General Investing >> Money Manager Interviews >> January 10, 2005

FOX/KIRKPATRICK/MINELLA – CARDINAL CAPITAL MANAGEMENT LLC

ROBERT B. KIRKPATRICK is a managing director of Cardinal Capital Managment, LLC, responsible for investment research and portfolio management. He has 18 years of investment experience. Prior to joining Cardinal, he was a co-founder of Breeco Management LP, a value-oriented equity investment firm. Previously, he held senior investment positions at Unifund SA, a global private investment company, Bigler Investment Management and CIGNA Corporation. Mr. Kirkpatrick received his BA in economics from Williams College and has the CFA professional designation. Profile
EUGENE FOX III is a managing director of Cardinal Capital Managment, LLC, responsible for investment research and portfolio management. He has 17 years of investment management experience. Before joining Cardinal, he was a managing director of Deltec Asset Management. Mr. Fox joined Deltec in 1993 from D.S. Kennedy & Co., a value equity firm, where he was an investment analyst for two years. He was with FMC Corporation from 1984 to 1991, where his positions included director of pension investments and manager of corporate finance. Mr. Fox holds a BA from the University of Virginia and an MBA from The University of Chicago Graduate School of Business. Profile
AMY K. MINELLA is the managing partner of Cardinal Capital Managment, LLC, which was formed in 1995. She is responsible for investment research and portfolio management and has 23 years of investment experience. Prior to founding Cardinal, she was a managing director of Deltec Asset Management, where she created both the high yield management group in 1986 and the value equity group in 1992. Before joining Deltec in 1983, Ms. Minella was in the corporate finance department at Merrill Lynch and in the credit department at Chase Manhattan Bank. She holds a BA from Mount Holyoke College and an MBA from the Stanford Graduate School of Business. Profile
TWST: Would you start with an overview of Cardinal Capital Management?

Ms. Minella: We are an employee-owned small cap value investment

advisor. When we interviewed with you last in May 2003