Alvin H. Clemens has served as one of our directors since November 2005 as Executive Chairman of our board of directors since January 2006 and as our Chairman and Chief Executive Officer since December 2006. From 2001 until 2005 Mr. Clemens performed business and insurance industry consulting services in addition to managing his private investments. In 1998 he founded HealthAxis Inc. a publicly-traded company specializing in direct sales of insurance products utilizing the Internet as a subsidiary of Provident American Corporation. In 1989 Mr. Clemens acquired a controlling interest in Provident American Corporation an insurance holding company and he served as its Chairman and Chief Executive Officer until 2001. In 1970 Mr. Clemens founded Academy Insurance Group a company specializing in direct marketing of life and health insurance products. He currently serves on the board of trustees and the Building Finance and Executive Committees of The Pennsylvania State University.