Patrick Fallon joined our board of directors in June 2013 following the completion of the private placement. Mr. Fallon is a leading banking executive with extensive experience providing financial services for leading corporations. Mr. Fallon is currently a consultant to Northfield Bank. From 2009 to 2012, Mr. Fallon was a founder and President-Commercial Markets for First National Bank of New York. From 1973 to 2009, Mr. Fallon was a senior banker for JPMorgan Chase, where he served as Senior Vice President & Managing Director from 1991 to 2009 and was a regional head of banking relationships.