Michelle A. Giordano

MICHELLE A. GIORDANO, Vice President, is the Senior Life Insurance
Analyst in the Equity Research Group of J.P. Morgan Securities, Inc.
Prior to this assignment, she was responsible for joint coverage of the
property/casualty industry and the life insurance industry for the firm.
Ms. Giordano graduated from New York University’s Stern School of
Business with a BS in Finance and Accounting and an MBA in Finance. She
is presently the Treasurer of the Association of Insurance and Financial
Analysts. Ms. Giordano has been ranked by Institutional Investor as a
runner-up in October 2000 and as the ‘Next Generation’ analyst for the
life insurance industry in 1997, and has been ranked in the Wall Street
Journal All-Star Analyst Survey for stock picking and for earnings
estimate accuracy.