Joe Carter is President of Sales & Marketing Effectiveness, Inc. (S&ME), a firm specializing
in executive level consulting and training assignments within the information systems
industry. S&ME's projects have included market and customer research, business strategy
development and a variety of training seminars for line sales and service management. Clients
of the firm include McDonnel-Douglas, US West, MCI, BellSouth, Corning, Bell Atlantic,
Rosenbluth, CSX Technology, Digital Equipment Corporation, and Dun and Bradstreet.

Mr. Carter is the former Director of AT&T's National Sales School, a premier corporate
educational facility for sales and marketing professionals. He is currently affiliated with the
Strategic Management Group of Philadelphia, Pa.

Joe, a member of the faculty of Western Maryland College since 1988, teaches the
introductory courses in marketing and management for the Department of Economics and
Business Administration. In addition, he is teaching a course in Strategic Planning and
Management, which is offered in the graduate program. He also coordinates the college's
internship program. Carter has a Masters Degree from the Johns Hopkins University. He
completed additional studies at the Darden School of Business at the University of Virginia
and at George Washington University.