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Wayne Kauth has been a director of the Company since March 2003. Mr. Kauth has been an independent consultant to the financial services industry specializing in the life/health and property/casualty insurance fields for more than the past five years. Mr. Kauth is a retired partner of Ernst & Young LLP where he specialized in accounting and auditing matters for the insurance industry and was the firm's National Insurance Technical Director. Mr. Kauth holds both the Chartered Property & Casualty Underwriter and Chartered Life Underwriter designations and is a fellow of the Life Management Institute. As a Certified Public Accountant Mr. Kauth has served on a number of committees and working groups for the American Institute of Certified Public Accountants and National Association of Insurance Commissioners. | 