Executive-level Finance

Paul Freudenthaler

Address: Sierra Ventana ***,

Col. Lomas de Chapultepec

México 11000, DF

México

Mobile: 011.52.155.2981.1063

Home: 011.52.55. 5596.1787

E-mail : ********@*****.***

Academic Background

Wharton School of Business, University of Pennsylvania / 1992-1994 - MBA in Finance, Strategic Planning Concentration

Texas State Board of Public Accounting / 1989 – current CPA License

University of Calgary, Canada / 1982-1987 - Bachelor of Commerce, Accounting Major, Economics Minor

American High School Mexico City / 1982 – HS Diploma

Main Qualifications:

International, bi-cultural executive with business background including proven financial and operations management skills in combination with broad general management experience.

Board of directors and executive presence and experience.

Broad business development, improvement and expansion across various different industry sectors.

Extensive finance and treasury experience having managed creditor counter-parties (banks and private investors), investor relations, securities placements, IPO, securitizations, mergers and acquisitions, and derivatives and hedging.

Managerial and administrative skills covering a variety of disciplines including business development and marketing, purchasing, human resources, information systems, legal and secretarial, and operations.

Deep technical skills in accounting - USGAAP, IFRS, SOX, Mexican GAAP, SEC, cost accounting, project accounting, former Principal Accounting Officer for three public entities (Nasdaq and Bolsa Mexicana de Valores).

System development and implementation experience across the US and Latin America.

Strategic planning, budgeting, follow-up and KPI identification and reporting discipline.

Coaching, team development and team management across departmental and geographic areas, respected communicator and motivator.

Regulatory experience in working with tax authorities and various regulatory agencies in Mexico, Colombia, US and Canada, external and internal auditors.

Professional background:

Grupo Finmart, SOFOM ENR – (2015 to Present)

Position: Chief Financial Officer

Main Responsibilities:

Chief financial officer for distressed, turn-around company recently taken over by US, publicly traded firm, EZ Corp (NSDQ:EZPW).

Responsible for all traditional CFO responsibilities, Treasury, Taxes, US GAAP and MX GAAP financial statements, M&A, business planning, relationship management with auditors, creditors and Board of Directors.

Raised over MX$500 million in debt in four months to help fund distressed, turn-around story. Presently working on US$75 million facility with Credit Suisse and various other more esoteric facilities with private investors and investment funds.

Presently exploring strategic alternatives for the company.

Old Mutual / Skandia – (2012 to 2015) - FTSE 100 Company (LSE:OML.L)

Position: CFO – Latin America and Managing Director of Real Estate Fund

Main Responsibilities:

Chief financial officer for operations in Colombia, Uruguay and Mexico with approximately US$12.0 billion under management. The Colombian operation is a leading participant in the pension and fund management industry in Colombia.

Manage financial operations in three countries including reporting to the board of directors, the Mexican and Colombian public stock exchanges, treasury, tax planning and compliance, recruiting, development and management of staff, evaluation and structuring of significant portfolios, and monitoring asset performance.

Responsible for all regulatory reporting and relationships, including the Superintendencia and DIAN in Colombia, the CNSF and SAT in Mexico, KPMG in all three countries, and all financial reporting obligations, including IFRS implementation and statements in Colombia, regular reporting to mother company, Solvency II in Mexico, and others.

Managing Director of publicly-traded US$100 million real estate fund in Colombia. Grew real estate operations in Colombia to one approximating US$1 billion with investments in both Colombia and Mexico. Power-of-attorney for majority of entities in both countries.

Board member of trust and fund management companies in Colombia and Mexico and of four publicly traded funds in Mexico.

Purchased significant off-shore broker operation housed in Uruguay, approximate transaction value of US$35 million with placements across the American continent.

Macquarie Mexico Infrastructure Fund (BMV:MMIF) and Macquarie Capital (2009 to 2012)

Position: Chief Financial Officer

Main Responsibilities:

Key person in launching largest infrastructure fund in Mexico for MXN$5.4 billion, including a placement of securities on the Bolsa Mexicana de Valores in late 2009. The largest investors include government development Bank, Banobras (Fonadin), and private Mexican Pension Funds (including Bancomer, ING and Banamex).

Managed entire spectrum of financial and administrative operations in Mexico including reporting to the board of directors and the Bolsa Mexicana de Valores, treasury, tax planning and compliance, recruiting, development and management of staff at asset companies, evaluation and structuring of significant investments, and monitoring asset performance. Significant and frequent reporting to regional headquarters in New York and corporate headquarters in Australia.

Board member and power-of-attorney for majority of entities within Mexican operations, which encompassed over twenty legal entities.

Responsible for oversight of audit with PriceWaterhouse Coopers and development of internal reporting systems to monitor and improve performance over time including tracking transaction pipelines and measuring efficiency and effectiveness of investments.

Primary executive responsible for managing banking relationships including compliance with debt covenants, and renewal and negotiation of debt facilities. Total debt is over MXN$1.0 billion and we are in the process of negotiating US$200 million from a multilateral bank and US$700 million.

Irwin Union Bank (2001-2008)

Position: EVP / CFO of Commercial Bank – IUB - (2005 to 2008)

FVP/ CRO of Holding Company – (NYSE:IFC) (2001 to 2004)

Main Responsibilities:

Profit and loss responsibility for one of the top 100 banks in the United States, with approximately US$3 billion in assets. The bank’s portfolio consisted primarily of commercial real estate and commercial and industrial loans in ten states across the United States. Reported to Bank President and two bank boards of directors (one thrift and one state-chartered bank). As President of Shared Services for the holding company, reported to line of business presidents and Chief Executive Officer.

Direct reports included vice presidents of Strategic Planning, Legal, Chief Information Officer, Finance, Controller, Operations, and Treasury with a total of approximately 150 people on a direct and indirect basis. Regular interaction with and presentations to company’s board of directors, financial counterparties, equity and debt investors and employees. Voting member of, among others, asset and liability management committee, credit committee, pension committee, CRA committee, and IT Steering committee.

Accomplishments as CFO:

Expanded bank operations into four states and implemented the foundation for an internet based branch with an initial focus on national deposit gathering up to US$500 million of consumer deposits.

Restructured bank’s entire operations and deposit division (approximately 100 people) to support aggressive expansion, focusing on both assets and liabilities, particularly core deposits. Highlighted focus on new product development and roll-outs and field support, including re-design of incentive programs, to deposit and sales team. Efforts resulted in compound annual growth rate of nearly 25% of both loans and deposits over a five year period. Recruited, developed, staffed and coached finance, planning, facilities management, and control groups.

Implemented Business Intelligence, Customer Relationship Management (CRM), Loan and Deposit Imaging and Relationship Profitability Management (RPM) platforms. These systems increased the quality, timeliness and quantity of financial and operational reporting across the company, improved our ability to manage our customer and prospect data-bases, brought efficiencies to lending processes and improved the information used to manage the company’s bottom-line.

Recapitalized bank with offerings of numerous trust-preferred shares amounting to approximately US$100 million.

Accomplishments as Chief Risk Officer at Bank Holding Company:

Strategic reviews of company’s business portfolio led to decision to sell mortgage operations which composition was approximately 25% of the entire corporation ($30 billion mortgage servicing right and $20 billion production platform).

Recruited staff, developed structure and implemented risk management and corporate governance operations spanning the United States and seven provinces in Canada.

Implemented world-class credit and interest rate measurement systems to develop a risk-adjusted return on capital (RAROC) framework for measuring company and subsidiary performance. Company started measuring performance and compensating executive teams based on RAROC measurements.

Improved upon corporation’s liquidity risk management systems and increased precision of measurements, broadened approaches being used to measure liquidity and expanded horizons of measurement. Changed company’s secondary marketing hedging strategy as related to its home-equity company.

America Online Latin America (NSDQ:AOLA) – (2000 to 2001)

Position: VP - Controller

Main Responsibilities:

Joined executive management team in 2000 shortly before completion of US$200 million initial public offering (IPO) for this international internet start-up. AOLA was launched to provide Mexico, Brazil, Argentina and Puerto Rico with dial-up internet service. Principle investors were America Online, Inc. (USA), The Cisneros Group of Companies (Venezuela) and Banco Itau (Brazil). Raised an additional US$700 million in trust preferred share offering to fund business plan.

Telscape International (NSDQ:TSCP) – (from Jul / 99 to Jun / 00)

Position: SVP – Finance and Treasurer

Main Responsibilities:

Telscape International was a US$150MM revenue telecommunications company with four principal operations including long distance cards, the largest systems integration company in Mexico, a transporter in Mountain View, CA, and call centers supporting US Embassy operations throughout Latin America. Obtained financing to complete construction of what was to become the fourth largest fiber-optic network in Mexico. Telscape was sold by means of a reverse merger valued in excess of $100 million with PointeCom in mid-2000. I was a key member of the executive team at Telscape prior to our merger and was offered the position of Chief Financial Officer of the combined company. Managed company’s accounting and finance functions including three division controllers, SEC accountant and strategic planning area. Oversaw company’s public filings and relationships with external auditors and external counsel.

Bank United (NYSE:BU) and Irwin Financial Corporation (NYSE:IFC) – (1994 to 1999)

Position: Director of International Lending

Main Responsibilities:

Hired by Irwin Financial Corporation to develop a strategy for expanding its markets outside of the US. Started originating loans with Irwin in 1996 and Irwin sold the portfolio to Bank United in 1998. I moved to Bank United where we expanded our product offerings to include commercial loans in addition to consumer mortgages. Developed first-of-kind system for securitizing REIT-eligible loans with collateral in Mexico. Implemented and managed process for loan production of approximately $30 million per year in consumer loans and $50 million in commercial loans. Portfolio had approximately $40 million outstanding and $30 million in commitments when the operation was shut down.

Arvin Meritor (NYSE:ARM) (from 1989 to 1992)

Position: VP Controller

Main Responsibilities:

Hired by Arvin Industries, Inc., one of the top three parts supplier in the auto industry, ($9.0 billion in sales in y/e 10/2005) to assist with expansion efforts in late 1980’s. Arvin was in an aggressive expansive mode at the time and I managed various due diligence efforts in key acquisitions. I was then asked to form part of the management team of a start-up joint venture company in the US, Arvin Sango. Arvin Sango was created to supply Toyota’s operations in the US. Arvin’s partner, Sango, is part of the Toyota keiretsu. Secured $10 million in Industrial Revenue Bonds as primary funding source for new company. Implemented best in class accounting systems to comport and mirror the Toyota kanban inventory management methods and just-in-time, cycle-based production system. Recruited team and established systems and operations to support what became a $150 million in annual sales company upon my departure. Performed due diligence on acquisitions in England, France, Spain, and Mexico. Findings and suggestions lead to deal restructuring or clawback enforcement of approximately $20 million in savings on acquisitions of approximately $300million.

KPMG Peat Marwick (from Jun / 87 to Aug / 89)

Position: Staff Auditor

Main Responsibilities:

Worked on various KPMG clients, primarily in the oil and gas and banking sectors.

Languages:

English – (Fluent) / (Written, reading and conversation).

Spanish – (Fluent) / (Written, reading and conversation).

French – (Semi-Fluent) / (Written, reading and conversation)

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