Michael O’Malley President and Founder

•Michael O’Malley is the Chief Executive Officer of Point Financial, Inc. (PFI), a company he founded in 1988. Under his leadership, the firm has originated over $300 Million in venture lending, leasing and direct equity investment transactions for more than 150 companies. Uncharacteristic of the competitive landscape, Michael is a true entrepreneur that believes in “eating what he kills”, originating and leading every deal with his own capital and always participating alongside his investors. Throughout PFI’s evolution, Michael has employed various fundraising methods, from deal syndication and pooled investments, to the use of a traditional funds and the company’s current fixed income debenture offering.  Mr. O’Malley also has chaired PFI’s Credit Committee since PFI’s inception. It is that level of confidence and scrutiny in underwriting that has allowed PFI to produce an average rate of return on equity of 26%.  Having held both board and advisory positions with private equity backed organizations, Michael is a seasoned veteran in the venture capital community. Among them, Michael served as Chairman of the Board for Mytogen, Inc., which he successfully merged with Advance Cell Technologies (a publicly traded company-ACAS) in 2008 for a successful exit. During his time as Chairman, Mr. O’Malley sponsored the first investment and raised a total of $10 Million for the late stage biotech M&A. Ultimately bringing together a cell science research firm (spinoff of Genvec Corp) and a specialty cardiologist centered heart cell therapy (purchased from Arizona Heart Institute) firm for the purpose of creating a regenerative heart tissue implantation product and the production & sales of a suite of specialized catheters.  In the years prior to PFI, Mr. O’Malley founded PC Commercial, a division of Systems Marketing Inc., which was a front-runner in the leasing of IBM personal computers to Corporate America. In 1988 he sold his interest in the organization in order to form PFI. Michael began his leasing career in 1979 as a marketing representative with the Xerox Corporation and later for United States Leasing Company (USLC) where he was a key player in the formation of their IBM vendor-leasing program, which quickly became the companies largest division in its 30 plus year history at that time. Michael attended the University of California Santa Barbara and San Francisco State where he received a Bachelor’s Degree in Economics. Michael is an avid snow skier and hiker and enjoys working with his wife of 36+ years and 4 children in managing their family foundation.

momalley@pointfin.com • (480) 785-1113 ext 100

Eric Koontz Chief Operations Officer and Principal

•Eric Koontz is the COO & Co-Chairman of the Credit Committee of Point Financial, Inc. and has been with the firm since 1992. He provides extensive leadership, financial and operational expertise to the firm, overseeing all administrative functions as well as assisting with the corporate strategy. During his tenure, his responsibilities have included financial modeling and tax accounting, negotiation of contract terms and conditions, as well as lease portfolio management and company administration and strategy. Further responsibilities include serving as Co-Chair on PFI’s Credit Committee and Advisory Board for Point Financial, Inc. and Point Financial Income Lease Fund I, Point Financial Capital Partners LLC and OREM Real Estate Investments. Prior to joining PFI, he served as Arizona Building and Development’s Inc. Internal Financial Analyst. The firm specialized in the development and management of commercial retail shopping centers whereby he was responsible for analyzing the economic viability of income-producing properties.  Eric holds a BA in Business Administration from the University of Arizona as well as a MIM from the American Graduate School of International Management (Thunderbird). Eric also enjoys spending time outdoors biking, hiking and running and time with his new wife, while also raising their four children

ekoontz@pointfin.com • (480) 785-1113 ext 101

Morgan O’Malley Director of Investor Development

•Morgan O’Malley is a Director of Investor Development at Point Financial, Inc., responsible for creating, establishing and managing relationships with investors, advisors, and managers and is a voting member of the PFI Credit Committee. Morgan has nearly a decade of experience working in the financial services industry where he has developed an extensive investor network.  Prior to joining PFI, Morgan began his career with Northwestern Mutual as a Financial Advisor and quickly became a Director while building a holistic practice centered on working with both high net worth individuals and business owners. Morgan is active within the community he lives and serves as an executive member of the Children in Need Foundation and enjoys volunteering with the Be The Match Registry where he was recently selected as a match to provide bone marrow donation to a patent in need.  He attended Arizona State University where he earned a Bachelor’s of Arts degree in Business and Communication. Morgan holds both a series 7 & 63 in addition to his life and health producer’s licenses.

morgan@pointfin.com • (480) 785-1113 ext 106

Michael-Ryan O’Malley Director of Business Development

•Michael-Ryan O’Malley O’Malley is a Director of New Business Development with Point Financial, Inc. and is responsible for developing new strategic relationships with PFI’s business prospects and venture capital partners as well as assisting with portfolio company research and due diligence.  In addition Michael-Ryan provides strategic marketing and client relationship support and is a voting member of PFI’s Credit Committee. Michael-Ryan has many years of experience in telephonic sales and prospecting as well as processes and protocols in underwriting and booking retail mortgages, which he learned while working for two of the nations premiere mortgage lenders. Prior to joining the PFI team he worked as a senior mortgage banker and was a licensed loan originator in over 15 states. Michael–Ryan studied business and finance at Arizona State University where he was both a student and a young entrepreneur. Michael-Ryan finds it important to give back to the community and is a leader of a neighborhood ministries program through Christ’s Church of the Valley (CCV). In addition he also is an active member at Toastmasters International where he is dedicated to improving his professional public speaking skills.

michael-ryan@pointfin.com • (480) 785-1113 ext 105