Steven C. Delaney

STEVEN C. DELANEY, Vice President, joined Ryan Beck & Co. in January
2003 with 25 years of banking and securities industry experience. Most
recently, he served as President of BB&T Capital Markets, a division of
NYSE-member firm Scott & Stringfellow, Inc. Mr. DeLaney joined Scott &
Stringfellow in 1991 and served as Chief Financial Officer prior to
assuming responsibility for all capital markets activities in 1996.
Before entering the securities industry, he spent 15 years with
Investors Financial Corporation, a diversified thrift holding company,
where he served as Chief Financial Officer and as President and Chief
Administrative Officer. He has a BA in Economics with distinction from
the University of Virginia, and an MBA, Finance concentration, from the
University of Richmond. He also earned a Post-Baccalaureate Certificate
in Accounting from Virginia Commonwealth University. His professional
licenses include NASD Series 7, Series 9/10, Series 24, Series 27 and
Series 63.

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August 16, 2004