Nerheim International, Inc.

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PRIVATE BANKING & INVESTMENT PARTNERS

Lawrence E. Nerheim
Chairman of the Board

Attorney at Law

Formerly, Executive Vice President, Founder and Chairman, BANK OF AMERICA INTERNATIONAL TRUST & PRIVATE BANKING - - offices in London, Zurich, Gilbratar, Luxembourg, Channel Islands, the Bahamas, Cayman Islands, and Hong Kong

Formerly, GENERAL COUNSEL, U.S. Securities & Exchange Commission, Washington, D.C.; the chief legal officer of the S.E.C.

University of Minnesota Law School, cum laude, Order of the Coif, Law Review

Formerly, corporate and securities attorney, Minneapolis, specializing in mergers, acquisitions, public offerings, banking and real estate.

Formerly, Senior Vice President and then Executive Vice President, Bank of America; executive officer of all non-banking subsidiaries, including two real estate acquisition and management companies.

Graduate, Harvard University Graduate School of Business ADVANCED MANAGEMENT PROGRAM (AMP 80)

Purchased European-American Securities, Inc., a private merchant bank in 1982; changed name to Nerheim International, Inc. 1986

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Charles Vaughan Johnson
International Private Banker

Formerly, Vice Chairman, Bank of America International Trust & Private Banking

Formerly, President and Chief Executive Officer, The Bank of Bermuda, Hamilton, Bermuda

Presently, Deputy Chairman, Duncan Lawrie Limited, London, private bankers

Fellow of the Chartered Institute of Bankers (FCIB)

Director and Chief Executive Officer, Retfin Bermuda Ltd., Bermuda;

Director, William R. Storie & Co. Ltd., Bermuda;

Director, Camellia Plc, London

Thirty-five years of uninterrupted management experience in the fields of international trust and international private banking

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Charles Vaughan Johnson
Dr. H. Robert Heller
H. Robert Heller
Limited Partner

International Economist and Banker

Former GOVERNOR, U.S. FEDERAL RESERVE BOARD, Washington, D.C.;
Governor responsible for overall management of the Federal Reserve Board and Chairman of its Committee on Bank Supervision and Regulation

Former President and Chief Executive Officer, VISA USA, the world's largest retail card payments system

Most recently Director and Executive Vice President of Fair, Isaac & Co., the world's leading credit scoring system.

Distinquished career in business, banking, finance, government and education.

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The Earl (Garret) Cowley
Limited Partner

International Investment Manager

Member of British HOUSE OF LORDS (1981-99)

Senior Investment partner, Thos. R. Miller & Son, Isle of Man, United Kingdom, major property and marine insurance;

Chief Executive Officer, Thomas Miller Investment Ltd.

Managing Diretor, Bank of America International Investment Management, London

Group Vice President, Bank of America Investment Management Corp., San Francisco

Director, Scottish Provident International Life Assurance Ltd; Chairman of Audit Committee

Director, The Protected Asset TEP Fund, London

Member, Investment Committee, Duncan Lawrie Limited, London

Director of British, Bahamian and Greek/Liberian companies

Harvard University Graduate School of Business, Master of Business Administration

University of Southern California B.A. in Finance

Substantial investment banking accomplishments in iternational mutual funds, public offerings, and bank acquisitions

Forty years of hands-on international investment management, from San Francisco, Los Angeles, London, the Isle of Man

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To reach our Private Banking and Investment Principals, go to "Contact Us."

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The Earl (Garret) Cowley, Limited Partner

Birgit Kolb Nerheim

Managing Director