Michael J. Hartzmark

MICHAEL J. HARTZMARK joined the Company as a full-time employee in May
1993 and has served as its President and Chief Executive Officer since
June 4, 1993, and as a director since January 1, 1993. Prior to joining
the Company, Dr. Hartzmark was an economic consultant (as President of
EconOhio Corporation) and a financial consultant (as President of MDA
Financial, Inc.) EconOhio wrote business plans for and provided advice
to a variety of companies. MDA provided financial consulting services to
small and medium-sized companies, as well as assistance to oil and gas
and real estate limited partnerships. From 1987-1989, Dr. Hartzmark was
Senior Economist at Lexecon, Inc., a Chicago-based economics and law
consulting firm. Dr. Hartzmark was the John M. Olin Visiting Scholar at
the University of Chicago and an Assistant Professor at the University
of Michigan. He has also worked for the Treasury Department and the
Commodity Futures Trading Commission. Dr. Hartzmark earned his M.A. and
Ph.D degrees in economics at the University of Chicago. He holds a B.A.
in economics from the University of Michigan.