GEORGE H. G. HALL, ESQ. 4736 Blanding Blvd. Jacksonville Park, FL 32210 (H) 321/474-6651 (O) 904/379-8859 EDUCATION J.D. University of Florida, 1995: Taxation M.B.A. Harvard University, 1972: Finance B.A. Indiana University, 1966: Economics Northwestern University 1973: Professional Accounting Program Certified Public Accountant, 1974: New York EXPERIENCE Jacksonville University, Jacksonville, FL September 2002 to present Resource Professor of Accounting and Finance Taught at MBA and undergraduate level. Undergraduate courses taught were Financial Statement Analysis, Labor Relations, Music and Business, Risk Management, Real Estate, Accounting Principles, Accounting for Aviation Students, Personal Finance, Principles of Finance, Cost-Based Decision Making, Portfolio Management and Income Tax I and II. Graduate courses taught were Business Law (EMBA), Law and Ethics (EMBA) Corporate Finance (EMBA) and Principles of Accounting (MBA), Law and Ethics (MBA) Financial Statement Analysis (MBA) and Corporate Finance (MBA). George H. G. Hall, Attorney, Jacksonville, Florida September 1996 to Present Sole practitioner in general law practice. Practice primarily concentrated in small business consulting, asset protection, estate planning, homeowners’ associations, and taxation. Consultant, Orange Park, Florida October 1991 to September 1996 Consulting in areas of financial reporting systems, asset-liability matching, reinsurance transactions, and regulatory affairs of insurance companies. Directed accounting and financial activities for one casualty company and three life companies. VOYAGER INSURANCE GROUP (Subsidiary of Primerica) Jacksonville, FL 1991 Senior Vice President/Chief Financial Officer July 1989 to October Directed all accounting and financial activities of nine insurance companies and eighty captive reinsurance companies. Additional responsibilities included review of potential acquisitions, evaluation of numerous reinsurance transactions, coordination of annual audit and insurance examinations, relations with insurance departments and rating agencies, and development of annual profit plan. Major accomplishments included completion of purchase accounting for the recent acquisition by Primerica, producing timely monthly financials for the group and vastly improving the timeliness of year-end filings with state insurance departments. Final project was to shut down the home office operations in Jacksonville prior to move of company to Fort Worth. DIRECT MARKETING CORPORATION OF AMERICA (Subsidiary of CALFED) Los Angeles, CA October 1988 - June 1989 Executive Vice President/Chief Financial Officer Directed all financial, accounting, and data processing activities in the direct marketing group of CALFED Bank (holding company, insurance agency, life insurance company, advertising agency). Three weeks after arrival CALFED announced that the company would be sold or liquidated. Major projects included shutting down various operations, negotiation of reinsurance contracts, preparation of offering memorandum for sale of the group and identification of and negotiations with potential purchasers. FIRST CAPITAL LIFE INSURANCE COMPANY, La Jolla, CA January 1988 - October 1988 Senior Vice President/Chief Financial Officer Directed all accounting, budgeting, and financial activities of the largest company in First Capital Holdings. Major accomplishments/projects included completion of purchase accounting for the company, implementation of FAS 96 and 97 (FCL was the first life insurance company in US to adopt these pronouncements) and negotiation of sale/leaseback of home office. George H. G. Hall Page two TRANSAMERICA LIFE COMPANIES, Los Angeles, CA December 1982 - December 1987 Senior Vice President/Chief Financial Officer; Member, Board of Directors Responsible for all financial and accounting activities of the Life Operations of Transamerica Corporation (seven companies-premiums Transamerica. 2.5 billion, assets 16 billion), largest company in Additional responsibilities included analysis of acquisitions, monitoring of new ventures (mass marketing, structured settlements, New York operations, and broker dealer), relations with rating agencies and stock analysts, analyzing competitor companies, asset-liability management, due diligence on acquisitions, analysis of new accounting rules and tax legislation, bank relations, foreign currency hedging, and cash management. Major projects/accomplishments included establishing a credible one and five year plan, establishing an asset-liability matching system, implementation of on-line general ledger system and cash disbursement system, development of a paperless budget system, and divestiture of two major business segments. Managed staff of 250. NATIONAL BENEFIT LIFE INSURANCE COMPANY, New York (Subsidiary of Primerica) April 1981 - December 1982 Senior Vice President/Chief Financial Officer Directed all planning, financial, auditing, and accounting activities of five companies in the financial service sector of Primerica. Reviewed potential acquisitions, coordinated integration of acquisitions, coordinated outside audits of the division, directed SEC reporting and advised investment and audit committees of Board of Directors. PROTECTIVE LIFE INSURANCE COMPANY, Birmingham, AL August 1979 - April 1981 Vice President/Corporate Systems Directed all data processing operations. Coordinated merging of two acquisitions into the parent company, identification of cost-effective EDP applications in operations and in sales, conducting operational and financial reviews of potential acquisitions, and implementation of a company-wide budget process. Managed a professional staff of 48 people. George H. G. Hall Page three USLIFE CORPORATION, New York, Chicago, and Los Angeles 1974 - 1979 Vice President/Treasurer Directed financial and accounting activities of USLIFE's largest life insurance subsidiary. Served as Vice President/Treasurer of USLIFE's casualty company with responsibility for all financial and EDP activities. Major projects/accomplishments included installation of new general ledger system, due diligence review of and integration of four acquisitions, developing new billing and collection system reducing overdue receivables by 80%, determined subsidiary's unfavorable profit outlook and participated in negotiating its sale. ARTHUR YOUNG AND COMPANY, New York 1972 - 1974 Auditor Assignments included corporate level audits of conglomerates and major oil company. Subsidiary audits were in financial services, manufacturing, and food services. Other Activities: Crown Structures. General Counsel and Member Board of Directors. 11% owner and active manager of construction company specializing in construction of school and office building roofs. Halker Investments. General Partner of partnership engaged in purchasing, rehabbing and rental of properties, primarily single family homes. Halker Properties XII. President and majority owner of company engaged in management of a portfolio of rental properties. Halker Trust 1919. Lead investor and trustee in real estate investment trust which makes mortgages to construction lenders. 4736 Blanding LLC. Managing Member of company established to manage group of foreclosed properties George Hall Trust No 387-Lead investor and trustee in real estate investment trust which makes mortgages to subprime lenders. Grand Eta, Chi Phi Fraternity. Active in fundraising and fraternity management. Served as number two officer in the oldest male social fraternity for four years. Served on its Grand Council and handled all legal matters. Organization of approximately 60,000 members. Fellow Life Office Management Association. Key Alumnus, Chi Phi Fraternity Indiana University. Part of fundraising committee that raised over 1 million add new wing to chapter house. Power and Control Installations, Inc. General Counsel. Company engaged in electrical contracting in construction projects nationwide. Concerned Taxpayers of Duval County. Member and active participant in local political process. Licenses: Certified Financial Planner. 2000 Admitted to Florida Bar, State of Florida Admitted to Bar of United States District Court, Middle District of Florida Admitted to United States Bankruptcy Court, Middle District of Florida Admitted to United States Bankruptcy Court, Southern District of Florida Certified Public Accountant, 1974, NY (inactive) Publications and Presentations Probate from Start to Finish-Chapter on Closing the Estate-How to book distributed at professional seminar for attorneys and paralegals. September 2007 Bankruptcy On Line Magazine Florida Times Union-three letters to the editor 2013-2014: Hall, G., Demps, J. (March 2014). JU Research Presentation. “Race, Trading Places Let’s Discuss”. Presentation, Discipline Based Scholarship) 2012-2013: Hall, G., Murphy, R. (2013). “The Effect of Ethical Pricing”. Journal of Global Business Management. Published (Peer-reviewed/refereed) (Journal Article, Professional Journal, DisciplineBased Research) Hall, G., Murphy, R. (2013). “A Television Reporter Makes a Mistake. What Should Be Done ?” Journal of Business Cases and Applications. Published. (Peer-reviewed/refereed) (Journal Article, Professional Journal, Discipline-Based Research) Hall, G. (Presenter & Author), Murphy, R. (Author Only) (January 2013). “A Television Reporter Makes a Mistake. What Should Be Done?” Academic and Business Research Institute Conference, Orlando FL Academic, International, Published in proceedings (January 4, 2013 (Presentation, Discipline-Based Scholarship Hall, G., Murphy, R. (April 2013). JU Research Presentation “A Television Reporter Makes a Mistake. What Should Be Done?” (Presentation, Discipline Based Scholarship Discipline-Based Research) 2009-2010 Thornton, B., Adams, M., Hall, G. (2009). Do Underwriters Create Value In The Determination Of The IPO Final Offering Price? Journal of Applied Business Research, Volume 25, No. 6, November/December 2009. (Peer-Reviewed Journal Article, Discipline-based Scholarship) 2008-2009 Crosby, W., Hall, G., Murphy, R. (2008). When is the Line Crossed? The Business Review, 11. Published. (Peer-reviewed/refereed) (Journal Article, Professional Journal, Discipline-Based Research) 2007-2008 Thornton, B., Adams, M., Hall, G. (2007). IPO Pricing Phenomena: Empirical Evidence of Behavioral Biases. Journal of Business and Economics Research, Volume 6, No. 4, April 2008. (Peer-Reviewed Journal Article, Discipline-based Scholarship) Adams, M. (Presenter & Author), Hall, G. (Presenter & Author), Thornton, B. (Author Only), The International Business & Economics Research Conference, Teaching and Learning Conference, Las Vegas, NV, "IPO Pricing Phenomena: Empirical Evidence of Behavioral Biases", Academic, International, Published in proceedings. (October 6, 2007). (Presentation, Discipline-based Scholarship) Thornton, B., Adams, M., Hall, G. (2008). “Do Underwriters Create Value in the Determination of the IPO Final Offering Price?” Abstract in proceedings, Applied Business Research Conference. (Conference Proceeding Abstract, Discipline-based Scholarship) Currently active projects Cases in Ethics in various stages of production Paper on Social Security Clsiming Strategies