UNIVERSITY FACULTY RESUME

April 30, 2013 I. PERSONAL INFORMATION a. Name: Mahmoud M. Haddad Date of Birth: 08/15/1948 Citizenship: USA b. Rank and Tenure Status: Professor- Tenured c. Campus Address: 214 Business administration Building

II. EDUCATIONAL/PROFESSIONAL CREDENTIALS University of Alabama Finance Ph.D. 1984 Alabama, USA Minnesota State University Accounting MBA 1977 Minnesota, USA Minnesota State University Accounting BS 1975 Minnesota, USA Montgomery Co. Com. Col Accounting A.S 1974 Pennsylvania USA

III. EMPLOYMENT HISTORY 1996 -Present. Professor, The University of Tennessee at Martin, Tennessee 2010-2010 USAID Visiting Scholar, Al-Quds University, Jerusalem, Palestine 2003- 2005. Visiting International Scholar, American University of Beirut. Beirut,

Lebanon 2000-2001 Executive Director, Research Department, Palestinian Monetary Authority

(Central Bank), Ramallah, Palestine 2000-2001 Vice President for Administrative and Financial Affairs/Dean of College of

Business and Financial Sciences, Arab American University, Jenin, Palestine 1998 - 2001 Visiting Professor, American University of Armenia, Yerevan, Armenia 1992-1997 Associate Professor, the University of Tennessee at Martin, Tennessee 1995-1995 Research Scholar and Head of Economic and Social Studies Division. July -

August 1995. The Emirates Center for Strategic Studies and Research, UAE 1984-1992 Assistant Professor, Wayne State University 1988-1992 Adjunct Professor, Eastern Michigan University 1981-1984 Graduate Assistant and Research Assistant, University of Alabama 1980-1981 Financial and Accounting Manager, American Family Insurance Co.,

Minneapolis, Minnesota 1977-1979 Instructor, Mankato State University 1975-1977 Graduate Assistant, Mankato State University 1974-1975 Accountant & Budget Officer,(Intern) Mankato State University's Student Activity Account 1972-1973 Manager, Red Fez Restaurant, Lansdale, Pennsylvania 1967-1971 Educator, Buhtary Elementary School, Jericho, Palestine.

IV. SCHOLARLY ACTIVITY

Peer Reviewed (Refereed) Journal Articles Mahmoud Haddad and Sam Hakim “Have Foreign Banks Contributed to the Spread of the Global Financial Crisis to Saudi Arabia” The Journal of Wealth Management, Vol. 15, NO 2, Fall 2012. PP 104 -111 (Discipline-based Scholarship) Arnold Redman and Mahmoud Haddad “Integrating Ethics into the Teaching of Portfolio Management” (with Redman) has been selected for publication in an upcoming issue of the Journal of Learning in Higher Education. Vol. 7, No. 2, Fall 2011, PP 45-54 (Contribution to Practice) Mahmoud Haddad, Ghassem Homifar, Hikmat Ahmedove and Said ElFakhani, “Comparative Intertemporal Test of the Beta Stationarity Performance of Islamic Mutual Funds (with Journal of International Business & Entrepreneurship Development (JIBED), Vol. 4, No. 4 (2009), pp. 275-285. (Discipline-based Scholarship) Mahmoud Haddad and Sam Hakim,"The Impact of War and Terrorism on Sovereign Risk in Middle East" , Journal of Derivatives and Hedge Funds, Vol. 14, 2008, PP 237–250. http://www.palgrave-journals.com/jdhf/journal/v14/n3/abs/jdhf200817a.html (Discipline-based Scholarship) Mahmoud Haddad “An Intertemporal Test of the Beta Stationarity the case of Egypt”. Middle East Business and Economic Review. Vol.19, No.1, June 2007, pp 1-7 (Discipline-based Scholarship) Mahmoud Haddad and Sam Hakim,"The Cost of Sovereign Lending in the Middle East after September 11"; Journal for Global Business Advancement; Vol., 1 Issue 1. 2007. pp 127-139. (Discipline-based Scholarship) Mahmoud Haddad and Arnold Redman, “Students as Fiduciaries: An Examination of the Performance of Students-Managed Portfolios, Journal of the Academy of Business Education. Vol; 7, Summer 2006, pp 87-100. (Contribution to Practice) Mahmoud Haddad and Arnold Redman, “Ivory Tower Versus the Real World: Do We Practice What We Teach?” Financial Decisions, Vol., 17, No 1, Spring 2005. http://www.financialdecisionsonline.org/current/HaddadRedman.pdf (Discipline-based Scholarship) Mahmoud Haddad “Chockletto International Hedging”. in Managing Global Financial and Foreign Exchange Rate Risk, by Ghassem A. Homaifar. John Wiley & Sons, Inc, 2004. PP140-141. (Discipline-based Scholarship) Mahmoud Haddad, Omar M. Benkato and Amin Haddad, “Futures Market Efficiency and the Federal Budget Deficit” Journal of Academy of Business and Economics, Vol. 1, No. 1. 2003, PP. 116 – 128. (Discipline-based Scholarship)

"Coping with the Risk of Interest Rate Fluctuations: The Case of Kuwait Banks" (with Omar Benkato, Al-Loughani and M. Baur), Journal of Business & Economics Research. Vol., 1, No., 1, January 2003, PP. 117-124 (Contribution to Practice) "The Variable Interest Rate Mortgage: An Economic Consideration" (With Bob. Figgins, and Gary Young), The International Journal of Business Disciplines. Vol., 12, No., 2, Fall/Winter 2002, PP 74-80 (Contribution to Practice) “Jordanian Tourism Leading the Way Toward Economic Prosperity” (with M. Yasin and J. Alavi), Journal of Current Research in Global Business, Vol., 3, No., 4, Fall, 2001, PP 26-33. (Contribution to Practice) "International Trade Factors and Electronic Commerce"(with G. Homaifar and B. Evans), International Journal of Business Discipline, Vol., 11, No. 2, Spring 2001, PP 15-19. (Discipline-based Scholarship) "Borrower Attributes and the Risk of default on Conventional Mortgages". (With S. Hakim), Atlantic Economic Journal. Vol. 27, No. 2, June 1999, 210-220, (Contribution to Practice) " The General Annuity Case of Time Value of Money: A Pedagogical Approach," (with O. Benkato, N. Baur and H. Banarjee), Global Business & Finance Review. Vol. 1, No. 2, Fall 1996, PP. 83-98. (Discipline-based Scholarship) "An Empirical Analysis of the day-of-the-week Effect in Stock Market Returns: The Case of U.S. and Japan (with R. Ajayi and L. Tetrick), Review of Quantitative Finance and Accounting. Vol. VI, NO. 3, May 1996, PP. 293-307 (Contribution to Practice) "Adoption of FASB 106 and Stock Prices" (with Saul Z. Barr, Arnold L. Redman and A. Cowan) International Advances in Economic Research, Vol. 1., No. 2, May 1995, pp. 156-163. (Contribution to Practice) "The Economic Factors and Futures Contracts Prices". (O. Benkato), Journal of Business and Economic Perspective, Vol. XX. NO. 1, Spring/Summer 1994, PP. 62-75 (Discipline-based Scholarship) "International Mutual Funds Stability and Benefits of Diversification" (with M. Essayyad and O. Benkato), Economia Internazionale, Vol. XLVII, Num. 2-3, May-August 1994, pp. 139-129. (Discipline-based Scholarship) "A Comparison of Capital Formation In Industrialized Countries" (with O. Benkato and E. Burks) Journal of Applied Business Research, 8, 2, Spring, 1992, pp. 101-106. (Contribution to Practice) "Initial Option Trading and Security Risk and Return," (with F. Voorheis) Journal of Business Finance and Accounting, 18, 6, November 1991, pp. 903-913. (Discipline-based Scholarship)

"Interest Rate Risk Immunization Using Duration Vector Approach for Commercial Banks," (with O. Benkato and G. Homaifar) Journal of Financial and Strategic Decisions, 4, 1, winter 1991, 85-97. (Contribution to Practice) "The Effect of the Economic Factors on Capital Formation in the Industrialized Countries: A Comparison," (with O. Benkato) Detroit Business Journal, 3, 1, Spring 1990, 11-20 (Contribution to Practice) "Intertemporal Testing of Beta Stationarity,".(with O. Benkato) Akron Business and Economics Review, 20, 4, winter 1989, 23-32. (Contribution to Practice)

"An Evaluation of International Private Lending and Borrowing Sector: The Case of South Korea," (with O. Benkato) Management: An International Comparative Perspective, edited by Samir T. Ishak, Coply Publishing Group, 1989, 155-163. (Contribution to Practice) "Cost/Benefit Analysis of Establishing an Offshore Banking Center: The Case of Anchorage," (with M. Essayyad and O. Benkato), in International Bank and Finance Centers, edited by Yoon S. Park and Musa Essayyad, Kluwer Academic Publishers, 1989, 159-73. (Contribution to Practice) "An Intertemporal Test of Beta Stationarity Based on the Mean Lower Partial Moment Capital Asset Pricing Model," (with O. Benkato) Journal of Economics and Finance (previously Midsouth Journal of Economics and Finance), 12, 2, summer 1989, 159-65. (Contribution to Practice) "The Variance and Lower Partial Moment Measure of Systematic Risk," (with G. Homaifar and B. Fayissa) Journal of Economics and Finance (previously Midsouth Journal of Economics and Finance), 12, 1, spring 1989, 51-57. (Discipline-based Scholarship) "American Presidential Election and Returns on Defense Industry Stocks," (with G. Homaifar, W. Randolph and B. Helms) Applied Economics, 20, 7, July 1988, 985-993. (Contribution to Practice) "A Measurement of Errors in Intra-Period Compounding and Bond Valuation," (with James T. Lindley and Billy Helms) The Financial Review, 22, 1, February 1987, 33-51 (Discipline-based Scholarship) Proceedings “Is there A Bubble in Saudi Real Estate? Evidence from the Stock Market” (with Sam Hakim) published as a working paper at the ERF Working paper series number 732, December 2012. http://www.erf.org.eg/cms.php?id=NEW_publication_details_working_papers&publication_id=1590

Mahmoud Haddad and Sam Hakim “Measuring The Damage From Financial Integration In the GCC: Lesson Form the Global Crisis”. Presented at the ERF 17th Annual Conference in Antalya, Turkey, March 20-22, 2011. This paper was awarded the conference best paper in Finance studies. Mahmoud Haddad and Sam Hakim “Have Foreign Banks Contributed to the Spread of the Global Financial Crisis to Saudi Arabia”. Presented and Published as working paper #537 at the ERF’s 16 Annual conference in Cairo, Egypt, 2009. www.erf.org.eg/CMS/getFile.php?id=1506 And published also in selected paper proceedings. 2010 http://www.erf.org.eg/cms.php?id=publication_details&publication_id=1308 Mahmoud Haddad, Ghassem Homaifar, Said Elfakhani and Hikmat Ahmedov, “Intertemporal Test of Beta Stationarity Performance of Islamic Sector Structured Mutual Funds” presented and Published as working paper # 427 at the ERF’s 14 Annual conference in Cairo, Egypt, 2008. http://www.erf.org.eg/cms.php?id=publication_details&publication_id=987 (Contribution to Practice) Mahmoud Haddad and Sam Hakim, “The Impact of War and Terrorism on Sovereign Risk in MENA Countries”. Presented and published as working paper # 394 at the ERF's 14th Annual Conference in Cairo, Egypt, 2008. http://www.erf.org.eg/cms.php?id=publication_details&publication_id=949 (Contribution to Practice) Arnold Redman, Nell Gullet and Mahmoud Haddad, “Ethics and Corporate Governance in Principle of Financial Management” Proceedings of the Academy of Economics and Finance, Vol. 32, February 13-16, 2008, 288-292 (Contribution to Practice) Mahmoud Haddad and Arnold Redman, “Ethics in the Portfolio Management: How Financial Educators Can Encourage the Ethical Behavior of Undergraduate Finance Students”. 2007 Proceedings of the Journal of Academy Business Education www.fea.sju.edu Vol. 8, 2007 (Contribution to Practice) Ghassen Homaifar and Mahmoud Haddad, "Balance of payment problems: the case of Argentina, Brazil and Chile" IAREP-SABE GONGRESS (Behavioral Economics and Economic Psychology), Paris, France, July 5-8, 2006 (Contribution to Practice) “An Intertemporal Test of the Beta Stationarity the case of Egypt” Background papers will be distributed as part of the documents of ERF 12th annual conference, Cairo, Egypt, 19-21 December 2005. "The Cost of Sovereign Lending in the Middle East After September 11" (with Sam Hakim), EcoMod -Middle East and North African Economies: Past Perspectives and Future Challenges, Brussels, Belgium, June 2-4, 2005. (Discipline-based Scholarship) “Sovereign and Country Risk in MENA Countries” (with Sam Hakim). Advances in Global Business Research, Vol. 1., No. 1., New Delhi, India, Jan 7-9. 2004. (Discipline-based Scholarship)

"Coping with the Risk of Interest Rate Fluctuations: The Case of Kuwait Banks" (with Omar Benkato and Al-Loughani) International Business & Economics conference, Las Vegas, Nevada, October 7-11 2002. (Discipline-based Scholarship) “Students As Fiduciaries: An Examination of the performance of Student Managed portfolios” (With A. Redman) Academy of Financial Services, San Antonio, Texas, October 15-16, 2002 (Contribution to Practice) "Taxes, Tariffs, and Duties and International Electronic Commerce" (with J. Newton) 8th Annual Conference on Marketing Strategies for Central and Eastern Europe, Vienna, Austria, December, 13-15, 2000 (Contribution to Practice) "Quicken.Com for Portfolio Structure, Simulation, Sectorization and Asset's Allocation and Management"(With T. Zaher), Abstract, 14th Annual Meeting of the Academy of Financial Services, Seattle, Washington, October 25, 2000 (Learning and Pedagogical) "E Trade Training: Using the Web for the MENA Region Inquisitive Investors" (with A. Yasin and J. Alavi) Economic Research Forum Seventh annual conference, Amman, Jordan, October 26-29, 2000. (Learning and Pedagogical) "Jordan's Tourism Potential and Market Realities" (with A. Yasin and J. Alavi) Economic Research Forum Seventh annual conference, Amman, Jordan, October 26-29, 2000 (Contribution to Practice) "Coping with the Risk of Interest Rate Fluctuations: Returns to financial Intermediaries From Naïve and Optimal Strategies, The Case of Kuwait Banks" (with Omar Benkato and Al-Loughani), Sixth Annual Conference of the Economic Research Forum, Cairo, Egypt, Vol., 7., No. 1. February 2000. (Contribution to Practice) "International Trade Factors and the Electronic Commerce" (With Omar Benkato and Tarek Zaher), International Applied Business research Conference. Puerto Valletta, Mexico, March 13-17. 2000 (Contribution to Practice) "Comparison on Schwarz Information Criterion and Likelihood Function in the Context of Piecewise Regression."(With A. Nanthakumar). Decision Sciences Institute. New Orleans, Louisiana, November 20-23, 1999 (Discipline-based Scholarship) "Recent Developments In the Use of the Internet: An Updated Tutorial for Finance Instructors" (With Tarek Zaher) abstract, Academy of Financial Services, Orlando, Florida, October 6, 1999. (Learning and Pedagogical) "Using the Web in Teaching Finance Curriculum: Portfolio Simulation" International Conference on Computer Science and Information Technologies, Yerevan, Armenia, August 17-23 1999. (Learning and Pedagogical)

"Using the Internet in Teaching Finance courses: A Tutorial" (With Tarek Zaher) abstract, Academy of Financial Services, Honolulu, Hawaii, October 14-15, 1997. (Learning and Pedagogical) "Can Option Prices Forecast Earnings Per Share"(With T. Zaher and A. Haddad) abstract, Decision Science Institute annual meeting in Boston, Massachusetts, November 20-22, 1995 (Discipline-based Scholarship) "Interest Rate Sensitivity of Banks Stock Returns and Bank Size"(with Tarek S. Zaher) Global Finance Conference, San Diego, California, May 8-10, 1995. (Discipline-based Scholarship) "The Federal Reserve Discount-Rate and Foreign Currency Futures Prices"(with Tarek S. Zaher) Global Finance Conference, San Diego, California, May 8-10, 1995. (Discipline-based Scholarship) "Empirical Examination of Initial Option Trading on Asset Prices"(with F. Voorheis, G. Homaifar, and A. Haddad) Global Finance Conference, San Diego, California, May 8-10, 1995. (Contribution to Practice) "The Information Content of Discount-Rate Changes: Spot and Futures Prices Asymmetry" (with Tarek S. Zaher) Decision Sciences Institute, November 20-22, 1994. (Contribution to Practice) "The Impact of Discount-Rate Changes on Interest Rate Futures Prices" (with Tarek S. Zaher) Academy of Financial Services Annual Meeting, October 1994. (Contribution to Practice) "Adoption of FASB 106 and Stock Prices" (with S. Z. Barr, A. L. Redman and A. Cowan) International Advances in Economic Research, Vol., 1., No. 1, February 1995, p. 80. (Contribution to Practice) "Seasonality, Financial and Non-Financial Prepayment on Fixed-Rate Mortgages." (with Sam Ramsey Hakim) Journal of Economics and Finance, 18,1994 (Contribution to Practice) "Interest Rate Risk Immunization Using Duration Vector Approach: An Application to Tax Exempt Mutual funds Balance Sheets," (with O. Benkato and M. Essayyad) Decision Sciences, November 1988. (Contribution to Practice) "The South Korean Private Lending and Borrowing Sector: An Evaluation for International Lending Opportunities," (with O. Benkato) Pan Pacific Conference V, May 1988. (Contribution to Practice) "Debt to Equity Conversion Programs," (with O. Benkato) International Conference on Comparative Management, May 1988. (Contribution to Practice)

"Presidential Election and Defense Spending: A Test of the Efficient Market Hypothesis," (with G. Homaifar, B.P. Helms, and W. L. Randolph) Eastern Finance Association Annual Meeting in The Financial Review, August 1986. (Discipline-based Scholarship) "Interest Rates and Business Investment Decision: The Case of the Industrialized Countries," (with O. Benkato) Decision Sciences Institute, November 1986. (Discipline-based Scholarship) "Money Supply and The Futures Market," (with B.P. Helms and O. Benkato) Decision Sciences Institute, November 1986. (Discipline-based Scholarship) "Interest In-elasticity of Investment Demand: Empirical Evidence on the Relationship Between Investment, Interest, GNP and Money," (with O. Benkato) Midsouth Academy of Economics and Finance in Midsouth Journal of Economics and Finance, April 1987. (Discipline-based Scholarship) Paper Presentations “Student Loan Debt: How Are The Fund Spent?” (With Janet Wilbert), Presented at the Joint meeting of Academic Business World International Conference and International Conference on Learning and Administration in Higher Education, May 22 – 24, 2013, Nashville, Tennessee “Measuring The Damage From Financial Integration In the GCC: Lesson Form the Global Crisis”. (With Sam Hakim), presented at the 10th International Conference of the Middle East Economic Association (MEEA) organized in collaboration with the Center for Research on the Economies of the Mediterranean (CREMed) Annual Conference in Barcelona, Spain, June 23-24, 2011. “Measuring The Damage From Financial Integration In the GCC: Lesson Form the Global Crisis”. (With Sam Hakim), presented at the ERF 17th Annual Conference in Antalya, Turkey, March 20-22, 2011. This paper was awarded the conference best paper in Finance studies. “Have Foreign Banks Contributed to the Spread of the Global Financial Crisis to Saudi Arabia?” (with Sam Hakim), presented at the ERF’s 16th Annual Conference in Cairo, Egypt, November, 07-09, 2009. (Discipline-based Scholarship) “Irrational Exuberance on the Saudi Stock Exchange” (with Sam Hakim) Personated at the ERF’s 15th Annual Conference in Cairo, Egypt, November, 23-25, 2008. (Discipline-based Scholarship) “Ethics and Corporate Governance in Principles of Financial Management”; (with A. Redman and N. Gullett). Presented at the 35th Annual Meeting of the Academy of Economics and Finance; Nashville, Tennessee, February 14-15, 2008. (Discipline-based Scholarship) “Intertemporal Test of Beta Stationarity Performance of Islamic Sector Structured Mutual Funds”.(with Ghassem Homaifar and Said Fakhani), presented at the ERF's 14th Annual Conference in Cairo, Egypt, December 28-30, 2007. (Discipline-based Scholarship)

“The Impact of War and Terrorism on Sovereign Risk in MENA Countries”. (with Sam Hakim), presented at the ERF's 14th Annual Conference in Cairo, Egypt, December 28-30, 2007. (Discipline-based Scholarship) “Ethics in Portfolio Management: How Financial Educators Can Encourage the Ethical Behavior of Undergraduate Finance Students” presented at the Financial Education Association, Fairmont Southampton, Bermuda, September 27- 28, 2007. (Discipline-based Scholarship) "Balance of payment problems: the case of Argentina, Brazil and Chile" (With G. Homaifar), presented at the IAREP-SABE GONGRESS (Behavioral Economics and Economic Psychology), Paris, France, July 5-8, 2006 (Discipline-based Scholarship) "Foreign exchange Rate risk, interest rate risk, and the Roll over risk: The Causes of Financial Crises in the South American Economics" (With G. Homaifar), presented at the Global Finance Conference, Rio de Janeiro, Brazil, April 26-28, 2006 (Discipline-based Scholarship) "An Integrated Risk Measurement For Islamic Banks: An Analysis of Bahrain & Saudi Arabia", (with Sam Hakim), Presented at the second International Conference on Islamic Banking, Kuala Lumpur, Malaysia, 7-8 February 2006. (Discipline-based Scholarship) “An Intertemporal Test of the Beta Stationarity the case of Egypt” Background papers will be distributed as part of the documents of ERFs Twelfth annual conference to be held in Cairo at the Grand Hyatt Hotel during the period 19-21 December 2005. (Discipline-based Scholarship) "The Cost of Sovereign Lending in the Middle East After September 11" presented at the Middle East and North African Economies: Past Perspectives and Future Challenges conference, Brussels, Belgium, June 2-4, 2005. (Discipline-based Scholarship) "Sovereign and Country Risk in MENA Counties" (with Sam Hakim) presented at the 2004 Academy for Global Business Advancement Conference, New Delhi, India, January 7-9, 2004. (Learning and Pedagogical) “Futures Market Efficiency and the Federal Budget Deficit”. (with Omar M. Benkato, and Amin M. Haddad), presented at the International Academy of Business and Economics (IABE) Annual Conference, Oct. 19-22, 2003. (Discipline-based Scholarship) Review of the United Nations Development Program (UNDP) “Arab Human Development Report 2002.” (with S. Hakim) Presented at the Ninth Annual Conference of the Economic Research Forum, Sharjah, United Arab Emirates, October 26-29, 2002 (Contribution to Practice)

"Coping with the Risk of Interest Rate Fluctuations: The Case of Kuwait Banks" (with Omar Benkato and Al-Loughani) Presented at the Inter national Business & Economics conference, Las Vegas, Nevada, October 7-11 2002. (Contribution to Practice) “Students As Fiduciaries: An Examination of the performance of Student Managed portfolios” (with A. Redman) presented at the Academy of Financial Services, San Antonio, Texas, October 15-16, 2002 (Contribution to Practice) "Taxes, Tariffs, and Duties and International Electronic Commerce" (with J. Newton) Presented at the 8th Annual Conference on Marketing Strategies for Central and Eastern Europe, Vienna, Austria, December, 13-15, 2000 (Contribution to Practice) "Quicken.Com for Portfolio Structure, Simulation, Sectorization and Asset's Allocation and Management"(With T. Zaher), Presented at the 14th Annual Meeting of the Academy of Financial Services, Seattle, Washington, October 25, 2000 (Learning and Pedagogical) "E Trade Training: Using the Web for the MENA Region Inquisitive Investors" (with A. Yasin and J. Alavi) Presented at the Economic Research Forum Seventh annual conference, Amman, Jordan, October 26-29, 2000. (Learning and Pedagogical) "Jordan's Tourism Potential and Market Realities" (with A. Yasin and J. Alavi) Presented at the Economic Research Forum Seventh annual conference, Amman, Jordan, October 26-29, 2000 (Contribution to Practice) "International trade Factors and the Electronic Commerce" (With Omar Benkato and Tarek Zaher), Presented at the International Applied Business research Conference. Puerto Valletta, Mexico, March 13-17, 2000 (Discipline-based Scholarship) "Comparison of Schwarz Information Criterion and Likelihood Function in the Context of Piecewise Regression." (With A. Nanthakumar).Presented at the 1999 Annual Meeting of the Decision Sciences Institute. New Orleans, Louisiana, November 20-23, 1999 (Discipline-based Scholarship) "Coping With the Risk of Interest Rate Fluctuations: Returns to Financial Intermediaries From Naive and Optimal Strategies, The Case of Kuwait Banks" (with Omar Benkato and Nabeel Al-Loughani), Presented at the 1999 Annual Meeting of the Economic Research Forum, Cairo, Egypt, October 28-31, 1999. (Contribution to Practice) "Recent Developments In the Use of the Internet: An Updated Tutorial for Finance Instructors" (with Tarek Zaher) Presented at 1999 Annual Meeting of the Academy of Financial Services, Orlando, Florida, October 6-11, 1999. (Learning and Pedagogical)

"Electronic Commerce" (with O. Benkato), presented at the Academy of Business Administration National Conference in Reno, Nevada, April 13-18. 1999. (Learning and Pedagogical) "The Egyptian Capital Markets" (with Monier S. Hindy) presented at the Financial Management Association Annual Meeting in Chicago, Illinois, October 15- 18, 1998. (Discipline-based Scholarship) "New Developments in the Use of the Internet in Teaching Investment Courses" (with T. Zaher) presented at the Academy of Financial Services Annual meeting in Chicago, Illinois, October 14-16, 1998. (Learning and Pedagogical) "Using the Super Highway in Teaching Business Curriculum" presented at the Ministry of Higher Education Conference on Information Technology in Higher Education, at the An-Najah National University-Nablus, Palestine, May 20-21, 1998. (Learning and Pedagogical) “Ivory Tower Versus the Real World: How Financial Academician Approach Investing”. Presented at the Southern Finance Association Annual meeting in Marco Island, Florida. (With A. Redman), 1998. (Learning and Pedagogical) "The Palestinian Stock Exchange and the Banking Sector in the Palestine Region" presented at the Financial Management Association Annual Meeting in Honolulu, Hawaii, October 15- 18, 1997. (Contribution to Practice) "Mortgage Default: An Accelerated Failure-Time Analysis of Borrower and Loan Characteristics" (with S. Hakim, T. Zaher) presented at the Financial Management Association Annual Meeting in Honolulu, Hawaii, October 15- 18, 1997. (Discipline-based Scholarship) "Risk and Risk Management Methods" Presented at the Middle East and North African Conference of Economics, International Trade and Capital in Cairo, Egypt, August 2-4, 1997. (Discipline-based Scholarship) "Interest Rate Swaps." (With O. Benkato) Presented at the Midwest Decision Science Annual Meeting in Indianapolis, Indiana, April 1997. (Discipline-based Scholarship) "The Investment Management Practices of Financial and Economic Academics" (with A. Redman, F. Voorheis and H. Nussbaum) presented at the Southern Finance Association annual meeting, New Orleans, Louisiana, March 1997. (Contribution to Practice) "Is the Variable Interest Rate Mortgage a Giffen Goods" Presented at the International Association of Middle Eastern Studies Conference in Amman, Jordan, April 10- 14, 1996. (Discipline-based Scholarship)

"Borrower Attributes and the Risk of default on Conventional Mortgages" (with S. Hakim). Presented at the Atlantic Economic Society Meeting in San Francisco, January 5-7, 1996. (Discipline-based Scholarship) "Can Option Prices Forecast Earnings Per Share"(With T. Zaher and A. Haddad) Presented at the Decision Science Institute annual meeting in Boston, Massachusetts, November 20-22, 1995. (Discipline-based Scholarship) "The Determinants of the Closing Rate on Residential Mortgage Contracts" (with S. Hakim, M. Rashidian, and E. Rosenblatt) presented at the Financial Management Association Annual Meeting in St. Louis, Missouri, October 12-15, 1994. (Discipline-based Scholarship) "The Impact of Changes in the Accounting for Post-retirement Benefits on Stock Prices: An Empirical Analysis" (with Saul Z. Barr, Arnold L. Redman and Arnold Cowan) Presented at the International Atlantic Economic Conference, October, 1994. (Contribution to Practice) "Seasonality, Financial and Non-Financial Prepayment on Fixed-Rate Mortgages" (with S. Hakim) presented at the Financial Management Association Annual Meeting in Toronto, Canada, October 14-18, 1993. (Contribution to Practice) "The Response of Financial Futures Prices to Weekly Unanticipated Changes in Money Supply" (with O. Benkato) presented at the Midwest Finance Association, Indianapolis, Indiana, April 7-9, 1993. (Discipline-based Scholarship) "An Empirical Analysis of the day-of-the-week Effect in Stock Returns: The Case of U.S. and Japan (with R. Ajayi and L. Tetrick) presented at the Southern Finance Association Annual Meeting, Jacksonville, Florida, November 18-21, 1992. (Contribution to Practice) "The Economic Factors and Futures Contracts Price," (O. Benkato) presented at the Midwest Finance Association, Chicago, Illinois, March 26-28, 1992. (Discipline-based Scholarship) "Premium of Parity on Call Options and Corporate Takeover Rumors," (with O. Benkato) presented at the ABA National Conference, Las Vegas, Nevada, February 26-29, 1992. (Discipline-based Scholarship) "On the Relationship Between International Equity Market Returns and the Exchange Rate: A Structural Equation Model," (with R. Ajayi and L. Tetrick) presented at the FMA Annual Meeting, Chicago, Illinois, October 9-12, 1991. (Discipline-based Scholarship) "Option Listings and Bid-ask Spreads," (with A. Cowan) presented at the Financial Management Association Annual Meeting, Orlando, Florida, October 24-27, 1990. (Discipline-based Scholarship)

"Inflation Uncertainty and Federal Reserve Policy," presented at the Midwest Business Administration Association Annual Meeting, Chicago, Illinois, March 14-16, 1990. (Contribution to Practice) "Implications of the Inter-Temporal Instability of International Market Risk on the Potential Benefits of International Diversification in the Floating Exchange System," (with O. Benkato and M. Essayyad) presented at the FMA Annual Meeting, New Orleans, Louisiana, October 19-22, 1988. (Discipline-based Scholarship) "Interest Rate Risk Immunization Using Duration Vector Approach: An Application to Mutual Funds Balance Sheet," (with R. Neveu and O. Benkato) presented at the FMA Annual Meeting, New Orleans, Louisiana, October 19-22, 1988. (Discipline-based Scholarship) "Efficiency of Major Stock Exchanges: The Impact of Option Listing and De-listing on Share Price Volatility," (with F. Voorheis) presented at the FMA Annual Meeting, New Orleans, Louisiana, October 19-22, 1988. (Contribution to Practice) "The Impact of Initial Option Listing on the Underlying Security's Risk," (with F. Voorheis) presented at the FMA Annual Meeting in Las Vegas, Nevada, October 1987. (Discipline-based Scholarship) "Bank Interest Margin Sensitivity in a Sequential Adjustment/ Adaptive Expectation Portfolio Model," (with G. Homaifar and D. Grady) presented at the FMA Annual Meeting, Las Vegas, Nevada, October 1987. (Contribution to Practice) "Money Supply Announcements: It's Impact on Financial Futures Contract Prices," (with Omar Benkato) presented at the Pan-Pacific Conference, Taipei, Taiwan, May 17-20, 1987. (Contribution to Practice)

"Asset Liability Management in Credit Unions" (with O. Benkato and M. Bayou) presented at Midwest Business Administration Association Annual Meeting, Chicago, Illinois, March 23-25, 1988. (Contribution to Practice) "The Impact of Unanticipated Change in Inflation on the T-Bond and T-Bill Futures Prices," (with Omar Benkato) presented at the Midwest Finance Association Annual Meeting, Chicago, Illinois, April 6-9, 1988. (Contribution to Practice) "Interest Rate Risk Immunization Using Duration Vector Approach: An Application to Commercial Banks Financial Statements (with O. Benkato and A. El-Darrat) presented at the Eastern Finance Association Annual Meeting, Ball Harbor, Florida, April 20-23, 1988. (Discipline-based Scholarship) "A Survey on Forecasting Earnings," (with Omar Benkato, G. Homaifar, and Monier Hindy) presented at the Midsouth Academy of Economics and Finance, Mobile, Alabama, February 1987. (Contribution to Practice)

"Effect of Money Supply on Interest Rate Futures Contracts," (with Billy Helms and Omar Benkato) presented at the Southern Finance Association 1986 Annual Meeting, New Orleans, Louisiana, November 16, 1986. (Discipline-based Scholarship) "Comparative Intertemporal Tests of the Beta Stationarity Based on the Mean-Lower Partial Moment and Mean-Variance CAPM," presented at the South Western Financial Association Annual Meeting, Dallas, Texas, March 1986. (Discipline-based Scholarship)

"Bank Management Analysis: A Portfolio Approach, (with Ghassem Homaifar and Monier I. Hindy) presented at the Midsouth Academy of Economics and Finance, Memphis, Tennessee, February 1986. (Discipline-based Scholarship) BOOK REVIEW “Fundamentals of Investment Management” Hirt & Block, 9e, McGraw- Hill/Irwin, 2008 “Essentials of Investments” Bodie, Kane & Marcus, 7e, McGraw- Hill/Irwin, 2008 Chapter reviewer "Investments: Analysis and Behavior" By Mark Hirschey and John Hofsinger, forthcoming, McGraw-Hill publishing Co. October, 2006 FinanceWorks to accompany Gitman, Princcples of Managerial Finance, 10/e and Gitman, Principles of Managerial Finance, Grief, 3/e 2005. "Fundamental of Investment Managemen6t" By Geoffery A. Hirt and Stanley B. Block, 6/e, Irwin/McGraw-Hill Company, 2000 "Financial Futures, Options, & Swaps" by Alan L. Tucker. West Publishing Company, 1991. Other Published Works "Mechanics of Option Trading," International Journalist, September 19, 1990, P. 9. "Option Contracts," International Journalist, August 1, 1990, P. 5. "Options Trade and Futures Trade," International Journalist, July 1990, P. 9. "Rate of Change in Price Expectation and Demand for Money," AL-Bayader Assiyasi, No. 236, August 1, 1987, P. 76. "U. S. Politics and the Financial Markets," AL-Bayader Assiyasi, No. 244, March 14, 1987, PP.20- Research in Progress "An Integrated Risk Measurement For Islamic Banks: An Analysis of Bahrain & Saudi Arabia", (with Sam Hakim), submitted to the Review of the Middle East Economics and Finance

“Ethics in Portfolio Management: How Financial Educators Can Encourage the Ethical Behavior of Undergraduate Finance Students,”. (With Arnold Redman and Nell Gullett).

"Investment: Ethics and Insider-Trading" (with Arnold Redman and Nell Gullett). "Sequential Pay Asset Backed Securitization: A Case Study", With (Ghassem A. Homaifar) Other Scholarly Activity Chairperson of the University of Tennessee at martin research committee, 2012-13 Member of the examination board of Mohamad Ahmed PhD desertation titled “ The WTO-EU Environment Policies for the International Olive Oil Market and Trade Competitiveness: Case Study for Syria”. Technische Univesitat Chemnitz, Strabe der Nationen 62, 09111, Chemnitz, Germany, January 2013. Featured by the Jacksonsun newspaper, “Businesses waiting on November results Who will win race for the White House?, BY NED B. HUNTER, NHUNTER@JACKSONSUN.COM; AUGUST 26, 2012 http://www.jacksonsun.com/apps/pbcs.dll/article?AID=2012308260017 External evaluator of Mr. Abdel-Rahman Al-Ewesat MBA thesis titled “Econometric Techniques to Examine Volatility in PEX Bulls and Bears and the Causal Relationship between PEX, ASE and TASE” AlQuds University, Jerusalem June, 26, 2012 Featured by the Jacksonsun newspaper, “Higher prices may hamper recovery, BY NED B. HUNTER, NHUNTER@JACKSONSUN.COM; MARCH 06, P 6 2012. http://pqasb.pqarchiver.com/jacksonsun/access/2612211621.html?FMT=ABS&date=Mar+18%2C+2012

Featured by the Commercial Appeal, Memphis, Tennessee newspaper, “Briggs & Stratton closing is another blow to already-struggling W. Tenn. region” by, BY TED EVANOFF, JANUARY 26, 2012. http://www.commercialappeal.com/news/2012/jan/26/briggs-stratton-close-newbern-plant-west-tennessee/

Lectured on “From Tennessee to Jerusalem, Investing in the future" to Martin, Tennessee Rotary Club. January 19, 2012 Member of the University of Tennessee at martin research committee, 2011-12 Member of the Panel discussion on Dealing with Difficult Students-UTM, Meek Library, Sponsored by the office of Research, Grants, and contracts, the University of Tennessee, Martin, November 16, 2011 Lectured on “Reflections on the Current Situation in the Middle East and its impact on USA “at UTM – Humanity auditorium, Co-sponsored by the Department of Accounting, Finance,

Economics and International Business & the Center for Global Studies, the University of Tennessee, Martin, October 14, 2011. Lectured on “ Egypt travel experience and the current uprising in Egypt", Sponsored by Center for International Education and Department of Accounting, Economic, Finance and Political Science, University of TN at Martin, February 2, 2011 I attended and participated in the first Palestinian insurance conference, Jericho, June 29, 2010 Presentation on my USAID Scope of Work and the past five month teaching and advising experience at AlQuds University, I presented to Dr. Sari Nisiba, President AlQuds University, Dr. Mahmoud AlJafari, Dear College of Commerce and Business; Mr. Fadi Abdelatif, USAID; Mr. Tim Nourse, AED; Mr. Nabil AlMasri, ESAF; and College of Business faculty, staff and students my assessments and feedback of AlQuds University’s educational system’s support and shortcomings. I made suggestions for improvements at every layer of the university makeup. AlQuds University, Jerusalem, June 23, 2010. Seminar titled “Bank Mergers and Acquisitions Lessons from Global Experience and the Expected Palestinian Banking Requirements”. The seminar was presented to chairmen of the board of directors, general and regional managers of monetary and financial institutions, general managers of auditing companies and deans of colleges of business in the West Bank. The level of the attendees’ skills in the business art is high. The seminar was organized and sponsored by PIFBS, WDI - AED - ESAF-USAID. June 15, 2010 I gave lecture to Arrob University Faculty and staff titled “Global financial crisis and in its impact on the Palestinian economy” Arrob, May 31, 2010 Lectured to Dr. Affif Hammad’s MBA class on financial statements structure and analysis, Performa of financial statements, and ratio analysis and utilization, utilizing Internet and web addresses. AlQuds University, Jerusalem, May 27, 2010 Moderated the presentations of Dr. Jihad Al Waizer, Governor, the Palestinian Monetary Authority, Mr. Farid Ghanam, Director of Budget, Palestinian Ministry of Finance; and Dr, Mahmoud AlJafari, Dean College of Business and Commerce, AlQuds University on the ability of the Palestinian Authority to utilize and implement economic policies, fiscal and monetary policies, national budget content and preparation methods and the Palestinian monetary policy in light of the current financial crisis. AlQuds University, Jerusalem, May 25, 2010 Presentation to Kadoorie Palestinian Technical University students, staff and faculty, Tulkarm, Palestine, titled “ The contagious effect of the current global financial crisis on the European economies in general and on the Palestinian economy in particular” TulKarim, May 17, 2010 Presentation to BirZiet University students, staff and faculty. Bir Ziet, Palestine, titled “The contagious effect of the current global financial crisis on the European economies in general and on the Palestinian economy in particular” BirZiet University, BirZiet, May 15, 2010 I participated and discussed the United Nations Conference on Trade and Development paper titled “Integrated Simulation Framework for Palestinian Macroeconomic, Trade and Labour Policy” Presented by Dr. Mahmoud Al-Kafif, Director of the UNUCAD Palestinian program. AlQuds University, Jerusalem, April 15, 2010

I participated and discussed the paper of Dr. Usama Kanaan, mission chief and resident representative, International Monetary Fund (IMF), West Bank and Gaza titled “The current and prospects of the Palestinian economy” AlQuds University, Jerusalem, Aril 10, 2010 I lectured to Al-Quds Faculty College of Business and Economics on methodology utilization in the f2f, distant and online classroom. AlQuds University, Jerusalem, April 7, 2010 I participated and discussed the paper of Dr. Abdel Star Qassem of Al Najah University titled“Liberation from the economy of gambling and deception: A treatise on political economy.” AlQuds University, Jerusalem, March 21, 2010 Delivered joint public lecture (with Dr. Tarek Zaher) to the College of Business students and faculties “on the causes and possible remedies of the current financial crisis in general and on Dubai financial crises in particular”. AlQuds University, Abu Dies, West Bank, December 20, 2009 Attended a lecture delivered by Professor Jamal Zarrouk, Head of the Economics Department, at the Arab Monetary Fund, AbuDabi. The lecture focused on “ Dubai Financial Crisis”. I made detailed comments along with possible remedies for the global financial crisis in general and Dubai financial crisis in particular. ”. AlQuds University, Abu Dies, West Bank, December 30, 2009 Featured by the Jacksonsun newspaper, “local recovery seems distant to job seekers, BY NED B. HUNTER, NHUNTER@JACKSONSUN.COM; SEPTEMBER 28, 2009. http://www.jacksonsun.com/apps/pbcs.dll/article?AID=2009909280301&GID=zuiQNRQPVSbh8+DlTRmpOg05CZz5lZCeCaSUnKuEwD8%3D#pluckcomments Wrote an evaluation report on the PhD thesis titled “Determinants of National Employment in Public and Private Sectors in the state of Kuwait” By Hamed Ali H. Al-Rashidi, School of Economics and Finance, University of Western Sydney, June 19, 2009 Featured by the Jacksonsun newspaper, “County jobless rate at 10-year high” by, BY NED B. HUNTER, NHUNTER@JACKSONSUN.COM; MARCH 28, 2009. http://www.jacksonsun.com/apps/pbcs.dll/article?AID=2009903280304 Lectured on “My Journey to Hajj or Mecca“ at UTM - Legislative Chamber, UC, Co-sponsored by the Department of Accounting, Finance, Economics and International Business & the Center for Global Studies, the University of Tennessee, Martin, February 24, 2009 http://webcast.utm.edu/UTMms01/Viewer/?peid=3eb7543952e4435e876262054c21d6cb Lectured on “Middle East Perception of the United State of America“ at UTM – Watkins Auditorium, UC, sponsored by the US students for Democracy, the University of Tennessee, Martin, February 12, 2009 Lectured on “The Eight Mistakes Investors Make and How to Avoid Them “at Martin Kiwanis Club, Martin, Tennessee; January 21, 2009. Featured by the Jacksonsun newspaper, "More Layoffs Likely in ‘09" Article published by Ned Hunter, Dec. 14, 2008. http://www.jacksonsun.com/apps/pbcs.dll/article?AID=/200812140520/BUSINESS/812140309

Written Report and evaluation of the Ph.D. thesis entitled: “Attitude of Kuwaiti Companies toward using Services of Foreign Auditors” By Nabi Alduwaila, University of Wollongong, Australia, 2008 “Workshop on methods of enhancing researchers’ abilities to conduct research and improve the quality of their contribution as to satisfy publication in famous world journals”. 7th International Conference for Islamic Economic to be held on 01/04/2008 to 03/04/2008 at Jeddah, Kingdom of Saudi Arabia. Lectured on “The Advantages and Disadvantages of Maintaining the Fixed Exchange Rate Regime” Center of Strategic Research, University of Jordan, Amman, Jordan; January 17, 2008. http://www.jcss.org/SubDefault.aspx?PageId=79&EventId=135 Lectured on “Current value of the US dollar Vs. the Euro; it impact on US and the rest of the world” to Al-Quds University graduate program, University of Al-Quds, Jerusalem, Palestine, January 7, 2008 Conducted a workshop on “United States versus Middle East college teaching and assessment methods” to Al-Quds University, College of business faculty and staff, University of Al-Quds, Jerusalem, Palestine, January 7, 2008 Subject matter expert, Stalla Review for the CFA Exams, DeVry/Becker Educational Development Corp. 2007, 2008

Lectured on “Personal budgeting and investment" Martin Cal Ripken Centre, Martin; Tennessee, October 30, 2007 Lectured on “Personal budgeting and investment" to Dr. Michelle Hortons’ Senior Social Work majors class, University of Tennessee, Martin; October 29, 2007 Lectured on “Current Situation in the Middle East “at Martin Rotary Club, Tennessee, Martin, April 5, 2007.

Lectured on “MENA investments opportunities “to Al –Quds University via Teleconferencing Sponsored by the University of Tennessee, Martin, February 12, 2007. Lectured on “Reflections on the Current Situation in the Middle East “at UTM - Legislative Chamber, UC, Co-sponsored by the Department of Accounting, Finance, Economics and International Business & the Center for Global Studies, the University of Tennessee, Martin, February 6, 2007. "Introduction to Derivatives; Accounting seminar on improving the Accountant's Professional Skills, Sponsored by: UT Martin Department of Accounting, Economics, Finance and the Office of Extended Campus Continuing Education, September 19-20, 2006 Session chair " Financial Crises and the Stock Market" the Global Finance Conference, Rio de Janeiro, Brazil, April 26-28, 2006 Featured by the Jacksonsun newspaper, "Rare coins sometimes prove to be a golden investment" Article published by Ned Hunter, Sep 17, 2006. http://www.jacksonsun.com/apps/pbcs.dll/article?AID=/20060917/BUSINESS/609170304&SearchID=73257236065017 Member UTM Chinas fact finding delegation committee. March, 4-19; 2006.

Lectured on “The Five Pillars of Islam, the Ethical Teaching of Islam and Some main theological differences between Islam, Christianity and Judaism “to Dr. Parker Religion of the world class Sponsored by the University of Tennessee, Martin, January 31, 2006. Discussant, "The efficiency of foreign and domestic banks in MENA region: evidence on economies of scale and scope" by Ibrahim Saif and Hadeel Yaseen. ERF 12th Annual Conference, 19-21 December, Cairo, Egypt , 2005

Lectured on “The Five Pillars of Islam, the Ethical Teaching of Islam and Some main theological differences between Islam, Christianity and Judaism “to Dr. Parker Religion of the world class Sponsored by the University of Tennessee, Martin, February 3, 2005.

Interviewed by the Egyptian Nile TV to discuses the current economic infrastructure of Palestine. December 15, 2004 Featured in Jackson Sun News Paper. “ Mortgage rates low despite Fed”. Jackson, Tennessee, September 21, 2004 Featured in The Pacer News Paper. “ UTM professor offers solutions for Middle East Peace”. Martin, Tennessee, September 04, 2004. http://pacer.utm.edu/view_article.php?article=1775 Featured in Jackson Sun News Paper. “ Gold Lures investors in rocky economies”. Jackson, Tennessee, August 15, 2004 Featured in Jackson Sun News Paper. “Analysts mixed about Pentair: Black and Decker is Buying Tools Group for $775 in Cash”. Jackson, Tennessee, July, 21, 2004

Language Interpreter, Martin Police Department and Dresden Juvenile court, Martin, Tennessee, June –

July, 2004 Lectured on “The Five Pillars of Islam, the Ethical Teaching of Islam and Some main theological

differences between Islam, Christianity and Judaism “to Dr. Parker Religion of the world class Sponsored by the University of Tennessee, Martin, July 21, 2004.

Lectured on “The Five Pillars of Islam, the Ethical Teaching of Islam and Some main theological

differences between Islam, Christianity and Judaism " to First Methodist Church, Sponsored by the University of Tennessee, Martin, June 9, 2004.

Presentation “Palestinian/Israeli conflict” Watkins Auditorium, Sponsored by The Office of Multicultural Affairs, Center for Global Studies, and International Student Association. University of Tennessee-Martin, April 2, 2004 Lectured on " The Five Pillars of Islam, the Ethical Teaching of Islam and Some main theological differences between Islam, Christianity and Judaism " to Dr. Parker class, University of Tennessee, Martin; March 23, 2004.

Lectured on " The Five Pillars of Islam, the Ethical Teaching of Islam and Some main theological differences between Islam, Christianity and Judaism " to Governor's School for Humanities class, Sponsored by the University of Tennessee, Martin; July 16, 2003.

Lectured on " The Five Pillars of Islam, the Ethical Teaching of Islam and Some main theological differences between Islam, Christianity and Judaism " to Martin Teachers association, Sponsored by the University of Tennessee, Martin, March 29, 2003. Lectured on " The Five Pillars of Islam, the Ethical Teaching of Islam and Some main theological differences between Islam, Christianity and Judaism " to Martin First Papist Church, Martin, February 16, 2003. Lectured on " The Five Pillars of Islam, the Ethical Teaching of Islam and Some main theological differences between Islam, Christianity and Judaism " to Governor's School for Humanities class, Sponsored by the University of Tennessee, Martin, July 7, 2001, 2002. Article appeared at the University of Tennessee Alumni Magazine. Concerning the UTM educational mission at AAUJ in Palestine. Fall 2001. Interviewed by TV Palestine. Concerning the Palestinian uprising and its impact on higher education on Palestine. April 2001 Interviewed by Palestine Voice Radio concerning the educational and technological edge AAUJ implements in its educational mission. March 2001. Featured by the Jackson Son newspaper, Concerning the UTM educational mission at AAUJ in Palestine. January 2001. Interviewed and featured by Channel Six News of Paducah, Kentucky, regarding AAUJ, Palestine, January 5, 2001 Featured by Weakley County Free Press of Martin Tennessee, regarding AAUJ, Palestine, January 4, 2001 Panel discussion participant at the Financial Management Association meeting, Seattle, WA., on Students As Fiduciary Managers: The TVA Investment Challenge. November 19-22, 2000. Participated in the World Bank and Economic Research Forum workshop entitled: Macroeconomic Management Financial Sectors Issues: Training Seminar. Cairo, Egypt, October 27, 1999. Participated in "Benefiting from Globalization Workshop" of the Second Mediterranean Development Forum (MDF), Sponsored by the Economic Development Institute of the World Bank, in collaboration with the Kingdom of Morocco, Marrakech, Morocco, September 3-6, 1998. Interviewed by the Morocco National Television regarding the impact of Globalization integration on the Middle East and North African (MENA) region, Marrakech, Morocco, September 4, 1998. Lectured on " The Five Pillars of Islam, the Ethical Teaching of Islam and Some main theological differences between Islam, Christianity and Judaism " to Governor's School for Humanities class, Sponsored by the University of Tennessee, Martin, June 30, 1998. Served as an interpreter for the Union City Law Firm, Fowler, Prince & Webb, Union City, Tennessee, Martin, 1997 & 1998.

Interviewed by the Voice of Cairo Radio regarding business practices and implementations in USA and Egypt, 1997. Lectured on "Islam: The Five Pillars, The Major Theological Differences between Islam and Christianity, and the ethical teachings of the Prophet Mohammed (pbuh)." to Religions of the World Class, Department o Psychology, Philosophy and Religious Studies, University of Tennessee, Martin, April 4, 1997. Moderator, Careers in International Business and Economics Session. Business Week Career Day, Sponsored by the School of Business Administration, University of Tennessee-Martin, April 3, 1997. Participated in establishing an MBA program for Jerusalem School of Economic and Diplomacy, the Jerusalem School of Economic and Diplomacy, Ramalah, Palestine, 1997. Participated in establishing an MBA program for An-Najah National University, An-Najah National University, Nablus, Palestine, 1997. Served as a member of the MBA examination Committee, University of Tennessee at Martin, 1994-1997. Moderator, Careers in Finance and Investment Session. Business Week Career Day, Sponsored by the School of Business Administration, University of Tennessee-Martin, April 3, 1996. Lectured on " Islamic Religion and its Impact on Human relationship" to Philosophy 301 class, Department o Psychology, Philosophy and Religious Studies, University of Tennessee, Martin, April 4, 1996. Lectured on " The Five Pillars of Islam, the Ethical Teaching of Islam and Some main theological differences between Christianity and Islam" to Governor's School for Humanities class, Sponsored by the University of Tennessee, Martin, July 7, 1995. Lectured on " Diversity of Teaching Methods" to Multi cultural class, Department of Educational Studies, University of Tennessee, Martin, June 12, 1995. Lectured on " Islamic Religion" to Philosophy 301 class, Department o Psychology, Philosophy and Religious Studies, University of Tennessee, Martin, April 7, 1995. Lectured on "Global Finance: American's role and stakes" to the Great Decisions Program Audience, Sponsored by the Office of Extension services, Dyrsburg State Community College, February 21, 1995. Lectured on " Islamic Religion" to Governor's School for Humanities class, Sponsored by the University of Tennessee, Martin, July 5, 1994 Lectured on "Islam and Politics: Egypt, Algeria, and Tunisia" to the Great Decisions Program Audience, Sponsored by the Office of Extension Services, Dyrsburg State Community College, March 17, 1994. Lectured on "Pillars of the Islamic Religion" to Humanities classes, University of Tennessee, Martin, March 15, 1994. Lectured on " Multi-cultural Factors and aspects of Management Style" to Management 471 class, Department o Management and Marketing, University of Tennessee, Martin, September 1993 & 1994.

CONFERENCES ATTENDED Financial Management Association, Students Leadership conference. New York City, New York USA, March 13-14, 2013 Financial Management association, Hedge Funds Investing: Latest Developments, Special Panel Session Moderator. Atlanta, USA, October 17, 2012 Financial Management association, Hedge Funds Investing: Latest Developments, Special Panel Session Moderator. Denver, USA, October 20, 2011

10th International Conference of the Middle East Economic Association (MEEA) organized in collaboration with the Center for Research on the Economies of the Mediterranean (CREMed) Annual Conference in Barcelona, Spain, June 23-24, 2011.

ERF 17th Annual Conference in Antalya, Turkey, March 20-22, 2011. This paper was awarded the conference best paper in Finance studies.

Center for Research on the Economies of the Mediterranean (CREMed) Annual Conference in Barcelona, Spain, June 21-22, 2011.

RIES XI “Redefining Investment Strategy Education” , University of Dayton, Dayton, Ohio, March 31- April 2, 2011. “Unlocking the Potential of Regional Development Programs’ Organized by the Independent Evaluation Group (IEG) of the World Bank, At the World Bank, Washington, D.C. April 12, 2007 "Gender Economic Research and Policy Analysis (GERPA)". It is a component of the SAGE – MENA, sponsored by the World Bank. I participated in the e-business section proposals' reviewing process and presentation discussant. Kuwait, Kuwait, December 15-18, 2006. “ERF 13th Annual Conference” attended and participated in fellow members meeting and presentations. Kuwait, Kuwait December 15-18, 2006. “Mid-Continent Consortium for International Education: SYMPOSIUM ON CANADA” UTKC, Chattanooga, Tennessee, January 27, 2006. Session Moderator, Hedge Funds, Financial Management Annual meeting, Chicago, IL., October 12-15, 2005 “Participant and Paper discussant ERF Conference, Beirut, Lebanon, December 11-16, 2004 “Corporate Governance, Implication For Financial Services Firms” 39 Annual Conference on Bank Structure and Competition, Sponsored by Federal Reserve Bank of Chicago, Chicago, Illinois, May 8-9, 2003. "The TVA Investment Conference" Sponsored by Tennessee Valley Authority, Nashville, Tennessee, April, 2000, 2001, 2002, 2003.

"The TVA Investment Conference and Job Fair, Trading in the Futures" Sponsored by Tennessee Valley Authority, Nashville, Tennessee, November 4-5, 1999, 2000, 2002 "Virtual university and Distance Learning" Tutorial Sessions, Financial Management Association Annual Meeting, Orlando, Florida, October 7-10, 1999 "Using the Case Methods to Improve Teaching Effectiveness" Workshop For UTM Faculty, Martin, Tennessee, April 15-16,1999 "The TVA Investment Challenge." Sponsored by Tennessee Valley Authority, Nashville, Tennessee, October 22- 23, 1998. "The TVA Investment Challenge." Sponsored by Tennessee Valley Authority, Nashville, Tennessee, October 22- 23, 1998. "Creating a New Culture and Improving Your Teaching knowledge." Tutorial Session, attended at the Financial Management Association Annual Meeting in Chicago, Illinois, October 15- 18, 1998 "Futures and Options EXPO 98." Futures Industry Association 14th Annual Expo., Chicago, Illinois, October 14-16, 1998, "Seminar for Faculty Development in International Finance" Sponsored by the Center For International Business Education and Research (CIBERs) at the University of Memphis, Duke University, The Georgia Institute of Technology, Michigan State University, and the University of Connecticut. June 11 - 14, 1998. "The TVA Investment Challenge "Sponsored by Tennessee Valley Authority, Nashville, Tennessee, April 2-3, 1998. "Partners in Business Technology: Common Ground for Institutes, Colleges, and Universities." Sponsored by the University of Tennessee at Martin, March 21, 1997. The Chicago Board of Trade Seminar on applications of financial futures and options for educators sponsored by the Chicago Board of Trade, October 1994. "Teaching Critical Thinking and Problem Solving", Sponsored by the Faculty Development Program of the University of Tennessee, August 5, 1994. "Teaching Thinking and Problem Solving", Sponsored by the Center for Faculty Evaluation and Development, Memphis, Tennessee, March 1-2, 1994. "Improving College Teaching", Sponsored by the Center for Faculty Evaluation and Development, Memphis, Tennessee, February 28, 1994. The Federal Reserve Bank of St. Louis Professors' Conference on Current Economic Trends, Memphis, Tennessee, October 9, 1992. The Chicago Board of Trade Fifteenth Annual Spring Research Seminar sponsored by the Chicago Board of Trade, May 1991.

The Chicago Board of Trade Seminar on applications of financial futures and options for educators sponsored by the Chicago Board of Trade, April 1991 The 17th Annual Third World Conference sponsored by the Chicago based Third World Conference Foundation, Inc. Detroit, Michigan, April 4-6, 1991 The Chicago Board of Trade Winter Educational Seminar, Chicago, Illinois, April 27-28, 1989 The Chicago Board of Trade Fall Research Seminar, Chicago, Illinois, December 6-7, 1987 Technical Analysis and Securities Market Research Symposium sponsored by the Financial Markets Research Institute of the University of Toledo, May 1986. The Chicago Board of Trade Conference on options and futures sponsored by the Chicago Board of Trade, 1985. Academy of International Business Conference, 1978 & 1979

Major Editorial Responsibilities

Member of the Editorial board, Journal of Global Business Research Member of AIMR's Speaker Network Program. The Middle East Business and Economic Review, Australia The International Business and Economic Review, Qatar The International Journal of Applied Business and Economic Research, India Member-Review Board Journal of Business and Economic Perspectives Journal of Global Business Research Quarterly Journal of Business &Economics

V. FACULTY/ TEACHING DEVELOPMENT ACTIVITIES

Travel study to Spain and Morocco; led a group of 6 students, 3 faculties and 2 community members to an educational and discovery trip to Spain and Morocco. Dec. 27, 2001 to Jan. 11, 2012 (2011) Participated in the finance exit exam (2010-2011) Participated in the review and update the finance curriculum (1997-2011). Serving as Co-Director of the UT-Martin TVA Investment Challenge program. UTM received awards for superior return performance for 2007 and 2009. Performed assessment of TVA student presentations in Finance 411 in fall semesters. Travel study to Egypt, took 11 students to Egypt during Christmas break, 2010 Worked with department chairman and finance faculty to coordinate acquisition of the Stock Investor Professional database and the Telemet Orion trading platform for Finance 411, 2010 Taught Fin 710 online course, 2010-2011

Attended ITC workshop on Livescrip Pen utilization, 2010 Attended ITC workshop on Blackboard classroom utilization, 2010-2011 Faculty advisor to UT-Martin International student’s organization, 2010-2011 Maintained mandatory office hours, 2010; 2011 Maintained course files, fall semesters, 2010, 2011 Distributed course evaluations fall semesters in Finance 311 and 411, 2010 and Finance 311, 2011 Administered course quizzes in Finance 311, and made Internet assignments in Finance 311 and 411. Assigned stock analysis reports for Finance 411 as part of the 2010 TVA Performance Report published in fall semester , 2010, 2011 Organized the fall TVA student presentations for TVA Advisory Board and guests, 2010,2011 Member of the TIEP search Committee (UTM ELI) , 2010 Member of UTM SAC finance committee, 2010 Attended training session on Connect for f2f and online teaching. Sponsored by McGraw Hill Publishing Co., UTM college of Business and Global Studies, Martin, TN. August 25, 2009 Developed and taught Fin 610 online. March, 2009.

Attended training session on Blackboard and Apresso for online teaching. UTM itc Center, Martin, TN. June 17, 2008 Testing and Assessment in finance” Session #39 . Academy of Business Education & Financial Education Association. Fairmont Southampton, Bermuda September, 27-28, 2007

Technology in Delivering Financial Education” Session #34. Academy of Business Education & Financial Education Association. Fairmont Southampton, Bermuda September, 27-28, 2007

"Teaching Business Ethics Seminar" Sponsored by AACSB International, Washington D.C.

November 2 - 3, 2006 Attended a Session on Entrepreneurial Finance: a Dialogue between Academician and Venture Capitalists, Financial Management Annual meeting, Chicago, IL. October 12-15, 2005 Attended a Session on Challenge of the Undergraduate Corporate Finance Courses, Financial Management Annual meeting, Chicago, IL., October 12-15, 2005

Member of UTM International study program committee. 2004-2005

Member of UTM Canadian Team” University to Tennessee- Martin, Martin, Tennessee, October 10-17,

2004 “Participated in the Young Scholar Academy” University to Tennessee- Martin, Martin Tennessee, June 6-12, 2004 “Participated in the summer IT workshop” University of Tennessee-Martin, Martin, Tennessee, May 17-21,2004 e-Teaching Certificate, The Internet Learning Institute & the Educational Technology Collaborative, The University of Tennessee, Knoxville, Tennessee, May 14, 2004 "UT Faculty development” Tutorial Sessions, University of Tennessee- Martin, Martin, Tennessee, April 16-17, 2004 “Economic Data and Monetary Policy-Making” For college teaching faculty. Sponsored by Federal Reserve Bank of St. Louis, St. Louis, Missouri, February 25, 2004. “Mid-Continent Consortium for International Education: SYMPOSIUM ON MEXICO” Lipscomb University, Nashville, Nashville, Tennessee, January 31, 2004

“Corporate Governance, Implication For Financial Services Firms” 39 Annual Conference on Bank Structure and Competition, Sponsored by Federal Reserve Bank of Chicago, Chicago, Illinois, May 8-9, 2003.

"The TVA Investment Conference" Sponsored by Tennessee Valley Authority, Nashville, Tennessee, April, 2000, 2001, 2002, 2003. "The TVA Investment Conference and Job Fair, Trading in the Futures" Sponsored by Tennessee Valley Authority, Nashville, Tennessee, November 4-5, 1999, 2000, 2002 "Fundamental of Investment Managemen6t" By Geoffery A. Hirt and Stanley B. Block, 6/e, Irwin/McGraw-Hill Company, 2000 "Virtual university and Distance Learning" Tutorial Sessions, Financial Management Association Annual Meeting, Orlando, Florida, October 7-10, 1999 "Using the Case Methods to Improve Teaching Effectiveness" Workshop For UTM Faculty, Martin, Tennessee, April 15-16,1999. "The TVA Investment Challenge." Sponsored by Tennessee Valley Authority, Nashville, Tennessee, October 22- 23, 1998. "The TVA Investment Challenge." Sponsored by Tennessee Valley Authority, Nashville, Tennessee, October 22- 23, 1998. "Creating a New Culture and Improving Your Teaching knowledge." Tutorial Session, attended at the Financial Management Association Annual Meeting in Chicago, Illinois, October 15- 18, 1998 "Futures and Options EXPO 98." Futures Industry Association 14th Annual Expo., Chicago, Illinois, October 14-16, 1998,

"Seminar for Faculty Development in International Finance" Sponsored by the Center For International Business Education and Research (CIBERs) at the University of Memphis, Duke University, The Georgia Institute of Technology, Michigan State University, and the University of Connecticut. June 11 - 14, 1998. "The TVA Investment Challenge "Sponsored by Tennessee Valley Authority, Nashville, Tennessee, April 2-3, 1998. "Partners in Business Technology: Common Ground for Institutes, Colleges, and Universities." Sponsored by the University of Tennessee at Martin, March 21, 1997. The Chicago Board of Trade Seminar on applications of financial futures and options for educators sponsored by the Chicago Board of Trade, October 1994. "Teaching Critical Thinking and Problem Solving", Sponsored by the Faculty Development Program of the University of Tennessee, August 5, 1994. "Teaching Thinking and Problem Solving", Sponsored by the Center for Faculty Evaluation and Development, Memphis, Tennessee, March 1-2, 1994. "Improving College Teaching", Sponsored by the Center for Faculty Evaluation and Development, Memphis, Tennessee, February 28, 1994. The Federal Reserve Bank of St. Louis Professors' Conference on Current Economic Trends, Memphis, Tennessee, October 9, 1992. The Chicago Board of Trade Fifteenth Annual Spring Research Seminar sponsored by the Chicago Board of Trade, May 1991. The Chicago Board of Trade Seminar on applications of financial futures and options for educators sponsored by the Chicago Board of Trade, April 1991 The 17th Annual Third Third_World Conference sponsored by the Chicago based Third World Conference Foundation, Inc. Detroit, Michigan, April 4-6, 1991 The Chicago Board of Trade Winter Educational Seminar, Chicago, Illinois, April 27-28, 1989 The Chicago Board of Trade Fall Research Seminar, Chicago, Illinois, December 6-7, 1987 Technical Analysis and Securities Market Research Symposium sponsored by the Financial Markets Research Institute of the University of Toledo, May 1986. The Chicago Board of Trade Conference on options and futures sponsored by the Chicago Board of Trade, 1985. Academy of International Business Conference, 1978 & 1979

AWARDS AND RECOGNITIONS Recognition from Gamma Pi Epsilon (University of Alabama) for outstanding scholastic achievement (1985) International Travel Award, Wayne State University, 1986, $1000 International Travel Award, Wayne State University, 1987, $1000 Competitive Summer Research Grant, Wayne State University, 1985, 1986, 1988, 1989, 1990 and 1991. Nominated for Wayne State university distinguished Faculty Award in Teaching, Wayne State University, 1989 & 1991. Competitive American Natural Resources Co., ANR Pipeline Fellowship, 1989. $10,000 Grant. Who's Who in American Education, 1993 Competitive Summer Research Grant, The University of Tennessee at Martin, 1992, 1994 & 1995. Competitive Faculty Development Grant, The University of Tennessee at Martin, 1994. International Travel Award, The University of Tennessee at Martin, 1996, $1,950. International Travel Award, The University of Tennessee at Martin, 1997, $2,000. Excellence In Research Award, School of Business Administration, The University of Tennessee at Martin, 1996 and 2008 Competitive Faculty Development Grant, The University of Tennessee at Martin, 1998 International Travel Award, The University of Tennessee at Martin, 1998, $2,750 Leading Market Technologies, Inc. Academic grant, 1998. $29,000.00 Grant Featured Scholar of the 1998-99 academic year, The University of Tennessee at Martin, 1998 International Travel Award. University of Tennessee at Martin, 1999, $1,500. 1999 Outstanding Faculty Member, Students Government Association, the University of Tennessee at Martin Who's who in American's teachers (Sixth Edition, 2000). Research Fellow, Economic Research Forum for the Arab Countries, Iran and Turkey (ERF), Cairo, Egypt, 2000 Excellence in Graduate and undergraduate Teaching Award, School of Business Administration, University of Tennessee at Martin, 2002, 2005, 2008, 2010 and 2011

Kentucky Colonel, Commissioned by Governor Paul E. Patton, Commonwealth of Kentucky, Frankfort, October 17, 2002 Designated as Highly Distinguished International Scholar in Finance by the Association of Arab Academic Leaders for the Advancement of Business and Economic Knowledge, 2003 International Travel Award. University of Tennessee at Martin, 2005, 2006 and 2009 $1,000 each. Faculty Development Technology Program Grant. University of Tennessee at Martin, 2007, $900. Best paper in finance studies, Measuring The Damage From Financial Integration In the GCC: Lesson Form the Global Crisis. (With Sam Hakim), awarded by the ERF 17th Annual Conference in Antalya, Turkey, March 20-22, 2011. The Bob Figgins Mentoring Award for Outstanding Service to Students, School of Business Administration, The University of Tennessee at Martin, 2011 VI.PUBLIC SERVICE/ UNIVERSITY SERVICE/ CONSULTING ACTIVITY Professional and Public Service

2009- Present Volunteer for Martin Public safety Arabic language interpreter, on call. 2008- Present Member of the advisory board, Talal Abu-Ghazaleh Organization –ACQM, Dubai, United

Arab of Emirates. 2005-Present Vice President- Organization of Arab Academic Leaders for the Advancement of Business

and Economic Knowledge (OAALABEK) 2003-Pesent Member of the Editorial board, Journal of Global Business Research 2003- Present Member of the Editorial board, Journal of Global Business Advancement(JGBA) 2002-Present Member of AIMR's Speaker Network Program. 2002-Present The Middle East Business and Economic Review, Australia 2002-Present The International Business and Economic Review, Qatar 2002-Present The International Journal of Applied Business and Economic Research, India 1993-Present Member-Review Board Journal of Business and Economic Perspectives 2004-2009 Faculty/Student Committee 2004- 2008 University Graduate council Committee 2004- Present Member of the Rotary Club. 1994-1996 Member-Editorial Board Journal of Managerial Finance 1994-1995 Track Chairperson Midwest Finance Association 1992-1993 Language Interpreter in Michigan Courts 1992-1993 Treasurer, American Arab Chamber of Commerce, Dearborn, Michigan 1979-1981 Civitan Club University Service 2012- Present Chairperson, Faculty Research Committee, UTM 2005-Present Member Graduate Faculty Committee- College, Ex officio/ 2005-Present Member Graduate Council Committee- University 2005-Present Member Faculty Senate -University 2004-Present Member Faculty Canadian Study Committee

2004-Present Member Faculty/ Students Development Committee 2001-2004 Member Faculty Resource Committee 1999-2000 Member State Residency Committee 1998-2008 Member Graduate Committee 1994-2004 Member-MBA Examination Committee 1996-1998 Senator, Faculty Senate, University of Tennessee-Martin 1993-1997 Curriculum Content and Evaluation Committee 1995-1996 Chairperson, Faculty Council Committee 1995-1996 Chairperson, Curriculum Content and Evaluation Committee 1994-1996 University Publications Committee 1993-1995 University Development Committee 1991-1992 School of Business Strategic Planning Committee 1990-1991 Chairperson, Research Committee 1988-1992, 94 Research Committee 1986-88 & 90-92 Senator, Faculty Senate, Wayne State University 1985-1991, 94 Salary Committee 1985-1991 Faculty Recruiting Committee 1985-1988, 94 Chairperson Recruiting Committee 1984-1992 Graduate Assistant Committee 1984-1988 Educational Policy Committee 1975-1977 Vice President, International Student Association 1974-1976 Senator, Student Senate Consulting Activity William Davidson Institute (WDI), Technical Expert consultant to Bethlehem and Al Quds Universities for the purpose of addressing their respective needs in regard to curricular development in the Finance field, West Bank, December 12 - 25, 2009 and August 12- 27, 2010. Jones Exhaust System Inc., Adamsville, Tennessee, 1993-1994. Cumberland Casting Company, Centerville, Tennessee, 1993-1994. Commodity Exchange in USSR Sponsored by ENI and a Pool of Italian Banks (Association of Italian Banks-ABI ). Braun, Kendrick, Finkbeiner, Schaffer & Murrhy Law Firm on the Wolohan Lumber Company vs. Prudential-Bache Securities, Inc Fadel Law Firm, 14450 W. Warren Ave., Dearborn, Michigan Dental Art Clinic, 16000 W. Dearborn, Michigan Mahine Mahajeri, D.D.S., P.C., 5470 Wessex CT, #109, Dearborn, Michigan C & R Nut & Candy Company, 6205 Middlebelt Road, Garden City, Michigan Tikoyan Auto Body, 6411 Schaefer, Dearborn, Michigan. State of Michigan, Department of Attorney General "An Evaluation of the Franges Formula as a Method to Calculate Reimbursement and Settlements," October 1988. Detroit's Department of Commerce "The Impact of Exports and Imports on Detroit's Labor Force" published in the Issues Relevant to the Labor Force in the Detroit Metropolitan Area, prepared in cooperation with the Center for Urban Studies, Wayne State University, January 1987. $2,500 Grant. VII. PROFESSIONAL SOCIETIES AND OTHER RELEVANT ACTIVITIES The American Finance Association The Western Finance Association The Eastern Finance Association Decision Sciences Institute Midwest Finance Association Southern Finance Association

The Financial Management Association Academy of Financial Services Academy for Global Business Advancement [AGBA] Referee for Professional Journals. Financial Practice and Education (JFMA) Financial Services Review Global Finance Journal Journal of Futures Markets Journal of Business and Economic Perspectives Journal of Business Research Journal of Financial Engineering Journal of International Finance Journal of Financial and Strategic Decisions Journal of Managerial Finance Midwestern Journal of Business and Economics Journal of Financial Education Journal of Energy Finance & Development Quarterly Journal of Business &Economics Journal of Global Business Research Journal of International Business and

Entrepreneurship Development www.inderscience.com/jibed

VIII. INTERNATIONAL TRAVEL Armenia, Austria, Belgium, Brazil, Canada, China, Egypt, England, France, India, Israel, Jordan, Kuwait, Lebanon, Malaysia, Mexico, Morocco, Netherlands, Palestine, Qatar, Saudi Arabia, Singapore, Syria, Taiwan, and United Arab Emirates.