Edward F. Bader has been a director since 2004. Mr. Bader owns Bader & Associates, a consulting firm. Prior to founding Bader & Associates in August 2001, Mr. Bader was a partner in the Insurance Services Practice of Arthur Andersen LLP with more than 37 years of experience in accounting and auditing concentrating in the insurance industry. He served as the head of Andersen's World Wide Insurance Practice Group. Mr. Bader is a director of Hannover Life Reassurance Company of America. Mr. Bader received a B.S. degree in Economics from Fairfield University.