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28. Mr. John Palmer

Vice President, Ohio Nacional Financial Services, USA

Mr. Palmer is the Executive Vice President of the Ohio National Life Insurance Company, Ohio National Life Assurance Corporation, Ohio National Financial Services, Inc..  He is the Director of the O.N. Equity Sales Co., President and Director of Ohio National Equities, Inc., the President and Chairman of ON Fund, Inc., the President and Chairman of Dowsm Target Variable Fund LLC, and the Chairman of Fiduciary Capital Management, Inc.

Prior to joining Ohio National Financial Services, Mr. Palmer was Senior Vice President and member of the Board and Executive Committee for the Life Insurance Company of Virginia from 1980 to 1997. He also held various actuarial positions from 1962 to 1980.

Mr. Palmer received his Fellowship from the Society of Actuaries in 1970 and became a member of the American Academy Actuaries in 1975.   He also serves as a member of Advisory Council, University of Cincinnati College of Business Administration, member of Cincinnati Opera Board, and member of Board of Trustees of Cincinnati Country Day School.

Mr. Palmer received the Bachelor's of Arts in Math & Philosophy from the University of Virginia in 1961 with honor.

A Regional Seminar on the Development on Non-Bank Financial Institutions in Latin America Region

Santiago- Chile

12/4/2002Page 32 of 49

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