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Edward F. Gotschall (52), one of our co-founders, has been a Vice Chairman of our board of directors since December 1996 and one of our directors since November 1995. In July 2004 he was appointed Vice Chairman-Finance after serving as our Chief Financial Officer since August 1998 and our Chief Operating Officer Finance/Administration from December 1995 to August 1998. From April 1994 to July 1995, he was the Executive Vice President/Chief Financial Officer of Plaza Home Mortgage and a director of Option One. Mr. Gotschall was one of the co-founders of Option One and from December 1992 to April 1994, Mr. Gotschall served as its Executive Vice President/Chief Financial Officer. From January 1991 to July 1992, he was the Executive Vice President/Chief Financial Officer of The Mortgage Network, Inc., a retail mortgage banking company. Mr. Gotschall received his Bachelors of Science in Business Administration degree from Arizona State University. | 