Nancy L. Zalud - Vice President of Communications

Ms. Zalud joined the Company in February 2005. Ms. Zalud has more than 20 years of corporate communications and insurance industry experience, including investor relations, public relations and advertising, marketing communications, policyholder communications and employee communications. Previously, she was Senior Vice President for States General Life Insurance Company from December 2003 to February 2005. She was a public relations / corporate communications consultant from June 2002 to December 2003 and Senior Vice President for Ceres Group, Inc. from January 2000 to June 2002. Ms. Zalud received a B.S. in journalism from the University of Illinois. She holds a FLMI designation from the Life Office Management Association (LOMA).