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            The management of CIS 
            is composed of: 
             
               Khalil 
            N. Kikano 
               Ghassan 
            J. Geagea 
               Thierry 
            A. Depolla 
             
             
               Khalil 
            N. Kikano, Chairman of CIS, is a former Vice President 
            Lending Europe of the Royal Bank of Canada, based in London. 
             
            A certified public accountant, Kikano spent over 26 years with  
            the Royal Bank of Canada as an executive with responsibility  
            for Europe, the Middle East, and Africa. 
             
             
               Ghassan 
            J. Geagea is Vice Chairman and General Manager of CIS. 
            He earned a BA in International Economics from the London School of 
            Economics and an MBA in Finance & Management from Wharton School 
            of Finance at the University of Pennsylvania. Geagea worked for Banque 
            Arabe et Internationale d'Investissement (BAII) in Paris for 10 years 
            as a Senior Fund Manager. 
             
             
               Thierry 
            A. Depolla, Manager Treasury and Financial Markets. He 
            holds a BA in Economics from Concordia University, Montreal, Canada 
            and an MBA in Finance and International Business from McGill University, 
            Montreal, Canada. Depolla worked for the National Bank of Canada in 
            Montreal for 3 years as a Financial Analyst and for Credit Lyonnais 
            Liban s.a.l. in Beirut for 3 years as Assistant Treasurer. 
             
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