Charles E. Bradley, Jr. has been our Chief Executive Officer since January 1992, a director since our formation in March 1991, and was elected Chairman of the Board of Directors in July 2001. Prior to that he was our President from March 1991 to December 2022. From April 1989 to November 1990, he served as Chief Operating Officer of Barnard and Company, a private investment firm. From September 1987 to March 1989, Mr. Bradley, Jr. was an associate of The Harding Group, a private investment banking firm.

Michael T. Lavin has been President since December 2022. Prior to that, he was Executive Vice President, Chief Legal Officer and Chief Operating Officer since March 2019. Prior to that, he was Executive Vice President and Chief Legal Officer since March 2014, Senior Vice President – General Counsel since March 2013, Senior Vice President and Corporate Counsel since May 2009 and our Vice President - Legal since joining the Company in November of 2001. Mr. Lavin is responsible for the following departments: Sales, Originations, Servicing, Risk, Systems, IT, Human Resources, Legal and Investor Relations. Mr. Lavin was previously engaged as an associate at a large law firm and spin off start up law firm. Mr. Lavin has a BA from the University of Santa Barbara and a JD from the University of San Diego.

Danny Bharwani has been Chief Financial Officer since September 2022 and Executive Vice President – Finance since December 2022. Previously he was Senior Vice President – Accounting from April 2016 and Vice President – Accounting from June 2002. He joined us as Assistant Controller in August 1997. Mr. Bharwani was previously employed as Assistant Controller at The Todd-AO Corporation, from 1989 to 1997.

Teri L. Robinson has been Executive Vice President of Sales and Originations since December 2022. Prior to that she was Senior Vice President of Sales and Originations from June 2020 to December 2022 and Senior Vice President of Originations from April 2007 to June 2020. Prior to that, she held the position of Vice President of Originations since August 1998. She joined the Company in June 1991 as an Operations Specialist, and held a series of successively more responsible positions. Previously, Ms. Robinson held an administrative position at Greco & Associates.

Christopher Terry has been Executive Vice President of Risk Management, Systems, and IT since December 2022. Prior to that he was our Senior Vice President of Risk Management, Systems, and IT from October 2018 to December 2022, and Senior Vice President of Risk Management from May 2017 to October 2018. Prior to that, he was our Senior Vice President of Servicing from May 2005 to August 2013. He was Senior Vice President of Asset Recovery from August 2013 to May 2017 and from January 2003 to May 2005. He joined us in January 1995 as a loan officer, held a series of successively more responsible positions, and was promoted to Vice President - Asset Recovery in June 1999. Mr. Terry was previously a branch manager with Norwest Financial from 1990 to October 1994.