I am honored to give back and pitch in to preserve and improve our community.

My wife and I have an herbal medicine practice in Vero Beach, which brings wellness to clients through whole foods, supplements and herbal medicine. We both have a Masters of Science degree in Herbal Medicine, and see a wide variety of clients, focusing on the concept of treating the body, so it can mend and defend itself.

Managing all facets of voluntary liquidation of $100 million asset Edge Act bank for the Central Bank of Jordan.Repaid 100% of depositors and creditors in full by successful collection of loans.• Reduced operating expenses by cutting staff, changing premises, shrinking computer systems, lowering banking services. and selling assets.• Managed delicate relationships between Central Bank of Jordan, and the Federal Reserverelating to the liquidation of PIBC and the parent caused by initial heavy loan losses. • Coordinated legal work in regard to collection activity in 8 countries, with 12 law firms.

Biotech startup company, whose goal is to develop gene therapy which cures prostrate, breast, and brain cancer. Functioned as CFO, and Chief Administrative Officer, assisting in raising money, planning, and accounting. Initial funding was $10 million.

Accredited graduate school giving masters degrees in Acupuncture and Herbal Medicine, functioned as CFO, upgrading accounting systems, software, staffing, reporting and budgeting. Main emphasis was to accomplish breakeven operations, and secure long term financing for campus, allowing donations to build endowment rather than fund operations. Excellent school, strong curriculum, great reputation, 25 years old.

Transferring technology from NASA, EPA, SBA, and DOE SBIR grantees to the private sector• Understanding the technology available.• Establish which technologies have commercial applications of merit.• Find markets, licensees, partners, or funding for strategies developed for technologies.

• Raised $5 million for corporate startup. Developed cost effective prototype center with optimum layout, equipment and staffing to break-even at 24 patients per day (industry average is 32) . Resulted in increasing profits at existing patient numbers.• Increased profitability through revenue enhancement. Sold pharmaceuticals on site, and accepted commercial insurance as form of payment, which allowed corporation to raise prices, without patient exodus.• Purchased Humana's 66 unit primary care division for $34 million; sale/leaseback $24 million in real estate, $8 million loan from seller, and $3 million in new venture capital. Resulted in company becoming the largest primary care provider in the USA.• Converted center acquired from Humana to prototype's cost effective style by dramatically reducing staff in each center, consolidating all computer insurance claims into one system, and inaugurating sales of pharmaceuticals at all centers. Decreased operating expenses of acquired division by nearly $4 million annually.• Developed and directed state-of-the-art cash management procedures, central medical insurance claims, general ledger and profit and loss for a nine state, 74 location organization through on line computer network.

• Setup Africa/Middle East Division of major U.S. bank by performing economic/political risk studies on 67 countries in the area, making loans of $30 million, and established correspondent bank network. Completed contract by turning over established, profitable division.• Served as member of team placing new accounting/MIS/controls/budgeting into $120 million construction company growing at a rate of 76% per year.• Served as member of team advising the Government of Zimbabwe feasibility of building a $450 million sugar-ethanol plant given a range of sugar prices.

• Opened and managed full commercial branch of Chase Bank in Jordan. Identified main growth constraint as funding, therefore concentrated marketing and training of key individuals to address new sources of deposits and funding techniques. Resulted in branch being able to make approximately $15 million in loans and break-even in six months, three and one half years ahead of projections. (1975-1976)• Member of a team of Chase officers working at Tokyo Japan Branch, which managed over $350 million loans to Multi-national, US and Japanese corporations. Branch profits of $3 million per month were 60% of corporation's annual profit. (1974-1976)• Managed retail branch of Chase Singapore which had first drive-in window in Asia. Position was the last part of four year rotational training program which included time in letter of credit, foreign exchange, collection, and lending areas of the bank. (1969-1974)• Successfully completed twelve month management training program in New York, which is generally considered to be the equivalent to a Masters in Finance. (1968-1969)