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Trevor Rozowsky has been a member of our board of directors since July 2005. Mr. Rozowsky is a founder and Executive Vice President of Lydian Trust Company, a private financial services firm, established in 1999. Mr. Rozowsky also serves as Chief Executive Officer of Lydian Private Bank, a privately held $1.4 billion Federal Savings Bank subsidiary of Lydian Trust Company. From 1997 to 1999, Mr. Rozowsky was Managing Director of Affinity Capital Corporation, the predecessor to Lydian Trust Company. Mr. Rozowsky was a Senior Vice President of Ocwen Financial Services, (NASDAQ: OCN) from 1993 to 1997, and during his tenure was responsible for the following areas: acquisitions, credit, capital markets and loan origination. Mr. Rozowsky was Director of Consumer Finance for U S West Financial Services from 1991 to 1993 and was responsible for acquiring and managing the consumer portfolio and for establishing a branch based automobile loan originator that was later sold to Bank of America. Mr. Rozowsky was a Manager with Arthur Andersen & Company from 1984 through 1991. Mr. Rozowsky is a graduate of the University of Cape Town (South Africa) and has a Bachelor of Commerce degree as well as being a Chartered Accountant and Certified Public Accountant. | 