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Cost Management Committee

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It is the Cost Management Committee's duty to oversee our cost savings initiatives and help determine if additional cost savings are obtainable.

Thomas G. Apel, Chairman

Executive Committee
Thomas G. Apel currently serves as president of Intrepid Ideas, Inc., a product development, technology evaluation and business strategy consulting firm for financial services and real estate finance companies. He also is a fellow with the Massachusetts Institute of Technology in the advanced study program, currently focused on business model taxonomy and IT portfolio strategies.

Glenn Christenson

Audit Committee | Executive Committee
Glenn C. Christenson has been the Managing Director of Velstand Investments, LLC since 2004. He also serves as Chief Financial Officer, Senior Vice President, Treasurer and Assistant Secretary at Rancho Station, LLC.

Robert L. Clarke

Audit Committee | Executive Committee
Robert L. Clarke is a senior partner in the Houston office of Bracewell & Giuliani, LLP, where he founded the firm's national and international financial services practice. He has extensive experience in the ownership and operation of banks, banking laws and regulations and bank supervision, both in the United States and internationally.