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Mr. Carvalho, Executive Vice President of Newtek Information Systems, has an impressive background in the financial services industry. Mr. Carvalho most recently worked in group acquisition and account management for a Fortune 100 company and has worked for several Fortune 500 companies during his 15 year career. He is both a Certified Financial PlannerTM, Chartered Financial ConsultantTM and has impressive financial management, insurance and securities experience. His diverse background includes positions in project management in the educational sector as well. He has conducted numerous public seminars and taught various classes on a wide range of topics. Mr. Carvalho has served on various boards of professional, civic and service organizations as well as chambers of commerce. | 