Ms. Richards is an independent director under the rules of the NYSE. From 2008 to the present, Ms. Richards has served as Chief Operating Officer of Armour Reinsurance Group Limited. Prior to 2008, Ms. Richards served as Director of Development of Saltus Grammar School from 2003 to 2008, as Chief Financial Officer of Lombard Odier Darier Hentsch (Bermuda) Limited from 2001 to 2003, and as Treasurer of Gulfstream Financial Limited from 1999 to 2000. Ms. Richards serves as a member of the Audit and Corporate Governance committee of the board of directors of Butterfield Bank and as a member of the Audit and Compensation committee of the board of directors of Wyndham Worldwide. Ms. Richards also serves as the Chairman of the board of directors of PRIDE (Bermuda), a drug prevention organization. Ms. Richards graduated from Queen’s University, Ontario, Canada, with a BA in psychology.