About the Board of Directors

Prior to his tenure at ING, Mr. Azar was employed in various capacities at American International Group from 1993 through April 2000, the last of which was as Regional Vice President, Life Insurance Operations in Tokyo, Japan from 1996 to April 2000. From 1991 through 1993, he served as Executive Vice President of Insurance Operations for North American Life Assurance Co. of Toronto, Canada. From 1970 through 1991, Mr. Azar was employed by Aetna Life and Casualty Company, serving in numerous positions, the final being that of Vice President, Life Insurance Marketing. Prior to joining Aetna Life and Casualty Company, he was employed in the Sales Division of International Salt Company in New York City from 1967 through 1969.

Mr. Azar received a Bachelor of Arts Degree from the University of Pennsylvania in 1967.

From 1979 through April 2002, Mr. Birdsong served in various capacities in the Zurich Scudder Investments/Scudder, Stevens & Clark organization. Mr. Birdsong began his career in the organization as a Fixed Income Portfolio Manager. He spent the last five years of his tenure as the Director of the Global Institutional Group, where he had responsibility for the business management, sales, marketing and client services for the firm's more than $100 billion institutional business worldwide.

Mr. Birdsong was a member of the senior management team as well as a member of the Zurich Scudder Board of Directors, Executive Committee and Management Committee.

Prior to joining the Scudder organization, Mr. Birdsong served as a Portfolio Manager with Bankers Trust from 1969 to 1979.

Mr. Birdsong graduated from St. Lawrence University in Canton, NY with a B.A. in Economics. He received an M.B.A. in Finance from Pace University in New York City. Mr. Birdsong is also a Chartered Financial Analyst (CFA).

His professional affiliations include being an Independent Director of the Atlantic Whitehall mutual funds, Independent Director of The Hartford Funds, and a Member of the Global Studies Advisory Board, Lubin School of Business.

Previously, Mr. Boyko was CEO of HLIKK, the Japanese subsidiary of The Hartford. Mr. Boyko also served as Chief Financial Officer and Treasurer of Hartford Life Insurance Company.

Mr. Boyko began his career with Ernst & Young and has over 30 years of experience in the financial services industry. Mr. Boyko is a graduate of the University of Connecticut and the University of Connecticut School of Law.

He is responsible for the Corporation's core corporate organizations that support all areas of the business worldwide, including research and development, information management, strategy, Fuji Xerox relations, human resources and ethics, marketing and communications, and Xerox environmental health and safety initiatives.

Mr. Firestone joined Xerox from IBM in August 1998, when he became President of the Xerox Channels Group. He then was named Senior Vice President for the Corporate Strategy and Marketing Group. Most recently he was president, Corporate Operations Group, where he was responsible for corporate strategy, alliances, marketing and communications, e-Business and Teleweb, information management, Xerox International Partners and Fuji Xerox relations.

At IBM, he was responsible for all of the company's consumer products and services for the home and family market. He joined IBM in 1995, helping launch a new division to develop and market hardware, software and multimedia products.

Mr. Firestone headed the consumer division of Ameritech, a telecommunications company, from 1993 to 1995. From 1978 to 1993, he worked at American Express in a number of financial and general management positions, including president of the Japan division and president of the Travelers Cheque division.

Mr. Firestone received a bachelor's degree in international economics from Georgetown University School of Foreign Services and a master's degree in management from Yale University. He is on the Board of Directors of The Goodyear Tire & Rubber Company and Yale University Center of Customer Insights.