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Frank L. Raiter, has been a member of our board of directors since March 2007. Mr. Raiter currently serves on the board of directors of Clayton Holdings Inc. Mr. Raiter is the retired managing director of Standard & Poor's Ratings Group where he served from 1995 to 2005. Prior to his service at S&P, Mr. Raiter was the chief investment officer and treasurer of Caliber Bank in Phoenix, Arizona from March, 1994 to September, 1994 when Caliber was sold to Norwest Bank, and served from April, 1990 to April, 1994 as the assistant director, Office of Securities Transactions, of the Resolution Trust Corporation. Mr. Raiter also served as captain and company commander in the United States Marine Corps. Mr. Raiter earned a B.A. of Economics with honors from North Carolina State University and an MBA in Finance from the University of North Carolina Chapel Hill | 