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Timothy B. Ferriter is our Senior Vice President Decision Support. He has served in this position since he joined us in July 2006. Prior to joining us, Mr. Ferriter managed the Strategic Finance group for the Auto Finance unit of Wells Fargo & Company. From June 1999 until May 2002 and from July 2003 until March 2006, Mr. Ferriter held positions in various units of MBNA America Bank including the consumer lending and mortgage lending units and from February 2005 until March 2006 was Vice President, Business Financial Officer Mortgage Lending & Aircraft Lending. Mr. Ferriter was also an Equity Research Associate within the Non-Bank Financials team at Legg Mason Wood Walker, Inc. from May 2002 until July 2003. Mr. Ferriter received a B.B.A. and M.S. in Finance from Loyola College and an M.B.A. in 2002 from the Robert H. Smith School of Business at the University of Maryland concentrating in Finance. He is also a CFA charterholder. | 