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Jos� Ignacio de Nicol�s Guti�rrez is the Minister of Economic Developent for the State of Sinaloa and founder and Chairman of the Board of Directors of Hipotecaria Credito y Casa S.A. de C.V. a sofol that has become the third largest mortgage bank in Mexico. Mr. de Nicol�s also co founded our company and served as our CEO from 1989 to 1997. Mr. de Nicol�s is a member of the regional advisory board of financial institutions such as Fianzas Monterrey a contract and fidelity bonds company and NAFIN a Mexican government-owned development bank. He has recently been appointed member of the Board of Directors of Afore Coppel a retirement fund administrator. Mr. de Nicol�s received a B.S. in Finance and Administration from Universidad Panamericana in Mexico City. | 