BANKERS HELPING BANKERS

Gaines Dittrich, the founder, chairman and CEO of Dittrich and Associates, LLC has spent his entire career in the banking industry. As investor, chairman, president and/or CEO of seven financial institutions, he has personally been involved in resolving many of the problems facing bank management in today's economic situation.

In 2007, the need for someone to provide "loan workout" expertise to the banking industry was becoming increasingly evident. Mr Dittrich's career as a "turnaround specialist" and his tenure in the banking industry (48 years) combined with his hands on experience as a director at RTC, uniquely qualified him to establish a firm dedicated to the resolution of problem assets in client banks. In late 2007, Dittrich and Associates was formed and Mr Dittrich began contacting "loan workout" personnel that he had know throughout his career.

Today, Dittrich and Associates provides a wide range of services, including bank-wide risk analytics for bank management and Boards of Directors, Management Reporting systems, regulatory reporting for consent orders and MOUs, loan administration services (policies, procedures, systems, etc.), loan concentration studies, migration analysis and ALLL analysis, and "loss share" management and training for bank acquisitions through P&A Agreements. Through its joint venture arrangements, the firms offers compliance services, loan review, and M&A activities.

The firm's staff is uniquely qualified to help bank's resolve problem assets and/or manage crisis situations.We pride ourselves on the fact that we are bankers and our goal is to simply help banks by providing expertise that is not normally found in most banking institutions for as long as that assistance is needed. If you need temporary assistance in resolving problem assets, addressing operational needs or in addressing the specialized requirements of "loss share", we would very much appreciate the opportunity to share our approach and our desire to help you achieve your objectives.