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WILLIAM K. KOMPERDA William Komperda, a pioneer in asset securitization and related structured finance, has been extensively involved in the mortgage- and asset-backed securitization markets for the past 20 years. During that time, Mr. Komperda was intimately involved in the creation of some of the earliest mortgage and asset backed securitizations, as well as in the review, analysis, development and ultimate securitization of various other new asset securitization classes. From May 1997 through May 2000, Mr. Komperda was Executive Vice President and Managing Director of Capital Markets and Strategic Planning for Long Beach Financial Corporation, a publicly traded company, and for its wholly owned operating subsidiary, Long Beach Mortgage Company, a subprime mortgage company ("Long Beach"). Long Beach was an originator, purchaser, seller and servicer of subprime mortgages and, in 1999, originated approximately $3B of such mortgages. Additionally, Mr. Komperda was one of four members of the "Office of the Chairman" which was the Executive Management Committee of Long Beach. In October 1999, Long Beach was acquired by and merged with Washington Mutual Bank, which at the time was the largest U.S. thrift institution and the 8th largest bank in the United States. Prior to joining Long Beach in 1997, Mr. Komperda was employed for more than 10 years with Greenwich Capital Markets, Inc. ("Greenwich") where he was Senior Vice President and co-founder of Greenwich's Mortgage- and Asset-Backed Finance/Securitization Group. Mr. Komperda also managed Greenwich's Structured Finance Group. In that capacity, he was also responsible for the relationships with most of Greenwich's subprime mortgage origination clients, in both the United States and the United Kingdom. Prior to 1987, Mr. Komperda was employed with Citicorp Homeowners, Inc. as a Manager in its Mortgage-Backed Structured Finance Group. At Citicorp, he assisted in the issuance of some of the first Mortgage Pass-Through Certificates, assisted in developing and structuring one of the first REMIC securitizations, and serviced one of the first Collateralized Mortgage Obligations. Prior to that, he was a Senior Accountant with Citicorp Acceptance Company, Inc., in its Accounting Policy and Tax Department, where he analyzed and developed models for the earliest automobile and manufactured housing related securitization structures. Mr. Komperda began his career as a Certified Public Accountant with Deloitte Haskins & Sells in its tax and auditing groups. Mr. Komperda is a 1982 graduate of Southern Illinois University at Edwardsville where he received his B.S. in Accountancy. Mr. Komperda has been active in the mortgage- and asset-backed securities markets for many years with a primary focus on the subprime first mortgage, and second mortgage, sectors. He also served on the Board of Directors of the National Home Equity Mortgage Association ("NHEMA"). Mr. Komperda is a member of the American Institute of Certified Public Accountants, the Illinois CPA Society, and the Institute of Management Accountants.
J. Brandt Zembsch has been involved in the origination, securitization and sale of mortgages and mortgage-related products since 1979. Mr. Zembsch has worked directly, and indirectly through syndicates of regional broker-dealers, with institutional investors on the structure, pricing and placement of mortgage and asset backed securities; first with Citicorp Homeowners, Inc., and then with Greenwich Capital Markets, Inc. From July 1987 through December 1999, Mr. Zembsch held the position of Vice President, Asset Backed-Sales, for Greenwich Capital Markets, Inc. ("Greenwich"). One of the first hires in Greenwich's Mortgage Group, Mr. Zembsch ran the Regional Dealer Desk, a syndicate of over 75 broker-dealers that helped distribute Greenwich's securitized mortgage product. In that capacity, he dealt with all types of mortgage- and asset-backed products; agency and non-agency, prime and subprime, public and private. Before REMIC securities and Collateralized Mortgage Obligations were widely understood and distributed, Mr. Zembsch conducted relevant seminars and training sessions for sales and trading professionals throughout the dealer community. Mr. Zembsch also covered institutional accounts, consisting primarily of mortgage bankers. Prior to joining Greenwich, from 1979 to July 1987, Mr. Zembsch was with Citicorp Homeowners, Inc., the predecessor to Citicorp Mortgage. At Citicorp, he helped open and run mortgage origination offices in Northern California, as well as manage the integration of Fidelity Savings into Citicorp Savings. He worked with thrifts and large residential builders on end-loan "take-out" financing in Los Angeles, Dallas and St. Louis, and helped distribute some of the earliest REMIC Pass-Through Certificates. He also represented Citicorp Homeowners at investor conferences in Europe and the Middle East. After leaving Greenwich in December 1999, Mr. Zembsch worked as a Managing Director for Greenwich Financial Services LLC, a boutique investment bank specializing in mortgage-backed securities. In 1976, Mr. Zembsch received an undergraduate degree in Economics from the University of California, Berkeley and completed MBA course work at the Haas School of Business, University of California, and Berkeley, 1976-1978.
Jeffrey Beckwith is an 18-year veteran of the mortgage- and asset-backed securities markets. Most recently, from June 1996 through June 2000, Mr. Beckwith was based in London as Senior Director of Asset Securitization, at Greenwich NatWest ("GNW"), which was the European Debt Capital Markets arm of National Westminster Bank, Plc. During that time, Mr. Beckwith was responsible for debt investment banking for UK subprime residential mortgage originators. In that capacity, he was responsible for relationships with certain of GNW's subprime mortgage originators and, as a result, was involved in and led some of the first securitizations of subprime residential mortgages in the UK. In addition, Mr. Beckwith was responsible for GNW's European Principal Finance activities related to non-performing mortgages. In particular, Mr. Beckwith managed GNW's activities in Italy, where he developed GNW's approach to valuing, structuring and purchasing non-performing mortgages. Prior to 1996, Mr. Beckwith was Senior Vice President of Asset-Backed Contract Trading with Greenwich Capital Markets, Inc. ("Greenwich"). From 1994 to 1996, Mr. Beckwith was responsible for new issue and secondary trading of all adjustable rate mortgage products ("ARM's"). The products that Mr. Beckwith traded included GNMA, Fannie Mae, FHLMC, ARM pass-throughs, non-agency ARM's (and their associated credit tranches), non-agency interest-only strips, and other whole loan ARM pools. Mr. Beckwith preceded his position on Greenwich's trading desk with two years of bond sales experience, relative to mortgage- and asset-backed securities, as a member of Greenwich's Asset-Backed Sales Group. Prior to his positions in sales and trading, Mr. Beckwith was a Vice President in Greenwich's Asset-Backed Finance Group. There he was responsible for origination of, and transaction management of, non-agency mortgage-backed securitizations. His primary focus was on subprime first mortgage, and second mortgage, originators. During his tenure in Greenwich's Asset-Backed Finance Group, Mr. Beckwith participated in bringing a number of first time issuers to market, as well as in creating some of the first Collateralized Debt Obligations, which involved subordinate tranches of various residential mortgage-backed transactions. Prior to that, Mr. Beckwith was an Associate in Greenwich's US Treasury Securities Group, responsible for clearing all of the firms US Treasury securities trades. Mr. Beckwith began his career with Greenwich
Capital Markets, Inc. in 1985, after graduating from Clemson University,
where he received his B.S. in Administrative Management.
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