CORPORATE GOVERNANCE

We are committed to excellence in corporate governance and have taken measures to achieve this goal, as well as to meet the requirements of the Sarbanes-Oxley Act of 2002, or the Sarbanes-Oxley Act, the corporate governance regulations of the Office of Federal Housing Enterprise Oversight, or OFHEO, and the listing standards of the exchanges on which our securities are registered, including the NYSE and the Pacific Stock Exchange.

Corporate Governance Guidelines
Director Independence
Director Qualifications
Audit Committee Financial Expert
Codes of Conduct
Chairman of the Board
Lead Director
Contacting the Board
Stock Ownership by Directors, Executive Officers and Greater than 5% Holders