Diane M. Hendricks started her career in 1970 along with her husband, Ken, by purchasing and renovating residential properties. Simultaneously, Ken owned a commercial roofing company and together they now own a vast portfolio of commercial real estate throughout the United States. In 1982, they saw the need for a national distribution chain, ABC Supply Company, to supply contractors with roofing and siding products. Diane was responsible for its administration, and concentrated on insurance requirements and related legal matters. Ken focused on growth and services. In the late 1980's Diane established an offshore insurance captive primarily for self-insuring ABC Supply. After analyzing the insurance needs of the building contractors and the exposure to such variable and inconsistent costs of insurance, it was apparent that contractors needed a more reliable source for acquiring the necessary insurance coverage. In 1993, she formed an insurance agency, American Patriot Insurance, with offices in Chicago to provide alternative and comprehensive insurance programs to the construction industry. Along with the success of these businesses, has come diversification and now both Diane and Ken hold various board positions of a broad range of business interests within their portfolio. She also currently serves on the boards of seven charitable and civic organizations, is past Chair of the United Way and Stateline Community Foundation, and spends much of her free time in philanthropic activities.

Richard E. Kleinschmidt has served as Vice President - Commercial Auto with Gateway since 1992. In this position, Mr. Kleinschmidt’s responsibilities have included all aspects of the development of the Commercial Auto program, including underwriting, loss control, product research and development, and product pricing, as well as providing claims and reinsurance input. Under his direction, Gateway’s Commercial Auto business has grown from $1 million to a projected $16 million in 2006, with loss and LAE ratios consistently below 65%. He has been directly responsible for growing Gateway’s licensure from four states in 1992 to 36 states today. From 1988 to 1992, he served with Gateway as Executive Vice President, with responsibility for managing all aspects of commercial auto and private passenger auto, including pricing, product research, reinsurance placement, and claims monitoring. Mr. Kleinschmidt joined Gateway’s predecessor company in 1983 as Marketing Manager. He earned a Bachelor of Science in Business Administration from St. Louis University in 1975, and holds the designations of CPCU, CIC, and CRM.

Serena M. Lintker has served as Gateway’s Vice President – Finance and Reinsurance since January 2004, and is responsible for all accounting, finance, and reinsurance matters. Prior to joining Gateway, Ms. Lintker served with Great West Healthcare as Associate Manager of Financial Operations from 2001 to 2004. In this position, she was responsible for a $53 million divisional budget. Prior to her tenure with Great West, Ms Lintker served with GenAmerica as Senior Accountant from 1998 to 2001. In this position, she was responsible for preparing GAAP and statutory audited financial statements and coordinating the annual budget process. Ms. Lintker served as Senior Accountant at Boeing from 1996 to 1998. In this position, she was responsible for monthly closing activities and account reconciliations. Ms. Lintker earned a Masters in Business Administration from Southern Illinois University in Edwardsville, IL in 2003. She earned a Bachelor of Science in Accounting from Millikin University in Decatur, IL in 1996. Ms. Lintker is a certified public accountant.

Sandie K. Lehde has served as Gateway’s Vice President - Claims and Litigation since 1990. Ms. Lehde previously served with Gateway Adjustment Bureau (now part of Gateway) as Assistant Manager from 1986 to 1990, Senior Claims Representative from 1984 to 1986, and Claims Adjuster from 1981 to 1984. Prior to joining the Company, Ms. Lehde served as a Claims Adjuster with Aetna Casualty and Surety from 1978 to 1981. She holds adjuster licenses in the States of Kentucky, Florida, Oklahoma, and Arkansas, and is also enrolled in the IIA/CPCU continuing education program. Ms. Lehde earned her designation of Associate in Claims in 1991, is an active member of the St. Louis Claims Association, and serves as an active Arbitrator for the St. Louis Arbitration Forum.

Carol Moor has served as Vice President of Construction Underwriting since December 2005 and is an attorney with extensive knowledge in the area of construction defect. She joined APIA in 1998 to oversee and monitor construction defect litigation in the United States, with a particular focus on California and Nevada, where the vast majority of construction defect lawsuits are venued. Ms. Moor has transferred from APIA to Gateway in order to assist Mr. Foran in managing the CA and CGL book of business for roofing contractors. Ms. Moor holds a B.A degree in psychology from the University of San Francisco and graduated from Golden Gate University Law School - San Francisco- in 1988. She is a member of the California Bar.

Lyn Ward has served as Gateway’s Private Passenger Auto Underwriting Manager since 2003. Currently, Vice President of Private Passenger Underwriting, Ms. Ward’s responsibilities include all aspects of the Company’s private passenger auto insurance business including marketing, underwriting, customer service, administrative functions as well as filing rates, rules and forms with the insurance authorities in Kansas and Missouri for private passenger auto. Prior to joining Gateway, Ms. Ward served as Assistant Vice President with National Alliance Insurance Company from 1997 to 2002. While with National Alliance, Ms. Ward also served on the Claims and Pricing Committees. From 1995 to 1997, Ms. Ward served as Director of Auto Underwriting and was responsible for the start up of the private passenger auto program for AVEMCO Corporation and Subsidiaries in 19 states. Ms. Ward served as a Sales and Service Manager with Great American Company from 1990 to 1995 where she was instrumental in adding $10,000,000 in new sales two years in a row. Ms. Ward holds a Missouri Brokers License and attended St. Louis Community College.

John F. Wagner has served as Assistant Program Manager - Commercial Auto with Gateway since 1999, working with all aspects of the Company’s commercial auto insurance business including underwriting, processing, loss control activities, and filing rates and forms with the insurance authorities in the 25 states in which Gateway engages in commercial auto business. Prior to joining Gateway, Mr. Wagner served as Branch Underwriting Director with Kemper Insurance Company from 1990 to 1998. While with Kemper, Mr. Wagner served as Commercial Casualty Underwriting Manager from 1990 to 1992, Division Casualty Manager – Mid-Continent Region from 1992 to 1996, and Branch Underwriting Director from 1996 to 1998. From 1979 to 1990, he served with Hartford as Underwriter Trainee from 1979 to 1987, Senior Staff Underwriter from 1987 to 1988, and Assistant Commercial Casualty Underwriting Manager from 1988 to 1990. Mr. Wagner earned a Bachelor of Science in Business Administration and Finance from the University of Colorado in Boulder in 1979. Mr. Wagner holds the designation of CIC, and is a member of the Society of State Filers.

Theresa R. Thorburg has been Vice President Administration for Gateway Insurance Company since 2001. Ms. Thorburg joined Gateway’s predecessor company in 1984 where she held several positions in her 22 years with the company, including executive assistant to the Chairman and President, supervision of all clerical staff and all functions of the office manager. As Vice President of Administration, she is responsible for office administration including human resources and administration of employee benefits including group medical, dental, life, health and disability plans. Ms. Thorburg attended St. Louis Community College. She is active in local charities and sits on the Board of Directors at a local St. Louis school.