Alfonso Lau. Mr. Lau is a retired banking executive who was the founding President of First American International Corp. and First American International Bank (“FAIB”), where he served for 15 years and which the Company acquired on October 15, 2018. Prior to FAIB, Mr. Lau worked at Citibank and Capital One Bank. He is extremely knowledgeable in all areas of banking, with a deep understanding in mortgage banking. Mr. Lau is a trustee of the National Community Investment Fund, a non-profit equity trust fund created to invest in banks and other financial institutions that are community development financial institutions. Mr. Lau holds a B.S. and M.B.A from Columbia University. He is also a member Rotary International. Our Board considered Mr. Lau’s significant banking experience, particularly mortgage banking, and his ability to understand complicated financial statements in determining that he should be a member of our Board.