Ralph S. Michael, Director

Ralph S. Michael, III has been a Director since April 2003. Since July 25, 2005, Mr. Michael has been president and chief operating officer of the Ohio Casualty Insurance Company. From 2004 through July 2005, Mr. Michael served as Executive Vice President and Manager of West Commercial Banking for US Bank, National Association and then as Executive Vice President and Manager of US Bank. He also served as President of U.S. Bank Oregon from 2003 to 2005. From 2001 to 2002, he served as Executive Vice President and Group Executive of PNC Financial Services Group, with responsibility for PNC Advisors, PNC Capital Markets and PNC Leasing. From 1996 to 2001, he served as Executive Vice President and Chief Executive Officer of PNC Corporate Banking. He has been a director of Integrated Alarm Services Group since January 2003, a director of T.H.E. Inc. from 1991 to 2004 and a director at Cincinnati Bengals, Inc. since April 2005. Mr. Michael also served as a director of Ohio Casualty Corporation from April 2002 until July 25, 2005, and began serving as a director of Friedman, Billings, Ramsey Group, Inc. in June 2006. He holds a BA from Stanford University and an MBA from the Graduate School of Management of the University of California Los Angeles.

< Back