Andrew McGaw is a Canadian (with Cayman Status) and was a banker with CIBC for 21 years, in the Canadian Province of Quebec, the Caribbean, and at that Bank's Head Office in Toronto.  He managed a number of branches in Canada and was manager of a branch in Jamaica.  Part of the period was spent with the Bank's Cayman Islands Office where he was responsible for all credit lending in the country.  He has a strong banking background.  For the past 20 years he has been President of Hastings Consulting Ltd., Financial Consultants, primarily focusing on the financial needs of domestic and international corporations.