Robert M. Walker, age 71, served as Vice Chairman and head of the Commercial Financial Services Group (CFSG) for UnionBanCal Corporation and Union Bank of California, NA from April 1996 until July 2004. Mr. Walker also served as a. Director of UnionBanCal Corporation from July 1992 until his retirement in July 2004. Mr. Walker joined Union Bank in 1992 and served as Vice Chairman until restructuring the bank and forming CFSG in 1996. Prior to that, he served as Vice Chairman and Chief Credit Officer at Valley National Bank of Arizona. Previously, he was an Executive Vice President and Chief Credit Officer at Wells Fargo Bank and served in the same capacity at the former Crocker National Bank.