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Ernst N. Csiszar joined our board in October 2005. Since September of 2004, Mr. Csiszar has been president and chief executive officer of the Property Casualty Insurers Association of America, the property and casualty insurance industry’s principal trade association. From 1999 until 2004, Mr. Csiszar served as a two-term director of insurance for the State of South Carolina and president of the National Association of Insurance Commissioners. Mr. Csiszar also was the president and chief executive officer of Seibels Bruce Group, Inc. of Columbia, S.C., from 1995 to 1998. Previously, he was a visiting professor at the School of Business at the University of South Carolina and served as managing co-director of the European investment-banking firm Holborn Holdings Corporation in Geneva, Switzerland. Mr. Csiszar earned a bachelor of arts degree in 1971 and a bachelor of laws degree in 1974 from the University of Windsor in Ontario, Canada. | 