▁graduated ▁from ▁the ▁Dob ie ▁High ▁School ▁in ▁ 1 9 7 4 . ▁ ▁Career ▁Mar ling ▁worked ▁for ▁the ▁First ▁City ▁Ban cor por ation ▁and ▁Aff ili ated ▁Computer ▁Services . ▁ ▁He ▁also ▁served ▁as ▁the ▁chairman ▁of ▁Texas ▁D CS . ▁ ▁Mar ling ▁became ▁executive ▁vice ▁president ▁of ▁the ▁Wood for est ▁National ▁Bank ▁in ▁ 1 9 8 9 . ▁He ▁served ▁as ▁its ▁chief ▁executive ▁officer ▁from ▁ 1 9 9 0 ▁to ▁ 2 0 1 5 , ▁and ▁as ▁its ▁chairman ▁from ▁ 2 0 0 4 ▁to ▁ 2 0 1 5 . ▁Under ▁his ▁ten ure , ▁the ▁bank ▁opened ▁ 7 2 0 ▁branches ▁in ▁Wal mart ▁stores , ▁beginning ▁in ▁Con roe , ▁Texas ▁in ▁ 1 9 9 6 . ▁He ▁also ▁o vers aw ▁the ▁dedic ation ▁of ▁ 3 7 ▁regular ▁branches . ▁From ▁Texas , ▁Mar ling ▁spread ▁the ▁bank ▁market share ▁to ▁ 1 7 ▁states . ▁In ▁ 2 0 1 0 , ▁the ▁bank ▁received ▁a ▁US $ 3 3 ▁million ▁penalty ▁from ▁federal ▁regul ators ▁for ▁" un f air ▁and ▁de cept ive ▁practices ▁involving ▁fe es ▁for ▁over d raft s ." ▁In ▁ 2 0 1 4 , ▁an ▁article ▁in ▁The ▁Wall ▁Street ▁Journal ▁explained ▁that ▁Mar ling ▁wel com ed ▁clients ▁with ▁bad ▁credit ▁and ▁that ▁ 7 8 % ▁of ▁bank ▁reven ues ▁came ▁from ▁over d raft ▁and ▁b ounced ▁check ▁fe es .