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Mr. Smith provides over 45 years of executive management and proven success in the mortgage services industry. As a former 3M executive, Mr. Smith spent 30 years in various sales, employee relations and human resource management positions. As a Human Resources Manager, he was involved in all business facets including sales and marketing, manufacturing, research and development, administration, distribution, quality control and purchasing. During his tenure at 3M, he served on management operating committees in 10 corporate divisions (organizations with greater than $100 million in annual sales). Following retirement from 3M in 1992, Mr. Smith helped found and lead a new business enterprise, Flood Zones, Inc., with his three sons. As President and CEO, he was instrumental in the rapid growth of the company. Following the sale of Flood Zones to TransUnion Corporation in 1995, Mr. Smith continued to serve as VP/General Manager. At the time Mr. Smith retired from TransUnion in October 1996, annual sales had reached $8.9 million. In early 1998, Mr. Smith was persuaded by his sons to again come out of retirement and help launch Mall.com, an e-commerce portal for online businesses to advertise to consumers. He served as interim Chairman of the Board and VP of Human Resources and Administrative Services. Mr. Smith has also served as Chairman of the Board of Home Equity Loan Corporation, Trinidad Financial Group and Demandex, Inc. He currently serves as Chairman of FLDI. | 