Rating Research LLC (RRC) Principals

SCOTT DOUGLASS
Mr. Douglass, the founder of RRC, brings extensive experience in the rating business model. He ran a variety of rating groups at Moody's Investors Service. While at Moody's, he headed the Structured Finance and International Rating Groups, and most recently, the Marketing & Communications Group. He was a member of the senior executive management team at Moody's for over ten years. Mr. Douglass is credited with creating many of the planning, marketing and selling strategies that increased Moody's operating profits at an annual rate in excess of 15% from 1980 through 2000. While at Moody's, he established a variety of new rating systems in a number of new markets around the world.

MATTHEW MOLÉ
Mr. Molé was Vice President & General Counsel of Moody's Investors Service from 1987 through 1998. He was a member of the senior executive management team at Moody's for 12 years, serving on the executive and other senior committees. Prior to joining Moody's, Mr. Molé was a partner in a Wall Street law firm specializing in corporate securities and international law. Mr. Molé's corporate law expertise is coupled with his experience in strategic, regulatory, corporate governance and ethics initiatives.

JEFF RESNICK
Mr. Resnick has over 20 years of experience in the market research industry. Prior to spearheading Opinion Research Corporation's participation in RRC, Mr. Resnick was the Chief Executive Officer for ORC International's US Group. Mr. Resnick has broad familiarity with the financial services sector and has specifically managed numerous research projects in the bond rating industry. He also brings significant operational experience in managing large research projects globally. He has served as a senior advisor to the executive teams for many of his clients. Mr. Resnick has also been a frequent speaker on topics of brand equity, corporate reputation and client loyalty.

DORETTA GASOREK, CFA
Ms. Gasorek, prior to joining RRC, spent 16 years at Moody's Investors Service and its parent company Dun & Bradstreet Corporation acting in a variety of rating analytic, management and international business development roles. Before joining Moody's, she worked at Bank of America NT&SA in San Francisco and New York in financial and corporate lending functions. Ms. Gasorek received the Chartered Financial Analyst designation. She is a member of the Association for Investment Management and Research, New York Society of Security Analysts and the Fixed Income Analysts Society, Inc.

JANE BARR
Ms. Barr joins RRC with an extensive 25-year career in public relations on both the agency and corporate side. She spent 15 years at Burson-Marsteller, a premier global firm, where she held executive positions and managed the consumer marketing, healthcare and corporate practices during her tenure with the agency. She later spent five years with Murphy & Co., a communications consulting firm specializing in corporate positioning and client satisfaction analysis. Prior to joining RRC, Ms. Barr was Director, Corporate Affairs, Kraft Foods International.

ELLEN KELLY
Ms. Kelly worked in research design and survey administration for J.D. Power and Associates for eight years. She held numerous positions there that included responsibility for client satisfaction research and ratings in the automotive sector, process redesign, media and advertising research, and survey administration. She also taught market research at Pepperdine University and is the author of numerous research articles.