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Lauren Camner, CPA has served as one of our directors since August 23, 2004 and as director of the Bank since May 19, 2004. Ms. Camner was promoted to Senior Vice President, Investor Relations and Alternative Delivery Channels, in November 2004, and previously served as our Vice President, Investor Relations from 2001 to November 2004 and as our Vice President, Website Manager from 2000 to 2004. She has served as our Corporate Communications Officer since 2002. She has also served in various capacities in our marketing department since 1999. Ms. Camner is a Certified Public Accountant and has a Masters in Business Administration from the University of Miami School of Business Administration. She is the daughter of our Chairman and Chief Executive Officer, Alfred R. Camner. | 