Investment and Portfolio Management   John A. Lumbard, CFA.   John started his career as a bond clerk and preferred-stock trader, on Wall Street with Reynolds Securities.  After three years in retail brokerage with Dean Witter Reynolds he moved to the portfolio management and trust side of the business as an investment officer for First Bank, for the Rhode Island Hospital Trust, and for the Indian Head National Bank. He founded Lumbard Investment Counseling, at its current Hollis location, in 1990. John has a bachelor's degree in Economics from Colby, and received his Chartered Financial Analyst designation (the professional designation of investment management and research) in 1984.     Drew D. Kellner, CFA. Drew, a native of Hollis, joined the firm as a partner and SEC-registered investment adviser in 2005.   His prior experience includes research and development, marketing, and venture-capital finance at a high-tech startup. Drew has a BS and an MBA from the Whittemore School of Business and Economics at UNH. In 2007, Drew became a trustee for Beaver Brook Association, and was named the chairman of the board in 2009. Drew received his Chartered Financial Analyst designation in 2010 and is a member of the Boston Security Analysts Society.     John M. Convery, Jr., CFA. John, a member of our Investment Advisory Board since 1990, registered as an investment adviser with Lumbard Investment Counseling in 2002. Until 1999 he was a Senior Vice President and portfolio manager with FleetBoston; his career also included a stint as head of investments at the Fidelity Bank in Philadelphia. Both of his degrees in economics--- a BS and an MA---were awarded by the University of Pennsylvania’s Wharton School.   SEC - Registered Adviser   David W. Lowrance. A retired CPA, David continues (as Lowrance Associates) to assist public and private corporations as a financial and investment consultant and an interim Chief Financial Officer---with a special focus on Sarbanes-Oxley financial reporting. David is registered with the SEC as a Lumbard Investment Counseling investment adviser, and works part-time as a forensic accountant and research analyst.  He has a degree in Accounting and Business Administration from the University of North Carolina, Chapel Hill.   Investment Research And Advisory Board   William J. Weiland, CFA. A member of our Investment Advisory Board since 1990, Bill divides his working hours between the (Providence, RI) investment advisory offices of Newman, Dignan, and Sheerar and his own Thames Investment Research.  He has thirty years of investment experience, complemented by a BA from Allegheny College and an MBA from the University of Pittsburgh.     Paul K. Wright, CFA. A graduate of the University of Rhode Island with a B.A. and an M.A. in Economics, Paul received his CFA charter in 1985. Paul is our chief economist and equity-research analyst, and has decades of experience in those roles at the Rhode Island Hospital Trust, Shawmut Banks, State Street, and Loomis, Sayles & Company.