Bobby Bullion P.O.

Box 697 Burns, Tennessee 37029 Home (615)441-1120 Cell (901)412-9498 SUMMARY OF QUALIFICATIONS Experienced banking professional with 30 years of leadership and technical exper ience in audit and risk management disciplines. Significant focus on building so und risk management, governance, and reporting processes. Strengths include: * * * * * Certified Public Accountant Self-motivated leader and team builder Decisive and results driven Strong ethics and personal values Southwestern Graduate School of Banking at Southern Methodist University

EXPERIENCE FIRST HORIZON NATIONAL CORPORATION (FHN) - Memphis, TN FHN is a bank holding company providing banking and capital market products and services. First Tennessee Bank offers financial products to consumer and commerc ial customers primarily in Tennessee and surrounding markets through 180 banking locations. Senior Vice President and Banking Risk Officer (2009-2010) - Worked closely with the banks business line heads and operational support areas to embed risk manag ement disciplines in decision making, new product development, strategic change, regulatory oversight, and streamline risk processes. * Implemented line of business risk profiles to highlight tolerances and priori ties * Performed decision risk analysis for new product and process changes to deter mine alignment with company's risk appetite * Worked closely with project managers to evaluate event risk and ensure succes sful project implementation * Coordinated problem solving of risk issues across organizational lines Senior Vice President and Manager of Risk Management (2002-2009) - Oversaw Enter prise Risk Management reporting and governance processes. * Implemented Enterprise Risk governance and reporting processes * Coordinated report preparation for Enterprise-wide Risk Return Management Com mittee and Operational Risk Committee * Acted as company regulatory liaison, focusing on exam coordination, tracking prompt resolution of pending issues, and presenting updates to the Audit Committ ee of the Board. * Implemented model validation program for independent reviews of financial, as set liability management, strategic, underwriting, pricing, and risk exposure mo dels. * Lead projects to implement the companies Sarbanes Oxley 302 and 404 complianc e process * Implemented oversight process for vendor management * Chaired working group to implement management's Compliance and Ethics Committ ee and the procedures to meet the Federal Sentencing Guideline standards Vice President and Group Audit Manager, Internal Audit Division (1980 to 1982 an d 1983 to 2002) - Held various positions in Internal Audit focusing on operation s, information technology, trust services, community banks, acquisitions, and bo ard audit committee reporting. Oversaw multiple audit teams that evaluated inter nal controls and regulatory compliance. * Worked with external auditors to support annual audit attestation

* Assisted management in preparing SAS/70 reports on internal controls * Coordinated reporting process for director's audit committee * Conducted due diligence on targeted acquisitions * Assisted management in implementation of companywide data and information sec urity policy FIRST ATLANTA CORPORATION - Atlanta, GA A bank holding company providing commercial and retail banking services througho ut Georgia. Company was subsequently acquired by Wachovia. Senior Auditor, Internal Audit Division (1982 to 1983) - Lead financial and oper ational audits of targeted acquisitions throughout Georgia. EDUCATION Bachelor of Science in Accounting - University of Tennessee Southwestern Graduate School of Banking at Southern Methodist University PROFESSIONAL ORGANIZATIONS Institute of Internal Auditors - Memphis Chapter President 1993-1994 American Bankers Association - Chair of Operational Risk Capital Working Group 2 005-2007