Committee Composition

	Audit Committee	Nomination/Governance Committee	Compensation and Human Capital Committee	Risk and Compliance Committee
Phyllis R. Caldwell		Nomination/Governance Committee
Alan J. Bowers	Audit Committee			Risk and Compliance Committee
Jenne K. Britell		Nomination/Governance Committee	Compensation and Human Capital Committee
Jacques J. Busquet	Audit Committee		Compensation and Human Capital Committee	Risk and Compliance Committee
DeForest B. Soaries Jr.		Nomination/Governance Committee	Compensation and Human Capital Committee
Kevin Stein	Audit Committee			Risk and Compliance Committee

= Chairperson = Member

Testimonials

"My family and I would like to extend our deepest gratitude. Thank you for expeditiously coming to a favorable agreement regarding our new home on Galaxy. We sincerely appreciate that you took the time to personally work with Jim, our realtor...this is the best Christmas gift we could have received!" - Heather D. Chandler, AZ