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Director since 2005 Mr. Gerald J. Ford has been a financial institutions entrepreneur and private investor involved in numerous mergers acquisitions of private and public sector financial institutions over the past 30 years. Mr. Ford served as Chairman of the Board and Chief Executive Officer of Golden State Bancorp Inc. from September 1998 until its merger with Citigroup Inc. in November 2002. Mr. Ford is Chairman and principal shareholder of First Acceptance Corporation, a retailer, servicer and underwriter of non-standard personal automobile insurance. Mr. Ford serves as Chairman of the Board and principal shareholder of Triad Financial Corporation, a privately held auto insurance company, headquartered in Huntington Beach, California. He also serves as a director of Freeport-McMoRan Copper & Gold Inc., McMoRan Exploration Co. and Affordable Residential Communities, Inc. | 