LOCATIONS Management Michael E. Golden Chairman, Chief Executive Officer & President (Bio) Robert Nichols President of the Executive Committee & Chief Financial Officer (Bio) Robert Garrett Executive Vice-President, Chief Lending Officer (Bio) Alfredo Barreiro Executive Vice-President & Chief Operating Officer (Bio) William T. Ross Executive Vice-President, Retail Sales & Service (Bio) Eduardo Granda Executive Vice-President & Chief Compliance Officer (Bio) Michael E. Golden Chairman, Chief Executive Officer & President Mr. Golden has been our director since March 2002 and President and Chief Executive Officer since June 2002. He also has been Chairman of the Board and Chief Executive Officer of First Citizens Bank since August 2005 and its President since January 2007 . He has been in the investment banking/securities business for over 25 years. He was a Senior Vice President in sales and management at Smith Barney from 1979 to 1989. In 1989, he founded a securities firm, First Colonial Securities Group, which grew nationwide to 25 offices and 200 retail brokers specializing in asset management and investment banking. Mr. Golden worked at First Colonial Securities Group until March 2001 and acted as a private investor from March 2001 until April 2002 and as a private securities broker from April to June 2002. He also has been on the board of directors of other banks and industrial companies. He is currently Chairman of the Kid Academy, a child-learning center that he founded in 1987. He is a graduate of Temple University and earned a Bachelor of Arts degree, majoring in Accounting and Economics.(top) Robert Nichols President of the Executive Committee & Chief Financial Officer Mr. Nichols has been the Chief Financial Officer of our Company since April 2004 and the Secretary since January 2007. He also has been the Chief Financial Officer of First Citizens Bank since April 2004 and President of its Executive Committee since June 2005. He was the Chief Financial Officer for the Private Banking business in the United States for the Royal Bank of Canada in Miami, Florida from September 2002 to April 2004 and also developed an Investment Advisory business for the Royal Bank of Canada since he relocated to Miami, Florida in 1997. He was the Managing Director of the Royal Bank of Canada's International Investment Management and Trust business in Barbados from 1991 to 1997. He managed a Branch Audit function and then the Corporate Accounting department of Royal Trust from 1986 to 1991. He spent five years in public accounting with Ernst & Young LLP in Canada. He is a graduate of the University of Toronto where he received a Bachelor's of Commerce Degree. He earned a Chartered Accountant (Canada) designation in 1984. (top) Robert Garrett Executive Vice-President, Chief Lending Officer Mr. Garrett has been an Executive Vice President since June 2005 and the Chief Lending Officer of First Citizens Bank since 2000. He was the Vice President of Commercial Lending for Intercontinental Bank, Totalbank and Eastern National Bank in Miami, Florida. He started his banking career with Commercial Bank & Trust Company in Miami, Florida in 1980. He received a Commercial Lending Diploma from the American Institute of Banking and is a graduate of Florida International University where he received a Bachelor's in Arts Degree in Finance. (top) Alfredo Barreiro Executive Vice-President & Chief Operating Officer Mr. Barreiro has been the Chief Operating Officer of our Company since June 2004 and an Executive Vice President of First Citizens Bank since June 2005 and the Chief Operating Officer of First Citizens Bank since 2003. He was the Chief Financial Officer and Controller of our Company and First Citizens Bank from 2002 to 2003. He was the Chief Financial Officer of Union Credit Bank in Miami, Florida from 2001 to 2002. He was the Vice President and Controller of Sofisa Bank of Florida from 1999 to 2001. He was the Controller of Florida International Bank from 1997 to 1999 and the Assistant Controller from 1995 to 1997. He started his banking career with Banco Latino International as an Accounting Assistant and Assistant Treasurer. He is a graduate of Florida International University where he received a Bachelor's of Business Administration Degree in Finance and Miami Dade Community College where he received an Associate of Arts Degree in Economics.(top) William T. Ross Executive Vice-President, Retail Sales & Service Mr. Ross has been the Executive Vice President, Sales and Service of First Citizens Bank since June 2005. From February 2005 to June 2005, Mr. Ross was Vice President, Sales and Service of First Citizens Bank. He has been in the financial services industry for over 31 years. He was a market executive for RBC Centura Bank from July 2003 to January 2005. He was a Senior Manager in sales and service management for Bank of Montreal and Harris Trust from January 1975 to June 2003. In 1997, he assumed responsibility for coordinating the expansion efforts of Bank of Montreal/Harris Bank in the Florida market. (top) Eduardo Granda Executive Vice-President & Chief Compliance Officer Mr. Granda 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. (top)

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