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Mr. Rich, was appointed by the Board of Directors in November 2003 and was elected by shareholders to the Board of Directors in 2004. Mr. Rich was recommended as a candidate for director by Stilwell Value Partners III, L.P., a shareholder of FPIC and its principal, Joseph Stilwell. Mr. Rich is a partner with Rich Intelisano LLP in New York, New York, a law firm specializing in securities and commodities litigation and arbitration. Mr. Rich has practiced law in New York since 1982. | 