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Terence W. Edwards serves as President and Chief Executive Officer of PHH Corporation. Mr. Edwards has served as President and Chief Executive Officer of Cendant Mortgage since February 1996 and as such was responsible for overseeing the company’s entire mortgage banking operation. From 1995 to 1996, Mr. Edwards served as Vice President of Investor Relations and Treasurer of PHH and was responsible for PHH's investor, banking and rating agency relations, financing resources, cash management, pension investment management and internal financial structure. Mr. Edwards joined PHH in 1980 as a Treasury Operations Analyst and moved into progressively increasing responsibilities, including Director, Mortgage Finance and Senior Vice President, Secondary Marketing. | 