FleetBoston Financial Corp.

GLENN N. EICHEN - is Senior Vice President, Director of Federal Taxation at Countrywide. (Formerly Senior Vice President for FleetBoston Financial in Providence, Rhode Island). Previously, he was Manager of Domestic Tax Research and Planning for the First National Bank of Chicago. Prior to that, Mr. Eichen was a Principal with Arthur Young and Company in their National Tax Group in Washington, D.C. He received his JD degree from George Washington University, his MBA from the Wharton School, and his BA degree from Amherst College. Mr. Eichen has been an author of articles on this subject, including Mark-to-Market Regulations Provide Preliminary Guidance on Complying with Section 475, Levy and Eichen, Journal of Bank Taxation, (Summer 1994); Elwood, Eichen, and Brzezenski, Many Questions Remain on Applying Mark-to-Market Rules to Affiliated Groups, Journal of Taxation, (March 1995).

Doug Cooney has over 20 years of search experience with FleetBoston Financial as the Director of Executive Search, completing 1000 searches for executive and senior level positions and he serves as an invaluable resource for searches in the Financial Business sector. Doug is a graduate of the University of Massachusetts at Amherst, where he received a BA and MA in Sociology.

J. Brian King is the practice manager for Consumer Lending and Mortgage Banking at BenchMark Consulting International. As practice manager, King is responsible for sales and delivery of consulting services to the consumer lending area of banks, as well as sales and delivery of consulting services to the mortgage industry. King possesses more than 15 years in the financial services industry. Prior to joining BenchMark, King was a national sales manager for a division of Wolters Kluwer Financial Services. Before that, he was senior vice president of sales and business development at Info-One/VARDS, a wholly owned subsidiary of Wachovia Corporation. King's previous roles also include senior vice president of business development at Wachovia Bank, and director of product development and marketing at Home Equity USA, a division of FleetBoston Financial. Prior to Home Equity USA, King held marketing and strategic planning roles in other divisions within FleetBoston Financial. Mr. King is a graduate of Winthrop University where he obtained a B.S. in Marketing and his MBA, as well as a MEd in Counseling.

In addition to his work at ADS, David is currently a System Staff Specialist for FleetBoston Financial, involved in the design, development and maintenance of the Fleet Bank Web sites. David holds a MS in Computer Information Science from The New Jersey Institute of Technology, a BS in Electrical Engineering from the University of Rhode Island, and Certificates in Java Programming, Visual Age for Java, and WebSphere Application Server.