|   J. 
                Gerald Combs, Business Advisor 
              Combs is a financial professional with over 
                25 years experience in debt restructurings, corporate reorganizations, 
                private placements and public offerings. In addition, he has been 
                the CEO of both public and private companies, from start-ups to 
                seasoned operations. Gerry has assisted clients in all phases 
                of business development from business plan to IPO. His experience 
                spans a wide range of companies from manufacturing and distribution 
                to software and high tech. 
              Since 1985, Gerry has been Chairman and CEO 
                of Merrico Corporation, a privately held financial consulting 
                firm. Prior to that, Gerry was with Salomon Brothers' Corporate 
                Finance department, where he led teams in both mergers & acquisitions 
                and private placements. Gerry holds a Doctor of Jurisprudence 
                from St. Louis University and a Bachelor of Arts from Northwestern 
                University. 
                
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