Ms. Furlong is a Vice President at The Kafafian Group, Inc. She is responsible for implementing and processing client specific profitability models.

She has more than 20 years experience in the financial services industry. In her position as Cost Accounting Manager at Provident Bank in Montebello, NY, she set up and maintained the bank's profitability model. She has been the Servicing Manager at a number of institutions where she successfully streamlined loan servicing operations, increasing efficiency and improved customer service. She has also been an Investor Reporting Manager where she created policies and procedures for reporting to the secondary market agencies.

She received a bachelor's degree in Mathematics from Jersey City State College and a master's degree in Management from New Jersey Institute of Technology.

Mr. Sassaman is Vice President of The Kafafian Group, Inc. He is responsible for the analytical functions of the strategic planning and investment banking areas. His main activities are earnings projections, capital planning, accretion/dilution analysis for merger and acquisition transactions as well as participating in strategic planning engagements.

In addition to analytical functions, he also performs numerous technology-related functions, including database administration and the development of Web-based applications such as surveys.

Prior to joining the strategic and investment banking area, Mr. Sassaman was responsible for processing profitability models for several multi-billion dollar community banks and thrifts. His specialties include funds transfer pricing and activity-based costing.

Before joining TKG in 1999 (then part of Tucker Anthony Sutro Capital Markets, which is now part of RBC Capital markets), Mr. Sassaman worked at Univest Corp. of Pennsylvania as a business planning analyst, developing and implementing a product, organizational and customer profitability system in addition to processing the budget.

Mr. Sassaman received a Master's degree in Business Administration with a concentration in finance in 1999 as well as a Master's degree in International Affairs from the University of Pittsburgh in 1993. He completed his bachelor's degree at the University of Delaware in 1991. He is a member of AMIfs.

Mr. Murray is Vice President of The Kafafian Group, Inc. His responsibilities include implementation and processing of client-specific profitability models.

He has over 20 years of financial industry experience. He spent 15 years with Vermont National Bank (now Chittenden Bank) as a Vice President & Investment Officer. His primary duties included the management of the bank and holding company investment portfolios, the bank’s asset/liability and interest rate risk models and the management of the bank’s daily liquidity position. He was also an account executive with Tucker Anthony Sutro Capital Markets (now RBC Capital Markets).

He earned a bachelor of science degree in Business Administration/Economics from Trinity College in Burlington, Vermont. Steve’s professional education includes the AMIfs Institute, American Bankers Association’s Graduate & National Schools of Bank Investments & Funds Management, New England School of Banking and NASD Series 7 and 63. Mr. Murray served for five years in the United States Air Force Security Police. He is currently a 1st Lieutenant in the U.S. Air Force Auxiliary Civil Air Patrol. He is a qualified Ground Search and Rescue Team Leader.

Mr. Sanders is Managing Director of The Kafafian Group, Inc. and has participated in various operations/systems consulting and strategic planning engagements over the past several years. He has over 35 years of consulting experience in Community and Regional Banks. He has managed the evaluation and selection of both hardware and software for more than 15 financial institutions including developing RFP requirements, evaluation criteria, and negotiating final contracts. Mr. Sanders’ experience spans from microcomputer to mainframe management and application software including utilizing various Financial Profitability Software. In addition, he has extensive experience in Trust Operations, identifying cost savings and revenue enhancements for clients.

Mr. Sanders was a Senior Vice President, responsible for new product development, operations, marketing and sales, at Financial Information, Inc., which provided daily information on corporate reorganizations, called bonds, put options and warrants to over 2,000 banks and broker/dealers worldwide. Revenues and net income doubled during his three-year tenure. Mr. Sanders was also Chairman of Brown, Sanders & Associates, Inc., where he concentrated efforts on trust cost accounting profitability software and security operations and implemented software in over 200 banks. He was also President of System Consultants Group, a consulting and software company. He worked for KPMG’s management consulting department for seven years and was responsible for their financial institutions consulting practice for the Southeastern United States. He was previously associated with IBM as a Systems Engineer.

As a U.S. Army Airborne/Ranger Captain, he served two tours of duty in Vietnam as an advisor to the only Vietnamese Airborne Division. He was awarded the Bronze Star, Air Medal, Army Commendation Medal, Vietnamese Cross of Gallantry, and Vietnamese Jump Wings as well as five other medals.

Mr. Sanders is a Certified Public Accountant and graduate of Bucknell University. He has attended numerous IBM management and programming schools and researched, developed and taught the only KPMG consulting class using audit related software.

Mr. Swanson is Senior Vice President of The Kafafian Group, Inc. His specialties include building client-specific performance measurement models, funds transfer pricing methodologies, processing and analyzing client profitability results and special consulting engagements.

He has over 17 years experience in the banking industry. Prior to joining TKG and its predecessor companies, Mr. Swanson spent 12 years with Ramapo Financial Corporation (now Valley National Bank). At Ramapo he had various managerial and analytical responsibilities including asset/liability reporting, product and organizational profitability modeling and residential mortgage and residential mortgage servicing valuation for the purpose of risk management, financial reporting and purchases or sales. Prior to joining Ramapo, Mr. Swanson worked for companies in the service and manufacturing industries including a frozen food packing company where, along with his other duties, he was responsible for maintaining a batch level product profitability system.

Mr. Swanson is a graduate of Allegheny College and has received an MBA in finance from Rutgers University Graduate School of Management.