Jeff Gaia


Principal, LLC


The Company has retained the services of a financial management and business consulting firm,, LLC.


The principal of this firm, Jeffrey Gaia, recently retired as President and Chief Executive Officer of The Biltmore Bank of Arizona, a de novo community bank he co-founded in 2003.  Mr. Gaia has 34 years of professional experience, including 29 years in the financial services industry.  Prior to his tenure at The Biltmore Bank of Arizona, Mr. Gaia was Managing Director, Retail Banking Group for California Bank & Trust, the $9 billion subsidiary of Zions Bancorp.  He had P&L responsibility for approximately 70 bank branch locations throughout the State of California, as well as Consumer and Small Business Lending.


From 1988 through 2000, Jeff worked at Bank One Corporation.  His last position at Bank One was President, National Business Banking Group.  In this capacity, he ran the small business franchise nationally for Bank One.  The Business Banking Group was the third largest lender to small businesses in the United States, with outstanding loan and deposit balances of $30 billion.  During his career at Bank One, Mr. Gaia held positions as Chairman and President, Banc One Mortgage Corporation, Chairman and President, Bank One, Utah N.A., as well as various other senior line and staff positions, including Chief Loan Examiner and Head of the Special Assets (Workout) Division, with Valley National Bank, which merged with Bank One in 1993.


Earlier in his career, Mr. Gaia was employed at Citicorp in St. Louis, Missouri, and London, England, where he ran a derivative trading operation, and led early mortgage securitization activities in the United Kingdom mortgage market.  Mr. Gaia has experience in both public and private debt markets in the United States and abroad.


Mr. Gaia has been a frequent guest speaker at various banking industry conferences, including those sponsored by BAI, American Banker, and European banking trade groups.  Mr. Gaia holds a Bachelor of Science degree from the University of Missouri (1976), and a Master of Business Administration degree from St. Louis University (1979).


Jeff Gaia, Consultant

1784 Capital Holdings LLC

Shane Albers, Chairman and CEO




8777 N. Gainey Center Drive, Suite 191

Scottsdale, AZ 85258

Plans, specifications, included features, available options and elevations are subject to change without notice. All dimensions and square footages are approximate. Renderings are artist conceptions. Plans an renderings are the copyrighted property of 1784 Capital Holdings LLC and Bakken Communities.  Reuse of plans is strictly prohibited.

Jeff Gaia, Consultant