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Mr. Clair Raubenstine was appointed as executive vice president and chief financial officer of PHH effective February 23, 2006. From October 1998 through June 2002, Mr. Raubenstine served as a national independence consulting partner with PricewaterhouseCoopers, LLP (PwC). He also served as a national SEC consulting partner, Pennsylvania Cluster Accounting and Auditing consultant, and prior to that, as the director of Accounting, Auditing and SEC for the Atlantic Region of PwC. While with PwC, Mr. Raubenstine also served as an assurance and business advisory services partner and gained valuable experience with multinational companies and numerous small- and medium-sized companies in a wide variety of industries. His career at PwC spanned 39 years until his retirement in June 2002. From July 2002 to February 2006, he provided accounting and financial advisory services to various charitable and educational organizations. Mr. Raubenstine is a licensed Certified Public Accountant in Pennsylvania, New York, and New Jersey, is a Certified Management Accountant and is Certified in Financial Management. | 