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Affordable, Responsible Loans for the Military: Programs and Prototypes



Congressman Frank was first elected to Congress as the representative of the 4th District of Massachusetts in 1980. In November of this year, running unopposed, he was re-elected to serve a fourteenth term. He is the Ranking Minority Member on the House Financial Services Committee, and is expected to assume the Chairmanship of the Committee starting in January.

As a recognized leader in Congress on affordable housing, Congressman Frank has devoted much of his legislative work to finding ways to increase the availability of affordable housing to low- and moderate-income persons and to creatively address impediments to affordable housing. He has championed for protections against predatory lending practices and worked hard to encourage banks to reach out and creatively meet the credit needs of people who are not yet part of the financial mainstream. Congressman Frank has expressed concerns about the impact of federal preemption on state consumer protection laws.

He is known in the banking industry as fair, knowledgeable and pragmatic, and his staff is widely respected. The Almanac of American Politics 2006 called him, "one of the intellectual and political leaders of the Democratic Party in the House," and Congressman Jim Leach, a former Republican House Banking chairman, recently was quoted as saying that as Chairman of the House Financial Services Committee, Barney Frank will be "a philosophical populist and a practical legislator."


Kelvin Boston is a respected financial journalist, public speaker and best selling author who has been referred to as an "out-spoken voice for economic empowerment."

Kelvin Boston is the executive producer and host of the Moneywise with Kelvin Boston PBS series. An official PBS series since 2000, Moneywise with Kelvin Boston is considered public television's (PBS) longest running multi-cultural financial affairs television series.

In addition to airing on public television stations, Moneywise with Kelvin Boston also airs on the Armed Forces Television Network where it reaches one million military households in 177 countries around the world. In 2003, Kelvin Boston was awarded the National Community Reinvestment Coalition's (NCRC) annual award for promoting economic justice.

Kelvin Boston is a popular public speaker. He speaks annually before government agencies, corporations and non-profit associations. In 2005, Boston received the "Communicator of the Year" award from the National Association of Market Developers.

Kelvin Boston's first public television pledge special entitled Who's Afraid To Be A Millionaire? began airing on public television stations nationwide in 2006. The Who's Afraid To Be A Millionaire? companion book was published by John Wiley & Son and the audio book entitled the Confident Millionaire was produced by Nightingale Conant.

Kelvin Boston is also the author of the best-selling book, Smart Money Moves for African Americans (Putnam 1995). Kelvin Boston is a graduate of Lincoln University (Lincoln, PA) and a former regional financial planning manager for American Express Financial Advisors, who believes that financial education is the key that unlocks the doors to financial success.



Dawn B. Bannwolf is the customer advocate/local market manager for Bank of America's Military Bank, which has been headquartered in San Antonio, Texas, since its founding in 1920. Her functional responsibilities include the management of all customer satisfaction initiatives as well as oversight of the Military Bank's community-based activities and the Military Affairs Division.

Bannwolf has a long and distinguished record of community service in San Antonio. She currently serves as Chairman of the 2006 "Celebrate America's Military Week" sponsored by the Greater San Antonio Chamber of Commerce (one of the largest in the nation). She is the immediate past Chairman of the Chamber's Military Affairs Committee and is a past member of the Chamber's Board of Directors. In addition, she has served on the Chamber's Governmental/Public Affairs Steering Committee since 1988 and chaired various task forces.

Bannwolf is a 2004 graduate of Leadership Texas. She served on the Steering Committees for both the 2000 and 2002 Leadership San Antonio classes having participated as class member in 1989. Her past service on local boards includes the San Antonio Public Library Foundation board and the board for Habitat for Humanity of San Antonio (the oldest Habitat affiliate in the nation), where she served as vice chairman. In 1996, she was named by the San Antonio Business Journal as one of the "40 Under 40 Rising Stars" in the business community.

Bannwolf was born and raised in a military family. Her father is a retired U.S. Air Force Colonel, and her brother achieved the rank of Captain in the U.S. Army prior to being honorably discharged. Bannwolf's experience with the military also extends to the Defense Advisory Committee for Women in the Services (DACOWITS), which she staffed from 1987-1989 for a national board member. In 2005, Bannwolf was honored to be selected as a member of Secretary of Defense Donald Rumsfeld's Joint Civilian Orientation Conference (69). Currently, Bannwolf serves as a member of the Air Education and Training Command's (AETC) Commanders' Council at the request of General William R. Looney, III, AETC Commander, as well as Honorary Commander for Lackland AFB's 37th Training Group.

Bannwolf is a graduate of the University of Mississippi. She is married to former San Antonio City Councilman Tim Bannwolf, who is a partner in the law firm of Bracewell & Giuliani, L.L.P. They have one son. 11.06


Marcus Beauregard, Colonel, USAF (Retired) works as a contract employee in the DoD-State Liaison Office for the Deputy Under Secretary of Defense for Military Community and Family Policy. He is responsible for developing initiatives with state governments, to include predatory lending issues.

He spent 27 years in the U.S. Air Force, having had assignments as a Squadron Commander, the Director of Financial Management for Air Force Services and the Director of Morale, Welfare and Recreation Policy in the Office of the Secretary of Defense. He retired in July 2003 and has continued to work as a contract employee since August of the same year.


Jim Blaine is the CEO of the $13 billion asset State Employees' Credit Union located in Raleigh, NC. SECU has more than 1.3 million members, 200 branches, and a staff of 3,500. With 25 years experience as a credit union CEO, Blaine offers much insight into present and future issues in consumer finance. Bio describes Mr. Blaine as slightly balding, can be testy, not getting thinner, known to argue and having at least one opinion on everything!! AB, University of North Carolina - Chapel Hill, Duke MBA, Certified Public Accountant (inactive).


James D. "Jay" Dreibelbis was born and raised in San Juan, Texas. He attended Texas A&M University where he received his undergraduate degree and then started his professional career as a Vocational Agriculture teacher in South Texas before entering the field of banking. Dreibelbis currently serves as President of First Community Bancshares, Inc. (FCBI), the holding company of First National Bank Texas, Fort Hood National Bank, First Community Mortgage Company and First Community Services, Inc. His other titles include Chairman of the Board, Chief Executive Officer, and President of First National Bank Texas. He also serves as Vice Chairman of the Board of Fort Hood National Bank.

Dreibelbis started his banking career as a teller with RepublicBank A&M in College Station, Texas and joined American Bank in Conroe, Texas as its President in 1986. He served in that capacity until American Bank became part of First National Bank Texas, when he became regional President overseeing their East Texas Region. While President of their East Texas Region, Dreibelbis was responsible for the development and implementation of the first Supermarket branch for First National Bank Texas at the Blair's Supermarket in Willis, Texas in June 1994. Dreibelbis assumed the role of President of First Community Bancshares, Inc. in 2000.

As of October 20, 2006, First Community Bancshares, Inc. operates 224 branches across the state of Texas. First National Bank Texas operates 8 supermarket branches under the name of First National Bank Texas and 201 branches operate as First Convenience Bank, a division of First National Bank Texas. In addition, First National Bank Texas operates eight free-standing locations. Fort Hood National Bank has 2 branches operating in the Army Air Force Exchange PX locations and one operating in the Commissary on Fort Hood, as well as four free-standing locations serving the soldiers on Fort Hood.

Mr. Dreibelbis is a dedicated father and husband, an avid outdoorsman, and an active volunteer through his church. Community involvement and past accomplishments include serving on the Advisory Board for the Smith-Hutson Endowed Chair of Banking at Sam Houston State University, member of the Texas Bankers Association Community Bankers Council, member of the Board of Directors of the Killeen Independent School District Education Foundation, President of the Chamber of Commerce, Drive Chairman and member of the United Way Board of Directors, member of the YMCA Board of Directors and member of the Economic Development Foundation Board.

Dreibelbis resides in Belton, Texas with his wife Karol and three sons, Justin, Ryan and Travis.


Andrew (Andy) M. Egeland, Jr. became AMBA's President and Chief Executive Officer in 2004 after a distinguished career as an Air Force judge advocate. In his last active duty assignment, Andy served from 1993 until his retirement in March 2000 as the Deputy Judge Advocate General, Headquarters United States Air Force. As a major general he was one of two senior partners in the Air Force military law firm comprising more than 1,500 military and civilian lawyers.

Throughout his nearly 32 years of active military service, Andy held top leadership and management positions as a military attorney and served as legal counsel to senior military and civilian leaders of the Department of the Air Force. He served overseas in Germany and Korea and traveled extensively in Europe and Latin America. Prior to being appointed to the position of Deputy Judge Advocate General of the Air Force, Andy was the Director of Civil Law and Litigation and responsible for all civil litigation affecting the Air Force. He held leadership positions at the major command, intermediate command and base level. He also served as faculty member at the Air Force Judge Advocate General School and was responsible for all civil law instruction given to judge advocates and commanders attending professional military education courses at the Air University.

Andy is a graduate of The National War College and a Distinguished Graduate of the Air Command and Staff College. He received his Bachelor of Arts degree in chemistry from the University of Virginia and his Juris Doctorate from the University of Virginia School of Law. Andy is an active member of the Virginia State Bar and is admitted to practice before the United States Supreme Court, United States Court of Federal Claims, the United States Tax Court, the Court of Appeals for the Armed Forces and the Virginia Supreme Court of Appeals.

After his retirement, Andy successfully led a community service project for the City of Manassas and Prince William County, Virginia, by establishing and operating a state licensed adult day care center for frail and cognitively impaired older adults. The Hearth & Home Senior Adult Day Health Care Center began operating in June 2003 as a not-for-profit center and is addressing the growing need of family caregivers in the community. Community leaders have acclaimed Hearth & Home as a model for longterm geriatric care.

Andy continues his community service as the Vice Chairman of the Fauquier County, Virginia, Human Rights Committee. He also serves as a member of the Executive Committee of the Board of Directors of the Air Force Retired Officers Community that owns and operates Falcons Landing, a continuing care retirement community located in Loudoun County, Virginia. Andy and his wife, Marie, reside in Fauquier County, Virginia.


Rear Admiral Jan Gaudio is currently serving as the Executive Vice President and Chief Operations Officer of the Navy-Marine Corps Relief Society (NMCRS), a global non-profit service organization. The NMCRS mission is to provide, in partnership with the Navy and Marine Corps, financial, educational and other assistance to members of the Naval Services of the United States, eligible family members, and survivors when in need.

Prior to joining NMCRS in 2005, Rear Admiral Gaudio served 34 years in the United States Navy and commanded both at sea and ashore. His last command was as the 84th Commandant of Naval District Washington, headquartered at the historic Washington Navy Yard. He was responsible for base operating support on 18 Navy installations in the National Capital Region and Maryland. He also served as the first Deputy Commander, Joint Force Headquarters National Capital Region (JFHQ-NCR), responsible for Homeland Defense of the nation's capital.

Rear Admiral Gaudio's other command assignments included: Navy Region Southeast; Naval Station Mayport; and Helicopter Anti-submarine Squadron-Light (HSL) 34. Under his leadership, Naval Station Mayport won the 1997 Installation Excellence Award as the "Best Base in the Atlantic Fleet and HSL34 won the Battle Efficiency "E" and the Commander-In-Chief, Atlantic Fleet award for retention excellence. A Joint Specialty Officer, Rear Admiral Gaudio served on the staffs of NATO Allied Forces Baltic Approaches, Commander-In-Chief Western Atlantic Area, and Commander, Fleet Forces Command. During the build up and execution of Operations Enduring Freedom (OEF) and Iraqi Freedom (OIF), he served as the Director of U.S. Atlantic Fleet Readiness and Force Protection.

A New York native, Rear Admiral Gaudio received his Bachelor's degree from the State University of New York at Brockport and a Master's degree in National Security Affairs from the Naval Postgraduate School. He also completed a Federal Executive Fellowship at the John F. Kennedy School of Government, Harvard University. From 1999 to 2000 he was a Senior Fellow on the Chief of Naval Operations (CNO) Strategic Studies Group.

His service awards include the Distinguished Service Medal, the Defense Superior Service Medal, Legion of Merit (2 awards), the Defense Meritorious Service Medal, Meritorious Service Medal (2 awards) and the Navy and Army Commendation Medals.

Rear Admiral Gaudio is married to the former Christy Johnson of Paradise, California. They have a son, Christian, a Lieutenant in the United State Coast Guard and two daughters, Hillary, an opera singer and Emily, a junior at University of New Hampshire.


Don Giles serves as President and Chief Executive Officer for Armed Forces Bank, and Armed Forces Bank of California. He is also Chairman of the Board and Chief Executive Officer for Academy Bank. Collectively, the banks have total average assets of over $895 million with 98 offices in 17 states. Mr. Giles is responsible for the strategic management of the three financial institutions, two of which provide on-base banking services for 34 military communities. He is also involved in the acquisition and merger of additional banking facilities, as well as the start up of new bank locations all across the United States.

Mr. Giles holds a Bachelor of Science Degree in Business Administration from the University of Arkansas. In addition, he attended the Graduate BAI Banking School in Madison, Wisconsin, and the Graduate Banking School of the South in Baton Rouge, Louisiana. Mr. Giles has over 33 years experience in the financial industry during which he directed the operations, lending, and retail functions of various financial organizations.

Mr. Giles began with Armed Forces Bank as Executive Vice President in 1992 and was promoted to President and CEO in 1996. In 1999, Armed Forces Bank of California was chartered in San Diego, California. From its inception, he has served as President and CEO and has been responsible for the bank's expansion throughout four Naval communities in California. As President and CEO of Academy Bank, Mr. Giles oversaw the bank's growth from its first branch opened in Colorado Springs, Colorado in 2000 to a bank with 38 full-service branches located throughout the state. In August of this year, he assumed the position of Academy Bank's Chairman of the Board and Chief Executive Officer.

Mr. Giles serves as Past-Chairman of the Board of Directors for the Association of Military Banks of America (AMBA) and is currently Chairman of Armed Forces Financial Network (AFFN), a network that supports the ATM and point-of-sale activity for military banks, credit unions and off-base retailers around the world.

Mr. Giles' business and professional affiliations also include participation on many boards, advisory boards and committees as well as membership in a number of organizations that actively support the military and civilian community. Mr. Giles has been married for over 33 years and has one married daughter. Updated 11/06


Robert Lee has been employed as an attorney with the FDIC's Legal Division since 1990. Since 2005, Mr. Lee has served as a Counsel in the FDIC's Legal Division, Supervision and Legislation Section, Consumer Compliance Unit.

Mr. Lee was born in New York City. At the age of 12, he moved with his family to Milwaukie, Oregon where he stayed until leaving to attend college. Mr. Lee received his undergraduate degree from Oregon State University and received his J.D. from the University of Oregon. Upon completing his legal education, Mr. Lee entered the military as with a direct appointment to the U. S. Army's Judge Advocate General's Corps. After leaving active duty in 1987, Mr. Lee worked for the U.S. Department of Justice's Drug Enforcement Administration as a senior attorney advisor. While his current work focuses on consumer law issues, Mr. Lee has extensive experience in administrative and employment law issues.

Mr. Lee is married to the former Yumi Pak and has a daughter, Elsa, and a son, Patrick. In addition to his civilian position, Mr. Lee is a reservist in the Air Force's JAG Corps.


Mr. Mooney is Acting Deputy Director of the FDIC's Division of Supervision and Consumer Protection. He directs the Compliance and Consumer Protection Branch, which includes, the FDIC's national compliance, CRA, and fair lending policy programs in addition to all bank examinations and consumer complaint investigations nationwide. He also directs the community affairs, consumer affairs, and deposit insurance outreach programs.

He was named Associate Director in 2005, Chief of the CRA and Fair Lending Section in 2002, and Assistant Director in 1999. Other positions with the FDIC included appointment as Senior Fair Lending Specialist in the Washington Office in 1995; Community Affairs Officer for the Chicago Region in 1992; and Managing Agent, in 1989, as chief executive of several FDIC/RTC-supervised thrifts. He has represented the FDIC on several interagency CRA and Compliance initiatives and authored Side by Side, a Guide to Fair Lending.

Before joining the FDIC, Mr. Mooney had more 10 years of senior management experience in banking, including Regional Vice President, and Director for Retail Banking of a multi-state financial institution; Director of Mergers and Acquisitions, and Vice President for Employee Relations. Mr. Mooney was active in civic affairs, serving on the board of directors, and as President or Treasurer, of several community development corporations and numerous other civic organizations or committees. The Massachusetts State Senate awarded him its Commendation for his work in community development and equal opportunity.


Greg A. Oveland, President of Eisenhower National Bank, a worldwide military bank serving all ranks of all branches of the military service, has nearly 35 years of banking experience. He is the Immediate Past Chairman of the Association of Military Banks of America (AMBA) and is currently a member of the Board and Executive Committee.

Mr. Oveland is also a Director of the Armed Forces Financial Network (AFFN) and Director/Treasurer of the San Antonio Army Community Council. He is an active member of the San Antonio Air Force Community Council and the Association of the United States Army. Mr. Oveland has served as a Director of the Texas Bankers Association and the Independent Bankers Association of Texas. He has also served as Chairman and Director of the Texas Bankers Association Services Company, a member of the Texas Bankers Association Government Relations Council and Director of the San Antonio USO Council and the American Red Cross.

Mr. Oveland received his Bachelor of Business Administration degree from Texas A&M University in Kingsville, Texas. He attended post-graduate studies at Texas State University and is a graduate of the Southwestern Graduate School of Banking at Southern Methodist University in Dallas, Texas and the National Commercial Lending School at the University of Oklahoma.


Serena Owens has been the Chief of Planning and Program Development in the FDIC's Division of Supervision and Consumer Protection since 2002. Her workgroup evaluates how emerging trends in the financial services industry trends may affect insured banks and the FDIC, and recommends appropriate supervisory responses. She is also responsible for modifying safety and soundness examination procedures and providing policy support to all examination staff.

Ms. Owens was an Examination Specialist in the Planning and Program Development Section from 1996-2002, where she was the subject matter expert on subprime lending in insured depository institutions. Prior to joining the FDIC's Washington Office, Ms. Owens was a Bank Examiner in Houston during the Texas banking crisis. She has also served in temporary assignments as a Congressional Fellow in the office of Senator Evan Bayh (D-IN), as the Field Supervisor (Risk Management) in the FDIC's Houston Office, and most recently as the Acting Deputy Regional Director (Compliance) for the San Francisco Region.

Ms. Owens has a B.A. in economics and policy studies from Rice University, and is a graduate of the Southwestern Graduate School of Banking at Southern Methodist University.


Tammy Jo Snyder grew up in Midwest City Oklahoma and graduated from Carl Albert High School. She continued her education at Rose State College where she received her Paralegal Degree. Tammy began her employment with the FNB working as a teller in 1987. She had the opportunity to work in all areas of the bank so she would have an overall understanding and knowledge that benefited her next position in the Auditing Department. From the Auditing Department Ms. Snyder was transferred to Tinker Air Force Base where she is currently Vice President/Branch Manager for their 2 military branch locations for the past 13 years. She is involved with numerous military organizations on Base and conducts financial educations classes throughout the year for base personnel. Ms. Snyder and First National Bank have been the recipients of "Military Bank of the Year" four times for their efforts in financial education. They are currently the "2006 Military Bank of the Year". Ms. Snyder and her husband have three children one new grandchild and reside in Oklahoma City.


Prior to assuming her current position, as Director, Office of Family Policy, Barbara had a special assignment coordinating support programs for severely injured Service members and their families. As the Senior Program Analyst with the Office of Children and Youth, she was responsible for developing and revising youth and child development policy while tracking trends and researching national initiatives, impacting programs operating at over 300 locations serving 200,000 children ages birth through 12 years on a daily basis. Barbara has over twenty-three years of experience working in military child care; seventeen years with the Air Force's family member programs at three levels - Director of a multi-facility and in-home care child development program; regional child development and youth specialist supporting nine programs located in four Mediterranean countries; and her final role as a child development specialist in charge of training and curriculum development for the Family Member Programs Branch, Community Programs Division, Headquarters Services Agency.

Barbara was chosen as one of only 11 Harris mid-career fellows (experienced professionals with an established record of leadership and achievement) for ZERO TO THREE's prestigious Leaders for the 21st Century program. This leadership development initiative provides each of the participants with an opportunity to collaborate with top leaders from many disciplines, as well as receive assistance for an innovative project aimed at improving the lives of very young children.

Barbara grew up in St. Louis, Missouri, lived in Madrid, Spain for twenty years and became fluent in Spanish, and moved to the Washington D.C. area in 2000. Barbara completed post-graduate course work in early childhood education, received a Masters of Science in Management from Troy State University, Troy, Alabama and a Bachelors of Arts in Spanish and Early Education from St. Louis University, St. Louis Missouri. She may be contacted at (703) 614-4083 or


Sandra Thompson is the Director of the FDIC's Division of Supervision and Consumer Protection (DSC) where she directs risk management and consumer protection examination activities relating to approximately 5200 FDIC supervised institutions. She oversees approximately 2,500 employees located in 84 territories and 6 regional offices around the nation.

Ms. Thompson previously served as the FDIC's Deputy to the Vice Chairman and led the Corporation's Bank Secrecy Act and Anti-Money Laundering and Financial Crimes supervisory activities. As head of the FDIC's Electronic Banking Branch, Ms. Thompson expanded and modernized the Agency's Information Technology Supervisory processes. Ms. Thompson previously served as the Director of Securitization for the Resolution Trust Corporation and was responsible for issuing over $41 billion in mortgage-backed securities. Prior to joining the FDIC in 1990, Ms. Thompson was an associate at Goldman Sachs & Co. in New York City. She holds a degree in Finance from Howard University.


Ky Tran-Trong is a Counsel in the Division of Consumer and Community Affairs of the Federal Reserve Board. He works on regulations implementing the Electronic Fund Transfer Act, the Truth in Lending Act, the Truth in Savings Act, the consumer financial privacy provisions of the Gramm-Leach-Bliley Act, and the Fair Credit Reporting Act. Before joining the Board, he was with the U.S. Commodity Futures Trading Commission, and clerked for the Honorable Vanessa Ruiz at the D.C. Court of Appeals. He received his bachelor's degree from Duke University, his law degree from William & Mary School of Law, and his LL.M. in corporate and commercial law from the University of London. He is admitted to practice law in New York.


Terry Tuggle was born and raised in Odessa, Texas. He received his undergraduate degree in Business Administration from the University of Texas at Austin. He attended the Southwest Graduate School of Banking at Southern Methodist University, as well as the University of Oklahoma and other banking schools and seminars.

Terry Tuggle currently serves as President, Chairman of the Board and Chief Executive Officer of Fort Hood National Bank. Additionally he serves as Vice Chairman of the Board of First National Bank Texas.

Tuggle moved to Killeen in March of 1988, and became a part of Senior Management as Executive Vice President of First National Bank Texas (FNBT). He was promoted to President in June of 1988 and later to Chairman of the Board and Chief Executive Officer. Over the years he has served as Chief Executive Officer of banks for two of the largest and most successful holding companies in Texas (Texas Commerce Bank and Republic Bank Texas). He came to FNBT with over 29 years of diversified banking experience.

In November 1995, Tuggle also assumed the responsibilities of President, Chairman of the Board and Chief Executive Officer of Fort Hood National Bank. He works closely with the Command Staff and the Bank Liaison Office on Fort Hood negotiating the Bank Services Agreement and seeking ways to improve products/services for the safety and well being of the soldier. He implemented the first In-Store Banking Agreement with the Defense Commissary Agency and opened the first bank located in a commissary. He also negotiated with the United States Postal Service placing postal operations in each of the free-standing bank locations on Fort Hood (a banking first).

Fort Hood National Bank has been the recipient of the coveted Department of Defense "Military Bank of the Year" Award 5 of the last 9 years, for providing exemplary service to the soldier.

Tuggle is the recipient of the coveted Roy J. Smith Award for Outstanding Community Service and is also one of the few civilians to become a member of the exclusive Sergeant Audie Murphy Club and is a recipient of the Good Neighbor Award. Tuggle's professional affiliations include: Association of Military Banks of America, Board of Directors; Association of United States Army, Board of Directors and Past President; Killeen Economic Development Corporation, Board of Directors; Killeen Industrial Foundation, Board of Directors and Past President; Killeen Independent School District Educational Foundation, Board of Directors; Greater Killeen Chamber of Commerce, Governmental Affairs & Local Affairs Chairman and Past President (twice); United Way, Financial Institution Chairman; Killeen/Harker Heights Rotary Club, Member - Senior Active; Committee of 12; Independent Bankers Association of Texas, Area Advisor and member of the Legislative Committee; Scott & White Hospital, Board of Visitors; former Vive Les Arts, Board of Directors and Boy Scouts of America (Longhorn Council), Advisor and various other Boy Scout roles. He has served on numerous committees and civic activities. Terry's wife Joyce is a native of Texas, they have two sons who also reside in Texas.

Last Updated 01/03/2007

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