Citicorp

Alison Sommers has a broad corporate background holding senior financial and general management positions, such as Chief Financial Officer, Vice President of Operations and Chief Operating Officer, at companies including The Travelers, Baxter, Citicorp and Pitney Bowes. Her corporate background is complemented by extensive entrepreneurial experiences in her years as President and Chief Executive Officer of Carveth Porter Associates, a full-service business consulting firm specializing in acquisitions, joint ventures and turnarounds. Alison has a bachelor's degree in Political Science and Economics from The University of Connecticut, graduating Summa Cum Laude and Phi Beta Kappa. She has a Masters in Business Administration from New York University with a concentration in Finance, graduating with distinction. Alison is currently finishing her first book, a collection of humorous stories from both her personal and professional life.

Albert Haddad is a recently retired Executive Director of Citicorp. During his 15 years there, he became a treasurer of the Global Cash Management Services Division and developed portfolio management strategies to maximize float return while eliminating interest rate risk on a $6 billion+ pool. He also established the FX desk in New York, resulting in FX customer service desks in London and Singapore. Mr. Haddad's focus with Lodge is new product development, operational systems, and revenue enhancement initiatives. He also directs Lodge's pending plan to establish an offshore product, utilizing his extensive banking contacts worldwide. Mr. Haddad holds a masters of business administration degree from Farleigh Dickinson University.

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Ron Crowin is the Senior Advisor for Business Development at Integre Advisors. He brings over 35 years of industry experience. He has held senior executive positions at Citicorp (in the US and in Europe), the American Stock Exchange, and NatWest Bancorp. He holds a PhD and MS from Syracuse University and a BS from the University of Wisconsin.

Hamid Biglari is currently Chief Operating Officer of the Institutional Client Group of Citigroup, which represents Citigroup's global investment banking and trading business. Institutional Clients Group is a business with more than $1 trillion in assets and operations in 140 countries. Prior to his current role, Dr. Biglari was the Global Head of Investment Banking for Financial Institutions in Citigroup. In this role, he advised chief executives of the world's leading financial institutions in North America, Europe, and Asia on their strategy, mergers and acquisitions, and capital-raising needs. Previous to that, he was Head of Corporate Strategy and a member of the Management Committee at Citigroup, jointly reporting to Messrs. Sanford I. Weill and Robert E. Rubin. In that seat, he worked with the senior management of Citigroup on all major group-wide strategic, corporate governance, organizational structure, and risk management decisions. Prior to joining Citigroup in 2000, Dr. Biglari was a partner at McKinsey & Company, the international management consulting firm, where he co-led the Firm's global financial institutions consulting practice. His experience base spans the entire spectrum of consumer and wholesale financial services. Prior to that, Dr. Biglari was a theoretical research physicist with rank of Associate Professor at Princeton University's Plasma Physics Laboratory, the nation's leading center for controlled thermonuclear fusion research. Dr. Biglari is a member of the Council on Foreign Relations. He is also a member of the Board of Trustees of Trinity School in New York City. Dr. Biglari holds Ph.D. and M.S. degrees in Astrophysical Sciences from Princeton University. Prior to that, he received a B.S. in Applied Physics and a B.A. in Mathematics from Cornell University, both with Distinction.

Onno Ruding is a Vice Chairman of Citicorp and its principal subsidiary Citibank. He is responsible for corporate and investment banking activities in North America, Europe and Japan. He received his Master of Arts degree in economics in 1964 and his PhD in 1969, both from the Erasmus University, Rotterdam He served as chairman of AMRO International Ltd. From 1982 to 1989 he was Minister of Finance of the Netherlands. From 1990 until 1992, Dr. Ruding was chairman of the Netherlands Christian Federation of Employers (NCW) in The Hague. He also chaired the Committee of Indepedent Experts on Company Taxation, which published its report in 1992.