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Kevin M. Cloyd (34) was promoted to Executive Vice President in March 2004 and is also President of NC Capital Corporation. Previously, he was Senior Vice President of Secondary Marketing for New Century Mortgage and President of NC Capital Corporation since February 2002. Mr. Cloyd served as Vice President of Secondary Marketing for New Century Mortgage Corporation and Executive Vice President of NC Capital Corporation from January 2001 to February 2002. From March 2000 to January 2001, Mr. Cloyd was Vice President in charge of Secondary Marketing and Finance for The Mortgage Conduit, a start-up company. In Mr. Cloyd's first position with New Century, from September 1999 to March 2000, he served as Vice President of Applied Analytics. From December 1998 to September 1999, Mr. Cloyd was Assistant Vice President with Fremont Investment and Loan. Prior to Fremont Investment and Loan, Mr. Cloyd served as Director of Finance with Amresco Residential Credit Corporation and was responsible for the financing activities of the Bulk Acquisition Group. In addition, Mr. Cloyd worked at Bank of America Mortgage and served as Financial Consultant to their Secondary Marketing and Portfolio Management Departments. Mr. Cloyd received his Bachelor of Arts Degree in Business Administration with an emphasis in Finance from California State University at Fullerton. Mr. Cloyd received his Masters of Arts in Management from University of Redlands. | 