Bernhard Koepp Senior Portfolio Manager, Managing Director Bernhard Koepp Senior Portfolio Manager, Managing Director Terry Gardner Portfolio Manager and Investment Advisor Terry Gardner Portfolio Manager and Investment Advisor James E. Moltz Chairman Emeritus James E. Moltz Chairman Emeritus Bruce W. Benedict Senior Managing Director Bruce W. Benedict Senior Managing Director Meredith El Nems Operations Director and Relationship Manager Meredith El Nems Operations Director and Relationship Manager Carlos Zavala Relationship Manager Carlos Zavala Relationship Manager