George H.T. Dudley, Esq.
Co-Chairman

George H.T. Dudley, Esq. is Co-Chairman of the Board of Directors and Co-CEO of LCI and has been a member of the Company's Executive Committee since 1987.
A member of the Virgin Islands and Pennsylvania Bars. In 1978 he founded and was managing partner of the firm of Dudley, Topper and Feuerzeig (the largest law firm in the Virgin Islands).

Mr. Dudley specializes in financial services, real estate, finance, and corporate management and general commercial law. Member of the American Law institute (serving on the Institute's governing Council and its Membership Committee). Member (and past Chairman) of the Villanova Law School Board of Consultors. Former Member of the Board of Trustees of the University of the Virgin Islands (where he served on its Executive Committee and as Chairman of the Board's Committee on Finance).

Mr. Dudley received his undergraduate degree from George Washington University and his JD from Villanova University. In 1994, Mr. Dudley received the honorary title of Chevalier (Knight) from the King of Belgium for his years of service as Honorary Consul of Belgium.

Mr. Dudley served as an Adviser to the Restatement of the Law, Third, Property (Mortgages), published by the American Law institute. Currently, he serves as an Adviser to the Institute's Restatement of the Law, Third, Property (Joint Ownership), presently in development.

Wesley S. Williams, Jr., Esq.
Co-Chairman

Co-Chairman of the Board of Directors and Co-CEO of LCI and has been a member of the Company's Executive Committee since 1987. A partner since 1975 in the firm of Covington & Burling -- which has law offices in Washington, D.C., London and Brussels, and a correspondent office in Paris -- Mr. Williams specializes in financial services, real estate, finance, and corporate and securities law.

Mr. Williams is currently:

• A member of the District of Columbia and New York Bars.
• Partner in the firm of Covington and Burling.
• Senior member of the Board of Trustees (and of its Executive Committee) of Penn Mutual Life Insurance Company (sole parent of, interalia, Janney Montgomery Scott).
• Senior Member of the Board of Managers of Blackstar L.L.C.
• Member of the Board of Directors of Blackstar Communications, Inc.
• Member of the Board of Directors of CarrAmerica Realty Corporation.
• Member of the Board of Directors of the Federal Reserve Bank of Richmond.
• Member of the Board of Directors of Salomon Inc (sole parent of Salomon Brothers Inc., Phibro Inc. and Phibro Energy Production, Inc.).
• Member of the American Law Institute.

Mr. Williams previous endeavors include:

• Chairman of the Board of Directors of Broadcast Capital, Inc.
• Chairman of the Board of Directors of Broadcast Capital Fund, Inc.

Mr. Williams at one time held a faculty appointment at Columbia University Law School, and later served as an Adjunct Professor of real estate finance and financial services law at Georgetown University Law Center.

He holds BA and JD degrees from Harvard University, an MA degree from Tufts University's Fletcher School (named as a Woodrow Wilson Fellow), and an LLM degree from Columbia University Law School. Confirmed by the U.S. Senate and House of Representatives as a member of the Board of Regents of the Smithsonian Institution (and now a member of the Regents' Executive Committee and Chairman of Regents' Investment Policy Committee), Mr. Williams formerly served as a member of the Board of Overseers (and of its Executive Committee) of Harvard University.

Raymond L. Fournier, CIC
Board Member

Mr. Fournier has been President of Guardian since 1996, and board member since 1993. He is a native of Puerto Rico, received a BA degree with a major in Economics and Finance from Clark University. Mr. Fournier also has completed training programs in reinsurance and insurance at the Cologne Reinsurance Company (Koelnische Rueckversicherungs Gesellschaft), Cologne, Germany, and D. G. Durham Ltd., at Lloyd's of London.

Mr. Fournier is also a member of the Society of Certified Insurance Counselors, Member of the Board of Directors of the St. Thomas and St. John Chamber of Commerce, and chairman of the VI Insurance Guaranty Association.

Octavio Estrada, CPA
Board Member

Mr. Estrada is a Certified Public Accountant and has served operationally in various capacities (mainly financial) in the operations of Guardian and Heritage Insurance Company.

Mr. Estrada holds a BA degree from the University of Puerto Rico with a major in accounting and a minor in EDP Systems Analysis and Design. Mr. Estrada’s professional career includes ample work experience in public accounting with Price Waterhouse and Laventhol & Horwath. In addition, Mr. Estrada has completed numerous continued education courses in Insurance and Accounting.

Nancy S. Brodie, CPA
Board Member

Mrs. Brodie has served as a board member since 1998. Mrs. Brodie has been employed by Penn Mutual Life insurance Company since 1975, and has served as its Executive Vice President and Chief Financial Officer since 1994.

Mrs. Brodie is a Certified Public Accountant, a Member of the Pennsylvania institute of Certified Public Accountants, a Series 7 licensed NYSE General Securities Representative, a Fellow of Life insurance Management institute (FLMI), and is currently enrolled in Certified Life Underwriter (CLU) studies at The American College.

Mrs. Brodie holds a B.B.A. degree in accounting, having attended the University of Dayton and Cleveland State University, and also an MBA degree earned in the Executive MBA program of Columbia University. She is a committee member of the American Council of Life Insurance (ACLI), and an instructor for the Chief Financial Officers Conference, and 1999 Conference Chair; an active member of the ACLI Financial Reporting Principles Committee and GAAP for Mutuals task force; and an instructor for the Pennsylvania Institute of Certified Public Accountants.

N. William Jarvis
Board Member

Mr. Jarvis currently serves as Senior Vice President of Lockhart Companies Incorporated, and as the President & Chief Operating Officer of Lockhart Ventures, Inc. (an affiliate of Lockhart Companies Incorporated). Jarvis manages a portfolio of Lockhart Ventures' investments in emerging media and Internet companies.

Before joining Lockhart Ventures, Jarvis served as Executive Vice President of WETA's Greater Washington Broadcast Group, managing WETA’s television and radio stations, cable and Internet ventures, fundraising, and communications. Before WETA, Jarvis was a partner with the law firm of Baker & Hostetler, LLP. Based in Washington, D.C., Jarvis serves on the Boards of City First Bank of D.C. and Comcast Cablevision of the District of Columbia, and is a member of the Federal City Council and the Economic Club of Washington, D.C.

A graduate of the University of Virginia’s McIntire School of Commerce, Jarvis earned his J.D. from the University of Virginia School of Law. He resides with his wife and two sons in the District of Columbia.