Mr. Gunn retired from Bank of America in mid-2000 after a 36-year career in the financial services industry. As Executive Vice President and Senior Credit Risk Management Executive (Consumer), his primary focus has been credit risk management associated with credit card, consumer, real estate and small business portfolios. Prior to BofA, Mr. Gunn was at Wells Fargo for 24 years. In addition to Portfolio growth and management, Mr. Gunn also led the effort to meld acquired portfolios and was a key player in three acquisitions that were the largest mergers of consumer portfolios for their time. He has worked with regulators, investors, analysts and industry leaders on issues of importance to banks and the industry in general. Mr. Gunn has been a member of CBA, RMA, BAI, ABA and California Banker's Association committees related to Retail Banking and Consumer Lending.