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Board of Directors
The following are summary biographies of the directors of Lockhart Companies Incorporated (other than those of inside directors, which are provided in the Management section below):

Nancy S. Brodie has been a director of Lockhart Insurance Holding Co., Ltd. since 1998, and has been a director of Lockhart Companies Incorporated since 2007.  In 2005, Ms. Brodie retired from Penn Mutual Life Insurance Company, where she had been employed since 1975, having served as its Executive Vice President and Chief Financial Officer since 1994.  Ms. Brodie is a Certified Public Accountant, a member of the Pennsylvania Institute of Certified Public Accountants, a Fellow of Life Insurance Management Institute, and has studied at The American College towards becoming a Certified Life Underwriter.  Ms. Brodie holds a BBA degree in accounting, having attended the University of Dayton and Cleveland State University.  She completed an executive summer course in the Executive MBA program of Columbia University.  Prior to her retirement, Ms. Brodie was a committee member of the American Council of Life Insurance (ACLI), and an instructor for the Chief Financial Officers Conference, and 1999 Conference Chair; an active member of the ACLI Financial Reporting Principles Committee and GAAP for Mutuals Task Force; and an instructor for the Pennsylvania Institute of Certified Public Accountants. Ms. Brodie currently serves as a member of the board of directors of The Baltimore Life Insurance Company, based in Owings Mills, Maryland.

Ira M. Goldberg is a widely recognized expert on all phases of numismatics, including ancient Greek, Roman, Judean, Byzantine, United States and World coinage.  A professional numismatist for over 40 years and past president of the Professional Numismatic Guild, Mr. Goldberg currently co-owns and operates Ira and Larry Goldberg Coins & Collectables, Inc., located in Beverly Hills, California.  Prior to 1994, Mr. Goldberg was co-owner and President of one of the largest numismatic and philatelic auction houses in the world, Superior Stamp and Coin Company, Inc. (est. 1930).  He has written numerous feature articles for the Numismatist, Coin World, Numismatic News, The Manuscript Society and other industry publications, including the award-winning Book of the Year (2007) Money of the World - Coins that made history.  Mr. Goldberg is a licensed and bonded auctioneer in California, and has been and continues to be an appraiser for major banks, insurance companies, and government agencies.

William H. Hastie was elected to the Company's board of directors in 1997. He is a great-grandchild of founder Alfred Lockhart.  His background is that of a lawyer and management consultant, however he is now semi-retired. Mr. Hastie received his bachelor's degree from Amherst College, a certificate from the University of Strasbourg (France), and his law degree from UC Berkley's Boalt Hall School of Law.  The early portion of his legal career focused on civil rights and administrative law, as he helped establish the west's first public interest firm, Public Advocates, in San Francisco.  From 1976 through 1983, he served in a number of senior capacities in California state government, ending up as the chief of staff, general counsel and undersecretary of one of the state's superagencies.  In 1983, he opened a solo private legal practice in San Francisco.  A two-person firm that he co-founded in 1985 and managed through its closing (1996) became one of the largest minority-owned legal practices in the United States, Arnelle & Hastie.  He continued to practice full-time through 2001 after moving to Los Angeles.

His background since the 1960s includes service as an advisor and director for a wide variety of organizations, mostly in California. He was elected as a board member of Blue Cross of California and helped it reorganize into a publicly-traded organization.  Subsequently, he was selected to launch, serve on the board of and chair one nation's largest charitable foundations, the California Healthcare Foundation.  From 1985 through 1987, he was a federal trial commissioner (part-time) assisting in the adjudication of the valuation phase for what was then the largest federal condemnation in American history. He has also served part-time as an Adjunct Professor of Law at the Graduate School of Public Policy of the University of California at Berkeley.

Ghebre S. Mehreteab retired in 2009 as Chief Executive Officer of the NHP Foundation (NHPF), a leading national nonprofit owner of affordable multi-family housing for low and moderate-income families.  One of the founders of NHPF in 1989, Mr. Mehreteab, through NHPF, creatively used an array of public and private financing sources to acquire, rehabilitate and develop a portfolio of 46 properties in 14 states, providing over 10,000 quality units.  Mr. Mehreteab oversaw a staff of 23 professionals, and a number of consultants, while developing the NHPF properties.  For two years prior to the formation of NHPF, Mr. Mehreteab served as vice president of the National Housing Partnership, a congressionally chartered corporation.  Prior to that, he worked at the Ford Foundation for 6 years as a program officer responsible for community and economic revitalization in major US cities.  From 1972 to 1978, he worked as an associate director of the New World Foundation in New York and at a variety of community service organizations in Philadelphia, PA.

Currently, Mr. Mehreteab serves as a consultant to major foundations, as a lecturer in the Distinguished Visitors program at Haverford College, and on the board of directors of Douglas Emmett, Inc., one of the nation's largest REITs.  He is also a member of the Council on Foreign Relations, the Cosmos Club, the Economic Club of Washington, DC, and the Sigma Pi Phi Epsilon Boulé. Mr. Mehreteab received his B.A. in 1972 and Doctor of Humane Letters (honoris causa), in 2007, both from Haverford College. 

Togo D. West, Jr. was Secretary of the Army, later Secretary of Veterans Affairs, and Chairman of the Board of Directors of the Panama Canal Commission in the Clinton Administration.  In previous administrations, he served as General Counsel of the Department of Defense, Special Assistant to the Secretary and Deputy Secretary of Defense, General Counsel of the Navy, and Associate Deputy Attorney General in the U.S. Department of Justice.  Secretary West is a member of the Defense Health Board; was Co-Chair of the Department of Defense’s Independent Review Group of rehabilitative health care at Walter Reed Army Medical Center and the National Naval Medical Center; was Co-Chair of the Department of Defense Independent Review Related to Fort Hood; and has previously served as a member of the Defense Policy Board.  He has been named a Distinguished Eagle Scout by the Boy Scouts of America.  Secretary West is currently Chairman of TLI Leadership Group, of Noblis, Inc., and is a member of several corporate boards.

Cornel A. Williams is currently the President of US Virgin Islands-based International Capital & Management Company (ICMC), which provides asset management services to US and international clients.  From 2003 to 2007, Mr. Williams served as the chief financial officer of ICMC, recruiting the staff and assisting in the implementation of the strategic plan for the company. Prior to that, Mr. Williams served as the Special Assistant to Vice President of Administration and Finance of the University of the Virgin Islands.  From 1996 to 2002, Mr. Williams was vice president and chief financial officer of Lockhart Companies Incorporated, with responsibility for the financial planning, accounting, and financial analysis for the parent holding company and all of the subsidiary companies within the group.  Prior to his service with Lockhart, Mr. Williams held financial management positions with a variety of significant companies in the US Virgin Islands.  Mr. Williams is a member of the board of the United Way of St. Thomas/St. John, United Way International, Virgin Islands Capital Resources, and V.I Montessori School. 


The Rev. Dr. Wesley S. Williams, Jr., K.St.J. is Co-Chairman of the board of directors, Co-CEO, as well as President and Chief Operating Officer of Lockhart Companies Incorporated and has been a member of the Company's Executive Committee since 1987.  Dr. Williams is also Co-Chairman of Lockhart Insurance, Lockhart Financial Services, and Lockhart Real Estate. A member of the District of Columbia and New York Bars, and retired from the firm of Covington & Burling, Dr. Williams specialized in financial services, real estate, finance, and corporate and securities law.  Dr. Williams formerly served as a member of the boards of directors of CarrAmerica Realty Corporation, Blackstar Communications, Inc., the Federal Reserve Bank of Richmond, Salomon Inc., and The Bear Stearns Companies; a member of the board of trustees of Penn Mutual Life Insurance Company; a member of the board of the Regents of the Smithsonian Institution; and a member of the board of overseers of Harvard University.  A member of the American Law Institute, Dr. Williams at one time held a faculty appointment at Columbia University Law School, and later served as an Adjunct Professor of real estate finance and financial services law at Georgetown University Law Center. He holds BA and JD degrees from Harvard University, an MA degree from Tufts University's Fletcher School (earned as a Woodrow Wilson Fellow), and an LLM degree from Columbia University Law School.  In addition, Dr. Williams, ordained as an Episcopal priest, currently serves as the Bishop's Dean for St. Thomas and St. John, Episcopal Diocese of the Virgin Islands (US and UK).

George H.T. Dudley, Esq. is Co-Chairman of the board of directors and Co-CEO of Lockhart Companies Incorporated and has been a member of the Company's Executive Committee since 1987. Mr. Dudley is also Co-Chairman of Lockhart Insurance, Lockhart Financial Services, and Lockhart Real Estate. A member of the US Virgin Islands and Pennsylvania Bars, and the founder, in 1978, and  senior  partner of the firm of Dudley, Topper and Feuerzeig, LLP  (the largest law firm in the  US  Virgin Islands), Mr. Dudley specializes in financial services, real estate  development , finance, and  business management and  development  law. Mr. Dudley is a life member of the American Law Institute (serving on the Institute's governing Council and as Chair of its Membership Committee), is a Fellow in the American College of Real Estate Lawyers (ACREL), and a member (and past Chairman) of the Villanova Law School Board of Consultors, and was formerly a member of the board of trustees of the University of the Virgin Islands (where he served on its Executive Committee and as Chairman of the Board's Committee on Finance). Mr. Dudley received his undergraduate degree from George Washington University and his JD from Villanova University. In 1994, Mr. Dudley received the honorary title of Chevalier (Knight) from the King of Belgium for his years of service as Honorary Consul of Belgium.  Mr. Dudley served as an Advisor to the Restatement of the Law, Third, Property (Mortgages), published by the American Law Institute.  He has served as Chancellor of the Episcopal Diocese of the Virgin Islands and has Chaired the Diocesan Committee on Constitution and Canons.

N. William Jarvis currently serves as Executive Vice President of Lockhart Companies Incorporated and as President and Chief Operating Officer of Lockhart Finance Corporation. Before joining Lockhart, Jarvis served as Executive Vice President of WETA's Greater Washington Broadcast Group, managing WETA's television and radio stations, cable and Internet ventures, fundraising, and communications. Before WETA, Jarvis was a partner with the law firm of Baker & Hostetler, LLP.  Based in Washington, DC, Jarvis serves on the board of the Economic Club of Washington, DC.  A graduate of the University of Virginia's McIntire School of Commerce, Jarvis earned his JD from the University of Virginia School of Law. He resides with his wife and two sons in the District of Columbia.

Etienne R. Bertrand joined Lockhart in 1990 as Senior VP/Development, and currently serves as President and Chief Operating Officer of Lockhart Real Estate.  Prior to joining Lockhart, Mr. Bertrand served as Senior Project Manager with the Barker Partrinely Group in Miami and Ft. Lauderdale, Florida; Construction Manager for Gerald D. Hines Interests in Miami, Florida and Houston, Texas; Project Architect for 3D/International in Houston; Project Captain for John S. Chase, FAIA in Houston; and Technical Production Coordinator for A.M. Kinney-Wm. J. Rabon & Associates in Cincinnati. A licensed architect in the US Virgin Islands and Texas, Mr. Bertrand received his bachelor of architecture degree from the University of Cincinnati. Mr. Bertrand is also a past member of the American Institute of Architecture, and a current member of the Urban Land Institute and International Council of Shopping Centers.

Raymond L. Fournier is the President and Chief Operating Officer of Lockhart Insurance, also serving as President of Guardian since 1996, President of Heritage since 1993, and President of Echelon since 2008.  Mr. Fournier, who is a native of Puerto Rico, received a BA degree in economics and finance from Clark University, and trained in reinsurance at the Munich Reinsurance Company, Munich, Germany, Scor Reinsurance, Paris, France, Cologne Reinsurance Company, Cologne, Germany, and also at D.G. Durham Ltd., at Lloyd's of London.

Karen V. Bryan currently serves as the President of both Premium Finance Company (Caribbean) Ltd. and Premium Finance Company (E.C.) Ltd.   She received her BA degree in Accounting from the University of the Virgin Islands.  Bryan first joined the companies in 1995, but left in 1999 to join Jacobs Pan American, where she served as Human Resource Manager.  She returned to Premium Finance Company in 2000.  Since her return, Bryan has handled all aspects of the operations of the finance companies, working her way up to role of President, to which she was elected in 2008.