Richard M. Kovacevich
Chairman & CEO
Wells Fargo & Company

Richard M. Kovacevich became president and CEO of Wells Fargo & Company on November 2, 1998, with the merger involving Norwest Corporation and Wells Fargo & Company and became chairman in April, 2001. He was named Norwest's CEO in 1993 and chairman in 1995, after serving as president and COO since 1989. He joined Norwest in March 1986 as vice chairman and COO of the corporation and head of the Banking Group.

Before joining Norwest Corporation, Mr. Kovacevich was group executive and member of the policy committee of Citicorp in New York. He began his business career at General Mills first as a planner, then moving to mergers and acquisitions and, finally, to division manager.

Mr. Kovacevich holds bachelor's and master's degrees in industrial engineering and a master's of business administration degree, all from Stanford University.

He is a member of the board of directors of Cargill, Incorporated, Target Corporation, director of the California Business Roundtable, San Francisco Committee on JOBS, a member of the board of governors of the San Francisco Symphony and a member of the board of trustees of the San Francisco Museum of Modern Art. He is a past president of The Financial Services Roundtable, and vice chairman of the American Bankers Council.

Jeff Thregold
Economic Consultant to Zions Bank; President, Thregold Economic Associates

Jeff Thredgold is President of Thredgold Economic Associates, a professional speaking and economic consulting company.

His career includes 23 years with KeyCorp, one of the nation's largest financial services companies, stretching from Maine to Alaska with assets of more than $85 billion, where he served as Senior Vice President and Chief Economist. He currently serves as economic consultant to $23 billion Zions Bancorporation, with banks in eight states, as well as to Zions Bank Capital Markets, one of the nation's 26 primary government bond dealers. Jeff also serves as economic consultant to financial services clients in two other states.

Jeff has appeared dozens of times on CNBC-TV, the nation's business network, as well as numerous appearances on CNN, and is quoted frequently in such publications as The Wall Street Journal, USA TODAY, Investor's Business Daily, and Business Week. He is a monthly contributor to the national publication Blue Chip Financial Forecasts and quarterly USA TODAY economic forecast surveys.

Jeff has been writing a weekly economic and financial newsletter for 26 years. The current version, entitled the Tea Leaf, is distributed around the country. His book, Economy by Thredgold, was released in December 2000. The company also produces quarterly economic reports and a monthly small business index for various clients.

Jeff was 1999-2000 President of the National Speakers Association's Utah Chapter, and has spoken more than 950 times during the past 13 years, traveling more than one million miles in the process. He has served as an adjunct professor of finance at the University of Utah for the past 16 years and formerly served as President of the National Association for Business Economics Utah Chapter. He is a former member of the Economic Advisory Committee of the American Bankers Association and the Economic Policy Committee of the U.S. Chamber of Commerce.

Jeff received a bachelor's degree in business administration from Weber State University and a master's degree in economics from the University of Utah. In addition, he completed investment banking schools at Southern Methodist University and the University of Illinois.

Craig Cobia
Assistant Vice President
Beehive Federal Credit Union

Craig manages human resources, marketing, training/education, and past due accounts. He also assists with legislative affairs, is East Idaho chapter of credit unions chairman, and past president of Madison Lions club. He enjoys Japanese and received the coveted superior performer award from Hughes Aircraft Company. He has written for national trade publications and spoken at national conventions. He earned his masters of education degree from Idaho State University and is now working towards a double doctorate.

Craig graduated from BYU in financial and estate planning and successfully started and operated two small businesses while also working full time.

The first business provided transportation for Hughes employees during the 142 mile daily roundtrip commute. The second, as computer consultant, he programmed for Hughes Aircraft Company, Harris Bank, and Toiyabe property management group. Craig was recruited to fill executive positions at several financial institutions but instead has chosen to sink his roots deep into east Idaho soil. Craig has lectured and written to national audiences as well as provided leadership for both community and professional organizations.

He recently earned his masters of education degree from Idaho State University and is now working towards a double doctorate from both the University of Idaho and Idaho State University. For diversion Craig enjoys speaking Japanese. Craig also completed two fifty mile hikes (one with each son) and has climbed the Grand and middle peaks in Grand Teton National Park. He also reached the summit of Mount Whitney, the tallest peak in the continental United States, jogging the last three miles of that hike.

Phil Burgess

Senior Fellow & President

Center for the New West

Phil Burgess is a writer and commentator on social, political, economic and cultural trends. He is also a senior fellow at the Center for the New West, a nonprofit, public policy think tank based in Denver where he served as the founding president from 1988-1999.

Phil is a former academic. For 19 years, he taught public policy, management and resource economics at The Ohio State University, the University of Colorado and the Colorado School of Mines.

Phil has also been active in public affairs at the federal, state and local levels. During the mid-1980s, he served as executive director of the National Policy Commission, a group of 100 Senators, members of Congress, Governors and other elected officials. Other national posts include the Department of State's European Advisory Council, the Pacific Economic Cooperation Council and the nation's first privacy commission.

He also served seven years as president of the 16-state Western Governors Policy Office, head of the Federation of Rocky Mountain States and two terms as Colorado Commissioner to the Western Interstate Commission on Higher Education (WICHE).

In the private sector, he served most recently as corporate vice president for communications and public relations at U S West Communications, a Fortune 100 company, prior to its merger with Qwest Communications in July 2000. He is also a founding member of the board of the United States Internet Council and served as vice-chairman of Effinity OnLine, Inc., a new Internet marketplace founded in 1999.

For 10 years beginning in 1990, Burgess wrote a weekly column on political and business issues for the Rocky Mountain News. The column was distributed nationally by the Scripps Howard News Service. He is also a frequent guest on radio and television. These include CNN, the Nightly Business Report, National Public Radio, and the McLaughlin Group - where he addresses issues of business and public policy. In 1995-96, he hosted "Body Politic," a weekly public affairs program on public television in Denver.

In his spare time, Burgess is an adventurer - from sail planes and white water rafting to sailboats and blue water racing - and he is a fan of "extreme" sports. In 1992, he crewed an open-cockpit sailboat in the Americas 500, a trans-Atlantic sailboat race - from Palos, Spain and the Canary Islands to San Salvador Island in the Bahamas. He has driven NASCAR racing machines and floated western rapids in a McKenzie River drift boat. He is also on the Maryland Board of Directors of the Fellowship of Christian Athletes.

Burgess received his BA in political science from Knox College and a Ph.D. from The American University. He is a former Fulbright Scholar in Norway and was elected to the National Academy of Public Administration in 1978.

Burgess, his wife and two teenaged children live in Annapolis, Maryland where he is a Lone Eagle telecommuter and an expert on the United Airlines flight schedule.

He can be reached on the Internet: [email protected]

Karen Gudmundson
Select Strategies, Inc.

Prior to starting Select Strategies, Inc. in 1997, Karen worked for the CEDO in Orem, where she was Marketing Director. In that position she did management, funding, and business consulting, helped start-up and co-manage a small business incubator, assisted UTFC in writing the application for the State of Utah Revolving Loan Fund, packaged and completed due diligence of State and City Revolving Loan Fund loans, and marketed the City of Orem for start-up, retention, and relocation of businesses.

In 1997 she launched Select Strategies, a company that provides professional consulting services that focus on developing long-term strategies for small businesses. She is the SBA's 2001 Financial Services Advocate of the Year.

J. James Palmer Jr.
Director fo Solutions Architecture
Digital Signature Trust Co. (DST)

Mr. Palmer has over fifteen years experience in the financial industry, the last ten related directly or indirectly to Information Technology. Prior to joining DST, Jim was Senior Project Manager at the American Express Smart Card Center of Excellence, where he managed multi-application smart card projects in the Travel and Entertainment industry and led smart card personalization efforts.

He also worked eight years at the Federal Reserve Bank of San Francisco, where he was responsible for information security polices on a national level, deployment of an early PKI on a national scale, and client/server network consulting.

In the early 1980's, Mr. Palmer conceived and implemented an innovative paperless contracting system that linked defense contractors to the U.S. Dept. of Defense over the Darpanet (now the Internet). He has been on the Internet for sixteen years.