Page 6 - Welcome to the AAG Team

Executive Team Profiles

MARTIN LENOIR – Chief Operating Officer/Chief Marketing Officer

As chief operating officer, Martin is focused on making sure AAG’s key initiatives are well resourced and managed to
ensure that the company delivers on its transformation into a senior home equity solutions provider. In his chief marketing
officer role, Martin is responsible for the entire enterprise-wide marketing function, including call center operations, digital
marketing, marketing operations, lead generation, financials, and analytics. Martin joined AAG in 2014 after leading several
blue-chip companies in similar executive roles. Martin earned his Bachelor of Science degree at the University of
Pennsylvania and Master of Business Administration degree from the University of Texas at Austin.

MATT ENGEL – Chief Financial Officer
As chief financial officer, Matt is responsible for the finance, treasury, capital markets, servicing and accounting aspects of
the company. Matt has 24 years of experience in corporate finance and accounting in both the public and private arena.
Before joining AAG in April 2014, he served as executive vice president for Newmark Grubb Knight Frank, a commercial real
estate services company. Matt earned a Bachelor of Arts degree in accounting from the University of Northern Iowa and is a
certified public accountant (inactive, Missouri).

PAUL FIORE – Chief Retail Sales & Operations Officer
As chief retail sales and operations officer, Paul oversees sales and operations for AAG’s centralized retail sales channel.
Since joining the company in 2009 as executive vice president of retail sales, Paul has helped transform AAG into the largest
retail originator in the industry. Before joining AAG, Paul was the chief learning officer at Senior Lending Network (World
Alliance Financial). He serves on the board of the National Reverse Mortgage Lenders Association and is a frequent speaker
at industry events. Paul earned his Bachelor of Arts degree in marketing from the New York Institute of Technology.

MICHAEL JOSEPHS – Chief Information Officer
As chief information officer, Michael is responsible for the mission-critical technology platforms that support the company’s
business, ensuring the safety and security of its systems and the data that runs on them. He also oversees the execution of
key initiatives to further scale, optimize, and continuously improve AAG’s capabilities. Michael joined AAG in January 2016
with 25 years’ experience in the technology space. Michael earned a Bachelor of Science degree in computer science and
philosophy from the University of Maryland, College Park.

RICK LIEBER – Chief Risk Officer

As chief risk officer, Rick is responsible for AAG’s enterprise risk functions, including compliance, licensing, exam coordination
and quality control. His focus is to ensure AAG has an effective risk and control environment that can scale as the company
grows. Before joining AAG in June 2017, Rick was the senior vice president of enterprise risk management for OneWest Bank
and held similar executive roles for other leading financial institutions. He earned his Bachelor of Arts degree in Economics
from UC Santa Barbara and a Master of Business Administration degree from NYU’s Stern School of Business.

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