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Mr. Hayes is our Senior Risk Officer for commercial real estate and is our Senior Portfolio Management Officer. He is responsible for the quality of our real estate loan portfolio, as well as the monitoring of our loan portfolio. Prior to joining our company, Mr. Hayes served as Senior Vice President-Credit Policy Officer for Mercantile Bank following its acquisition of Florida Banks in July 2004. Previously, he served as Real Estate Credit Officer for Florida Banks from 1999 to 2004. Prior to joining Florida Banks, Mr. Hayes served in various credit policy and lending roles for Barnett Banks, Inc. and its successors from 1991 to 1999, and for Royal Bank of Canada from 1985 to 1991. Mr. Hayes received an undergraduate degree in Finance from the University of Florida, and a Masters degree in Business Administration from Boston University. | 