CORPORATE GOVERNANCE

     We are committed to excellence in corporate governance and have taken measures to achieve this goal, as well as to meet the corporate governance 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 listed, including the NYSE.

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