Executive Bios

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0><tr> <td valign="top" colspan=2 height=90 BGCOLOR="#006699" TEXT="#080000" background="13cfd5a3.jpg"> <div> <FONT SIZE="5" COLOR="#000000" FACE="Arial" ><B>HealthCard Systems </B></FONT><B>    </B><B> |     </B><A HREF="index.htm" TARGET="_top" TITLE="HealthCard Systems "><U><B>home</B></U></A></div> <div> <A HREF="id2.htm" TARGET="_top" TITLE="About Us"><U>About Us</U></A>   |   <A HREF="id3.htm" TARGET="_top" TITLE="Products and Services"><U>Products and Services</U></A>   |   <A HREF="id25.htm" TARGET="_top" TITLE="Association Member Benefits"><U>Association Member Benefits</U></A>   |   <A HREF="id40.htm" TARGET="_top" TITLE="Partnerships"><U>Partnerships</U></A>   |   <A HREF="id44.htm" TARGET="_top" TITLE="Industry Insights"><U>Industry Insights</U></A>   |   <A HREF="id26.htm" TARGET="_top" TITLE="Press Releases"><U>Press Releases</U></A>   |   <B>Executive Bios</B>   |   <A HREF="id41.htm" TARGET="_top" TITLE="Career Opportunities"><U>Career Opportunities</U></A>   |   <A HREF="id6.htm" TARGET="_top" TITLE="Contact Us"><U>Contact Us</U></A>   |   <A HREF="pci.htm" TARGET="_top" TITLE="PCI Compliance"><U>PCI Compliance</U></A></div> <div> </div> </td> </tr><tr> <td valign="top" width=210 BGCOLOR="#FFCC66" TEXT="#080000" background="13dd2b03.jpg"> <bR> </td> <td valign="top" height=390 BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <I>Executive Bios</I></div> <bR> <bR> <div> <TABLE BORDER="0" CELLPADDING="1" CELLSPACING="1" WIDTH="626" BORDERCOLORLIGHT="#C0C0C0" BORDERCOLORDARK="#808080" FRAME="VOID" RULES="NONE" HSPACE="0" VSPACE="0" > <tR> <tD VALIGN=CENTER HEIGHT= 112 WIDTH="622"><div> <A HREF="id21.htm" TARGET="_top" TITLE="David H. Schwartz"><U><IMG BORDER="0" SRC="Symb075c00b700c8ff000000.png" HEIGHT="13" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">David H. Schwartz, CEO</U></A></div> <bR> <div> <A HREF="id22.htm" TARGET="_top" TITLE="Richard J. Spigai"><U><IMG BORDER="0" SRC="Symb075c00b700c8ff000000.png" HEIGHT="13" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Richard J. Spigai, President</U></A><FONT SIZE="2" COLOR="#000000" FACE="Arial" ><A HREF="id22.htm" TARGET="_top" TITLE="Richard J. Spigai"><U> </U></A></FONT></div> <bR> <div> <A HREF="id23.htm" TARGET="_top" TITLE="Ralph Garcia"><U><IMG BORDER="0" SRC="Symb075c00b700c8ff000000.png" HEIGHT="13" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Ralph Garcia, Senior Vice President</U></A><FONT SIZE="2" COLOR="#000000" FACE="Arial" ><A HREF="id23.htm" TARGET="_top" TITLE="Ralph Garcia"><U> </U></A></FONT></div> <bR> <div> <A HREF="id35.htm" TARGET="_top" TITLE="Fred Persaud"><U><IMG BORDER="0" SRC="Symb075c00b700c8ff000000.png" HEIGHT="13" WIDTH="24" ALIGN="bottom" HSPACE="0" VSPACE="0">Shrawan K. Persaud, Senior Vice President of Operations</U></A></div> </tD> </tR> </TABLE></div> <bR> <bR> </td> </tr></table></body>