VICE-CHAIRMAN - JOHN ESPINO
   - Mortgage Broker, Solano Lender Mortgage

John Espino, his wife Carole, and their three boys, are residents of Fairfield, California. John is a native of Fairfield, and has been in the Mortgage Industry for the past three years. Prior to that, he has a long career in social work and counseling at a major university. John has served on our Board of Directors since 2002.