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Donald A. Sherman 56 has served as the President and Chief Operating Officer of the Company since April 2006 and has served as a Director of the Company since August 2002. Mr. Sherman served as Chairman and Chief Executive Officer of Waterfield Mortgage Company Inc. (Waterfield) since 1999 and as President of Waterfield from 1989 to 1999. Prior to his service at Waterfield Mr. Sherman served as President of Hyponex Corporation and was previously a partner in the public accounting firm of Coopers and Lybrand. Mr. Sherman also serves as a Director of the Company�s principal subsidiaries. | 