People: First Pactrust Bancorp Inc (BANC.W)

Mr. Ronald J. Nicolas, Jr., is Chief Financial Officer, Executive Vice President of First PacTrust Bancorp. He has been appointed as Executive Vice President of the company effective November 5 2012 and Chief Financial Officer of the company effective November 06, 2012. Before joining First PacTrust, Mr. Nicolas served as Executive Vice President and Chief Financial Officer at each of: Carrington Holding Company, LLC (2009-2012); Residential Credit Holdings, LLC (2008-2009); Fremont Investment and Loan, a $14-billion financial institution (2005-2008); and Aames Investment/Financial Corp. (2001-2005). He earlier served in various capacities with KeyCorp, a $20-billion financial institution, including Executive Vice President Group Finance of KeyCorp (1998-2001), Executive Vice President, Treasurer and Chief Financial Officer of KeyBank USA (1994-1998), and Vice President Corporate Treasury (1993-1994). Before joining KeyCorp, Mr. Nicolas spent 8 years at HSBC-Marine Midland Banks in a variety of financial and accounting roles. Mr. Nicolas is a graduate of Canisius College, Buffalo, NY (BS, 1981; MBA, 1989).