Fred Buck Page *

**** ******** ***** ****: 916-***-****

Fred Buck

Granite Bay, CA 95746 Home: 916-***-****

PROFESSIONAL EXPERIENCE

May 2007 to April 2011

Bank of America is one of the world's largest financial institutions, serving individual consumers, small and middle

market businesses and large corporations with a full range of banking, investing, asset management and other financial

and risk management products and services.

Senior Vice President, Consumer Market Executive,

& Greater Northern California Market President

Oversee the Management Team for the Retail Distribution Channel for Bank of America in Northern California. The

Channel/Division consists of Global Consumer, Small Business & Card. Directly managed a Market Team consisting

of; Consumer Market Managers, a Market Performance Manager, a Market Growth Leader, a Market Operations Leader

and Branch Managers. Responsible for leading, managing, show coaching, and inspiring teams to drive revenue

through sales and services, legal and operations, customer and associate satisfaction, overall market growth, technology

and training, and talent planning.

Lead market from last to first place within the region by increasing total sales value by 18%, assets by 10%,

and kept liabilities flat while driving down the cost of funds.

Lead a Small Business initiative for all markets within the region. After twelve months applications increased

by 50% with a decline in overall approvals of only 15%.

Lead a team that increased customer bundling from an average of three products per household to five, while

seeing an increase in overall customer delight of 24% (from 67% to 91%).

Greater Northern California Market President

Lead a team of executives that collectively are responsible for all lines of business across Northern California. Lines of

business include, Merrill Lynch, Bank of America Home Loans, Global Commercial Banking, Bank at Work,

Merchant Services, Reverse Mortgages, Insurance, and all third party vendors. Serve as the voice of the

company both internally and externally. Build pride and sense of teamwork among associates in the market.

Champion cross line of business market plan to drive company’s business goals and use of CSR assets,

ensuring the market is making the right decisions for our company and our communities. Represent Bank of

America in our local communities and represent our brand through leadership and engagement with

associates, customers, shareholders and key stakeholders in our markets.

Through effective territory assessment, prospect identification and strategy development brought Northern California

from 157 to 18 out of 189 markets.

Significant enhancement of sales initiatives through focused marketing strategies that lead to the attainment of 104%

of Total Sales Value.

Decreased variability by the implementation of process driven programs that increased the number of banking centers

winning. (From 50 to 94%)

Fred Buck Page 2

May 2005 to May 2007

Charter One Bank, N.A., is a $41B bank that has 480 branches and more than 800 ATMs. Charter One Bank is a

subsidiary of Citizens Financial Group, Inc., a $155B commercial bank holding company headquartered in Providence,

R.I. Citizens is owned by RBS, The Royal Bank of Scotland, the fifth largest bank in the world.

Senior Vice President, Regional Director

Manage and coach to drive the overall profitability of the South Region. Create and implement banking strategic

direction for Retail, Consumer, Small Business, 1st Mortgage, and Investments. Act as a member of the Leadership

Banking Team to ensure client needs are satisfied and customer relationships are established. Direct the sales,

operations and service initiatives for the region, and manage the Small Business Banking strategies for the state.

Within one year brought the region from eleventh to first out of eleven regions in overall profitability. The five

areas contributing the most to this improvement were an increase in the business checking and personal

checking portfolios by 38% and 43% respectively. Total assets increased by 28%, and our customer

satisfaction score went from 68%, to 86%.

Developed a bank wide small business sales process that increased overall engagement of bank personnel that

in turn increased commercial bank relationships.

Selected to represent Illinois, Michigan, Ohio, and Indiana on a Corporate Strategic Direction Project Team for

Citizens Financial Group. This Team structured the long term plan that will allow sustained double digit

earnings growth, plan implemented in 2007.

August 2001 to May 2005

Harris Bank, a Chicago based $35B bank, which is part of the Bank of Montreal U.S. Group of Companies, which has

$275B in assets. The Bank of Montreal U.S. Group of Companies is a highly diversified North American financial

services institution ranked as one of the largest banks on the continent and serving 11MM customers.

Senior Vice President, Southeast and Southwest Regional Sales Manager

Serve as member of the executive management team responsible for recruiting, retaining, rewarding and coaching of

branch managers and their sales teams. Lead, coordinate and direct retail and micro business activities with primary

responsibility for sales results. Provide leadership through recognizing, coaching, stimulating, visioning and team

building including one on one coaching sessions with all branch retail employees. Regularly advise Regional President

of market conditions including competition, products and pricing. Supervise, coordinate ongoing sales training

program and provide methods to measure the effectiveness of sales training. Coordinate initiatives with Marketing

Manager to integrate marketing programs and retail business development efforts. Selected accomplishments include:

The only Regional Sales Manager to be awarded two regions, managing a loan portfolio of $600MM and

deposits totaling $3B through a 41 branch network. 2005 Harris Club.

Within two years brought the Southwest Region from eighth to first out of nine regions in overall bank wide

ranking.

Lead a team that opened five new locations within one year, all exceeded proforma.

October 1995 to August 2001

For more than 80 years, Cole Taylor has served the banking needs of Chicago area businesses and the people who own

and manage them. As a specialist in serving closely held and family managed businesses, we have clearly differentiated

ourselves from competing providers of financial services.

Fred Buck Page 3

Senior Vice President, Director of Sales and Operations

Direct all sales and operations functions for community, small business and consumer for the twelve bank network .

Research, develop, and manage all vendor relationships. Responsible for a portfolio of assets at $500MM and liabilities

of $900MM. Develop and implement effective sales and marketing plans, strategies and tactics, client retention

programs and sales training and motivation programs bank wide.

Led a team that hit 120% of the banks micro commercial lending initiatives.

Set up product and pricing strategies that produced an additional $2.5MM in income representing 116% of

budgeted income.

Developed and implemented a referral network program for banks, mortgage brokers, finance companies,

CPA’s and attorneys.

Vice President, Regional Sales Director

Responsible for the overall management of community banking sales activities within the north region including

expansion of business relationships, the development of new business, community leadership and the management of

the sales force for three branch locations.

Awarded the 1997 Sales Hero award for leading a management team that increased deposit base in our second

start up location from zero to $20MM, and built a loan portfolio to $2.5MM during a six month period.

Created a successful small business loan initiative within the north region and produced more business than the

other two regions combined.

Served on the management advisory committee that sets the direction for all bank initiatives.

Vice President, Banking Center Manager

October 1993 to October 1995

TCF is a Minnesota based national financial holding company with $18.2 billion in total assets.

Vice President, Banking Center Lending Manager

EDUCATION PROFESSIONAL AFFILIATIONS

Kellogg School of Management, Chicago, IL Asset and Liability Committee (ALCO)

Dalhousie University, 2005 Management Advisory Committee (MAC)

Habitat for Humanity

Elmhurst College, Elmhurst, IL North Coast Resource Center (NCRC)

Bachelor’s Degree, 1993 The American Red Cross

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