| BackgroundRichard L. Crowther, A.S.A., E.A., M.A.A.A.Rick 
	began his career in October 1978 with an international benefits consulting 
	firm in Los Angeles, California. He has served many clients consisting of 
	multi-national corporations, non-profit organizations, 
	professional corporations and labor unions. His diverse consulting assignments consist of: 
		
		
		
		Qualified and nonqualified pension plan design and administration,
		
		    Qualified plan nondiscrimination testing,
		
		
		Funding and accounting of domestic and international pension, postretirement and postemployment 
		benefit plans,
		
		
		Plan administration such as benefit calculations, Form 5500 filings, 
		determination letter requests for qualified plans and plan terminations, 
		and
		
		
		Compliance reviews relating to benefit laws and regulations and plan and 
		corporate financial accounting rules. 
	Rick’s 
	education consists of: 
		
		
		
		Bachelor of Science from the University of Utah in Mathematics, and
		
		
		Associate of the Society of Actuaries (ASA). 
	He is 
	also a Member of the American Academy of Actuaries (MAAA) and an enrolled 
	actuary (EA). 
	Rick 
	served a mission for the Church of Jesus Christ of Latter-day Saints in 
	Southwest England and South Wales. 
	He currently 
        lives in Murray, Utah with his wife, Penni. He is the father of six children and 
        has ten grandchildren. Enjoys doing various activities 
	with his family and is actively involved with church assignments.       | 
 |