Site designed and maintained by CALSYSTECH (CST) © Copyright 2012  All rights reserved Over 42 years in banking and financial experience 31 yrs with the 3rd largest banking institution HSBC Achievements and awards: • #1 Northern California Senior Account Executive 2005 • 12 President's Awards • National Presidential Award #19 in U.S. 2004 • National Presidential Award #20 in U.S. 2005 • Circle of Excellence Award 2004