Chairman & Chief Executive Officer


Chairman & Chief Executive Officer

November 9, 1995 - present

The Deltennium Group, Inc., a privately held company, functions as a holding company for several operating businesses for which Mr. Czarnecki is the principle shareholder:

  • Deltennium Capital, Inc., has investments in a number of new ventures primarily focused in retailing, best practices technology and financial services.

  • The Deltennium Group, is the company that functions as the platform for Mr. Czarnecki's turnaround management activities, leadership, governance and change management and seminar businesses. The entity is a "virtual organization" that has a broad range of colleagues who join Mr. Czarnecki as he takes on such assignments.

  • Deltennium Clips, Inc., owns and operates franchised hair salons doing business as Great Clips. The turnaround complete, this company is now adding to its portfolio of 23 stores through further acquisitions and new store builds.

  • We The People Mid-Atlantic, Inc., formed in 2001 to open retail par-legal document services office in the Mid-Atlantic. The company operates offices in Maryland, Hawaii and Florida, San Diego

UNC Incorporated
President & Chief Operating Officer

Annapolis, MD 21401
October 1, 1994 - October 1, 1995

Responsible for all General Business operations and certain staff functions of a multi-faceted New York Stock Exchange company referred to as "The Aviation Company." The Company with sales revenue in excess of $500 million had Operating Divisions in: 1) Manufacturing of jet engine parts and airframe components; 2) Gas turbine engine Overhaul; 3) Component Parts Overhaul and Repair and 4) Aviation Services which did primarily private sector outsourcing for military training, logistics, maintenance and support services.

IBM Corporation
Senior Vice President Human Resources & Administration

Armonk, NY
May 1, 1993 - May 9, 1994

Responsible for Worldwide Human Resources, Real Estate & Site Services, Non-Manufacturing Procurement, Market Driven Quality & Process Reengineering, Corporate aviation and corporate general administration.

Chairman of the Board & Chief Executive Officer

Honolulu, Hawaii
August 1, 1992 - May, 1993

After the July, 1992 successful sale of Honfed Bank, FSB to BankAmerica Corporation, remained as Chief Executive Officer responsible for operations of the $2.8 Billion subsidiary in Honolulu, Hawaii. Remained for transition period as bank was assimilated into the Bank of America organization.

HONFED Bank, A Federal Savings Bank
Chairman of the Board, President & Chief Executive Officer
Honolulu, Hawaii
December 1, 1987 - July 31, 1992

Joined a partnership and a shareholder group headed by former Secretary of the Treasury, William E. Simon and Preston Martin, former Vice Chairman of the Board of Governors of the Federal Reserve System. The group acquired Honfed Bank, a $2.8 Billion failed thrift in Honolulu, Hawaii. As Chief Operating officer of the holding company and CEO of the thrift subsidiary, was responsible for all operations which included traditional consumer banking operations, mortgage banking, a commercial and residential real estate development subsidiary and a large diversified securities portfolio including mortgage backed securities, derivatives and high yield bonds.

Honfed Bank was the only thrift over $1 Billion that was successfully re-capitalized after the imposition of new capital guidelines by federal regulation. The bank was restructured and reorganized with a major redirection of market focus and with major reduction of staff by 40%. When the company was sold it was achieving a return on assets in excess of 120 basis points.

ALTUS Bank, A Federal Savings Bank
President and Chief Executive Officer

Mobile, Alabama
April, 1984 - November, 1987

As Chief Executive Officer responsible for entire operations of a $3.0 Billion Savings & Loan; largest thrift in the state of Alabama, with 37 offices. Altus Mortgage serviced over $3.0 Billion in mortgages, and had 24 mortgage banking offices in Louisiana, Mississippi, Alabama, Florida, Texas, Tennessee and Georgia. Altus Mortgage USA had nine mortgage franchised offices in six states. Altus Bank also operated as a real estate developer through the operation of the Mitchell Company, one of the largest real estate developers in the Southeast.

Executive Vice President

Dallas, Texas
February, 1983 - April, 1984

Responsible for strategic planning, mergers and acquisitions, market research and market planning, corporate advertising, public affairs, public relations, non-creditservices product management, cash management services and human resources.

Senior Vice President - Finance
Dallas, Texas
March, 1982 - February, 1983

Responsible, as Senior financial officer, for Holding company Controllership, Tax, Treasury and Corporate Finance functions. Also responsible for all financial functions within Republic Bank Dallas, RepublicBank Houston as well as "dotted line" responsibility for all affiliate bank financial functions.

Executive Vice President, RepublicBank Houston
Finance and Administration
Houston, Texas
June, 1979 - March, 1982

Responsible for Controller, Audit, Corporate Counsel, Corporate Secretary, Personnel, Planning Research and Development, Marketing and Product Management, Facilities Management, Administrative Services, Bank Operations, Systems and Data Processing for a $1.5 Billion Bank in a $15 Billion Holding Company. Functioned as the number three man in the bank and provided primary operating management leadership for day-to-day functioning of the bank.


Orlando, Florida
February, 1979 - June, 1979

Chief Operating officer for a multiple data center computer processing company serving full proof of deposit and data processing operations for sixty (60) commercial banks.

Vice President, General Manager, Trust Department

Chicago, Illinois
June, 1973 - February, 1979

Full profit center responsibility for all services sold by the Trust Department to corporations. These included employee benefit plans, corporate custody, corporate trustee, corporate agency and stock transfer services. Served as chief of staff to department senior executive and also maintained responsibilities as officer in charge of Trust operations. Additional corporate duties included: Corporate Pricing committee; Corporate systems priority committee; Corporate non-credit services marketing task force; Corporate strategic planning task force; lecturer for operations management training program.

Continental Illinois National Bank and Trust Company of Chicago
Vice President, Operating General Manager

Chicago, Illinois
September, 1971 - June, 1973

Officer in charge of all securities handling, accounting, control and tax activities associated with the entire trust department.

Continental Illinois National Bank and Trust Company of Chicago
Operating General Manager, Bond Department

Chicago, Illinois
January, 1970 - September, 1971

Officer in charge of bond operations responsible for all operating activities associated with securities purchases and sales and portfolio management activities for Continental Bank, its commercial and retail customers and correspondent banks.

Continental Illinois National Bank and Trust Company of Chicago
Manager, Methods Research Division

Chicago, Illinois
March, 1968 - January, 1970

Assumed responsibility for the corporate internal consulting function which was responsible for major staff projects at the highest corporate level. Conducted studies on charge card credit and collections, loan processing and review, transfer of funds, check processing, teller operations, trust investment decision making process and management training. Additional responsibilities included clerical work measurement program, manual systems studies, operations research, forms design, control and procurement, records management, equipment evaluation, management and procurement and inventory control. This function was used as a training ground for the development of general managers within the bank operations. Virtually every operating general manager during the subsequent twenty years was hired by and/or trained in this Division during the 1965 to 1971 period.

Prior to March 1968:
Captain, United States Army, Assistant Chief of Staff, G-4, VI US Army Corps ( Jan 69 - Jan 70); US Army administrative and supply technician, US Army Reserve (while in graduate school - Jan 68 - Jan 69); night manager of apartment building (Jan 64 - Jan 65); machine shop foreman; apprentice machinist ( Feb 63 - Jan 64); Ist Lt. US Army (active duty - Aug 1960 - Feb 1963)


  • Board, State Farms Insurance Companies, 1998 - present; Chairman, Audit Committee, State Farm Insurance Companies, 1999 - present

  • Member, Board, State Farm Bank, 1999 - present

  • Member, Board, State Farm Fire & Casualty, 1999 - present

  • Member, Board of Directors, Del Global Technology, Inc, 2002 - present; Chairman of the Audit Committee, Del Global Technology, Inc, 2002 - present

  • Member, Board of Directors, ATM National, Inc., 2001 - present

  • Chairman, Board, InPractice, Inc. 2003 - present

  • Member, Advisory Board, CFM Partners, 2002 - present

  • Member, Advisory Board, Private Capital Corporation, 1998 - present

  • Member, Executive Committee and Board, Junior Achievement Worldwide, Inc., Chairman of Operations Committee, Chairman of Compensation Committee, 1994 - present

  • Member, Executive Committee and Board, Junior Achievement of South Florida, Inc. 2004 - present

  • Member, Vice Chairman of the Board of Trustees and Chair of Academic Committee, National University, 1994 - present

  • Chairman, South Florida Chapter, National Association of Corporate Directors, 2004 - present

  • Chairman of the Board and Founder, National Leadership Institute, Inc., 2004 - present

  • Faculty Member, National Association of Corporate Directors (NACD), 2002 - present


  • American Institute of CPA's
  • American Society for Quality (ASQ)
  • Who's Who in Finance & Industry, 1977 - present
  • Who's Who in America, 1982-present


  • M.A. Economics, Michigan State University, 1967
  • B.S. Economics,Temple University, 1965
  • C.P.A., Illinois, 1973
  • Doctor of Humane Letters, National University, 1994


  • Married to the former Lois Rae DiJoseph, a Summa Cum Laude B.S. graduate and class valedictorian of Penn State University, 1960, and a M. Ed. from Temple University. She is a teacher and writer of children's literature.

  • Have a daughter Robyn, who graduated from Hawaii Pacific University in 1994 with a B.A. in Human Resource Management and a certificate in Total Quality Management and is now Vice President of Human Resources of The Deltennium Group.

  • Primary activities are: reading, writing, teaching, golf, and pro-bono activities with a particular focus on educational reform and work force diversity.