Listed below are bios of our key staff. Ruth Ruhl - President Ms. Ruhl is President of the Firm and is responsible for its overall operation. Ms. Ruhl was born in Tyler, Texas on August 24, 1962. Ms. Ruhl graduated from the University of Texas at Austin in 1984 with a Bachelor of Business Administration degree in Finance. Upon graduation, she entered the mortgage banking industry as a loan officer. In May 1992, she received her Juris Doctor degree, magna cum laude, from Oklahoma City University School Of Law. She is a member of Phi Delta Phi and received American Jurisprudence Awards in Evidence, Oil and Gas, Estate and Gift Tax, Commercial Paper, Banking Law, and Trial Practice. She was member of Oklahoma City University's Moot Court Board, selected to Who's Who Among American Law Students, and a member of the Merit Scholars Organization. From 1993 to 1998, Ms. Ruhl was a partner at Barrett Burke Wilson Castle Daffin & Frappier, L.L.P. where she specialized in loan origination documentation, specialty loan and loss mitigation documentation, and regulatory compliance issues which arose therefrom. Ms. Ruhl was a partner and a Director in the Specialty Loan Section at Peirson & Patterson, L.L.P. from 1998 to 1999. Ms. Ruhl was admitted to the State Bar of Texas in 1993, the United States Court of Appeals for the Fifth Circuit in 1994, and the United States District Court for the Northern District and the Eastern District in 1994. Ms. Ruhl is a member of the National Mortgage Bankers Association, Texas Mortgage Bankers Association-Servicing Committee, Dallas Mortgage Bankers Association, State Bar of Texas, American Bar Association, Texas Academy of Mortgage Attorneys, and a member of the College of the State Bar of Texas. Not certified by the Texas Board of Legal Specialization. John Ruhl - Controller Mr. Ruhl is the Controller for the Firm and has twenty-one years of banking and mortgage banking experience. He received his Bachelor of Science degree from the College of the Ozarks in Branson, Missouri in 1974. His twenty-one years experience has included all facets of mortgage banking. Mr. Ruhl has extensive experience that varies from regulatory compliance and quality control underwriting to internal audit. He was the Investor Quality Manager for NationsBanc Mortgage Corporation and supervised FNMA and FHLMC Post Purchase Audits, Quality Control Underwriting, and was responsible for negotiating investor loan repurchase requests. Accomplishments have included management of the NationsBanc Mortgage Corporation-PMI Automated Underwriting System Project and the establishment of Master File Audit Departments for Countrywide Home Loans. In 1998 and 1999, Mr. Ruhl served on the Board of Directors for the Dallas Area Compliance Association. He has enhanced his knowledge through completion of Mortgage Banking Association, FNMA, and FHLMC seminars, courses and conferences. Mr. Ruhl is a member of the National Mortgage Bankers Association and the Dallas Mortgage Bankers Association. Miranda Lemons - Operations Manager Ms. Lemons is the Firm's Operations Manager whereby she is responsible for Texas document preparation, national loss mitigation, specialty loans, and document compliance. Ms. Lemons' outstanding personal commitment to customer service and detail sets the stage for the Firm's impeccable reputation in the industry. Ms. Lemons is responsible for supervising employees to ensure that documents are prepared accurately and delivered to the client within the Firm's strict turn around timeframes. Ms. Lemons plays an integral role with technology issues relating to documents compliance. Ms. Lemons will receive a Business Administration degree from Texas A&M University - Commerce. Sheila O. Hair - Director of Client Relations Ms. Hair is the Firm's Director of Client Relations. Ms. Hair has twelve years experience in customer service, marketing, database administration, sales and project management. In her role as Director of Client Relations, she is responsible for the Firm's marketing plan, customer service policies and procedures, generation leads and developing new business opportunities. Sheila is also responsible for website updates, technology projects and client training on software used by the Firm. Ms. Hair also facilitates all technology functions of the Firm. Ms. Hair is responsible for selecting and implementing new software programs which will improve marketing, document delivery and security. Ms. Hair was responsible for the design and maintenance of the Firm's loan tracking website. Ms. Hair provides client support for all software questions and maintains the Firm's Specialty Docs™ database. In December 1994, Ms. Hair received a Bachelor of Science degree with a major in Speech Communications and a minor in Business Administration from Texas Christian University in Ft. Worth, Texas. In December 1999, Ms. Hair completed Microsoft User Specialist training courses from Richland College. In addition, Ms. Hair has taken Project Management courses from Dallas Community College to include training on Microsoft Project tracking software.