OFFICERS
William Pagano, Chief Executive Officer
Mr. Pagano has been the President of Universal since November 1998, and was
appointed as a Director of the Company in February 2002, as President of the Company on
October 27, 2005, and as Chief Executive Officer on April 17, 2006. Prior to November, 1998
Mr. Pagano was engaged in the practice of law for 20 years. Mr. Pagano holds a B.S. in
Industrial Management, and an M.B.A., both from Fairleigh Dickinson University. Mr. Pagano
also holds a J.D. from Seton Hall University and is an attorney at law licensed in the State of New
Jersey.
William Salek, Chief Financial Officer/Secretary
Mr. Salek has been the Vice President of Universal since June 1999 and was
appointed as the Chief Financial Officer of the Company in October 2004 and Secretary of the Company in February 2005. Mr. Salek has been employed by Universal since 1983. Mr. Salek
holds a B.S. in Accounting from Clarion University. Mr. Salek is a director of Educational Partnership for Instructing Children, Inc., a non-profit learning institute.
BOARD OF DIRECTORS
Michael Goldman, Chairman of the Board
Mr. Goldman has been a Director of the Company since September 29, 2004 and
was appointed Chairman of the Board on April 17, 2006. Mr. Goldman has been the Chief
Executive Officer and Chairman of the Board of Directors of Goldman Associates of NY, Inc., an
appliance distributor, since 1987. Mr. Goldman is a Certified Public Accountant and holds a B.S.
in Accounting from Brooklyn College and an M.B.A. in Management from Syracuse University.
Dr. E. Bruce Fredrikson has been a Director of the Company since January 28, 2005. Dr.
Fredrikson is currently an independent consultant in corporate finance and governance. He is
Professor of Finance, Emeritus, at Syracuse University's Martin J. Whitman School of
Management where he taught from 1966 until his retirement in May 2003. He is a director of
Consumer Portfolio Services, Inc., a consumer finance company and of Track Data Corporation,
a financial services company. Dr. Fredrikson holds an A.B. in economics from Princeton
University and a M.B.A. in accounting and a Ph.D. in finance from Columbia University.
Melissa Goldman-Williams has been a Director of the Company since October 22, 2004.
Mrs. Goldman-Williams has been the Chief Operating Officer of Goldman Associates of NY,
Inc., an appliance distributor, since 1996, and is also a member of the Board of Directors of said
company. Mrs. Goldman-Williams holds a B.A. from Lehigh University and a Masters Degree in
Environmental Management from Duke University. Previously, she was employed as an
Environmental Consultant for a private consulting firm.
Stuart H. Lubow became a Director of the Company on May 11, 2006. Mr. Lubow is a
founder, President and Chief Executive Officer of Community National Bank. Mr. Lubow was
founder, President and Chief Executive Officer of Community State Bank from 1997 to 2003 and
was the Executive Vice President and Chief Operating Officer of Garden State Bank until 1996.
Mr. Lubow has been a banking executive for over 25 years. He is a past Chairman of the
Community Bankers Association of New Jersey, as well as the former Chairman of the Teaneck
Development Corporation. Mr. Lubow holds a B.A. in Accounting from Moravian College and
has served as an instructor at the New York University School of Continuing Education.
Ronald Miller has been a Director of the Company since 1983. Mr. Miller holds a B.S. in
Education from Ohio State University and a J.D. from Ohio State University. Mr. Miller has
been engaged in the practice of law since 1969 and as a sole practitioner since 1988. Mr. Miller
is an acting Judge of Auglaize County Municipal Court in the State of Ohio.
William Pagano has been the President of Universal since November 1998, and was
appointed as a Director of the Company in February 2002, as President of the Company on
October 27, 2005, and as Chief Executive Officer on April 17, 2006. Prior to November, 1998
Mr. Pagano was engaged in the practice of law for 20 years. Mr. Pagano holds a B.S. in
Industrial Management, and an M.B.A., both from Fairleigh Dickinson University. Mr. Pagano
also holds a J.D. from Seton Hall University and is an attorney at law licensed in the State of New
Jersey.
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