now the Division of Trading and Markets) at the Office of Financial Responsibility Risk Management and Control. Mr. Schwartz received his J.D. from the University of Maryland School of Law. He is also a Certified Public Accountant. The accompanying footnotes and disclaimers at the end of the presentation are an integral part of this p

d also serves as a board member of Iridium Communications Inc. Mr. Krongard graduated with honors from Princeton University and received a J.D. from the University of Maryland School of Law, where he also graduated with honors. Mr. Krongard also serves as the Vice-Chair of the Johns Hopkins Health System. Mr. Krongards comprehensive cor