Richard A. Passafiume

Capital Holdings, Inc. is a one-bank holding company located in Sylvania, Ohio. The bank offers a full set of commerical lending products and personal lending services. The bank focuses on the borrowing needs of corporate, executive and professional customers. The company till date, has incurred $200,000 for Year 2000 expenses. Interest and fees on loans accounted for 78% of 1999 revenues; other interest income, 19% and non-interest income, 3%.

Founded in 2000, Transamerica Investment Management LLC is a registered investment advisor located in Los Angeles with additional offices in San Francisco and Dayton, Ohio. The firm is a of Transamerica Corp. and their ultimate parent is AEGON NV (NYSE: AEG), a multinational insurance organization headquartered in The Hague, The Netherlands. Transamerica Investment Management provides fee-based investment management to retail and institutional clients. Their institutional clients include corporations, foundations, endowments, hospitals, religious organizations, public funds and Taft-Hartley accounts. The firm also manages 22 mutual funds.

AEGON USA LLC provided insurance brokerage services. The company is headquartered in Cedar Rapids, IA.

Granite Investment Partners LLC (Granite) is an independent, SEC-registered investment advisor and wealth management firm headquartered in El Segundo, California. Granite was founded in 2009 and offers investment advisory services to institutional clients which include employee benefit plans, foundations, endowment, government entities and private funds well as high-net-worth individuals.