Richard L. Sanderson

GE Asset Management, Inc. is a mutual fund manager and registered investment advisor located in Stamford, Connecticut. The firm is a wholly-owned subsidiary of General Electric Co. (NYSE: GE). GE Asset Management provides investment management services to institutional and retail investors. The firm also offers a family of mutual funds designed to meet a wide variety of investment needs.

Part of Avalon Capital Holdings Corp., Alliance Capital Group, Inc. purchases and collects delinquent credit card debt. The company is based in Dallas, TX. Alliance Capital Group was acquired by TRAC Financial Group, Inc. on July 31, 2003 for $0.08 million.

Neuberger Berman BD LLC is a SEC-registered investment advisor and mutual fund manager headquartered in New York City. It is directly owned by Neuberger Berman Investment Advisers LLC, which is an indirect, wholly-owned subsidiary of Neuberger Berman Group LLC, which is owned by NBSH Acquisition LLC. The firm traces their origin back to the 1939 founding of Neuberger & Berman, its predecessor firm. In 1950, Neuberger Berman became one of the first firms to offer a no-load mutual fund to individual investors. Neuberger Berman BD manages a range of equity, fixed income, private equity and hedge fund strategies on behalf of institutions, advisors and individual investors worldwide.

Northern Trust Investments, Inc. (Investment Management) (NTI-IM) is the asset management division of Northern Trust Investments, Inc., ultimately held by Northern Trust Corp. (NASDAQGS: NTRS), a multi-bank holding company that was established in 1889. The firm was founded in 1988 and headquartered in Chicago, Illinois. NTI-IM provides a wide range of discretionary and non-discretionary investment advisory and sub-advisory services to individual and institutional clients.