MetLife Inc.

Gregory E. Schwabe, National Marketing Director, joined First American in October 2005, after being with The Marketing Alliance, Schenectady, NY, since 1999 where he was responsible for recruiting new brokerage agencies and promoting the company's insurance carriers and their products with its members. Greg entered the life insurance business in 1984 as a field agent for MetLife. After one year, he moved to Underwriters Service Agency, Farmington, CT, where he remained until going with The Marketing Alliance.

John M. Keane has served as a director of the Company since September 2008. General Keane is Senior Managing Director and co-founder of Keane Advisors, LLC, a private equity firm. He is an advisor to the Chairman and Chief Executive Officer of URS Corporation, a global engineering design firm. General Keane served in the U.S. Army for 37 years. He was Vice Chief of Staff and Chief Operating Officer of the Army from 1999 until his retirement in October 2003. He is a military contributor and analyst with ABC News and is a member of the United States Department of Defense Policy Board. He is also a member of the Council on Foreign Relations, a director of the George C. Marshall Foundation, chairman of the Knollwood Foundation and a trustee of the Rand Corporation. General Keane is a member of the Boards of Directors of MetLife, Inc., General Dynamics Corporation and Cyalume Technologies, Inc.

William J. Mullaney is president of MetLife’s Institutional Business division, which provides benefit solutions to more than 60,000 group customers in the United States, including over 90 of the top one hundred FORTUNE 500® companies. Through these relationships, MetLife products and services reach nearly 40 million employees. Today, MetLife is a leading provider of many group insurance and retirement & savings offerings, including group life, group dental and institutional annuities. After Mullaney was promoted to head Institutional Business in January 2007, the business achieved its best top- and bottom-line results that year. Previously, Mullaney served as the president of MetLife Auto & Home, MetLife’s $3 billion personal lines property & casualty subsidiary that insures nearly 4 million autos and homes nationwide. Under Mullaney’s leadership, Auto & Home delivered record operating earnings despite some of the worst hurricanes in U.S. history. At the same time, the company distinguished itself for its quick and compassionate response to customers affected by these natural disasters. From 2002 through 2004, Mullaney served as senior vice president for claims and customer service at Auto & Home, where he oversaw claims, business operations and services, and customer retention initiatives as well as the project management office. From 1998 to 2002, Mullaney was responsible for MetLife’s voluntary benefits business. In this role, he was responsible for creating and managing the sales, marketing and service platform for MetLife’s employee paid workplace products, including group life, group auto & home and group long-term care insurance, as well as products offered by MetLife’s Hyatt Legal subsidiary. During the four years he oversaw the business, revenue increased by 50 percent. He was promoted to vice president in 1990 and joined MetLife in 1982. Mullaney currently serves as the chairman of the New York Blood Center’s Volunteer Leadership Campaign and is a member of the board of directors for the Employee Benefit Research Institute, MetLife Auto & Home, MetLife Bank and MetLife Foundation. In 2007 and 2008, Mullaney was named to Irish America Magazine’s “Business 100,” recognizing the top 100 Irish-American business leaders in the United States. He received a B.A. from the University of Pittsburgh, his M.B.A. from Pace University and a chartered life underwriter designation from The American College.

Steven A. Kandarian is executive vice president and chief investment officer of MetLife, Inc. He joined the company in April 2005. As CIO, Kandarian is responsible for MetLife’s investment department and the company’s $322.5 billion general account portfolio. Since joining MetLife, Kandarian has overseen a number of initiatives and strategies that have benefited MetLife’s investment portfolio and contributed to MetLife’s bottom line. He was instrumental in the sale of MetLife’s Peter Cooper Village and Stuyvesant Town properties in 2006, which resulted in a gain of approximately $3 billion, net of income taxes. Under his leadership, MetLife identified the housing bubble early and reduced its exposure to sub-prime mortgage-backed securities, increased the overall quality of its corporate credit portfolio, and increased its focus on low loan-to-value commercial and agricultural mortgages. Prior to joining MetLife, Kandarian was the executive director of the Pension Benefit Guaranty Corporation (PBGC) from 2001 to 2004. He made the public case for comprehensive reform of the pension funding rules to put the defined benefit system and the PBGC on a sound financial footing. In addition, under Kandarian’s leadership, the PBGC adopted a new investment policy ensuring that, going forward, its assets be structured to better match liability durations. Before joining the PBGC, Kandarian was founder and managing partner of Orion Partners, LP. From 1990 to 1993, he served as president and founder of Eagle Capital Holdings, where he formed a private merchant bank to sponsor equity investments in small and mid-sized businesses. Prior to establishing Eagle Capital Holdings, from 1984 to 1990, he was managing director of Lee Capital Holdings, a private equity firm based in Boston. Previously, he held positions in corporate merger and acquisitions and leveraged buyouts at State Street Bank and Trust and LCB Holdings, Inc. Prior to joining LCB, Kandarian was an investment banker with Houston-based Rotan Mosle, Inc., where he had responsibility for a broad range of projects, including initial public offerings, mergers and acquisitions and private placements. Kandarian previously served as a member of the board of trustees for MassMutual Corporate Investors, MassMutual Participation Investors and MassMutual Premier Funds. He received a B.A. from Clark University, a J.D. from Georgetown University Law Center, and a M.B.A. from Harvard Business School.

Mr. Sicchitano has been retired since June 2001. He joined Price Waterhouse LLP, a predecessor firm of PricewaterhouseCoopers LLP, or PwC, is a public accounting firm. At the time of his retirement, Mr. Sicchitano was the Global Managing Partner of Independence and Regulatory Matters for PwC. During his 31-year tenure with PwC, Mr. Sicchitano held various positions including the Global Managing Partner of Audit/Business Advisory Services and the Global Managing Partner responsible for Audit/Business Advisory, Tax/Legal and Financial Advisory Services. Mr. Sicchitano also serves as a director of PerkinElmer, Inc. and MetLife, Inc. Mr. Sicchitano is a certified public accountant.

Cheryl W. Grise, age 56, was executive vice president of Northeast Utilities, a public utility holding company, from December 2005 until her retirement in July 2007. Prior to that time, Ms. Grise had served in various senior management positions at Northeast Utilities since 1998, including President-Utility Group and Chief Executive Officer of all Northeast Utilities operating subsidiaries. Ms. Grise was a director of Dana Corporation until February 1, 2008 and currently serves on the board of MetLife, Inc. and Pulte Homes, Inc. She also serves as chairperson of the board of the University of Connecticut Foundation and as a member of the board of Kingswood-Oxford School. Ms. Grise has been a director of the Company since August 2007.

Eduardo Castro-Wright serves as vice chairman of Wal-Mart Stores, Inc. He is responsible for leading Walmart U.S. and overseeing the company’s Global Procurement operations. Castro-Wright brings a wealth of experience to Wal-Mart. He joined the company in 2001 and worked in Mexico through 2005, first as president and later as CEO of Wal-Mart de Mexico. He then joined the Walmart U.S. team as chief operating officer in early 2005 and later was promoted to president and chief executive officer of Walmart U.S. that same year. He was promoted to the vice chairman role of Wal-Mart Stores, Inc. in November of 2008. During his tenure at Walmart U.S., Castro-Wright has built a talented management team that has delivered strong results for the business and has positioned Walmart as the market leader. He is credited with having brought clarity and focus to the company’s brand, merchandising and store operations. Prior to joining Wal-Mart, Castro-Wright worked for Honeywell International, Inc., where he held the positions of president and chief executive officer, Honeywell Transportation and Power Systems Worldwide, and before that, president, Honeywell Asia Pacific. Prior to Honeywell, Castro-Wright worked for Nabisco, Inc., in a variety of positions, including area president for Asia Pacific based in Singapore, president and CEO, Nabisco Mexico, and president and CEO Nabisco Venezuela. He also held various general management positions for the same company in several Latin American countries. Castro-Wright graduated from Texas A&M University with a bachelor’s degree in mechanical engineering. He is on the Board of Directors for MetLife Inc., the Hispanic Scholarship Fund, and Retail Industry Leaders of America.

James Lipscomb is executive vice president and general counsel of MetLife, Inc. He was named to this position in July 2003. Lipscomb oversees the company’s legal affairs group with responsibility for the global operation of the MetLife law, government and industry relations and corporate compliance departments. He also provides advice to the board of directors and management on corporate governance and business operations. From 2001 to 2003, Lipscomb served as senior vice president and deputy general counsel. Prior to this role, he was president and chief executive officer of Conning Corporation, a former MetLife subsidiary, and oversaw its asset management portfolio, private equity group, real estate loan origination and servicing platform, equity broker dealer and insurance industry research group. In addition, Lipscomb led MetLife’s corporate planning and strategy department from 1998 to 2000. He also served as a senior vice president in MetLife’s real estate investments department. Lipscomb first joined MetLife in 1972 as an attorney. Throughout his career, Lipscomb has held leadership positions in various local, state and national legal organizations, including the American College of Real Estate Lawyers, the State Bar of California and the Association of the Bar of the City of New York, where he served as treasurer and a member of the executive committee. He has spoken widely on many legal topics. His civic affiliations include serving as chairman of the Citizens Budget Commission of New York, trustee of the Practising Law Institute, director of Graffiti Ministries, Inc. and a member of the Economic Club of New York as well as the Center of Hope (Haiti), Inc. Advisory Board. Lipscomb also serves as a member of the board of directors of several MetLife subsidiaries – General American Life Insurance Company, Metropolitan Property and Casualty Insurance Company and MetLife Foundation. Lipscomb received a B.A. from Howard University, a J.D. from Columbia University Law School and a L.L.M. (Corporations) from New York University. He is a member of the state bar in New York and California and the federal bar in the Northern District of California, the Southern District of New York, the Second Circuit and the U.S. Supreme Court. Lipscomb was named to Inside Counsel Magazine’s 2006 list of the top 50 most influential in-house counsel in North America and was recognized especially for diversity initiatives.

C. Robert (Rob) Henrikson is chairman of the board, president and chief executive officer of MetLife, Inc. (NYSE: MET), the largest life insurer in the U.S. and a leading provider of insurance and financial services to more than 70 million customers worldwide. Appointed CEO and chairman in March and April 2006, respectively, Henrikson has led MetLife to achieve record financial results while capitalizing on emerging trends in several markets around the globe. In 2008, MetLife earned $49 billion in annual revenue and ranked 43rd on the most recent FORTUNE 500® list. MetLife was named by Forbes as the best managed insurance company in the U.S. for 2008. Henrikson has positioned MetLife to expand its domestic leadership positions and capitalize on emerging life, annuity and retirement markets outside the U.S. In addition to counting over 90 of the top one hundred FORTUNE 500® companies among its corporate clients, MetLife is a leading provider of group insurance and retirement & savings offerings, including group life, group dental and institutional annuities. MetLife also is the largest life insurer in Mexico, and has strong and growing positions in several markets, including Japan, South Korea and Chile. The company offers products and services to customers in the U.S., Latin America, Asia Pacific and Europe. Henrikson is a board member and chairman-elect of the American Council of Life Insurers, chairman of the Financial Services Forum and a board member emeritus of the American Benefits Council. He also serves on the board of directors of The New York Botanical Garden and the New York Philharmonic, and is a trustee of the American Museum of Natural History. Henrikson received a B.A. from the University of Pennsylvania and a J.D. from Emory University School of Law. His dedication to both institutions continues, serving as chairman of the board of Wharton’s S.S. Huebner Foundation for Insurance Education and as an alumni trustee of Emory University. He resides in Connecticut with his wife of more than 30 years, Mary. They have two grown sons and a grandson.

Lisa M. Weber, age 46, oversees the retail business segments, Individual Business and Auto & Home, for MetLife, Inc., a global leader in insurance and other financial services. Combined operating earnings for both units have doubled under her watch to nearly $2 billion. In 2007, MetLife’s retail business client assets grew to over $212 billion and revenue to nearly $19 billion. Since being named to the position in 2004, Weber has pursued a strategy emphasizing face-to-face advice that meets the critical protection and retirement income needs of over 7 million clients. She directs an efficient and diverse distribution system with over 11,000 affiliated advisors and 140,000 points of sale; oversees an annuity and life portfolio with offerings in every major market segment; and runs one of the largest client and producer insurance-based service operations in the U.S. Weber’s role in the successful integration of the Travelers Life and Annuity acquisition in 2005 dramatically expanded the company’s presence in the independent marketplace through third-party distributors. Under her leadership, the agency systems – predominantly comprised of MetLife and New England Financial – have exceeded all profit targets and proven their ability to grow while lowering its expense gap. In the increasingly important retirement market, annuity sales through all channels have increased at a compound annual growth rate in excess of 14% during her tenure. Due to these results, the company claimed the #1 industry position in gross annuity sales according to VARDs rankings. The company’s response to two of the largest hurricanes in U.S. history cemented the role of MetLife’s Auto & Home as a core component of the company’s operations. Solid claims management, disciplined underwriting and innovative product design have led to three straight years of growth in total clients and earnings. From 2001 to 2004, Weber served as MetLife’s senior executive vice president and chief administrative officer. In this position, she was responsible for MetLife’s worldwide brand and communications, human resources, corporate ethics and compliance, audit, corporate services, security as well as the company’s philanthropic efforts through MetLife Foundation. As executive vice president of human resources from 1998 to 2001, Weber was instrumental in shaping and implementing MetLife’s overall strategy and was the principal architect behind MetLife’s culture transformation, critical to MetLife’s 2000 conversion from a mutual to publicly-traded company. A veteran across the securities and banking industries, before joining MetLife, Weber spent more than 10 years at PaineWebber. She previously held leadership roles at Merrill Lynch and Manufacturers Hanover Trust Company. Weber is a member of the boards of several MetLife subsidiaries, including MetLife Bank and MetLife Auto & Home, for which she serves as chair. She is a director of MetLife Foundation and a trustee of Northeast Region Boys & Girls Clubs of America. She holds a B.A. from the State University of New York at Stony Brook where she was elected to Phi Beta Kappa.

William J. Toppeta, age 60, is president, International for MetLife, Inc. He was named to this position in July 2001 and is responsible for all of the company’s insurance and employee benefits businesses outside the United States. Under his leadership, MetLife continues to successfully expand its operations in three key regions outside of the U.S.: Latin America, Asia Pacific and Europe. Since Toppeta was named president, International’s revenues have grown from $1.2 billion in 2001 to $4.6 billion in 2006. Since MetLife’s 2005 acquisition of substantially all of Citigroup Inc.’s international insurance businesses, MetLife’s presence outside the U.S. has expanded to now reach over 18 million customers in multiple countries and territories. Toppeta has focused MetLife’s International business on growth – both organically and through acquisitions. He was the principal architect of MetLife’s acquisition and integration of Aseguradora Hidalgo S.A. in Mexico, where MetLife is now the largest life insurer. He also expanded MetLife’s operations in South Korea, Chile, Brazil, India and China. Prior to assuming his current role, Toppeta served as MetLife’s president of client services and chief administrative officer from 1999 to 2001. Prior to this position, he oversaw MetLife’s Individual Business segment after having led the U.S. career agency force for three years. In 1995, he was named senior vice president to lead MetLife’s corporate reengineering department. After being named vice president and deputy general manager of MetLife’s Canadian operations in 1992, he became president and CEO of Metropolitan Life’s Canadian operations in 1993. Toppeta also served as executive assistant to former CEO Richard R. Shinn and was appointed assistant vice president in the office of the president in 1979. He began his career at MetLife in 1973 as an attorney in the law department. Toppeta is a member of the board of the President’s Council of Fordham University, vice chairman of the International Committee of the American Council of Life Insurers, and serves on the board of directors of the Council of the Americas, U.S.-India Business Council, and Coalition of Services Industries. He also serves as a director of MetLife Foundation, MetLife Investors, MetLife Securities, New England Securities and Walnut Street Securities among others. He holds a B.A. from Fordham College as well as a J.D. and a LL.M from New York University's School of Law.

As the Chief Information Officer for MetLife - a $20 billion diversified Financial Services company offering a full range of Insurance and investment products - Jim Logan led an organization of 3,200 technical professionals and managed a US$600 million annual technology budget. Working directly with the Chairman, CEO, and other members of MetLife's top management team to formulate and implement a technology strategy for the enterprise, Jim developed strategies to help the group life and health businesses successfully navigate through a period of unprecedented change in the structure of the health care system. Our resident insurance opinion leader, Jim helps our customers advance to straight through processing, transforming policy administration, customer service and claims processing across multiple lines of business.

Teresa Wynn Roseborough is Chief Litigation Counsel at MetLife. Her practice has focused on complex litigation matters at both the trial and appellate level, especially those involving constitutional law, class actions, telecommunications law, and government regulation. She has participated in briefing and arguing numerous issues in state and federal courts around the country and the U.S. Supreme Court. Teresa served as one of the principal attorneys for the Gore campaign in the litigation associated with the 2000 Presidential election. Teresa serves on the Executive Committees of the State Bar of Georgia's Appellate Section, the ABA Council of Appellate Lawyers, and the United States Supreme Court Historical Society. She is also a member of the State Bar of Georgia's Board of Bar Examiners. In addition to serving on the Board of Directors of ACS, Teresa is also Chair of the Board of Trustees of The Children's School, Treasurer of the Atlanta Legal Aid Society, and a member of the Board of Advisors for the Center for Civil Rights at the University of North Carolina. In 2003, Teresa was chosen by American Lawyer magazine as one of the 45 highest-performing members of the private bar under the age of 45 in the magazine's cover story feature, "45 Under 45." She was the only Atlanta-based attorney to earn this honor. Black Enterprise Magazine also featured her on the cover of its November 2003 edition as one of the leading African American attorneys in the country, and she was elected in 2005 as a member of the American Academy of Appellate Lawyers, founded in 1990 to recognize outstanding appellate lawyers and promote the improvement of appellate advocacy and administration of the appellate courts.

William J. Wheeler, age 47, is executive vice president and chief financial officer of MetLife, Inc. He was named to this position in December 2003. As chief financial officer, Wheeler is responsible for overseeing all financial management matters for MetLife. This includes financial reporting, treasury, corporate actuarial, risk management, tax, investor relations and mergers and acquisitions. In addition, in June 2006, he was named the executive officer responsible for MetLife Bank, which offers retail banking products, including money market accounts, certificates of deposit and residential mortagages. In 2005, Wheeler oversaw the teams that negotiated the acquisition of, and secured all the necessary financing for, MetLife’s purchase of Travelers Life & Annuity and related international insurance businesses from Citigroup Inc. – MetLife’s largest deal ever in its 139-year history. Before being promoted to chief financial officer, from 2002 to 2003 Wheeler was the head of product management, marketing and business development activities in the company’s Individual Business segment. Prior to this role and after MetLife’s initial public offering in 2000, Wheeler served as the chief financial officer of the company’s Institutional Business. In this position, he oversaw financial reporting and planning, as well as expense management for that segment. Wheeler joined the company in 1997 as treasurer and played a key role in preparing MetLife to become a public company. He oversaw certain aspects of the demutualization, the development of investor relations and shareholder services organizations, and management of the initial public offering process and related transactions. Before joining MetLife, Wheeler was an investment banker for ten years at Donaldson, Lufkin & Jenrette (DLJ). During his career at DLJ, he managed a variety of transactions, including equity and debt financings, mergers and acquisitions, leveraged buyouts, financial advisory and restructurings in a number of different industries, including the insurance industry. Wheeler is a member of Wabash College’s board of trustees. He holds an M.B.A. from Harvard Business School and also received an A.B., magna cum laude, and was awarded Phi Beta Kappa from Wabash College.

Maria R. Morris is executive vice president and head of technology and operations for MetLife. She was appointed to this position in January 2008. In this role, Morris oversees MetLife’s information technology group, the customer sales and service group, group capability sourcing, internal audit and corporate real estate and services. Previously, Morris served as executive vice president, employee benefits sales within the Institutional Business segment for MetLife. Since December 2005 she oversaw the group insurance and the retirement and savings sales forces that generated approximately $14 billion in annual revenue. Under Morris’s leadership, Institutional Business achieved record sales and drove strong revenue growth, due in part to the retention and expansion of the company’s extensive client relationships. From 2003 to 2005, Morris served as senior vice president of group insurance sales and individual disability. In this role, she was responsible for MetLife’s small business center, group regional operations and individual disability product and sales. In 2004, she assumed oversight of the company’s National Accounts organization as well as voluntary benefits and group insurance service operations. As the vice president of MetLife’s group disability business from 2000 to 2003, Morris had profit and loss responsibility overseeing product development and management as well as claims operations. From 1996 to 2000, Morris had similar responsibilities for MetLife’s dental product and also managed the preferred dentist network. Under her leadership, revenue grew 20% and profitability grew 200%, while an efficient claims model was implemented. Morris joined MetLife in 1984, first as an account administrator in the company’s National Accounts organization, and then held a number of roles with increasing responsibility. Morris is a selected member of the YWCA Academy of Women Achievers. In 2005, Morris was recognized by Profiles in Diversity Journal magazine as a number of “Women to Watch.” Morris serves on the boards of MetLife Services East Private Limited, MetLife Global Operations Support Center Private Limited and MetLife Securities, Inc. She is also a member of the boards of INROADS, Inc. and All Stars Project, Inc., non-profit organizations focused on developing young people. Morris holds a B.A. from Franklin and Marshall College, magna cum laude, where she was elected to Phi Beta Kappa.

Ira Friedman is Senior Vice-President and Chief Privacy Officer of MetLife. Prior to that, he was Chief Counsel, General Corporate, of MetLife, specializing in mergers and acquisitions and insurance regulation. Ira has engaged in various professional and other activities on a volunteer basis. In 2006, he served on CAJE's Leadership and Governance Task Force, drawing on his experience as a corporate lawyer and former board chairman of a major New York City non-profit organization. He is currently a member of the Board of Directors of the America-Israel Friendship League. In June 2004, he completed a 3-year term as Chairman of the Board of the Lawyers Alliance for New York, the leading coordinator of pro-bono legal services to nonprofit organizations in New York City. Among other accomplishments, Mr. Friedman guided Lawyers Alliance in launching a capital campaign, holding a successful 35th Anniversary Dinner and enhancing its Board membership and structure. He is also past Treasurer and an honorary director of the American Association for Gifted Children. Ira resides with his family in Teaneck, NJ, where he is an active member of several synagogues.

From 1997-2002, Senior Vice-President, MetLife. Chairman of MetLife Securities, the Company's Broker/Dealer. Chairman and CEO of the MetLife General Insurance Agency, the entity which served MetLife agent needs for insurance products not available from MetLife or for use where MetLife was not competitive. In 1999 promoted to responsibility for all private client activity west of the Mississippi and CEO of MetLife Resources. President and CEO, Astra Management Corporation, 1995-1996. Co-Founder and Managing Director of Eden Financial Group, Inc. 1982-1995. This firm raised almost $10 billion for issuers of annuities, life insurance and mutual funds, such as MetLife, Cigna, Morgan Stanley Asset Management, Oppenheimer, and others. Over this period, Eden was one of the nationAs largest distributors of financial products to the broker/dealer community, with every major and regional firm represented among the 1,500 companies and 45,000 salespeople in its client database. Eden served as sales and marketing agent for insurance companies and mutual fund organizations, helping in product design, and offering market analysis, sales support, seminars and branch office training to financial service providers. Senior Vice President, E.F. Hutton and Company, Inc., 1963-1982. Senior Vice President, Insurance and Annuity Marketing, and President of E. F. Hutton Financial Services, a 200-person financial planning entity. Senior Vice President, Private Client Sales. Chairman of the Pricing Committee, which set the firmAs commission rates and discounting policy. One of eight senior officers, including the CEO, to sit on the Underwriting Commitment Committee, which pre-screened all securities underwritings. Bachelor of Science, Business Administration, University of California Berkeley. GASC plans to utilize outside resources for its legal, tax, actuarial, systems and marketing efforts on behalf of GroupAdvantage Investment Fund. Such specialized services can be readily obtained at reasonable costs and on an as-needed basis to maximize the Fund's cost-benefit effectiveness.

John Kneiling has 20 years of experience guiding companies, governments, and other institutions throughout the world as an IT executive, consultant, author, and lecturer. Prior to joining TPG, Mr. Kneiling was a Director of WebEAI, where he created the XML and Web Services strategy for Bristol-Myers Squibb's Global Strategic Sourcing Group to decrease costs, increase the speed of supply management, and enhance competitiveness. As Vice President at MetLife, Mr. Kneiling established and led the Information Architecture group in developing Information Channels, MetLife's program to leverage technology, information architecture and governance to provide businesses and application developers rapid access to accurate, relevant enterprise data, information and knowledge. By connecting enterprise data to new web and traditional applications, the ability of diverse business units to easily translate business vocabularies and use existing data and systems across business lines was significantly enhanced. He also co-established an Enterprise Architecture Council for MetLife's CTO to discover common business requirements, and to reach consensus on a uniform architectural framework and implementation technology. This allowed senior management to eliminate redundant application projects and infrastructure technology.

Gary Hammond, a 1995 honors graduate of Wingate University, is a Financial Services Representative with Wall Street Capital, an office of MetLife. Wall Street Capitol is a multi-faceted provider of financial services and strategies with a reputation for quality, responsibility and integrity. Gary's focus is in the securities area, focusing on asset allocation and diversification for each individual client of the firm. Prior to joining Wall Street Capitol, Gary was a Registered Representative with Park Avenue Securities where he was a Summit Council qualifier, placing him in the top 100 equity producers nationwide. Gary holds his Series 7, 63, 65, 9 and 10 securities registrations. He has been a member of the Million Dollar Round Table for the past three years and is a current Leader's Conference qualifier. In 2001, Gary received the Triple Crown Award of Excellence from MetLife Financial Services, further distinguishing him among the industry's elite.

Gwenn L. Carr is senior vice president and secretary of MetLife, Inc. In addition to having a number of corporate governance responsibilities, Carr also serves as chief of staff for MetLife’s chairman & CEO, C. Robert Henrikson, and oversees the shareholder services, corporate communications and executive services groups. She also is chairman of the board of MetLife Foundation and oversees the company’s corporate contributions department. Carr joined MetLife as the company’s secretary in 1999, was named chief of staff in 2007 and became a member of MetLife’s executive group in 2009. In addition to providing counsel to MetLife’s CEO, she works closely with MetLife’s board of directors and chairs MetLife’s communications forum, which consists of senior representatives from the company’s public relations, internal communications, brand management, government relations and investor relations functions to assure alignment and consistency of the company’s communications.. Carr joined MetLife after having served as vice president, secretary and associate general counsel of ITT Corporation. She joined ITT in 1988 as senior counsel, corporate development, providing legal advice with respect to ITT’s corporate acquisitions, divestures and mergers before being elected vice president and secretary of ITT in 1990. Before joining ITT, Carr had been a member of the law departments of AT&T and American Natural Resources Company. At both companies, in addition to providing legal advice with respect to corporate governance matters, Carr was responsible for providing legal advice on corporate finance transactions, acquisitions, divestitures and strategic alliances, as well as compliance with federal securities laws. She also served as vice president and secretary of American Natural. Earlier in her career, she served as an assistant United States attorney for the Eastern District of Michigan. Carr is a former director of the Lawyers Alliance for New York, a member of the Advisory Board of the Corporate Governance Institute at the University of Delaware and a former member of the IRRC Advisory Board. Since 1990, Carr has spoken frequently about corporate governance issues at seminars and conferences. She also has been a guest lecturer at Pace University Law School. Carr is a former chairman of the American Society of Corporate Secretaries, a former chairman of the Investor Responsibility Research Center and a former president of the Stockholder Relations Society of New York. She also previously was a director of the YWCA of the City of New York and the United Way of New York City. Carr is a graduate of Michigan State University and the MSU College of Law.

Ken Harper is currently a partner with Insight Financial Strategies, a wealth and risk management firm affiliated with New England Financial and MetLife. Ken was the PCLT Newsletter editor until this year. He served on the Grant Committee of the Putnam Arts Council from 2000-2002, is currently a Board Member of the American Red Cross, is a member of FrOGS, CRSE, Patterson Land Watch, ACLU, Amnesty International, USGA, and is a former member of the Putnam Environmental Management Council. Ken is a frequent contributor to the NY Journal News, Brewster10509, CRSE and PlanPutnam community websites. Ken and his wfife Lauren have a three year old daughter named Samantha Lee and is a 16 year resident of Patterson.

Lili Allen manages several projects related to youth education and transitions. For the Strategic Assessment Grant initiative of the Youth Transition Funders Group, a multi-city initiative for struggling students and out-of-school youth, she is the liaison to Philadelphia and Las Vegas. She co-leads JFF's work as a core partner in the Boston Public Schools' district-wide high school renewal effort. She is conducting research on systemic and programmatic approaches to addressing the learning needs of out-of-school youth and documenting district redesign in cities across the country. She also assists with the MetLife Community College Excellence Awards process. She holds an M.Ed. from Harvard University.

Ralph brings to the firm over 25 years of sales and management experience with MetLife, Prudential and local accounting firms. Ralph has lived in California and currently resides in NJ. Ralph focuses searches for retail brokers.