Chief Financial Officer

GARY B. FABIAN

Accomplished senior level financial executive with successful track record

of leading the financial and operational success of mid-to-large organizations through innovative managerial and financial leadership Irvine, CA • 972-***-**** • ********@*****.*** • https://www.linkedin.com/in/garyfabian/ SUMMARY

• Development and implementation of financial management systems, controls and models that improve financial results and supports sales and revenue growth

• Negotiating cost-effective banking and financing transactions to optimize organizational cash flow and liquidity

• Effective communication of business results that enhances the analysis and understanding of financial outcomes and operational opportunities and challenges

• Building and leading teams of highly talented financial professionals that deliver exceptional results PROFESSIONAL EXPERIENCE

REALTY ONE GROUP, Laguna Niguel, CA 2018 - PRESENT Chief Financial Officer

Realty One Group is one of the fastest growing residential real estate brokerages in the country, with annual transaction volume in excess of $22 billion, over 12,000 Real Estate agents and more than 150 offices in 35 states and Canada. Responsible for all Finance and Treasury functions including accounting, strategic planning, budgeting, financial reporting and cash management. Significant accomplishments include:

• Negotiated the sale and subsequent franchising of all Company-owned branches in Southern California resulting in significantly higher than anticipated sales proceeds while maintaining future cash flow streams through franchising revenues

• Obtained Paycheck Protection Program (PPP) Loans in excess of $3.0 million, that provided significant, necessary, liquidity during the sudden business downturn resulting from the COVID-19 pandemic

• Negotiated a doubling of the Company’s bank line of credit to provide enhanced liquidity to support current and future growth and liquidity needs

FIRST TEAM REAL ESTATE, Irvine, CA 2016 - 2018

Chief Financial Officer

First Team is a privately held, residential real estate brokerage, escrow and title company with annual transaction volume in excess of $6.0 billion and over 1,800 Real Estate agents. Responsible for Finance and Administrative activities including accounting, strategic planning and budgeting, financial reporting, treasury and cash management, and oversight of IT, HR and Facilities departments. Significant accomplishments include:

• Created an innovative financial model that directly resulted in the acquisition of multiple new branches and real estate agents producing over $750 million in annual transaction volume

• Developed a comprehensive financial reporting and budgeting package that supported a company-wide expense and operational review that resulted in cost reductions in excess of $3.2 million with improved operating efficiencies

• Performed a comprehensive risk management assessment, including a review of all company insurance policies and coverages, that resulted significantly improved levels of coverage with an annual savings in excess of $400,000

STEARNS LENDING LLC, Santa Ana, CA 2012 - 2016

Chief Financial Officer

Stearns Lending is a privately held, nationwide, full-service, multi-channel mortgage banking company. It was the country’s 13th largest mortgage lender with over $25 billion in loan fundings and a loan-servicing portfolio in excess of

$25 billion. Responsible for oversight of all Finance, Treasury and Investor Reporting activities, including accounting, strategic planning, budgeting, revenue optimization and expense management, treasury and cash management, and financial, investor and operational reporting. Significant accomplishments include:

• Developed financial models, forecasts and detailed presentations that were instrumental in an 18-month process that resulted in the sale of a majority stake in the company to a major private equity investor. Senior Finance lead for all investor presentations and due diligence reviews GARY B. FABIAN Page 2

STEARNS LENDING LLC, (continued)

• Secured a $40 million Working Capital line of credit that resulted in significantly enhanced short term liquidity

• Led the finance team that drove and facilitated profitable, well managed growth over a four-year period resulting in:

• 300% growth in revenues and 200% growth in core net income

• 350% growth in loan fundings and 270% growth in market share

• 2100% growth in the loan servicing portfolio

• Negotiated increases of over $1.3 billion in Warehouse lending lines of credit to support loan funding growth while reducing the company’s overall borrowing rate

• Led the offering process and associated “road show” presentations that culminated in an oversubscribed,

$250 million, Agency rated placement of 7-year senior secured notes METLIFE HOME LOANS, Irving, TX 2010 - 2012

Vice President – Production Finance

Senior financial executive of mortgage banking division of multi-national financial services organization with financial reporting, strategic planning, and revenue optimization responsibilities for all Mortgage Sales and Fulfillment channels.

• Senior member of “turn-around” team that thoroughly revamped the Mortgage Division’s business model and organizational structure while driving enhanced profitability, market share growth and improved loan quality

• Successfully completed a systematic expansion and enhancement of all management reporting systems, resulting in more effective and timely communication of operating results and emerging trends, achieving significant improvement in Management’s ability to understand and respond effectively to changes in their operating environment

BANK OF AMERICA HOME LOANS / COUNTRYWIDE HOME LOANS, Plano, TX 2003 - 2010 Senior Vice President – Finance

Business Finance Officer (Divisional CFO) for combined Bank of America and Countrywide Distributed Retail Mortgage Division, funding over $100 billion annually. Responsible for overall financial management and reporting, strategic business planning and compensation plan development.

• Implemented an across-the-board review of the organizational structure and key cost drivers that resulted in a management reorganization and cost reduction program that reduced headcount, improved operating efficiencies and delivered cost savings in excess of $100 million per year

• Supported over 500 branch, regional and divisional P&L managers and provided them insight into their area’s performance, competitive trends, critical drivers of success and revenue enhancement and cost saving opportunities

• Successfully integrated the combined Bank of America and Countrywide Home Loans Distributed Retail finance organizations resulting in reduced costs, improved efficiencies and significantly enhanced reporting capabilities

ACCOLADES

TWICE NOMINATED FOR ORANGE COUNTY CFO OF THE YEAR AWARD COUNTRYWIDE HOME LOANS EMPLOYEE OF THE YEAR FOR “OUTSTANDING CONTRIBUTION TO THE DIVISION” VOLUNTEER EXPERIENCE

IRVINE BARCLAY THEATRE, BOARD MEMBER/TREASURER, Irvine, CA Irvine Barclay Theatre is a 750-seat performing arts venue, a non-profit collaboration of UC Irvine and the City of Irvine EDUCATION

UNIVERSITY OF MICHIGAN, Ann Arbor, MI

Bachelor's Degree in Business Administration

PROFESSIONAL QUALIFICATIONS

CERTIFIED PUBLIC ACCOUNTANT (Inactive)

Member of the American Institute of CPAs

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