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Mr. Smith, a CPA, has served as a mortgage banking executive with PHH Mortgage in Jacksonville, Florida, since January 2001 except for the period from April 2002 to July 2003, during which he was employed by Basis 100, a technology company which served the mortgage banking industry. Prior to his employment with PHH Mortgage (then known as Cendant Mortgage) in 2001, he was employed by Merrill Lynch Credit Corporation, Jacksonville, Florida, for over 10 years and, before that, was a Senior Manager for Deloitte and Touche LLP, where he was recognized as a National Industry Specialist in savings and loan and real estate industries. | 