major in Business Administration and Economics from Franklin & Marshall College. He is a member of the CFA Society of Los Angeles. Inc. (CFALA) and the CFA Institute and is a CFA Charterholder. Richard J. Barger, CFA, is a Senior Vice President of JCM and a member of its credit research team. Mr. Barger joined

major in Business Administration and Economics from Franklin & Marshall College. He is a member of the CFA Society of Los Angeles. Inc. (CFALA) and the CFA Institute and is a CFA Charterholder. Richard J. Barger, CFA, is a Senior Vice President of JCM and a member of its credit research team. Mr. Barger joined

nors in Business Management from University of Delhi and has an M.B.A. in Finance from Seton Hall University. He is a CFA Charterholder, a Member of the CFA Institute and a Member of the New York Society of Security Analysts. He can be contacte Deutsche Bank weatm CONFIDENTIAL - PURSUANT TO FED. R. CRIM. P. 6(

s practice at PricewaterhouseCoopers LLP. Mr. Silverman has a B.S. in Accounting from Rutgers College. He is a CFA charterholder and is a member of the CFA Institute and New York Society of Security Analysts. Relationship w/ JP Morgan, no current subscription facility CONFIDENTIAL - PURSUANT TO FED. R. CRIM. P.