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Management
Loans4Less’ directors have been elected to serve until the next annual meeting of the stockholders and until their respective successors have been elected and qualified or until death, resignation, removal or disqualification. The company's certificate of incorporation provides for the number of directors to serve on the board of directors which may be established, from time to time, by action of the board of directors or a majority of the shareholders. Vacancies on the Board are filled by a majority vote of the remaining directors on the board. The company's executive officers are appointed by and serve at the discretion of the board.
Steven M. Hershman serves as president, treasurer, CFO and Chairman of the board of the company and has devoted substantially all his efforts to the development of Loans4Less.com which serves as a mortgage broker primarily in the California residential mortgage place. A citizen of the United States and the UK, Hershman holds a California Real Estate Broker License and he started his career on the London Stock Exchange in 1977 becoming a member of The London Stock Exchange in 1981. Between 1982 and 1990 Mr. Hershman worked for Thomson McKinnon Securities, Inc. and Ladenburg, Thalmann Members of The New York Stock Exchange. In 1990 Hershman became a mortgage broker prior to forming Union Discount Mortgage, Inc. in April 1993.
Julia Leah Greenfield, Attorney-At-Law serves as secretary and a director of the company. Greenfield has been a practicing attorney since 1976 representing several major savings banks and mortgage lenders, specializing in mortgage banking laws with an emphasis on origination, servicing, secondary market whole-loan sales, securitization of prime and subprime residential mortgage loans, Truth-In-Lending and regulatory compliance under federal and state law. Greenfield is a member of the State Bar of Pennsylvania, State Bar of California and American Bar Association. Greenfield received her Juris Doctorate in May 1976 from Villanova University School of Law, Villanova, Pennsylvania, and her Bachelor of Arts (Phi Beta Kappa) in May, 1973 from the State University of New York at Binghamton, Binghamton, New York.
Daniela Haynie serves as a director of the company and an executive vice president underwriting manager and mortgage loan processor, assisting in the processing and closing of mortgage loan transactions. Haynie has worked with the company since October, 2001. From August, 1997 to October, 2001, Haynie served as a mortgage loan underwriter assisting brokers and various loan officers in processing and closing mortgage loan transactions for Crestwood Mortgage Company, Torrance, California, a company specializing in residential mortgage lending and brokerage. Haynie graduated from the University of Sao Judas Tadeu (Sao Paulo, Brazil) in 1995 and moved to the United States in March, 1996.
Marc C. Phelps, CPA serves as a director of the company. Phelps has been working in public accounting since 1982 assisting small businesses in the areas of taxation, setup and maintenance of accounting systems and business management. Since 1999, Phelps has also helped small businesses with the audit process both as the auditor and as a consultant assisting small companies to get ready for audits. Phelps is a Certified Public Accountant licensed to practice in the State of California. In 1999, he received a Bachelor of Science degree in Business Administration (Magna Cum Laude) from California State University Dominquez Hills.
