UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
SCHEDULE 13D
Under the Securities Exchange Act of 1934
(Amendment No. )*
Cambio, Inc.
- --------------------------------------------------------------------------------
(Name of Issuer)
Class A Common Stock
- --------------------------------------------------------------------------------
(Title of Class of Securities)
13200N-10-0
- --------------------------------------------------------------------------------
(CUSIP Number)
- --------------------------------------------------------------------------------
Joseph B. Wollard, Esq.
Citigroup Inc.
425 Park Avenue, 3rd Floor
New York, NY 10043
- --------------------------------------------------------------------------------
(Name, Address and Telephone Number of Person Authorized to Receive
Notices and Communications)
May 4, 1999
---------------------------------------------------------------
(Date of Event which Requires Filing of this Statement)
If the filing person has previously filed a statement on Schedule 13G to report
the acquisition that is the subject of this Schedule 13D, and is filing this
schedule because of ss.ss.240.13d-1(e), 240.13d-1(f) or 240.13d-1(g), check the
following box.
Note: Schedules filed in paper format shall include a signed original and five
copies of the schedule, including all exhibits. Seess.240.13d-7 for other
parties to whom copies are to be sent.
*The remainder of this cover page shall be filled out for a reporting person's
initial filing on this form with respect to the subject class of securities, and
for any subsequent amendment containing information which would alter
disclosures provided in a prior cover page.
The information required on the remainder of this cover page shall not be deemed
to be "filed" for the purpose of Section 18 of the Securities Exchange Act of
1934 ("Act") or otherwise subject to the liabilities of that section of the Act
but shall be subject to all other provisions of the Act (however, see the
Notes).
<PAGE>
- --------------------------------- ----------------------------
CUSIP No. 13200N-10-0 Page 1 of 20 Pages
- --------------------------------------------------------------------------------
1) NAME OF REPORTING PERSON
S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
The Travelers Insurance Company
- --------------------------------------------------------------------------------
2) CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
(a) [X]
(b) [ ]
- --------------------------------------------------------------------------------
3) SEC USE ONLY
- --------------------------------------------------------------------------------
4) SOURCE OF FUNDS*
WC
- --------------------------------------------------------------------------------
5) CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO
ITEMS 2(d) OR 2(e)
[ ]
- --------------------------------------------------------------------------------
6) CITIZENSHIP OR PLACE OF ORGANIZATION
Connecticut
- --------------------------------------------------------------------------------
7) SOLE VOTING POWER
NUMBER OF 0
SHARES ----------------------------------------------------------
BENEFICIALLY 8) SHARED VOTING POWER
OWNED BY 3,430,000
EACH ----------------------------------------------------------
REPORTING 9) SOLE DISPOSITIVE POWER
PERSON 0
WITH ----------------------------------------------------------
10) SHARED DISPOSITIVE POWER
3,430,000
- --------------------------------------------------------------------------------
11) AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
3,430,000
- --------------------------------------------------------------------------------
12) CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES*
[ ]
- --------------------------------------------------------------------------------
13) PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
17.7%
- --------------------------------------------------------------------------------
14) TYPE OF REPORTING PERSON*
IC
- --------------------------------------------------------------------------------
* SEE INSTRUCTIONS BEFORE FILLING OUT
<PAGE>
- --------------------------------- ----------------------------
CUSIP No. 13200N-10-0 Page 2 of 20 Pages
- --------------------------------------------------------------------------------
1) NAME OF REPORTING PERSON
S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
The Travelers Insurance Group Inc.
- --------------------------------------------------------------------------------
2) CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
(a) [X]
(b) [ ]
- --------------------------------------------------------------------------------
3) SEC USE ONLY
- --------------------------------------------------------------------------------
4) SOURCE OF FUNDS*
AF
- --------------------------------------------------------------------------------
5) CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO
ITEMS 2(d) OR 2(e)
[ ]
- --------------------------------------------------------------------------------
6) CITIZENSHIP OR PLACE OF ORGANIZATION
Connecticut
- --------------------------------------------------------------------------------
7) SOLE VOTING POWER
NUMBER OF 0
SHARES ----------------------------------------------------------
BENEFICIALLY 8) SHARED VOTING POWER
OWNED BY 3,430,000**
EACH ----------------------------------------------------------
REPORTING 9) SOLE DISPOSITIVE POWER
PERSON 0
WITH ----------------------------------------------------------
10) SHARED DISPOSITIVE POWER
3,430,000**
- --------------------------------------------------------------------------------
11) AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
3,430,000**
- --------------------------------------------------------------------------------
12) CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES*
[ ]
- --------------------------------------------------------------------------------
13) PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
17.7%**
- --------------------------------------------------------------------------------
14) TYPE OF REPORTING PERSON*
CO
- --------------------------------------------------------------------------------
* SEE INSTRUCTIONS BEFORE FILLING OUT
** Represents shares of Class A Common Stock ("Common Stock") directly
beneficially owned by The Travelers Insurance Company ("TIC")
<PAGE>
- --------------------------------- ----------------------------
CUSIP No. 13200N-10-0 Page 3 of 20 Pages
- --------------------------------------------------------------------------------
1) NAME OF REPORTING PERSON
S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
PFS Services, Inc.
- --------------------------------------------------------------------------------
2) CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
(a) [X]
(b) [ ]
- --------------------------------------------------------------------------------
3) SEC USE ONLY
- --------------------------------------------------------------------------------
4) SOURCE OF FUNDS*
AF
- --------------------------------------------------------------------------------
5) CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO
ITEMS 2(d) OR 2(e)
[ ]
- --------------------------------------------------------------------------------
6) CITIZENSHIP OR PLACE OF ORGANIZATION
Georgia
- --------------------------------------------------------------------------------
7) SOLE VOTING POWER
NUMBER OF 0
SHARES ----------------------------------------------------------
BENEFICIALLY 8) SHARED VOTING POWER
OWNED BY 3,430,000**
EACH ----------------------------------------------------------
REPORTING 9) SOLE DISPOSITIVE POWER
PERSON 0
WITH ----------------------------------------------------------
10) SHARED DISPOSITIVE POWER
3,430,000**
- --------------------------------------------------------------------------------
11) AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
3,430,000**
- --------------------------------------------------------------------------------
12) CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES
[ ]
- --------------------------------------------------------------------------------
13) PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
17.7%**
- --------------------------------------------------------------------------------
14) TYPE OF REPORTING PERSON
CO
- --------------------------------------------------------------------------------
* SEE INSTRUCTIONS BEFORE FILLING OUT
** Represents shares of Common Stock directly beneficially owned by TIC
<PAGE>
- --------------------------------- ----------------------------
CUSIP No. 13200N-10-0 Page 4 of 20 Pages
- --------------------------------------------------------------------------------
1) NAME OF REPORTING PERSON
S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
Associated Madison Companies, Inc
- --------------------------------------------------------------------------------
2) CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
(a) [X]
(b) [ ]
- --------------------------------------------------------------------------------
3) SEC USE ONLY
- --------------------------------------------------------------------------------
4) SOURCE OF FUNDS
AF
- --------------------------------------------------------------------------------
5) CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO
ITEMS 2(d) OR 2(e)
[ ]
- --------------------------------------------------------------------------------
6) CITIZENSHIP OR PLACE OF ORGANIZATION
Delaware
- --------------------------------------------------------------------------------
7) SOLE VOTING POWER
NUMBER OF 0
SHARES ----------------------------------------------------------
BENEFICIALLY 8) SHARED VOTING POWER
OWNED BY 3,430,000**
EACH ----------------------------------------------------------
REPORTING 9) SOLE DISPOSITIVE POWER
PERSON 0
WITH ----------------------------------------------------------
10) SHARED DISPOSITIVE POWER
3,430,000**
- --------------------------------------------------------------------------------
11) AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
3,430,000**
- --------------------------------------------------------------------------------
12) CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES*
[ ]
- --------------------------------------------------------------------------------
13) PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
17.7%**
- --------------------------------------------------------------------------------
14) TYPE OF REPORTING PERSON*
CO
- --------------------------------------------------------------------------------
* SEE INSTRUCTIONS BEFORE FILLING OUT
** Represents shares of Common Stock directly beneficially owned by TIC
<PAGE>
- --------------------------------- ----------------------------
CUSIP No. 13200N-10-0 Page 5 of 20 Pages
- --------------------------------------------------------------------------------
1) NAME OF REPORTING PERSON
S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
Citigroup Inc.
- --------------------------------------------------------------------------------
2) CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
(a) [X]
(b) [ ]
- --------------------------------------------------------------------------------
3) SEC USE ONLY
- --------------------------------------------------------------------------------
4) SOURCE OF FUNDS
AF
- --------------------------------------------------------------------------------
5) CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO
ITEMS 2(d) OR 2(e)
[ ]
- --------------------------------------------------------------------------------
6) CITIZENSHIP OR PLACE OF ORGANIZATION
Delaware
- --------------------------------------------------------------------------------
7) SOLE VOTING POWER
NUMBER OF 0
SHARES ----------------------------------------------------------
BENEFICIALLY 8) SHARED VOTING POWER
OWNED BY 3,440,000**
EACH ----------------------------------------------------------
REPORTING 9) SOLE DISPOSITIVE POWER
PERSON 0
WITH ----------------------------------------------------------
10) SHARED DISPOSITIVE POWER
3,440,000**
- --------------------------------------------------------------------------------
11) AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
3,440,000**
- --------------------------------------------------------------------------------
12) CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES*
[ ]
- --------------------------------------------------------------------------------
13) PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
17.7%**
- --------------------------------------------------------------------------------
14) TYPE OF REPORTING PERSON*
CO
- --------------------------------------------------------------------------------
* SEE INSTRUCTIONS BEFORE FILLING OUT
** Represents shares of Common Stock directly beneficially owned by TIC and
other subsidiaries of Citigroup Inc.
<PAGE>
SCHEDULE 13D
Item 1. Security and Issuer.
The title of the class of equity securities to which this statement
relates is Class A Common Stock ("Common Stock") of Cambio, Inc. (the "Issuer").
The principal executive offices of the Issuer are located at 6006 North Mesa
Street, Suite 515, El Paso, Texas 79912.
Item 2. Identity and Background.
Pursuant to Rule 13d-1(k)(1) of Regulation 13D-G of the Rules and
Regulations under the Securities Exchange Act of 1934, as amended (the "Act"),
the undersigned hereby file this Schedule 13D Statement on behalf of The
Travelers Insurance Company ("TIC"), a Connecticut corporation, The Travelers
Insurance Group Inc. ("TIGI"), a Connecticut corporation, PFS Services, Inc.
("PFS"), a Georgia corporation, Associated Madison Companies, Inc. ("Associated
Madison"), a Delaware corporation and Citigroup Inc. ("Citigroup"), a Delaware
corporation (collectively, the "Reporting Persons").
The Travelers Insurance Company
- -------------------------------
(a) Name: The Travelers Insurance Company
(b) Address of Principal Place of Business and Office: One Tower
Square, Hartford, Connecticut 06183
(c) Principal Business: Insurance
(d) Criminal Proceedings: None
(e) Civil Proceedings: None
(f) Citizenship: Connecticut
Officers and Directors: See Exhibit A attached hereto, and incorporated
herein by reference with respect to each executive officer and director
of TIC.
The Travelers Insurance Group Inc.
- ----------------------------------
(a) Name: The Travelers Insurance Group Inc.
(b) Address of Principal Place of Business and Office: One Tower
Square, Hartford, Connecticut 06183
(c) Principal Business: Holding company for insurance subsidiaries
(d) Criminal Proceedings: None
(e) Civil Proceedings: None
(f) Citizenship: Connecticut
Page 6
of 20 pages
<PAGE>
PFS Services, Inc.
- ------------------
(a) Name: PFS Services, Inc.
(b) Address of Principal Place of Business and Office: 3120
Breckinridge Boulevard, Duluth, Georgia 30199
(c) Principal Business: Holding company for insurance subsidiaries.
(d) Criminal Proceedings: None
(e) Civil Proceedings: None
(f) Citizenship: Georgia
Associated Madison Companies, Inc.
- ----------------------------------
(a) Name: Associated Madison Companies, Inc.
(b) Address of Principal Place of Business and Office: 153 East
53rd Street, New York, New York 10043
(c) Principal Business: Holding company for insurance subsidiaries.
(d) Criminal Proceedings: None
(e) Civil Proceedings: None
(f) Citizenship: Delaware
Citigroup Inc.
- --------------
(a) Name: Citigroup Inc.
(b) Address of Principal Place of Business and Office: 153 East
53rd Street, New York, NY, 10043
(c) Principal Business: Holding company for banking, securities
and insurance subsidiaries.
(d) Criminal Proceedings: None
(e) Civil Proceedings: None
(f) Citizenship: Delaware
Officers and Directors: See Exhibit A attached hereto, and incorporated
herein by reference with respect to each executive officer and director
of Citigroup.
Item 3. Source and Amount of Funds or Other Consideration.
On May 4, 1999, TIC purchased 9,000 shares of the Issuer's Series B
Convertible Preferred Stock ("Preferred Stock") for an aggregate purchase price
of $900,000. Each share of the Preferred Stock is convertible at any time into
500 shares of Common Stock. TIC purchased the Preferred Stock reported herein
with its working capital. The additional 10,000 shares of Common Stock
indirectly beneficially owned by Citigroup and reported herein were acquired by
other subsidiaries of Citigroup in transactions separate from and unrelated to
TIC's purchase of the Preferred Stock.
Page 7
of 20 pages
<PAGE>
Item 4. Purpose of Transaction.
The Reporting Persons purchased the shares of Preferred Stock and
Common Stock reported herein in the ordinary course of their investment
activities.
Item 5. Interest in Securities of the Issuer.
TIC
- ---
As of May 4, 1999 TIC directly beneficially owned 9,000 shares of the Issuer's
Preferred Stock. On February 25, 2000, TIC converted 4,500 shares of Preferred
Stock and received 2,250,000 shares of Common Stock. On March 8, 2000, TIC
converted 4,500 shares of Preferred Stock and received 2,250,000 shares of
Common Stock. To the best knowledge of TIC, none of the persons named in Exhibit
A hereto under TIC owns securities of the Issuer.
The table below contains information about all conversions of and
transactions in the Issuer's securities by TIC between May 4, 1999 and
March 14, 2000.
<TABLE>
<CAPTION>
- ------------------------- ------------------- -------------- ------------------ ------------------ ----------------------
Title of security Transaction Trade Date Number of Shares Conversion Amount of Common
Rate/Price Per Stock Directly Owned
Share After Transaction
- ------------------------- ------------------- -------------- ------------------ ------------------ ----------------------
<S> <C> <C> <C> <C> <C>
Preferred Stock Purchase 5/4/99 9,000 $100 0
- ------------------------- ------------------- -------------- ------------------ ------------------ ----------------------
Preferred Stock Conversion 2/25/2000 4,500 1:500 2,250,000
- ------------------------- ------------------- -------------- ------------------ ------------------ ----------------------
Preferred Stock Conversion 3/8/2000 4,500 1:500 4,500,000
- ------------------------- ------------------- -------------- ------------------ ------------------ ----------------------
Common Stock Sale 3/8/2000 130,000 $2.464 4,370,000
- ------------------------- ------------------- -------------- ------------------ ------------------ ----------------------
Common Stock Sale 3/8/2000 265,000 $2.424 4,105,000
- ------------------------- ------------------- -------------- ------------------ ------------------ ----------------------
Common Stock Sale 3/9/2000 245,000 $2.158 3,860,000
- ------------------------- ------------------- -------------- ------------------ ------------------ ----------------------
Common Stock Sale 3/10/2000 150,000 $2.121 3,710,000
- ------------------------- ------------------- -------------- ------------------ ------------------ ----------------------
Common stock Sale 3/13/2000 280,000 $2.467 3,430,000
- ------------------------- ------------------- -------------- ------------------ ------------------ ----------------------
</TABLE>
Page 8
of 20 pages
<PAGE>
The following information is being provided as of March 14, 2000 with
respect to TIC's direct beneficial ownership of the Issuer's Common Stock.
(a) Amount Beneficially Owned: 3,430,000
(b) Percent of Class: 17.7%
(c) Number of shares as to which such person has:
(i) sole power to vote or to direct
the vote ........................ 0
(ii) shared power to vote or direct
the vote ........................ 3,430,000
(iii) sole power to dispose or to direct
the disposition of............... 0
(iv) shared power to dispose or to direct
the disposition of............... 3,430,000
TIGI
----
TIGI is the parent company of TIC. The following information is being
provided as of March 14, 2000 with respect to TIGI's indirect beneficial
ownership of the Issuer's Common Stock.
(a) Amount Beneficially Owned: 3,430,000
(b) Percent of Class: 17.7%
(c) Number of shares as to which such person has:
(i) sole power to vote or to direct
the vote ........................ 0
(ii) shared power to vote or direct
the vote ........................ 3,430,000
(iii) sole power to dispose or to direct
the disposition of............... 0
Page 9
of 20 pages
<PAGE>
(iv) shared power to dispose or to direct
the disposition of............... 3,430,000
PFS
---
PFS is the parent company of TIGI. The following information is being
provided as of March 14, 2000 with respect to PFS's indirect beneficial
ownership of the Issuer's Common Stock.
(a) Amount Beneficially Owned: 3,430,000
(b) Percent of Class: 17.7%
(c) Number of shares as to which such person has:
(i) sole power to vote or to direct
the vote ........................ 0
(ii) shared power to vote or direct
the vote ........................ 3,430,000
(iii) sole power to dispose or to direct
the disposition of............... 0
(iv) shared power to dispose or to direct
the disposition of............... 3,430,000
Associated Madison
------------------
Associated Madison is the parent company of PFS. The following information
is being provided as of March 14, 2000 with respect to Associated
Madison's indirect beneficial ownership of the Issuer's Common Stock.
(a) Amount Beneficially Owned: 3,430,000
(b) Percent of Class: 17.7%
(c) Number of shares as to which such person has:
(i) sole power to vote or to direct
the vote ........................ 0
Page 10
of 20 pages
<PAGE>
(ii) shared power to vote or direct
the vote ........................ 3,430,000
(iii) sole power to dispose or to direct
the disposition of............... 0
(iv) shared power to dispose or to direct
the disposition of............... 3,430,000
Citigroup
---------
Citigroup is the parent company of Associated Madison. To the best
knowledge of Citigroup, none of the persons named in Exhibit A hereto
under Citigroup owns securities of the Issuer. The following information
is being provided as of March 14, 2000 with respect to Citigroup's
indirect beneficial ownership of the Issuer's common stock.
(a) Amount Beneficially Owned: 3,440,000
(b) Percent of Class: 17.7%
(c) Number of shares as to which such person has:
(i) sole power to vote or to direct
the vote ........................ 0
(ii) shared power to vote or direct
the vote ........................ 3,440,000
(iii) sole power to dispose or to direct
the disposition of............... 0
(iv) shared power to dispose or to direct
the disposition of............... 3,440,000
Item 6. Contracts, Arrangements, Understandings or Relationships with
Respect to Securities of the Issuer.
Not Applicable.
Page 11
of 20 pages
<PAGE>
Item 7. Material to be filed as Exhibits.
Exhibit Description
------- -----------
A Officers and Directors of The Travelers Insurance
Company and Citigroup Inc.
B Consent to Joint Filing of Schedule 13D pursuant to
Rule 13d-1(k) of the Act.
Page 12
of 20 pages
<PAGE>
Signature
---------
After reasonable inquiry and to the best of my knowledge and belief, I
certify that the information set forth in this statement is true, complete
and correct.
Dated: March 14, 2000
The Travelers Insurance Company
-------------------------------
By: /s/ Stephanie Mudick
------------------------
Name: Stephanie Mudick
Title: Assistant Secretary
The Travelers Insurance Group Inc.
----------------------------------
By: /s/ Stephanie Mudick
------------------------
Name: Stephanie Mudick
Title: Assistant Secretary
PFS Services, Inc.
------------------
By: /s/ Christine Homer
------------------------
Name: Christine Homer
Title: Assistant Secretary
Associated Madison Companies, Inc.
----------------------------------
By: /s/ Stephanie Mudick
------------------------
Name: Stephanie Mudick
Title: Assistant Secretary
Citigroup Inc.
--------------
By: /s/ Stephanie Mudick
------------------------
Name: Stephanie Mudick
Title: Assistant Secretary
Page 13
of 20 pages
<PAGE>
EXHIBIT A
Executive Officers and Directors of The Travelers Insurance Company
Set forth below are the names, titles, business addresses, principal occupations
and citizenship of the Executive Officers and Directors of The Travelers
Insurance Company.
Name, Title and Citizenship Principal Occupation and Business Address
- --------------------------- -----------------------------------------
J. Eric Daniels Chairman of the Board, Chief Executive Officer
Director and and President
Executive Officer The Travelers Insurance Company
United States One Tower Square
Hartford, CT 06183
Jay S. Benet Executive Vice President, Chief Financial
Director and Officer, Chief Accounting Officer and Comptroller
Executive Officer The Travelers Insurance Company
United States One Tower Square
Hartford, CT 06183
George C. Kokulis Executive Vice President
Director and The Travelers Insurance Company
Executive Officer One Tower Square
United States Hartford, CT 06183
Katherine M. Sullivan Deputy General Counsel
Director and Citigroup Inc.
Executive Officer 153 East 53rd St., 4th fl
United States New York, NY 10043
Marc P. Weill Head of Citigroup Investments
Director and Citigroup Inc.
Executive Officer 153 East 53rd St., 4th fl
United States New York, NY 10043
Page 14
of 20 pages
<PAGE>
Executive Officers and Directors of Citigroup Inc.
--------------------------------------------------
Set forth below are the names, titles, business addresses, principal
occupations and citizenship of the Executive Officers and Directors of
Citigroup Inc.
Name, Title and Citizenship Principal Occupation and Business Address
- --------------------------- -----------------------------------------
C. Michael Armstrong Chairman & Chief Executive Officer
Director AT&T Corporation
United States 295 North Maple Avenue, Room 4353L
Basking Ridge, NJ 07920
Alain J. P. Belda President & Chief Executive Officer
Director Alcoa Inc.
Brazil 201 Isabella Street, Floor 6J12
Pittsburgh, PA 15212-5858
Kenneth J. Bialkin Partner
Director Skadden, Arps, Slate, Meagher & Flom
United States 919 Third Avenue
New York, NY 10022
Kenneth T. Derr Chairman & Chief Executive Officer
Director Chevron Corporation
United States 575 Market Street, 40th fl
San Francisco, CA 94105
John M. Deutch Institute Professor
Director Massachusetts Institute of Technology
United States 77 Massachusetts Avenue, Room 6-208
Cambridge, MA 02139
The Honorable Gerald R. Ford Former President of the United States
Honorary Director 40365 Sand Dune Road
United States Rancho Mirage, CA 92270
Ann Dibble Jordan Consultant
Director 2940 Benton Place, N.W.
United States Washington, DC 20008-2718
Reuben Mark Chairman and Chief Executive Officer
Director Colgate-Palmolive Company
United States 300 Park Avenue
New York, NY 10022-7499
Page 15
of 20 pages
<PAGE>
Name, Title and Citizenship Principal Occupation and Business Address
- --------------------------- -----------------------------------------
Michael T. Masin Vice Chairman and President - International
Director GTE Corporation
United States 1255 Corporate Drive
Mail Code SVC06C30
Irving, TX 75038
Dudley C. Mecum Managing Director
Director Capricorn Management
United States 30 East Elm Street
Greenwich, CT 06830
Richard D. Parsons President
Director Time Warner Inc.
United States 75 Rockefeller Plaza, 29th fl
New York, NY 10019
Andrall E. Pearson Chairman & Chief Executive Officer
Director TRICON Global Restaurants, Inc.
United States 660 Steamboat Road
Greenwich, CT 06830
John S. Reed Chairman and Co-Chief Executive Officer
Director and Citigroup Inc.
Executive Officer 153 East 53rd Street, 4th fl
United States New York, NY 10043
Robert E. Rubin Member of the Office of the Chairman
Director and Citigroup Inc.
Executive Officer 153 East 53rd Street, 4th fl
United States New York, NY 10043
Robert B. Shapiro Chairman and Chief Executive Officer
Director Monsanto Company
United States 800 North Lindbergh Boulevard
Mail Zone D1S
St. Louis, MO 63167
Franklin A. Thomas Former President
Director The Ford Foundation
United States 595 Madison Avenue, 33rd fl
New York, NY 10022
Page 16
of 20 pages
<PAGE>
Name, Title and Citizenship Principal Occupation and Business Address
- --------------------------- -----------------------------------------
Sanford I. Weill Chairman and Co-Chief Executive Officer
Director and Citigroup Inc.
Executive Officer 153 East 53rd Street, 4th fl
United States New York, NY 10043
Edgar S. Woolard, Jr. Former Chairman & Chief Executive Officer
Director E.I. du Pont de Nemours & Company
United States 1007 Market Street
Wilmington, DE 19898
Arthur Zankel General Partner
Director High Rise Partners, LP
United States 535 Madison Avenue, 26th floor
New York, NY 10022
Michael A. Carpenter Co-Chief Executive Officer
Executive Officer Global Corporate and Investment Bank
United States Citigroup Inc.
399 Park Avenue, 2nd fl
New York, NY 10043
Paul J. Collins Vice Chairman
Executive Officer Citigroup Inc.
United States 153 East 53rd St., 4th fl
New York, NY 10043
Michael D'Ambrose Senior Human Resources Officer
Executive Officer Citigroup Inc.
United States 153 East 53rd St., 4th fl
New York, NY 10043
Jay S. Fishman President & CEO
Executive Officer Travelers Property Casualty Corp.
United States One Tower Square, 8GS
Hartford, CT 06183
Edward D. Horowitz Citigroup Inc.
Executive Officer 153 East 53rd St., 4th fl
United States New York, NY 10043
Page 17
of 20 pages
<PAGE>
Name, Title and Citizenship Principal Occupation and Business Address
- --------------------------- -----------------------------------------
Thomas Wade Jones Co-Chairman & CEO
Executive Officer SSB Asset Management Group
United States 153 East 53rd St., 4th fl
New York, NY 10043
Robert I. Lipp Chairman & CEO
Executive Officer Global Consumer Business
United States Citigroup Inc.
153 East 53rd St., 4th fl
New York, NY 10043
Deryck C. Maughan Vice Chairman
Executive Officer Citigroup Inc.
United Kingdom 153 East 53rd St., 4th fl
New York, NY 10043
Victor J. Menezes Co-Chief Executive Officer
Executive Officer Global Corporate and Investment Bank
India Citigroup Inc.
399 Park Avenue, 2nd fl
New York, NY 10043
Heidi G. Miller Chief Financial Officer
Executive Officer Citigroup Inc.
United States 153 East 53rd Street, 4th fl
New York, NY 10043
Charles O. Prince, III General Counsel/Corporate Secretary
Executive Officer Citigroup Inc.
United States 153 East 53rd St., 4th fl
New York, NY 10043
William R. Rhodes Vice Chairman
Executive Officer Citigroup Inc.
United States 399 Park Avenue, 2nd fl
New York, NY 10043
Petros Sabatacakis Senior Risk Officer
Executive Officer Citigroup Inc.
United States 153 East 53rd Street
New York, NY 10043
Page 18
of 20 pages
<PAGE>
Name, Title and Citizenship Principal Occupation and Business Address
- --------------------------- -----------------------------------------
Todd S. Thomson Senior Vice President
Executive Officer Citigroup Inc.
United States 153 East 53rd St., 4th fl
New York, NY 10043
Marc P. Weill Head of Citigroup Investments
Executive Officer Citigroup Inc.
United States 153 East 53rd St., 4th fl
New York, NY 10043
Robert B. Willumstad Chairman
Executive Officer CitiFinancial Credit Company
United States 153 East 53rd St., 5th fl
New York, NY 10043
Page 19
of 20 pages
<PAGE>
EXHIBIT B
Pursuant to Rule 13d-1(k)(1)(iii) of Regulation D of the Rules and
Regulations of the Securities and Exchange Commission under the Securities
Exchange Act of 1934, as amended, the undersigned agree that the attached
Schedule 13D is, and any future amendments thereto may be, filed on behalf
of each of us.
Dated: March 14, 2000
The Travelers Insurance Company
-------------------------------
By: /s/ Stephanie Mudick
--------------------------
Name: Stephanie Mudick
Title: Assistant Secretary
The Travelers Insurance Group Inc.
----------------------------------
By: /s/ Stephanie Mudick
--------------------------
Name: Stephanie Mudick
Title: Assistant Secretary
PFS Services, Inc.
------------------
By: /s/ Christine Homer
--------------------------
Name: Christine Homer
Title: Assistant Secretary
Associated Madison Companies, Inc.
----------------------------------
By: /s/ Stephanie Mudick
--------------------------
Name: Stephanie Mudick
Title: Assistant Secretary
Citigroup Inc.
--------------
By: /s/ Stephanie Mudick
--------------------------
Name: Stephanie Mudick
Title: Assistant Secretary
Page 20
of 20 pages
