For more than 10 years, Mr. Cacciamatta was the Chief Executive Officer of Cacciamatta Accountancy Corporation, a PCAOB registered independent public accounting firm at which he directed the independent audits of several SEC reporting public companies. Previously, Mr. Cacciamatta served for 16 years in various positions with KPMG Peat Marwick focusing on public accounting and the banking Industry. Since May 2001, Mr. Cacciamatta has served as a member of the Board of Directors of California First National Bank, where he also serves as chair of the Audit Committee. Mr. Cacciamatta qualifies as an audit committee financial expert under SEC rules and regulations.