WILLIAM A. FRAZELL
   Born - Lafayette, Louisiana
   State Bar of Texas - 1990
   St. Mary's University School of Law:
        Juris Doctor - 1990
   Texas Board Certified:
        Consumer Bankruptcy Law
        Business Bankruptcy Law
   Texas Licensed Real Estate Broker
   Former Law Clerk to U.S. Bankruptcy Judge Ronald B. King 
   Former Attorney-Advisor for the U. S. Trustee:
        Western District of Texas
   Former Assistant Attorney General of Texas:
        Bankruptcy & Collections Division
   Admitted to Practice before the:
        Northern, Eastern, Southern, & Western Districts of Texas
        U.S. Court of Appeals for the Fifth Circuit
        U.S. Supreme Court
   Member Western District of Texas Panel Chapter 7 Trustees
   University of Louisiana, Lafayette - B.S. in Geology - 1982

R. JOHN MOSLEY
   Born - Austin, Texas
   State Bar of Texas - 1990
   Southern Methodist University School of Law:
        Master of Laws, Taxation - 1991
   St. Mary's University School of Law:
        Juris Doctor - 1990
   Texas Licensed Real Estate Sales Broker
   State Board of Public Accountancy - 1992
   Admitted to Practice before the:
        U.S. Tax Court
        U.S. District Court, Western District of Texas
        U.S. Court of Appeals for the Fifth Circuit
   University of Texas B.B.A., Accounting 1987

RAUL T. SEPULVEDA
   Born - Detroit, Michigan
   State Bar of Texas - 1992
   South Texas College of Law:
        Juris Doctor - 1992
   Admitted to Practice before the:
        U.S. District Court, Southern District of Texas
        U.S. District Court, Western District of Texas
   American Graduate School of International Management:
        M.B.A. - 1988
   Southern Methodist University - Bachelor of Arts, Economics 1986