"CLOVER PARTNERS LP serves as sector adviser to the financial sector of The
Highlands Growth Fund(R). Clover Partners is a registered investment
adviser that has provided investment management services to pension and
profit sharing plans, trusts, charitable organizations and other
institutions. Since its inception in December 1999, Clover Partners has
also served as a manager of alternative assets for many high net worth
individuals, corporations, pension and profit sharing plans, as well as
other institutions. As of December 31, 2002, Clover Partners managed
approximately $39 million in assets. Michael C. Mewhinney, who is a
founding member and senior partner, is the portfolio manager primarily
responsible for the daily management of those assets of The Highlands
Growth Fund(R) allocated to Clover Partners. Prior to founding Clover
Partners, Mr. Mewhinney was principal and portfolio manager for Barrow,
Hanley, Mewhinney & Strauss, an investment adviser, for approximately 25
years. Clover Partners' executive offices are located at 2100 McKinney
Avenue, Suite 1500, Dallas, TX 75201."
