Steven M. Bernard

STEVEN M. BERNARD is a Senior Vice President, Equity Research at EVEREN
Securities. Previously, he was associated with Edward Jones & Co.,
Pauli & Company, and Southwest Securities. Mr. Bernard received his
B.S.B.A. degree from Washington University. A Chartered Financial
Analyst, he is a member of the AIMR and the Investment Analysts Society
of Chicago. Mr. Bernard is married, has one child, and includes golf
among his personal interests.