Brad Oates once had a distinguished professional football career in the National Football League after a noted athletic career at Brigham Young University (“BYU”) where Brad was a two-time captain of the football team and was named to the 1975 Associated Press All-American team. Brad augmented his off seasons in the NFL by attending law school at BYU’s Law School. He graduated with honors in 1982, and he was awarded the Professional Responsibility Award by the Utah Bar Association. In 1985, Brad began a professional career in the Texas banking industry. Brad is currently Chairman of Stone Advisors, LP, a Dallas-based buyout, business advisory, and resolution services firm. Former senior executive positions include: Chairman of NFC Global; Chairman of Universal Hardwood Flooring; Chairman of eBureau; Chairman of RiskWise International; President of LexisNexis Risk Solutions Group; Executive Vice President of Stone Capital; President/COO of Bluebonnet Savings Bank; and SVP/General Counsel of Stockton Savings Bank. Brad holds a Masters Professional Director Certification, and serves as an independent board member at CIT Group (NYSE:CIT). He is a former Chairman of the Texas Savings and Community Bankers Association. And, he is a noted lecturer on business ethics and corporate governance.