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Daniel B. Stubbs has been the Senior Vice President of Underwriting and Secretary of our manager from January 2000 to July 2006, and has continued in that capacity in Vestin Originations since July 2006. Mr. Stubbs heads the loan department for our manager�s affiliates and is responsible for reviewing loan requests and performs due diligence necessary for risk analysis in connection with the underwriting process. In addition, Mr. Stubbs serves on the loan committee and acts as liaison for our manager and its affiliates with the various commercial loan participants. Mr. Stubbs has 15 years experience in the title insurance industry and has received a Bachelor of Arts degree in Communication Studies from the University of Nevada, Las Vegas. | 