GERHARD W. FALK, MSc, MBA, CFP, is Executive Director of our Austrian Office, and acted as Managing Director of Admirality Investments AG, Germany. Mr. Falk has held many senior banking positions with major banking corporations including Bank of America in San Francisco, London and Hamburg, and with Oesterreichische Laenderbank AG in Vienna and Klagenfurt. While with Bank of America in its San Francisco World Headquarters, he was Area Administrator for all of Eastern Europe, including the former USSR and Yugoslavia. In London, he was Assistant Section Head for European Ship Finance and in Hamburg, Head of Credit. After returning to San Francisco, he held the posts of Vice President - Team Leader of the Energy Team and subsequently the Financial Institutions Group, where he gained a high degree of expertise in analyzing banks and financial institutions. Most recently, he was the Regional Manager for all Laenderbank’s activities in Carinthia and East Tyrol, including project financing for the governments of Slovenia and Croatia. Mr. Falk holds an MSc in International Economics from Louisiana State University, an MBA specializing in Management and Banking from the Economics University of Vienna, and a Cert. Financial Planning degree from the University of California at Berkeley. Mr. Falk is fluent in English, German and Italian and speaks conversational French, Spanish and Swedish.