Michael Yorba

Mr. Yorba has been integrally involved in the investment industry for the past 27 years. His family has been in the commodities industry as producers and traders since 1769. His various capacities have included Corporate Finance, Exempt CTA, Futures, FX, and Securities trading.

Mr. Yorba’s Licenses in the past have included a #4 Registered Options Principal, #39 Direct Participation Principal, #30 Futures Branch Manager #7 General Securities Broker, #63 Ethics, #22 Direct Participation Broker, #3 Registered Commodity Broker, Real estate License and Life and Health. He has developed Marketing strategies and National product roll out for Commercial and Retail clients ranging from strategic alliances of fortune 100 corporations to point of sale at the retail level. His focus now is Derivative portfolio analysis and structure.

Tony Cherniawski

Personal: Born August 9, 1950 in Caro, Michigan. The eldest of 14 children, all surviving to the present. Married to Suzanne since August 26, 1972 Father of 7 children, 2 daughters-in-law and 2 grandsons

Education: Michigan State University, East Lansing, MI B.A. Communication Arts / Secondary Education, 1972

Professional Designations: Chartered Life Underwriter (CLU) 1981 Chartered Financial Consultant (ChFC) 1983 Licensed Insurance Counselor, Michigan Life and Health Insurance License, Michigan NASD, Inc. Series 7 and 63 (currently inactive) Investment Advisor Representative of The Practical Investor, LLC

Business Associations: Flexible Plan Investments, Ltd., Bloomfield Hills, MI, Portfolio Manager 10/01 – 02/03 Sigma Financial Corporation, Member NASD, Ann Arbor, MI, Registered Representative 01/96 – 12/06 Principal Life Insurance Company, Des Moines, IA, Senior Agent, 09/76 – Present The Practical Investor, LLC, Holt, MI, President and CIO 10/01 – Present

Professional Organizations: Society of Financial Service Professionals Financial Planning Association Other Activities and Affiliations: Tony Cherniawski is primarily focused on the delivery of investment advisory services. A free weekly newsletter is available to all clients and interested parties. Tony is a regular guest speaker on several radio programs and speaks on topics relating to investments and market news. He has hosted his own radio program called, “Let’s get Practical” through 2006 in the Mid-Michigan market area. Tony has contributed articles to the Greater Lansing Business Monthly and has his weekly newsletter published at www.financialsense.com and at www.marketoracle.co.uk.

Jeanette Schwarz Young

Jeanette Schwarz Young, CFP, CMT, earned her Bachelor's and Master's Degrees at Adelphi University. As a member of the New York Board of Trade, she is an active member of the floor, options settlement, membership and member benefit committee. She began her career in the brokerage business in 1981 and she is a holder of 10 NASD Licenses. Her experience runs the gamut from floor executions, hedging, even extending to the back office (having run a self-clearing firm). Her Market Letter, The Option Queen Letter, is published, from time to time, in Barron's Magazine and .... Just released, Jeanette's first book: THE OPTIONS DOCTOR published by John Wiley & Sons, Inc.

John Netto

John Netto is President of One Shot - One Kill Trading, LLC and Principal in Triple Witch Metals Management, LLC, a hedge fund focused on trading stocks, futures, options, and currencies relating to precious metals. He is the author of "One Shot - One Kill Trading: Precision Trading through the Use of Technical Analysis (McGraw-Hill, 2004). John has melded the discipline and patience acquired during his nine years in the US Marine Corps with a sophisticated trading strategy. Along with being a hedge fund manager, author, and educator, John spends a great deal of his free time in pursuit of his ancillary interests next to the market, poker and sports handicapping. He appears regularly on both Las Vegas and national radio discussing the points of the market and gaming. John lives in Las Vegas and San Francisco. He is a regular speaker at investment and trading conferences, both in the US and internationally. John speaks, reads, and writes Japanese and Chinese. John posts written and audio blogs at his web site, www.osoktrading.com, on all of the aforementioned topics.