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William E. Kelvie has served as one of our directors since August 1998. Mr. Kelvie is a Class II director. He has served as chief executive officer of Overture Corporation an information technology company since July 2000. Prior to his tenure at Overture Corporation Mr. Kelvie was the executive vice president and chief information officer responsible for information technology systems at Fannie Mae the world's largest non-bank financial services company from 1992 to 2000. He then served as special adviser to the chief executive officer of Fannie Mae until January 2003. Mr. Kelvie joined Fannie Mae in 1990 as senior vice president and chief information officer. Prior to his tenure at Fannie Mae Mr. Kelvie was a partner with Nolan Norton & Co. a management consulting company specializing in information technology strategies and plans. He also served in various capacities with The Dexter Corporation a specialized manufacturing company and The Travelers Insurance Company an insurance and financial services company. | 