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Piardip Joe Johal, age 40 and a resident of Fremont, California, is a director of the Bank. Mr. Johal is an owner-operator of Wendy’s franchises, growing a single unit started in 1999 to 27 units in less than six years. Mr. Johal has been a resident of the East Bay for the last 25 years and was employed by Hewlett Packard from 1983 to 2003 as an Engineering Manager. | 