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<body background="_themes/blends/blegtext.gif" bgcolor="#FFFFFF" text="#000000" link="#993300" vlink="#0000FF" alink="#FF9900"><table border="0" cellpadding="0" cellspacing="0" width="100%"><tr><td><font face="Trebuchet MS, Arial, Helvetica"> <p align="left"><a href="https://w3app.caliber.com/pm/regdefault.asp?RDCB1374" target="_blank"><img src="_borders/top.ht1.jpg" alt="wpe1.jpg (7600 bytes)" width="723" height="75"></a><b><font color="#0000FF" face="Gill Sans" size="4"> </font><font face="Gill Sans" size="4"><span style="text-transform: uppercase">RiskAndDerivatives.com: </span>Risk Management Education Resource</font></b></p> <p align="left"><b><i><font size="2">The RDCB library is a free service for those interested in sharing ideas about derivatives and risk management issues.</font></i></b></p> <p align="left"><font color="#FFFFFF"><span style="visibility: hidden"><sup>risk</sup></span><span style="letter-spacing: -2pt"><sup><font size="1" color="#FF00FF"><span style="visibility: hidden">k  management</span> <span style="visibility: hidden">education derivatives consulting derivatives education operational risk management risk  management education derivatives consulting derivatives education operational risk management risk  management education derivatives consulting derivatives education operational risk management derivatives consulting derivatives education operational risk management risk  management education derivatives consulting derivatives education operational risk management risk  management education derivatives consulting derivatives education operational risk management derivatives consulting derivatives education operational risk management risk  management education derivatives consulting derivatives education </span></font></sup></span></font><sup><span style="letter-spacing: -2pt"><span style="visibility: hidden"><font size="1" color="#FFFFFF">anagement</font></span> <font size="1" color="#FFFFFF"><span style="visibility: hidden">education derivatives consulting derivatives education operational risk management risk  management education derivatives consulting derivatives education optional risk management risk  management education derivatives consulting derivatives education operational risk management derivatives consulting derivatives education operational risk management risk  management education derivatives consulting derivatives education operational risk management risk  management education derivatives consulting derivatives education operational risk management derivatives consulting derivatives education operational risk management risk  management education derivatives consulting derivatives education operational risk management risk  management education</span></font></span></sup><font color="#FFFFFF"><sup>vatives education derivatives education</sup></font></p> </font></td></tr></table><table border="0" cellpadding="0" cellspacing="0" width="100%"><tr><td valign="top" width="1%"><font face="Trebuchet MS, Arial, Helvetica"> <p align="right"><a href="http://www.riskandderivatives.com" target="_blank"><img align="right" border="0" src="_borders/rdcb.gif" width="105" height="65"></a> </p> <p align="right">  </p> <p align="right">  </p> <p align="right">  </p> <p align="right"><a href="default.htm"><img border="0" src="_borders/left.h9.gif" width="37" height="15"></a>  </p> <p align="right"><a href="powerpoint.htm"><img border="0" src="_borders/left.h14.gif" width="116" height="15"></a></p> <p align="right"><a href="fordham_university_school_of_law.htm"><img border="0" src="_borders/left.h12.gif" width="71" height="15"></a></p> <p align="right"><a href="for_immediate_release_new_guideb.htm"><img border="0" src="_borders/left.h13.gif" width="88" height="15"></a></p> <p align="right"><a href="libraryregistration.htm"><img border="0" src="_borders/left.h10.gif" width="82" height="15"></a>  </p> <p align="left"><span style="letter-spacing: -2pt"><font color="#FFFFFF"><sup><font size="3" face="Gill Sans">  </font>ri<font size="1" face="Trebuchet MS, Arial, Helvetica">Risk Andderivatives consulting</font></sup><font size="1" face="Trebuchet MS, Arial, Helvetica"><sup>oard, Inc. ("RDCB") provides risk managemenConsultingervices to public companies and financial institutions.  RDCB cooperates with leaders in the fields oderivativesnd risk management including regulators, academicians, and leading professionals to provide an important source of risk and derivatives consulting ervices.</sup></font><sup> derivatives consulting derivatives education operational risk management risk  management education derivatives consulting derivatives education operational risk management risk  management education derivatives consulting derivatives education operational risk management derivatives consulting derivatives education operational risk management risk  management education derivatives consulting derivatives education operational risk management risk  management education derivatives consulting derivatives education operational risk management derivatives consulting derivatives education operational risk management risk  management education derivatives consulting 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risk  management education derivatives consulting derivatives education operational risk management risk  management education derivatives consulting derivatives education operational risk management derivatives consulting derivatives education operational risk management risk  management education derivatives consulting derivatives education operational risk management risk  management education</span></font></span> <font size="1" color="#FF00FF"> <span style="visibility: hidden">education derivatives consulting derivatives education operational risk management risk  management education derivatives consulting derivatives education operational risk management risk  management education derivatives consulting derivatives education operational risk management derivatives consulting derivatives education operational risk management risk  management education derivatives consulting derivatives education operational risk management risk  management education derivatives consulting 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-2pt"><span style="visibility: hidden"><font size="1" color="#FFFFFF">risk  management</font></span> <font size="1" color="#FFFFFF"><span style="visibility: hidden">education derivatives consulting derivatives education operational risk management risk  management education derivatives consulting derivatives education operational risk management risk  management education derivatives consulting derivatives education operational risk management derivatives consulting derivatives education operational risk management risk  management education derivatives consulting derivatives education operational risk management risk  management education derivatives consulting derivatives education operational risk management derivatives consulting derivatives education operational risk management risk  management education derivatives consulting derivatives education operational risk management risk  management education</span></font></span> </sup></p> </font></td><td valign="top" 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