Servicing People.(Industry Overview)

CALIFORNIA

Pleasanton-E-LOAN Inc. has appointed James G. Jones to its board of directors.

Mr. Jones, the recently retired vice chairman of credit and risk management at Providian Financial, previously served as the president of direct banking and group executive vice president of consumer credit at Bank of America, and as the executive vice president of consumer credit at Wells Fargo.

More recently, Mr. Jones was vice chairman of credit and risk management at Providian Financial in San Francisco.

Walnut Creek-1031 Exchange Options has named John Padua and Todd Spillman to the company's replacement property specialists team. The new replacement property specialists will assist clients in finding appropriate replacement properties for their 1031 exchanges and other real estate investments.

Mr. Padua is licensed with the NASD as a registered representative. He worked with Morgan Stanley Dean Witter as an investment advisor and has more than 10 years of experience in consulting individual clients on financial planning and investment strategies.

Mr. Spillman has more than seven years of experience as a financial advisor and retirement planning specialist for Morgan Stanley Dean Witter as well as holding a position as Morgan Stanley's compliance manager.