Mr. Meltzer has served as a member of our Board since 2000. Mr. Meltzer is President and CEO of the Seligman Group, a family owned real estate and investment company. Previously, Mr. Meltzer held leadership positions for various subsidiaries of the Seligman Group. In 1998, Mr. Meltzer began working for Seligman & Associates, Inc. as its Vice President until his promotion to President. Mr. Meltzer led the Bank's initial development of online banking and has since run the Seligman Group's management affiliate (Seligman Western Enterprises, Ltd.). Prior to Seligman, Mr. Meltzer interned at Sterling Bank and Trust, F.S.B.. Mr. Meltzer is a director of the Seligman Family Office. He is a director of both the Company and the Seligman Group. He has a BS in Finance from the University of Arizona.