Joseph H. Grunwald

Joseph H.
Grunwald has been member of our board of directors since January 21, 2003.
He has been involved in the banking industry for over 15 years.
He is currently a Senior Vice President with Safra Bank, New York, NY where he is Director of Domestic Business Development.
Mr. Grunwald received a B.A.
in Economics (1983) from the City University of New York and an M.B.A.
from Long Island University (1986).
Joseph Grunwald is a member of the audit committee of our board of directors.