JOSEPH B. FREDERICK

PROFESSIONAL EXPERIENCE

Financial Management Consulting Group Milwaukee, Wisconsin
1989 - Present  Senior Consultant

Keller Graduate School of Management - Milwaukee, Wisconsin
1991 - Present   Instructor - Money & Banking

Allco Credit Union -  Milwaukee, Wisconsin
1989 - Present   President

Citizens National Bank -  Linton, Indiana
1988 - 1989  Executive Vice President

First National Bank  - La Grange, Illinois
1986 - 1988  Vice President and Cashier

The Bank of Plover - Plover, Wisconsin
1980 - 1986  Vice President and Cashier

Citizens First State Bank -  Walnut, Illinois
1977 - 1980  Assistant Vice President

As a member of senior management for several financial institutions, Mr. Frederick has focused on financial and operational aspects of banking. He has experience and a successful track record with high performance companies and with turn-around situations. With a degree in Economics, a Masters in Business Administration, and a Chartered Financial Analyst certificate, Mr. Frederick is knowledgeable about capital markets, asset and liability-funds management, management reporting systems, and profitability enhancement.

EDUCATIONAL EXPERIENCE

Institute of Chartered Financial Analysts - Charlottesville, Virginia
Chartered Financial Analyst August 1991

University of Wisconsin - Oshkosh, Wisconsin
M.B.A. January 1989

Northern Illinois University - Dekalb, Illinois
M.B.A. Prerequisites August 1979 - September 1980

Sauk Valley College - Dixon, Wisconsin
Accounting Courses (4 semesters) January 1978 - June 1979

University of Wisconsin - Madison, Wisconsin
B.A., Economics June 1977

Graduate School of Banking - Madison, Wisconsin
August 1983 Undergraduate
August 1988 Postgraduate

Illinois Bankers Association Agricultural Lending School