Carlos A. Migoya has served as a Director of the Company since June 2006 and is a member of the Board's Audit Committee, Corporate Governance and Nominating Committee, Compensation Committee and chairs its Executive Compensation Subcommittee.  Since February 2010, Mr. Migoya has served as City Manager for the City of Miami.  He formerly served as Regional President -North Carolina of Wachovia Corporation, a Wells Fargo Company from December 2007 until May 2009.  From June 2006 until December 2007, Mr. Migoya served as State CEO for the Atlantic Region of Wachovia Corporation.  In that position, Mr. Migoya had responsibility for Wachovia’s general banking businesses in New Jersey, Connecticut and New York.  From 1987 until 2006, Mr. Migoya served as Regional President - Dade and Monroe Counties of Wachovia Corporation, with responsibility for Wachovia’s general banking businesses in the region.  Mr. Migoya has more than 35 years of experience in banking.