WILSHIRE FINANCIAL, INC.

Randolph R. Ramirez, J.D., financial expert, a product derivative of his law school education and extensive years of Industry experience. Randy currently holds the position of President of Wilshire Financial, Inc. and his specialties as a mortgage broker include the structuring and engineering of transactions, with a focus on the integration of diverse strategic issues such as tax deductibility, leverage, cash flow, and college and pension planning into a coordinated, comprehensive plan of action for his clients. He is committed to provide the best service with a quality and expertise that is unmatched in the industry. Customer service is a pinnacle feature in his business.