J. CHARLES CARDONA is a 24-year Dreyfus veteran. Currently, Mr. Cardona is a Vice Chair and a Director of The Dreyfus Corporation. Mr. Cardona is responsible for overseeing all client relationships at Dreyfus, including strategic account sales. Mr. Cardona is a member of The Dreyfus Management Committee and the Corporation's Operating Committee which sets strategic direction for the firm. Prior to becoming Vice Chair, Mr. Cardona served as Executive Vice President and National Sales Manager for the Institutional Services Division. He joined the Institutional Services Division in 1985 with management responsibility for all Institutional Operations and Client Service units which he continues to oversee as part of his current responsibilities. Prior to joining the Institutional Services Division, Mr. Cardona served as Assistant Director of Sales and Services in the Dreyfus Retail Division which he joined in 1981. Prior to joining Dreyfus, Mr. Cardona spent three years as an Account Manager with Bradford Trust Co., responsible for providing syndicate credit for municipal bond underwritings.

Mr. Cardona is a graduate of Manhattan College with a bachelor's degree in business administration.