Carl Tiu is first VP of food and beverage financing at BHI, a full-service commercial bank and the U.S. division of Bank Hapoalim. Bank Hapoalim provides its clients access to a broad array of products and services available through its bank and non-bank affiliates. Not all products and services are provided by all affiliates or are available at all locations. All credit products are subject to credit approval. Nothing contained herein should be construed as a commitment to lend by BHI or any of its affiliates. The matters discussed herein express the personal views of Mr. Tiu, which do not constitute legal or regulatory advice, and are not necessarily those of BHI or its affiliates.