General Counsel, Wafra Investment Advisory Group, Inc.; New York, N.Y. Robert W. Toan is General Counsel of and Director of Structured Finance at the Wafra Investment Advisory Group. He is also a partner in the New York-based law firm of Hughes Hubbard & Reed LLP, specializing in international taxation, financial transactions, and cross-border leasing. Toan was formerly a partner of the international law firm of Baker & McKenzie. Toan received his J.D. and LL.M. in Taxation from New York University Law School.

President, Islamic Society of North America; Plainfield, Ind. Muzammil H. Siddiqi is President of the Islamic Society of North America and the Director of the Islamic Society of Orange County, California. He has worked with many Islamic organizations worldwide, including the

Chairman, Dar Al-Maal Al-Islami Trust; Geneva, Switzerland Mohamed Al Faisal Al Saud is Chairman of Dar Al-Maal Al-Islami Trust and Chairman of the International Association of Islamic Banks. The DMI Trust consists of several banks throughout the world, including Faysal Islamic Bank of Bahrain, Islamic Investment Company of the Gulf (Bahrain, Bahamas, Sharjah, Jeddah), Faisal Islamic Bank of Egypt, Faysal Bank Ltd. (Pakistan), Al Faysal Investment Bank Ltd. (Pakistan), Faisal Finance (Turkey), and Faisal Finance (Switzerland) S.A.

Joint Director, Research Department, Bangladesh Bank; Dhaka, Bangladesh Md. Abdul Awwal Sarker is Joint Director of the Internal and Islamic Economics Division at the Research Department of Bangladesh Bank. He was formerly a Lecturer in Economics at Kaunia Degree College and Lalmanirhat Govt. College in Bangladesh. He has also worked as a Senior Assistant Vice President at Al Baraka Bank Training Academy. Sarker has a B.A. and M.A. in Economics from Rajshahi University (Bangladesh) and an M.Sc. in International Banking from Loughborough University.

Associate Professor of Economics, International Islamic University; Kuala Lumpur, Malaysia Saiful Azhar Rosly is an Associate Professor in the Department of Economics at International Islamic University Malaysia, where he teaches Islamic economics as well as Islamic banking, finance, and investment. He holds a B.Sc. and an M.A. in Economics from Northern Illinois University and a Ph.D. in Economics from the National University of Malaysia.

Director and General Manager, Al Rajhi Banking and Investment Corporation; Riyadh, Saudi Arabia Abdullah Sulaiman Al Rajhi is Director and General Manager of Al Rajhi Banking and Investment Corporation (ARABIC). His other positions within ARABIC have included Deputy General Manager for Investments and Foreign Relations and First Deputy General Manager. Al Rajhi has a degree in Business Administration. A member of the well-known Al Rajhi business family in the Middle East, he is a member of the Board of Directors of several other Saudi business entities.

Assistant General Manager, Kuwait Finance House; Safat, Kuwait Mohammed S. Al Omar is Assistant General Manager of Kuwait Finance House and heads its Investment Sector. From 1993 to 1997, he was Manager of the International Real Estate Department at KFH. Prior to joining KFH, he held several key positions in the International Real Estate Department of Pearl Investment Company in Kuwait and the United States. Al Omar received his B.S. in Business Economics from Chapman Collage in Orange, California, in 1986.

Dean of Kulliyyah of Economics and Mgmt. Science, International Islamic University; Kuala Lumpur, Malaysia Mohd. Azmi Omar is Dean of the Kulliyyah of Economics and Management Science and an Assistant Professor of Business Administration at International Islamic University Malaysia (IIUM). His academic and professional interests include financial management, investment analysis and financial statement analysis, Islamic business management, and Islamic accounting, auditing and banking practice. He is also a Product Development Consultant for SPTF.

President, Dow Jones Indexes; New York, N.Y. David E. Moran is President of Dow Jones Indexes, where he oversees the marketing and distribution of the indexes and related products that provide international investors with benchmarks on international equity markets. He was formerly Vice President/Law and Deputy General Counsel for Dow Jones & Company. Prior to joining Dow Jones, Moran was an associate with Patterson, Belknap, Webb & Tyler, a New York City law firm. Moran has a B.A. from Harvard College and a J.D. from the University of Virginia Law School.

Assistant Professor, Nanyang Business School; Singapore Ramin Cooper Maysami is an Assistant Professor at the Nanyang Business School, where his research focuses on Islamic banking and finance, regulation of financial institutions, derivative securities, and entrepreneurship. He also heads the Islamic Banking Research Unit of the Asian Commerce and Economics Studies Center and is the Deputy Head of the Central Banking Policies Research Unit at Nanyang. He was formerly an Assistant Professor of Financial Economics at the University of Illinois. Maysami has a Ph.D.