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Raymond L. Fournier is the President and Chief Operating Officer of Lockhart Insurance, also serving as President of Guardian since 1996 and President of Heritage since 1993. Mr. Fournier, who is a native of Puerto Rico, received a BA degree in economics and finance from Clark University, and trained in reinsurance at Cologne Reinsurance Company, Cologne, Germany, and also at D.G. Durham Ltd., a Lloyd's broker in London. | 