To Whom it May Concern:

Ronald W. Saltzgiver 23771 Via Storni Mission Viejo, CA 92692 Phone: 949-910-8018 rs36@cox.net ACCOMPLISHMENTS • Reviewed 200 BPO’s (Business Process Outsourcing) country wide per month on line. • Wrote and funded loans. • Reviewed Fee Appraisers work. • Appraised 40-50 properties, SFR and 2-4 units, per month. • Have 24 hour turnaround time. • Reviewed appraisals in house. • Managed the staff in several offices. • Performed and reviewed appraisals on Earthquake damage in the 1990’s. • Reviewed and performed appraisals on REO’s in the 1980’s, 1990’s and at the present. • Sold and farmed real estate in Beverly Hills and Santa Monica areas. • Appraised from Bakersfield to the Mexican border and east to Indio. EMPLOYMENT HISTORY 2008 to 2009 PCV Murcor Reviewed BPO’s from all contiguous 48 states. Company went out of business. 2006 to 2008 SoCalREAppraisal This was my company, sold customer list to an appraisal company. 1999 to 2006 World Savings and Loan World Savings was sold to Wachovia 1985 to 1999 Home Saving & Loan I was in the Palos Verdes, Los Angeles, Beverly Hills, Torrence, Orange, Lake Forest and Riverside offices. Business was sold to Washington Mutual 1983 to 1985 Merrill Lynch Real Estate Merrill Lynch was sold to Prudential Licenses Certified Residential Real Estate Appraiser – AR009587 Real Estate Salesperson - 00895794

Commercial Appraiser

Mission Viejo, CA