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Mr. Cloutier joined Penn Treaty as Vice President and Chief Accounting Officer in 2002. In 2004 Mr. Cloutier was named Senior Vice President Chief Financial Officer and Treasurer. Prior to joining Penn Treaty Mr. Cloutier held the position of Assistant Vice President of Operational Accounting and Analysis with a major health insurer based in Philadelphia PA. Previously he served as a senior manager with a Big Four public accounting firm. With over 14 years of experience in the financial services sector Mr. Cloutier has specialized in the complex accounting issues and financial management of insurance companies banks and employee benefit plans. His expertise includes an intimate knowledge of the accounting treatment for long-term care insurance contracts public reporting and internal financial controls. Mr. Cloutier is a Certified Public Accountant and earned his Bachelor of Science degree from Temple University. Mr. Cloutier is a member of both the American Institute of Certified Public Accountants and the Pennsylvania Institute of Certified Public Accountants. | 