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Kevin D. Race is our Chief Executive Officer, President, Chief Operating Officer, Chief Financial Officer and a director. Mr. Race joined HBMC as President and Chief Operating Officer in April 2002 and has served in that capacity since his arrival. Prior to joining HBMC, Mr. Race served as President and Chief Operating Officer of HomeSide Lending, Inc. a mortgage service company located in Jacksonville Florida, from 1996 to September 2001. From 1989 to 1996, Mr. Race was President and Chief Financial Officer of Fleet Mortgage Group, another mortgage servicing company. Prior to serving as President and Chief Financial Officer of Fleet Mortgage Group, Mr. Race worked in the capital markets group of Fleet Mortgage's parent company, Fleet Financial Group, where he was responsible for managing the mortgage-backed securities investment portfolio. In that capacity, Mr. Race also managed Fleet Financial's non-conforming securitization transactions, and served as a member of Fleet Financial Group's asset liability committee. From 1985 to 1989, Mr. Race worked in the investment bank at Citicorp in New York City and was responsible for CMO/REMIC structuring, distribution and trading. Mr. Race received an Economics and Finance Degree from Trinity University in 1982. | 