A.J. & C. Garfunkel and its subsidiaries are prime borrowers. Between 1999 and 2000, A.J. & C. Garfunkel and its subsidiaries placed or refinanced in excess of one hundred million dollars.

Principals of the Firm

	Nathan Adler Garfunkel nathan@ajcgarfunkel.com Nathan A. Garfunkel was born on October 5, 1950. He graduated from Jenkins High School in 1969, and attended Miami Dade Junior College from 1971 to 1973. Nathan began working for A.J. & C. Garfunkel on January 1, 1973, and now heads the Property Casualty Insurance Division of A.J. & C. Garfunkel. On June 8, 1975 he married Lisa Epstein of Memphis, TN and is the father of six. Nathan currently serves as a director of the Rourke Memorial Trust; is a past president of the Savannah Hebrew Day School and is the President of the Congregation B'nai Brith Jacob Synagogue.
	David Garfunkel david@ajcgarfunkel.com David Garfunkel was born on November 15, 1953. He graduated from Jenkins High School in June of 1971, and attended the University of Miami. Majoring in Finance, he received a Bachelor of Business Administration in May of 1975. On September 1, 1975, David married Halle Epstein of Memphis, TN and is a father of four and grandfather of nine. On January 1, 1976 he began working for A.J. & C. Garfunkel and is the broker of the office. He has been called as an expert witness in the Superior Court of Chatham County in Real Estate matters. He has served as a past president of the Sertoma Club of Savannah; past president of the B'nai Brith Jacob Synagogue Brotherhood, served on the Board of Directors at the Jewish Educational Alliance, the Savannah Jewish Federation, the Rape Crisis Center, the Savannah Development and Renewal Authority, the Savannah Area Chamber of Commerce Roads Committee, Savannah Board of Realtors Building Committee, State of Georgia Real Estate Ethics and By Laws Committee; Foreman of the Chatham County Grand Jury; and is a Five Gallon Donor of the American Red Cross. In 2000, David formed Dagar, LLC which became David Garfunkel & Co., LLC in 2006. Last Year, David's transactions exceeded $101,000,000. His partnerships include holdings in Georgia, Alabama, Arkansas, Texas, Florida and North Carolina.
	Charles Garfunkel charlie@ajcgarfunkel.com Charles Garfunkel was born on April 1, 1958. He graduated from the Yeshiva of the South in Memphis, TN in June of 1976 and graduated with a B.S.B.A. with a concentration in tax accounting from Boston University in June of 1981. He began working for A.J. & C. Garfunkel in September of 1981. His job responsibilities are those of operations, acquisitions and the daily financial aspects of our company. Charlie has led A.J. & C. Garfunkel and various special purpose entities to acquire and/or redevelop the following properties: Garden City Shopping Plaza in Garden City, GA; Evans Square Shopping Center in Cross City, FL; Live Oak Shopping Center in Live Oak, FL; Camden Woods Shopping Center in Kingsland, GA; Northlake Village in Atlanta, GA; Town Park Plaza in Rincon, GA; Park Center Commons in Ocala, FL; Corridor Market Place in Laurel, MD; Regal Cinemas at the Savannah Mall; The United States Customs Laboratory at the SPA Park in Savannah, GA; and River Pointe Shopping Center in Canton, GA. Charlie is a past president of Congregation B'nai Brith Jacob and it's Brotherhood, Past President of Rambam Day School, a past board member of the Savannah Jewish Federation, and a board member of ARMDI for the Southeastern United States.
	Martha Horgan Customer Service martha@ajcgarfunkel.com Martha joined A.J. & C. Garfunkel in June of 2003. Raised in Savannah, with past experience in customer service with such companies as Dollar Rent-A-Car, Johnson Exterminating and JEM Cleaning Services, Martha is the point person for all service calls and handles all incoming phone calls.