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Mr. Baker has more than 35 years experience in the insurance industry. He served as President of First Penn-Pacific Life Insurance Company, a member of the Lincoln Financial Group, from 1995 until his retirement in 2001. Since his retirement in 2001, Mr. Baker has served as a consultant to the insurance industry and as adjunct professor of finance at Northeastern Illinois University. Mr. Baker also serves as a director and a member of the audit committee of Ceres Group, Inc. and has served on the Board of Directors of American College, American Council of Life Insurers and the American Insurance Association. Additionally, Mr. Baker is a Trustee of the Henderson Global Investors family of mutual funds. He received an MBA from the University of Southern California and a bachelor�s degree from University of California at Los Angeles. He is a Certified Public Accountant, a Chartered Life Underwriter, and a Fellow of the Life Insurance Management Institute. | 