Stephen P. Haggard has a successful and comprehensive commercial banking background, and has been involved in the executive management of several Phoenix area commercial banks. Most recently Mr. Haggard was involved at the “ground level” organization of De Novo institution, Arizona Bank & Trust, which began operations in 2003. Mr. Haggard was the Executive Vice President/Senior Loan Officer and was responsible for the development, implementation and risk management oversight of all lending functions of the bank. Mr. Haggard was heavily involved in all executive management decisions, which included: strategic planning, asset/liability management, regulatory compliance, deposit generation and human resource issues. Although not a member of the Board of Directors, Mr. Haggard was an attendee at all bank board, and director's loan committee meetings.

Additionally, he was successful in the identification and employment of the majority of the commercial lending, loan processing and cash management staff of the bank, while maintaining overhead below budget.

As the catalyst behind much of the bank's commercial loan and deposit growth, Mr. Haggard helped facilitate the rapid success of the De Novo institution. Within 18 months of operation, the bank exceeded $100MM in total assets and achieved month-to-month profitability, while maintaining a strong credit quality. Mr. Haggard was the “driver” behind much of the business development activity of the bank.

Prior to his tenure with Arizona Bank & Trust, Mr. Haggard was employed by Mesa Bank as a Vice President of commercial lending, beginning in 2001. Mesa Bank, a community bank located in Mesa, Arizona was an emerging commercial bank that saw improvement in its earnings during his tenure. Additionally, the credit quality was maintained at a very high level. Responsibilities included business development and commercial lending within the Phoenix Metropolitan area. As the business development and a senior commercial lending officer, he was responsible for the promotion, development and safety & soundness of the bank's loan portfolio.

Between 1994 and 2001, Mr. Haggard was involved in senior management of Rocky Mountain Bank, a community bank located in Chandler, Arizona that was considered to be a “turn-around” project. Mr. Haggard had numerous responsibilities during his seven year employment with the bank, including the position of Chief Credit Officer. Under Mr. Haggard's management of the loan department, the bank successfully grew the loan portfolio from $9MM to $93MM. His tenure with that Bank culminated with the management of seven commercial loan officers, five loan processors and nine branches and the highest CAMEL rating available. Administrative responsibilities included strategic planning & budgeting for that Bank, development and implementation of lending policies and procedures, the recruitment, training and supervision of the lending personnel, establishment of pricing guidelines for products and services offered, and the identification of new markets and products. Mr. Haggard was a regular attendee of the Board Meetings, acting as the spokesperson for all lending issues pertaining to the Bank. During different stages of his tenure with Rocky Mountain Bank, Mr. Haggard held positions that included Loan Review Officer, Compliance Officer, and CRA Officer. As the Compliance and CRA Officer, he was responsible for the Bank's compliance with federal regulations and disseminated regulatory information throughout that Bank as it became published. As the Loan Review Officer, he was responsible for the integrity of loan ratings assigned to the credits.

Mr. Haggard has spent his entire professional career in the commercial banking industry. Initially employed by the Federal Deposit Insurance Corporation's Division of Supervision, Steve spent his first two years as a bank examiner in Kansas City Region of the FDIC, subsequently transferring to Phoenix, Arizona in 1992. Participating in numerous safety & soundness, compliance, trust and EDP examinations, Steve achieved his “Commissioned Bank Examiner” status with the FDIC in 1993.

Mr. Haggard is a 1989 graduate from the University of Iowa, with a Bachelor of Business. Administration Degree. A Major and Minor were obtained in Finance and Economics respectively.

Mr. Haggard has demonstrated success in all of the prerequisite responsibilities and duties necessary to serve as the President & Chief Executive Officer of Metro Phoenix Bank. He is a results-oriented, decisive leader that has substantial direct executive management experience in driving sound growth in de novo, emerging, and “turn-around” community banks. He has 17 years of extensive experience as a “complete” commercial banker in the community banking industry, and has 14 years of intensive business development experience in the Phoenix marketplace.

Gene W. Chandler is a senior level financial professional with extensive "hands-on" banking experience which includes operations, administration, lending and branch management. His 42 years of banking experience includes leadership roles such as CEO/President, an operational role such as the CFO/Controller, a lending and loan management role, and the start-up of three new banks.

Mr. Chandler served as the Vice President at Stearns Bank of Arizona where he was responsible for overall operations of the bank. Additional prior CFO/Controller and operational experience came from work with BankUSA from 2001-2005, 1st National Bank of Arizona 2000-2001, Republic National Bank/Community First National Bank 1995-2000, First American National Bank 1992-1995, Fountain Bank 1991, Independent National Bank 1984-1990, and First National Bank & Trust 1970-1978. He is very experienced in bank operations, operational compliance, the development and implementation of budgets, policies, and procedures.

Mr. Chandler served as the President and a Director of First National Bank and Trust of Monticello, Indiana and of Farmers and Merchants Bank in Buckeye, Arizona from 1978 to 1982 where he guided overall bank administration.

During his six year stint at Independent National Bank, Mr. Chandler served as the Senior Loan Officer on three different occasions. Mr. Chandler's other lending experience comes from managing a $23 million dollar loan portfolio of indirect loans while at Republic National Bank and in commercial, real estate, and consumer lending at First National Bank & Trust in Plainfield, Indiana prior to being promoted to Cashier at both banks.

Mr. Chandler's education culminated with the Graduate School of Banking at the University of Wisconsin, but also has been augmented by AIB training courses and ongoing education as part of his bank management roles.

Kevin B. O'Regan serves as Senior Vice President and Chief Credit Officer and has over 30 years experience in the banking/finance industry with 25 years specific to lending and leasing. His experience is highlighted with a five-year tenure as Chief Credit Officer with Arizona Bank in Tucson, Arizona, a seven-year tenure as Market President/Manager for Commercial Federal Bank/Bank of the West, and an eight-year tenure as a Senior Banking Officer with Bank of America/Security Pacific/The Arizona Bank. Mr. O'Regan's lending experience includes a mix of management and production in Phoenix and Tucson, Arizona. The overall experience is from a mix of medium to large banks with experience managing loan portfolios of up to $700 million. Strong lending compliance skills and CRA administration are complemented by substantial training in these areas.

Mr. O'Regan's educational background includes Pacific Coast Bankers School (1990), Thunderbird Graduate School (MBA 1976), Arizona State University (BS 1975), and the BA National School of Compliance/Graduate School of Compliance. R. O'Regan is very active in the community and has received several awards for his service. He also was with the US Army Intelligence for three years.

"Our Philosophy is simple - we want to help your business grow so our business can grow. Our commitment is to give you straight talk and timely results. Our goal is to provide solutions, not excuses."

Kevin B. O'Regan