Okay, let’s tackle this. So Jack has 13 years of experience in banking, which is a solid foundation. His skills in commercial lending, sales, and strategic planning are in demand. However, his current role as Vice President at Mutual of Omaha Bank might not command the highest rates. Considering his experience and skills, I'd estimate his hourly rate to be around $125, which is slightly below the national average for banking professionals with similar experience. This rate is also influenced by his location in Fremont, California, which is a relatively high-cost area. To be on the safe side, I've rounded down to $125.