Keith Novitz Citibank Commercial Banking Group Keith Novitz is a Vice President of Citibank's Commercial Banking Group, specializing in management of a portfolio of commercial banking relationships. He has over 16 years of banking experience in relationship management, corporate finance, loan syndications and portfolio management with Fortune 500 companies to small businesses addressing banking needs, including lending, cash management, leasing, foreign exchange, interest rate derivatives and trade finance. Keith has been with Citibank for 10 years, including the EAB acquisition in 2001. Prior to joining Citi, Keith worked in various business banking positions with Chase Manhattan Bank. Keith is a graduate of the State University of New York at Oneonta, where he received a Bachelor of Science in Business Economics. Keith received his M.B.A. in Finance at Adelphi University. Keith Novitz Senior Vice President Citi Commercial Bank 1 RexCorp Plaza Uniondale, NY 11556 516-296-5343 (office) 516-960-9476 (FAX) keith.novitz@citi.com