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Larry T. Mcdowell was elected as a Director of the Company in February 2005. Mr. McDowell retired in 1997 from Arthur Anderson, LLP, a public accounting firm. Mr. McDowell was employed by Arthur Anderson, LLP from 1963 to 1997, serving as a Tax Partner from 1974 through 1997. In addition thereto, he held positions of head of U.S. Financial Institutions Tax Specialty Team and a member of the firm’s Tax Division’s Long-Range Planning Committee. Mr. McDowell is currently a Member of the Audit and Ethics Committee of United Way of Metropolitan Dallas, and had previously served as Treasurer and one of its Board Members. | 