Michael Sneden is Executive Vice President of ValueXpress.  For over 25 years, Mr. Sneden has been responsible for the origination and underwriting of loans primarily for the CMBS conduit market.  Mr. Sneden has originated in excess of $2.5 billion in commercial loans in over 500 transactions nationwide.  Mr. Sneden has closed fixed- and floating-rate loans secured by every income-producing asset type including multifamily (traditional, manufactured housing communities, student, underlying co-operative), retail (mall, community center, big-box, unanchored, single-tenant), office (urban, suburban, office suite, single tenant, office/warehouse), industrial (single tenant, multitenant, warehouse, light manufacturing), hotels (franchised full-service, franchised limited service, unfranchised) and self-storage.  Through this broad exposure, Mr. Sneden has experienced and solved every possible issue that can arise underwriting and closing commercial loans and brings those solutions to his clients.

Dennis Suh, serves as Senior Vice President at ValueXpress, LLC in the commercial loan originations group. He focuses on the origination of CMBS conduit loans and bridge loans in the broader national markets.  Throughout his career, he has overseen the acquisition and financing of more than $2 billion in commercial real estate with a focus on core markets in the Northeast, Midwest and South/Southeast.  Mr. Suh has closed fixed- and floating-rate loans secured by every income-producing asset type including multifamily (traditional, manufactured housing communities, student, age restricted, condo), retail (power center, community center, single-tenant, grocery anchored), office (urban, suburban, medical), industrial (single tenant, multi-tenant, manufacturing, warehouse flex), hotels (franchised full-

service, franchised limited service, independent/boutique), and self-storage.

For two years, Mr. Suh has taught students how to originate and underwrite CMBS conduit loans at Commercial Capital Training Group (CCTG).  Mr. Suh serves on the MBA Regional Conference Lenders Panel in Atlantic City, NJ.  Prior to Joining ValueXpress, LLC, Mr. Suh had previously worked for Barclays Capital, Inc., UBS Securities, LLC, Goldman Sachs, and Credit Suisse, LLC in New York City.  Mr. Suh received a B.A. from New York University, earned a J.D. from Hofstra School of Law and is a member of the New York State Bar Association (NYSBA).  He is a member of the Asian-American Hotel Owners Association (AAHOA), International Council of Shopping Centers (ICSC), and Mortgage Bankers Association (MBA).

Gary Unkel has been a member of the loan originations team at ValueXpress since 1999.  Since joining ValueXpress, Mr. Unkel has been responsible for the origination and underwriting of loans primarily for the CMBS conduit market.  Mr. Unkel has closed fixed- and floating-rate loans secured by every income-producing asset type including multifamily (traditional, manufactured housing communities, student, underlying co-operative), retail (mall, community center, big-box, unanchored, single-tenant), office (urban, suburban, office suite, single tenant, office/warehouse), industrial (single tenant, multitenant, warehouse, light manufacturing), hotels (franchised full-service, franchised limited service, unfranchised) and self-storage.

Mr. Unkel has also closed SBA 504, 7(a) and conventional commercial loans for Country Bank (a ValueXpress affiliate) and other community banks.

Mr. Unkel has an extensive accounting background and also serves as the CFO for ValueXpress.  Mr. Unkel is expert in all accounting software utilized by owners of commercial real estate including QuickBooks and Peachtree.  These skills allow Mr. Unkel to quickly understand accounting issues, solve them and accurately model cash flows for income-producing properties resulting in quick closings for his clients.  Mr. Unkel attended Saint Peter’s University where he earned a Bachelor of Science in Accounting.

Jay Bhakta has been a member of the loan origination team at ValueXpress for over 20 years, completing his first transaction from his dormitory room at the University of Southern Mississippi in 1997. Since that time, Mr. Bhakta has completed over 200 transactions nationwide focusing primarily on hotel loans.

Mr. Bhakta is a Lifetime Member of the Asian-American Hotel Owners Association (AAHOA) and has represented ValueXpress at every annual AAHOA National Convention

since 1998. Mr. Bhakta is expert in fixed- and floating-rate CMBS, SBA 7(a), SBA 504 and conventional loans for hospitality and other income producing assets, including multifamily, retail, office, industrial and self-storage properties.

Mr. Bhakta is well-respected member of the Asian-American community and brings vast financial knowledge of mortgage finance to his clients. Mr. Bhakta brings unique skills as an owner and operator of hotels as well. Mr. Bhakta received a Bachelor of Science in Business Administration (Banking and Finance) from USM.

Charley Lobetti is a member of the loan origination team at ValueXpress. Mr. Lobetti has over 20 years’ experience in commercial real estate lending and is primarily responsible for commercial loan originations in the East-South Central  United States, including the states surrounding Tennessee and Kentucky. Charley is based in Knoxville, Tennessee.  Mr. Lobetti has closed fixed- and floating-rate loans secured by every income-producing asset type including multifamily (traditional, manufactured housing communities, student, underlying co-operative), retail (mall, community center, big-box, unanchored, single-tenant), office (urban, suburban, office suite, single tenant, office/warehouse), industrial (single tenant, multitenant,

warehouse, light manufacturing), hotels (franchised full-service, franchised limited service, unfranchised) and self-storage. In addition, Mr. Lobetti maintains relationships with senior community bank executives in the Southeast for the ValueXpress team for transactions that are closed through community banks.

Prior to joining ValueXpress Charley originated, underwrote and arranged participations with a network of seven community banks in Tennessee and surrounding states. Charley was active in the capital markets as well, through the origination of CMBS conduit loans, loans for contribution into Collateralized Debt Obligations (CDOs) and Variable Rate Demand Notes (VRDN). Charley has also originated commercial real estate loans for insurance companies and pension funds.

Leon Elliott has been a member of the loan origination team at ValueXpress since 2011.  Mr. Elliott is a 40-year veteran in commercial and residential real estate lending.  Mr. Elliott is based in the Boston, MA metropolitan area and is primarily responsible for commercial loan originations in Massachusetts, Rhode Island, New Hampshire, Vermont, and Maine.

Mr. Elliott has originated CMBS conduit loans (all asset classes), SBA 504 and SBA 7(a) loans and agency multifamily loans. In addition, Mr. Elliott maintains relationships with community banks in New England to assist bankers with their CMBS conduit loan originations and placement of commercial loans with these community banks in situations where a community bank loan is a good fit.

Deb Oprean is a member of the loan origination team at ValueXpress.   Ms. Oprean has been working in the financial service industry for over 30 years.  Ms. Oprean has closed fixed- and floating-rate loans secured by all income-producing asset types with a particular focus on Self-Storage loans. Prior to joining ValueXpress, Ms. Oprean held

upper-level bank management positions at HSBC Bank and Bank of America.  Ms. Oprean has been involved with the American Bankers Association and provides consulting services to commercial real estate owners in the areas of marketing and finance.  Ms. Oprean earned a Bachelor’s degree from Niagara University.

ValueXpress LLC is affiliated with Country Bank, a New York State chartered commercial bank with six offices in the New York City metropolitan area and over $700 million in assets.  The bank provides lending and deposit services to small businesses in the New York City metropolitan area.  Country Bank provides commercial loans secured by owner-occupied and income-producing real estate valued at $1 million to $6 million.

The majority stockholder in Country Bank is the family of Joseph M. Murphy.  The majority owner of ValueXpress LLC is the family of Joseph M. Murphy, hence the affiliation.  ValueXpress subleases office space in the headquarters of Country Bank at 655 3rd Ave in Manhattan.  Country Bank and ValueXpress have completed over $200 million of transactions together and ValueXpress manages Country Bank’s CMBS portfolio.  For commercial loan transactions in the New York metropolitan area, please contact a Loan Originator.

To learn more about Country Bank, visit www.countrybankny.com.