involved in early 2009 with The Greenovation Institute.Greenovation's goal is to help businesses, individuals, and Banks maximize the return on their assets. It also assists Municipalities remove the stigma often associated with foreclosures. Our process offers a clear path for making this happen. This path combines:

• Green-building home renovations
• A new, clearer process for listing and marketing homes, as well as bringing in potential buyers
• Opportunities for buyers to work with cities and neighborhoods to take advantage of incentives for owning Certified Green homes

I have not only an active member of REOMAC for over 15 years, but continue to be a sponsor for the organization every year. Being an REO Broker, I know what it takes to sell REO properties. I would love the opportunity to serve on the board in order to assist my fellow brokers with my knowledge and expertise and bring the best to this industry. My main goal as a REOMAC board member would be to increase member benefits, educate fellow brokers and to expand REOMAC's perception "as the best default organization in the country". I am sincerely requesting your support and vote, to represent you in the REOMAC organization.

Fondly,
Benny Nassiri

As a candidate I would like to be an integral part of the board that sets industry standards. I have been involved with REOMAC for many years now having volunteered many times during our conference events, and having been a golf event sponsor a number of times in the desert. Our industry has changed in the last 24 months, and we all see the challenges ahead of us to maintain industry standards in the REO World. Having been a broker in 3 states for 25 years with 20 of those years in REO before many knew this bank sheet term. I have seen drastic changes in the banks, lenders, outsourcers, and agents in our industry. It is imperative that we are seen as professionals in all fields.

I look to be a part of the board keeping REOMAC as the top player. I know that having participated in other conferences around the country over the years that REOMAC leads in organization and conference standards. I would like to see certification/education being done within REOMAC that add to our professionalism, and yet not be seen as fobbing off our wares in the industry. I do not want to see REOMAC being the "BUZZ WORD" like many are.

I have found over 15 years that it is our organization and professionalism in REOMAC that kept me coming back. I look forward to working for you with the board.

Respectfully,

Patrick O'Malley

BIOGRAPHY:
Experienced REO Agent with over 23 years of experience and 3,000+ closed transactions - retail shopping centers, mixed use commercial, mid-sized office buildings, multi-units and SFRs. Prior to opening my own office in 2008, from 1986 to 2008 I worked with Fred Sands and several Re/Max offices throughout Los Angeles and Beverly Hills. In 2002 I was the recipient of the Re/Max Most Commercial Transactions award for California and Hawaii.

I have a very diverse real estate background. Prior to my REO and commercial real estate ventures, I attended Southern California Institute of Architecture (SCI-ARC) and shortly thereafter worked as an Assistant Architect for Randall Duell & Associates. Thereafter I was involved with and worked on various high profile projects such as Epcot Center, Orlando Florida and Six Flags Over Magic Mountain, Valencia, CA. I also worked as the in-house interior designer and Project Coordinator for Concept Development specializing in estate remodeling and luxury condo development in Beverly Hills.

I currently have a staff of 15 members with strong expertise in Rent Control laws, REAP, and Section 8 programs. We have been managing assigned 2-4 unit REO properties at no charge to our 45+ clients for the past 20+ years.

Why I would like to be a member of the Board of Directors and My Vision for REOMAC:

My primary vision is to have REOMAC the primary and foremost trade organization representing and servicing all facets of the mortgage default servicing industry nationwide. My immediate goal is to attract and recruit new members from several large and mid-sized commercial banks. By broadening and increasing our membership, all members would benefit with a larger networking community as well as increased job opportunities - both critical issues over the next few years.

I have adopted REOMAC's philosophy - using knowledge, professionalism and integrity as the cornerstone of my business model and not only has it served me very well over the past 15 years, I believe it is vital for the endurance and growth of the industry as a whole.

I have been a committed REOMAC member since 1995. I have attended every spring and fall conference as well as the local dinners over the past 15 years. Approximately 10 years ago I recommended that all Asset Managers should not be charged the registration fee for our conferences. I am happy to see that the organization adopted that recommendation this year. I am further recommending that the hotel costs for the conferences should also be absorbed by the membership. They are a vital part of the conferences but because the are mostly a cost center as opposed to a profit center they are not able to afford the expenditure.

Justin has had a very diversified career in the real estate industry. In 1994 he began his career in title insurance assisting agents in increasing their business by selling residential & multi-family properties for the best possible price in the shortest amount of time. Licensed in 2003 Justin continued his expertise in marketing & selling residential / multi-family properties. Justin obtained his broker's license in 2008 and teamed up with Boardwalk Properties and specializes in the marketing and sale of REO properties.

Justin's no non-sense approach to his business, coupled with his hands on philosophy enables him to provide the service that is needed to effectively serve on the Board of Directors for REOMAC!

Through REOMAC I have received so much from being a member. The organization's functions, educational seminars & dinner meetings have been extremely rewarding!

If there is one thing that I have been taught in life from my family, is that when someone (or group) does something for you; you should do everything to give back as much, if not more than you have received!

If elected to the Board of Director's I will give every ounce of my ability to serve the members and the organization to the best of my ability. To help grow and enrich the organization through all means at my disposal.

I look forward to the opportunity and truly am grateful for your consideration!

Justin Potier

My name is Patricia Spano of Sellstate Expert Realty, and I have been in the Real Estate business for just over 5 years. I have dedicated my career to learning, and specializing in the REO market, and continue to do so. Prior to that, I specialized in handling pre-foreclosures for a large investment group.

I am a member of REOMAC, & the NRBA, and I regularly attend educational seminars in order to continue developing and maintaining a professional status. I have served on the REOMAC Conference Committee for 1 ½ years, and continue to volunteer where needed at REOMAC & NRBA Conferences. I continuously support the REOMAC Scholarship fund and I have served on two separate educational panels for both a REOMAC dinner and a conference. I also serve on various committees in my local community church. In August of 2008, I was featured in an article in Chicago Agent magazine as one of the top fastest growing agents of the year. I have also contributed an article to the REOMAC Update, which was published in April 2009.

I believe my dedication to my profession, and to this organization, qualify me to want to be a part, of what I feel is the best educational organization in the industry. I feel that together with my organizational skills and experience, I can bring new ideas and sincere inspiration, as well as my continued contribution to the different committees. I have a deep passion for being a part of a team that will continue to change & develop simultaneously with the growth of our industry. I am active in participating in every event & function in any way that I am needed, and have experience in serving on committees for my local community church.

I encourage you to vote for me as I will bring some fresh ideas to the board & its members. I look forward to representing the members of this organization in a positive & productive way. Thank you.

Patricia Spano

Ken Westfall, owner of Westfall & Company Marketing and Management Group, Inc.

After studying Business Management at BYU in Utah, Ken moved to Colorado to start a career in Real Estate. After successfully building two retail real estate companies and selling them to Century 21 in 1982 he launched Westfall & Company National Marketing and Management Group to specialize in the valuation, management and marketing of REO. Because we were the first company to provide national REO Management Services, Kenneth became one of few leaders and innovators of processes used today. In 1998 after developing and implementing the largest BPO and REO company in the country, managing over 6,000 REOs, Westfall & Company sold to Chicago Title. Ken was retained by Chicago Title to help develop their National bundled services group.

In 2004 Ken developed a new national default asset management company called Assetlink for ServiceLink, LP. This company sold to Fidelity National Title in 2005. Today they manage over 30,000 assets.

Ken then moved back to his roots in Colorado Springs, relaunched Westfall & Company Marketing and Management Group, Inc. to become the #1 REO broker in Colorado Springs, Castle Rock and Parker area.

As a candidate for the REOMAC Board of Directors, I would like to introduce myself to those of you that I haven't had the opportunity to meet.

I am a 30 year veteran of the asset management and disposition industry, and have been a pioneer of Broker Price Opinions (BPOs) and Real Estate Owned (REO) outsourcing, which are now considered industry standards. I now own my own real estate company in Colorado Springs, CO, specializing in REO. During my many years of experience, I have become skilled at all levels of Mortgage Default Solutions, including REO outsourcing, BPOs, single and multi-family property value reconciliation, and appraisal review. I have served as Director of the Colorado Foreclosure Prevention Task Force under the Governor's office, and also sat on a federal Housing and Urban Development (HUD) panel regarding the disposition of REO properties.

After attending REOMAC functions for many years, and being a partner since 1985, I feel that I have a lot to contribute. There will be many new challenges coming to the REO business in the coming months and years, and I feel that my experience would be valuable in helping to educate and guide the REOMAC membership.

Thank you for considering me for this important position.

Ken Westfall

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