JOE CHUMBLER, CFA, has been an Analyst at Stephens Inc. following
commercial and consumer products and services companies since 2001. He
originally joined Stephens Inc. in 1997 as a Research Associate and
supported analysts in the insurance and technology industries. Prior to
joining Stephens, Mr. Chumbler was an institutional broker. He earned a
BBA in Finance and Economics from Baylor University and an MBA in
Finance from the University of Arkansas at Little Rock. He was awarded
the designation Chartered Financial Analyst in 1999.