Melissa Bolling came from a top-10 lending company to spend 2 years in Information Technology, designing, testing and supporting note acquisition software and servicing platforms.  From 1997 to 2004, Ms. Bolling was the Servicing Manager for a mixed portfolio of real estate and alternative cashflows.  This portfolio included 13 securitized pools, and the owned portion consisted of six different investors.  In 2001, she coordinated the service transfer of a 40,000-account portfolio whose servicing rights were valued in excess of $1.8 billion.  Her portfolio contained residential, both conforming and non-conforming, land, both improved and raw, commercial (mixed-use, construction and income-producing), business notes, lottery payments, annuity payments, structured settlements, royalties, unsecured notes, titled mobile homes, timeshares and participations.  Many of these assets are structured purchases with characteristics unique to the note-purchasing industry.  Ms. Bolling has conducted due diligence on both pool acquisitions/sales and vendor selection.  In the course of her duties, she coordinated with regulators, auditors (internal and external), accountants, tax reporting staff, and loan origination/acquisition departments.  Ms. Bolling is well-versed in the federal and local regulations governing servicing.  Under her direct supervision were the following functional teams: customer service, impound account management, audits and adjustments, documentation, collections, modifications and foreclosures.

Sheila White is a recognized leader in the alternative cash flow acquisition business.  From 1994-2004, Ms. White was the Closing Operations Manager for the nation's leading purchaser/servicer of seller-financed mortgages.  Her experience in cash flow acquisitions  includes creating  closing processes for business notes, equipment leasing operations, lottery payment streams, structured settlements and annuity purchases.  In addition, Ms. White was responsible for the oversight of all real estate related operations from commercial lending activities, seller-financed note acquisitions and the resale of owned real estate .  She assisted in the sale of servicing rights on a portfolio valued in excess of $1.8 billion.  She has managed the foreclosure department and has been trained as a Paralegal.  Ms. White has maintained Certified Legal Assistant status through the National Association of Legal Assistants and annually completes the continuing legal education credits necessary to hold this designation.  She is a proven problem solver with experience in due diligence on a wide variety of asset types.