Detroit 2020 State of the Market

Joshua A. Bernard is a Vice President and member of the senior management team at Bernard Financial Group (“BFG”). Before joining BFG, Joshua was an associate with TPG Capital in New York City specializing in bridge, mezzanine and preferred equity lending for all commercial real estate asset classes. Prior to TPG, Joshua was an analyst with Wells Fargo Bank’s Large Loan Group specializing in both portfolio and securitized lending products greater than $100 Million in size. As of November 2019, Joshua has placed or written more than $4 Billion of commercial real estate loans across the United States. Joshua graduated with a BBA and high honors from the University of Michigan Ross School of Business. Besides new loan originations and day to day operations for BFG, Joshua focuses on further growing BFG's presence in the City of Detroit and expanding BFG’s downtown Detroit office. Joshua lives year round in downtown Detroit with his wife Stacie and their new puppy, Button.

Mr. Schick manages the performance and growth of a commercial real estate portfolio with clients based in Southeast Michigan. He is responsible for originating new loans, as well as growing depository, treasury management, capital markets, and investment management opportunities with new and existing clients. Prior to joining 5/3 Bank, Mr. Schick spent 20 years in finance and real estate development, working for private finance and development companies as well as national banks, allowing him to understand the perspective of both developers and lenders. During this time, he originated over $1 billion of new loans and has closed debt and equity placements for a full spectrum of commercial real estate asset types. He has experience with loan workouts and asset sales, and healthcare and education lending. Mr. Schick has experience with construction and development and residential, multifamily, manufactured housing, retail, office, warehouse, research and tech, self-storage, mixed use, medical, assisted living, and nursing home facilities. Mr. Schick received the Dean’s Scholarship to attend Miami University (Oxford, OH) where he graduated with a B.A. in Economics. He received an MBA from the Broad College of Business at Michigan State University where he was awarded the Financial Executives International Medal for Outstanding Scholarship in Finance and Accounting. Mr. Schick has been involved in the Urban Land Institute (ULI), the International Council for Shopping Centers (ICSC), the Healthcare Association of Michigan and Assisted Living Association of Michigan (HCAM/ALAM). His is a Board Member and Asset Management Director for Building Families First Community Organization, and a member of the Board of Directors for Presbyterian Villages of Michigan, Oakland Woods. He has also been a guest lecturer at the University of Michigan on the topic of real estate finance.

Andrew’s primary responsibility involves evaluating strategic opportunities for both principal investment and service business throughout the Midwest. Andrew is recognized as an industry leader in capital markets activity in Detroit, Chicago, Milwaukee and Columbus. Background & Experience Andrew joined Farbman Group in July of 2000. Andrew’s skills include underwriting all property types and classes, and conducting property- level due diligence for prospective acquisitions and developments, negotiating partnerships and arranging equity and debt financing. Since joining Farbman Group, Andrew has been responsible for purchasing, repositioning and developing over $1 billion in real estate. Prior to joining Farbman Group, Mr. Farbman worked in Blackstone’s private equity real estate group in New York City. Other work experience includes Lazard Frères & Co. LLC with their New York Real Estate Investment Banking Division.

Jeff Gaines AIA, AICP, LEED AP BD+C is a Corporate Director and Principal at Albert Kahn Associates, Inc. where he serves as the Director of Design, Planning and Sustainability. With over 30 years of experience in the fields of architecture, planning, and urban design, Mr. Gaines is committed to sustainable design and planning solutions that improve the well-being of those that occupy and are affected by the resulting built environments. He is the past Chair of the Board of Directors for the Detroit Regional Chapter of the U. S. Green Building Council, an organization that he has been involved with since its formation. He is also actively involved in the Detroit Chapter of the American Institute of Architects and the Michigan Chapter of the American Planning Association. He is a registered architect in the State of Michigan, and a Certified Planner. In addition, he holds certificates from the National Charrette Institute and the Form Based Codes Institute, and is also a Michigan Place Partnership Placemaking Curriculum Certified Trainer. He has also taught Architectural Design and Urban Planning courses at Lawrence Technological University, University of Detroit Mercy, and the University of Michigan. Jeff lives in Northville, Michigan and serves on the City’s Planning Commission and Historic Commission.

Practice Areas: Real Estate, Business Law, Data Security, Connected/Autonomous Vehicle Security Christopher R. Martella is a shareholder practicing in the areas of real estate acquisition / disposition, development and financing transactions and data security. Along with a strong background in real estate and data security, Mr. Martella focuses on structured finance and general corporate matters related to business start-up and turn around. Prior to joining Kemp Klein, Mr. Martella worked at a boutique firm that advised mid-market qualified professional asset managers on the acquisition of commercial real estate and alternative investment vehicles. Christopher has extensive experience working with the United States General Services Administration and its real estate service providers. Prior to his boutique practice, Mr. Martella worked in the State of Kuwait and the United Arab Emirates for the local office of a multinational law firm. While in the Middle East, Christopher’s practice focused on real estate acquisition and development, cross border mergers and acquisitions and Islamic and traditional finance. In addition to Mr. Martella’s real estate and finance background, he is a leading advisor to many small and medium sized businesses on legal issues related to pre and post electronic data breach mitigation strategies, data security, and National Institute of Standards and Technology and ISO/IEC 27000 data security and management compliance. Mr. Martella has been selected by his peers for inclusion in The Best Lawyers in America© 2020 in the field of Real Estate Law (Copyright 2019 by Woodward/White, Inc., of SC). Prior to becoming an attorney, Mr. Martella was a founder and the chief operating officer of Microweb Inc., a mobile phone software company based in Hong Kong which was sold to a Chinese technology company in 2002. Education: J.D. (Tax and Corporate Law) Michigan State University College of Law, 2006 B.A. (International Relations) James Madison College, MSU, 2001 M.S. (Information Assurance) University of Detroit Mercy, 2015 Bar and Court Admissions: State Bar of Michigan, 2006 U.S. District Court for the Eastern District of Michigan U.S. Court of International Trade