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Peter S. Clarke, is a former banker with over 30 years experience in commercial lending and loan/credit administration with multibillion dollar banking institutions staring with Citibank in New York, and then moving to the former Texas Commerce Bank in Houston now Chase, and then to the Great Western Bancorp now Wells Fargo, and finally to Frost Bank in Houston. He has also been with The WFA Group, headquartered in Houston, Texas, for over 20 years. This Group provides collateral field exams on all types and sizes of credits for banks and non banks around the country. Besides A/R, Inv., Notes, and Special Projects, the company does any type of collateral field exam involving a working capital loan secured by real estate or personal property assets. In addition, The WFA Group also provides all types of machinery and equipment appraisals involving any type business or industry including full inspections, limited scope inspections (with the balance completed on a desktop),including giving value for in place installed equipment, and full desktops from its office. Appraisal values include Fair Market, Orderly Liquidation, and For Sale Liquidation (private or auction), and in place values where applicable.