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Proficio Bank Management Team
Richard Holley - Chief Financial Officer
Richard Holley is the Chief Financial Officer of both Proficio Bank and NHB Holdings and serves as Corporate Secretary for both entities. Mr.
Holley has extensive experience in the financial services industry in both senior executive leadership and consultative roles. Most recently, Mr. Holley
was President and Chief Operating Officer of UnitedHealth Group's Exante Bank, a multi-billion dollar processor of healthcare transactions and a national
leader in health savings account administration. Prior to joining UnitedHealth Group, Mr. Holley was the Chief Financial Officer of BMW Bank of North
America and served on BMW's Global Banking Board in Munich, Germany. BMW Bank is a multi-billion dollar financial institution serving BMW customers in
North and South America. His service on BMW's Global Banking Board brought him experience establishing banking and other financial services entities in
numerous countries around the globe. Previously, Mr. Holley was a founder and Chief Financial Officer of Cendant's Wright Express Financial Services
which became one of the most profitable banks in the nation. Mr. Holley started his career with Deloitte & Touche as a financial institution specialist
serving such clients as First Security Corporation, U.S. Bank, Ginny Mae, and the United States Department of Justice on bank fraud issues. He later
joined First Security Corporation as Vice President Internal Audit. Mr. Holley is very active in the community and is a member of the Board of Directors
of Arco Packaging and Junior Achievement of Utah. He received Masters Degrees in both Business Administration and Accountancy as well as BS in Accountancy
from Brigham Young University.
Brett Carter - President of Proficio Mortgage Ventures
Mr. Carter is a 25-year veteran in the mortgage banking industry and has extensive experience in loan production, risk management, secondary marketing and
sales training. He has built several loan production companies to annual production exceeding 1 billion dollars. Mr. Carter has also been active in
sales and marketing training. Over the past ten years Mr. Carter has trained over 3,000 financial advisors, loan officers and insurance professionals in
sales and marketing strategies for companies such as Genworth, AIG, United Guaranty, Citigroup, The Maryland Mortgage Bankers Association, the National
Mortgage Bankers Association and the National Reverse Mortgage Lenders Association.
Mr. Carter entered the Home Equity Conversion Mortgage market as President of Next Generation Financial Services and built the start-up company to the
4th largest reverse mortgage company in the United States.
Mr. Carter has served as the President, Vice President, Treasurer, and Secretary of the Maryland Mortgage Bankers Association as well as the Chairman of
the Maryland Mortgage Bankers Association Political Action Committee. He is an active member of the National Mortgage Bankers Association and has served
as a Board Member of the National Reverse Mortgage Lenders Association.
Jim Ardoin - Chief Credit Officer
Jim Ardoin joined Proficio Bank in the fall of 2010. He brings to the Bank over 35 years of commercial banking and mortgage experience. During his banking
career, Jim has worked for large financial institutions, specialty lenders, interstate banks, community banks as well as the FDIC. Not only does Jim possess
considerable lending, marketing and business development, credit and workout experience from such banks as First Interstate Bank, Bank One and MBank, he has
also served in several credit card, operational, audit and compliance positions.
During his tenure in banking and financial services, Jim has witnessed periods of rapid growth and periods of sudden contraction in the business community.
He understands the value of quality credit underwriting and the need for quick action when loans fail to perform.
Copyright © 2006, NHB Holdings, Inc. All rights reserved.
