MARK D. LAY

Mark D. Lay has over 16 years of investment experience.  Prior to founding MDL, Lay worked as an account executive at Dean Witter Reynolds, Inc.  He was also vice president in foreign exchange trading at Citicorp Investment Bank, responsible for hedging portfolios using government bonds, futures, and commodities.  He appears regularly on CNBC, Yahoo Finance Vision, in Black Enterprise and Forbes magazines, as well as a guest speaker for such groups as International Foundation and The National Association of Securities Professionals.  Lay holds a B.A. degree in economics from Columbia University.