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D. Gideon Cohen age 36 has been the Chairman of the Company and Chairman of the Company’s Executive Committee of the Board of Directors since its inception in 1999. From 1999 to September 2000 he served as the Company’s Chief Executive Officer. Mr. Cohen is Vice-Chairman of the Bank’s Board of Directors and Chairman of its Executive Committee. He had previously been Chairman of the Bank’s Board of Directors from September 2000 to November 2003 and from July 2000 to September 2000 had been the Bank’s Chief Executive Officer. Mr. Cohen has been the Chief Executive Officer of Cohen Brothers Financial LLC and its subsidiary Cohen Bros. & Company an investment banking and securities brokerage firm (together Cohen Bros.) since September 2001. From 1995 until September 2000 Mr. Cohen held senior executive positions with Resource America Inc. a publicly-held proprietary asset management company in the financial services realestate and equipment leasing sectors. Mr. Cohen is also a director and Chairman of the Board of TRM Corporation a publicly-held provider of public access ATM and copier machines (TRM). | 