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Mr. Granda, age 46, has been the Chief Compliance Officer of our Company since December 2005 and an Executive Vice President since January 2009. Prior to joining the Company, he was the Vice President / Compliance Manager of Banco Internacional de Costa Rica; Miami Agency from July 2000 through November 2005. Additionally, he has prior experience as a member of the Supervision & Regulation (Safety & Soundness Examination staff) Department of the Federal Reserve Bank of Atlanta; Miami Branch from 1998 to 2000, and as a Compliance Officer with HSBC; Miami, Florida from 1994 to 1998. He is a graduate of Florida International University, where he received a Bachelor's of Business Administration Degree in Finance & Management. | 