CIT Group

Neil has a BS in Public Administration from the University of Missouri-Columbia and an MBA in finance and management from Lindenwood University. Neil joined Enterprise Bank & Trust in 2003. Since beginning his career in 1980, Neil has held various senior level credit and relationship management positions with The CIT Group, ITT Commercial Finance and Deutsche Financial Services.

William "Bill" Freeman joins Arbinet with more than 30 years of experience in the telecommunications industry, having served in senior leadership positions at Bell Atlantic Corporation, Verizon Communications Inc., Leap Wireless International and TerreStar Corporation (formerly Motient Corporation). He brings to Arbinet significant expertise in strategic planning, operations, marketing and customer relations. Mr. Freeman's record of accomplishments includes significantly increasing net income at Bell Atlantic-Washington, D.C. through, among other things, the first ever incentive regulation plan in Washington, D.C.; he also negotiated a strategic partnership with 7-Eleven Inc., which jump-started Verizon's prepaid calling card business.

Edward "Ned" Kelly was named Vice Chairman of Citi in July 2009 after serving as Citi's Chief Financial Officer since March 2009. He is responsible for driving the execution of Citi's strategic and operational priorities. Before that role, Ned was Head of Global Banking, Citi Private Bank and President and Chief Executive Officer of Citi Alternative Investments in Citi's Global Institutional Bank. He is a member of Citi's Senior Leadership and Executive Committees. Mr. Kelly joined Citi in February 2008 from The Carlyle Group, a private investment firm, where he was a Managing Director. Prior to joining Carlyle in July 2007, he was a Vice Chairman at The PNC Financial Services Group following PNC's acquisition of Mercantile Bankshares Corporation in March 2007. He was Chairman, Chief Executive and President of Mercantile from March 2003 through March 2007 and Chief Executive and President from March 2001 to March 2003. Before Mercantile, Mr. Kelly was at J.P. Morgan Chase & Co. where he was Managing Director and head of Global Financial Institutions and co-head of Investment Banking Client Management. He joined J.P. Morgan in 1994 as its General Counsel and Secretary. In 1996, he became a Managing Director and subsequently ran various parts of J.P. Morgan's investment banking business, including Global Financial Institutions and Latin America. Prior to joining J.P. Morgan, Mr. Kelly was a partner at the law firm of Davis Polk & Wardwell, where he specialized in matters related to financial institutions. Early in his career, Mr. Kelly served as a law clerk to Supreme Court Justice William J. Brennan, Jr. and U.S. Court of Appeals Judge Clement F. Haynsworth, Jr. Prior to law school, he served as a legislative assistant and, later, press secretary to U.S. Senator Richard S. Schweiker. He serves on the Boards of Directors of The Hartford Financial Services Group, CSX Corporation and SIFMA. He also serves on the Boards of Trustees of Johns Hopkins Medicine and the University of Virginia Law School Foundation. In the past, he has served on the Boards of Directors of CIT Group, Axis Capital Holdings, Paris Re Holdings, Constellation Energy, the American Stock Exchange, Johns Hopkins University and The Hershey Company, among others. Mr. Kelly received his bachelor's degree from Princeton University and his J.D. from the University of Virginia School of Law.

Jeffrey M. Peek is Chairman and Chief Executive Officer. He joined CIT in 2003 as President and Chief Operating Officer. Areas of expertise: * Corporate finance * Asset management * Corporate strategy * Corporate governance Prior to joining CIT, Peek was Vice Chairman of Credit Suisse First Boston, LLC (CSFB) and was responsible for the firm's Financial Services Division, including Credit Suisse Asset Management, Pershing, and Private Client Services. He was on the Group Executive Board of Credit Suisse Group as well as a member of CSFB's Executive Board and Operating Committee. Before joining CSFB in 2002, Peek was with Merrill Lynch & Co. Inc. for nearly 20 years. While there, he rose to the level of Executive Vice President of Merrill Lynch and was President of Merrill Lynch Investment Managers. He also served on the Executive Management Committee of Merrill Lynch. Peek is a graduate of the Woodrow Wilson School of Princeton University, where he received a BA in International Affairs. He also received an MBA from Harvard Business School. Peek is Chairman of the Advisory Council for the Bendheim Center for Finance at Princeton University and serves as a member of the New York Public Library President's Council and on the Board of Directors and Chairman's Council of the Metropolitan Museum of Art.

From 1988 to 2001, Brown was a senior banker at Citigroup. First, as Citibank's Health Care Finance head and senior credit officer, she oversaw Citi's efforts in achieving number one rankings in healthcare debt financings and in 1999 won the "Deal of the Year" award from Dealogic. As a Managing Director in Salomon Smith Barney's Health Care Investment Banking group, she was responsible for the services and provider sectors from 1999 to 2001. While there, Brown led the first two European IPOs of healthcare companies and won financing mandates from HCA, Tenet, Triad and Foundation Health (HealthNet). Brown began her banking career in 1978 in California and became a healthcare banker in 1984 at the Bank of Boston. She received a BA in Political Science from the University of California at Los Angeles.

Gaw has over 23 years of experience in the energy finance sector. Prior to joining CIT, he was an Executive Vice President at ABN AMRO, where he was the Head of Energy & Resources Americas and Global Head of Power & Utilities. In these leadership roles, he managed a team of approximately 40 bankers who provided a wide variety of financial and advisory services to clients across the full spectrum of energy-related industries. Prior to ABN AMRO, Gaw held senior positions with CIBC and Chemical Bank. He is a member of the Texas Alliance of Energy Producers and a member of the Greater Houston Partnership. Gaw holds a Master's in International Business from Georgetown University and a BS in International Economics from the School of Foreign Service at Georgetown University.

Prior to assuming this position, Lucas was Senior Vice President and Northeast Regional Manager for CIT Commercial Services and was responsible for client service and retention, business development and client credit quality. Lucas has spent his career developing financing solutions for companies in all stages of the business cycle. Before becoming Regional Manager in 1998, he was head of business development for the Northeast Region. Lucas was responsible for increasing factoring, credit protection and asset-based lending business, primarily in the apparel, textile, housewares and home furnishings industries. He also spent two years developing new business in CIT's Business Credit unit. In that position, he was responsible for customizing financing alternatives to suit a variety of business needs, including working capital and growth financing, debt restructuring and debtor-in-possession financing. Before joining CIT, Lucas was a Team Leader and Market Manager in Fleet Bank's middle market lending group. He also spent five years with Chemical Bank, where he began his career. He is a member of the Commercial Finance Association and the Turnaround Management Association. Lucas earned a BA in Economics from Muhlenberg College and an MBA in Finance and Accounting from the University of Pittsburgh.

Joseph M. Leone is Vice Chairman and Chief Financial Officer of CIT Group Inc. (NYSE: CIT), a leading global commercial and consumer finance company. Leone has held the position of CIT's Chief Financial Officer since 1995. In this capacity, he oversees CIT's accounting, tax, treasury, systems and technology, investor relations, corporate development and insurance groups. Prior to this he was Executive Vice President of CIT's Sales Financing unit responsible for sales and servicing from 1991 through 1995. He joined CIT in 1986 as Senior Vice President and Controller. Prior to CIT, Leone was with Manufacturers Hanover where he served as Deputy Controller. He had previously been Senior Audit Manager in the Banking Industry Practice with KPMG Peat Marwick. He is a member of the American Institute of Certified Public Accountants, the New York Society of Certified Public Accountants and the Financial Executives Institute. Leone is a member of the Board of Trustees of the Ramapo College Foundation and the Bernard Baruch College. He also serves on a variety of advisory boards including Franklin and Marshall College, American Heart Association and Archbishop Molloy High School. Leone holds a BBA from Baruch College of the City University of New York and attended the Harvard University Advanced Management Program.

Lawrence A. Marsiello is Vice Chairman and Chief Lending Officer of CIT Group Inc. (NYSE: CIT), a leading global commercial and consumer finance company. Marsiello has more than 32 years of experience in secured lending, credit administration and business development. Prior to being named Group Chief Executive Officer of Commercial Finance in August 1999, he was President and Chief Executive Officer of Commercial Services. Before this, he served as Executive Vice President and General Manager of Business Credit, which provides acquisition financing and debt restructuring to retailers and manufacturers. He has worked closely with manufacturers and retailers throughout his career, which he began in 1974 with Manufacturers Hanover Trust Company. Marsiello is a member of the American Bankruptcy Institute, The Risk Management Association and The Turnaround Management Association. He is also on the Board of Trustees of St. Francis College, as well as the National Jewish Center for Immunology and Respiratory Medicine. He is a graduate of St. Francis College and the Stonier Graduate School of Banking at Rutgers University. He holds an MBA in Finance from Pace University and has completed the Advanced Management Program at the Harvard Graduate School of Business.

Michael Baresich is Executive Vice President and Global Chief Information Officer of CIT Group Inc. (NYSE: CIT), a leading global commercial and consumer finance company. Baresich is responsible globally for all information technology at CIT including strategy, architecture, application development, infrastructure and risk management. Prior to CIT, he served as Managing Director and Global Chief Information Officer for Citigroup Asset Management. Before Citigroup, he was co-founder and CEO of CoKinetic Systems Corporation where he developed and patented software products for major clients in the financial services, consulting and airline industries. Prior to this, Baresich was Global Head of Operations and Technology for Deutsche Asset Management. He joined Deutsche when it acquired Bankers Trust in 1999, where he spent over 15 years in a number of key business and technology management positions. Baresich received his BA from Binghamton University, an MA from the University of Florida and an MBA from the Wharton School of the University of Pennsylvania. He is a member of the Board of Directors of CoKinetic Systems Corporation.

Robert (Bob) J. Ingato is Executive Vice President, General Counsel and Secretary. He is the Chief Legal Officer at CIT and is responsible for overseeing all legal, compliance and corporate governance matters for CIT and its operating groups. He also leads the company's Corporate Services organization. Areas of expertise: * Corporate governance * Compliance and regulatory issues * Corporate law Ingato joined CIT as Senior Vice President and Deputy General Counsel in 1999. Before working at CIT, he held executive positions at Newcourt Credit and AT&T Capital, where he served as General Counsel. Ingato is a member of the Board of Trustees of both the Liberty Science Center and the New Jersey Historical Society. He also serves on the Executive Committee of the Morris County American Heart Association. He received his JD degree with honors from Cornell Law School and his BS degree in Business Administration with honors from Bucknell University.

James (Jim) J. Duffy is Executive Vice President and Global Head of Human Resources. He is responsible for the development and delivery of employee programs, policies and benefits, as well as the structuring of human resource plans to support the company's business growth. Areas of expertise: * HR as a strategic partner * Leadership development * Change management * Change enabler * Labor relations * Talent strategy, benefits, compensation, employee relations * Employee management Prior to joining CIT, Duffy was Senior Vice President of Human Resources for Citigroup's Global Consumer Group. Before working at Citigroup, he held senior human resources positions at other major banking and manufacturing companies, including AlliedSignal, Ingersoll-Rand, Banker's Trust and GE. Duffy serves on the Board of Jobs for America's Graduates and is a longtime supporter and sponsor of the Center for Advanced Human Resource Studies at Cornell University. He received a BS from Cornell's School of Industrial and Labor Relations.

Kelley J. Gipson joined CIT in 2001. She oversees all aspects of the company's brand strategy, internally and externally, and manages the organization's marketing and communications practices, including community affairs and philanthropy. Gipson and her team are responsible for the architecture and implementation of the firm's integrated marketing programs and corporate reputation initiatives globally. CIT currently serves more than one million customers in 50 countries around the world. Areas of expertise: * Corporate reputation * Brand strategy * Marketing communications * Corporate social responsibility * Integrated marketing She is a member of the Executive Committee and the Women's Leadership Council. She also belongs to the Business Marketing Association and New York Women in Communications Inc. She received her BA from New York University.

Peter Austin is a vice president of the CIT Group, a financial services firm in New York City. He began curling in 1999 shortly after graduating from Middlebury College. Peter has served on the Membership Committee of the Ardsley Curling Club in the GNCC. He was vice skip of a final six team in the 2003 GNCC playdowns leading to the U.S. National Championships.

Feinberg has more than 25 years of experience in corporate finance, leveraged finance, retail finance, equipment finance/leasing and restaurant lending. He has been involved in several billion dollars' worth of financings in numerous industries. In addition to managing new business activities, he has also managed workouts and securitizations. Prior to CIT, Feinberg spent seven years with FINOVA Capital Corp., holding various management positions, most recently as business head of FINOVA's Commercial Equipment Finance and Restaurant/Franchise Lending Divisions. During his last two years at FINOVA, he worked directly for Leucadia National Corporation and Berkshire Hathaway (collectively "Berkadia"), FINOVA's managing investor, in overseeing a combined loan portfolio of $1.8 billion, which he successfully liquidated in connection with FINOVA's reorganization. Feinberg holds a bachelor's degree from the State University of New York at Binghamton and an MBA in Finance from the New York University Stern Graduate School of Business.

Peter J. Tobin has served as a director of CIT since July 1, 2002, and previously from May 1984 to June 1, 2001. Mr. Tobin retired from St. John s University in May 2005, after serving as Special Assistant in Corporate Relations and Development to the President of St. John s University since September 2003, and previously as Dean of the Peter J. Tobin College of Business at St. John s University since August 1998. From March 1996 to December 1997, Mr. Tobin was Chief Financial Officer of The Chase Manhattan Corporation. From January 1992 to March 1996, Mr. Tobin served as Chief Financial Officer of Chemical Banking Corporation, a predecessor of The Chase Manhattan Corporation, and prior to that he served in a number of executive positions at Manufacturers Hanover Corporation, a predecessor of Chemical Banking Corporation. He is also a director of AXA Financial, AllianceBernstein Corporation, a subsidiary of AXA Financial that manages mutual funds, H.W. Wilson, a publishing company, and an officer and director of Rock Valley Tool.

Timothy M. Ring, 50, was named Chairman and Chief Executive Officer for C. R. Bard, Inc. on August 8, 2003. He joined Bard in June 1992 as Corporate Vice President - Human Resources and was promoted to Group Vice President - International in December 1993. In November 1995, was given additional responsibility for Interventional Cardiology and Electrophysiology. In January 1997, he also resumed additional responsibility for the Cardiac Assist and Cardiopulmonary divisions and in April 1997 was promoted to Group President for Coronary Vascular Products. In 1999, he was named Group President for Bard Electrophysiology and Peripheral Vascular Products and in 2002 was given additional responsibility for Bard Access Systems, Bard Europe, and Corporate Healthcare Services. Prior to Bard, he worked for Abbott Laboratories for nearly 10 years, most recently as Director of Personnel for the Hospital Products Division. During 1990, he was General Manager for Abbott's Australian, New Zealand and Indonesian operations, residing in Sydney. From 1987 to 1989, he was Director of Personnel for Pacific/Asia/Africa and Europe. In 1984 to 1986, he was also Director of Personnel for Latin America & South East Asia. He started at Abbott in 1983 as Assistant Personnel Manager for the Pharmaceutical Division. Prior to joining Abbott, Tim was employed by The General Motors Corporation and holds a B.S. in Industrial and Labor Relations from Cornell University. Tim is a trustee for the Foundation of The University of Medicine & Dentistry of New Jersey and the HealthCare Insitute of New Jersey, and serves on the Cornell University Life Sciences Advisory Board. Mr. Ring is also a member of the Board of Directors for C.R. Bard, Inc., AdvaMed, the medical device industry association, CIT Group, and the National Association of Manufacturers (NAM).

John Emerick joined Fair Isaac's Finance group in 2004. He has nearly 20 years experience in financial management and analysis roles, most recently serving as director of media and communications finance at CIT Group in Morristown, NJ. He also has served in financial leadership roles with companies including Ovation Communications, Newcourt Capital and PNC Bank. Mr. Emerick holds a BS degree in Finance from Fairfield University in Fairfield, CT.

Ms. Van Deusen is the Managing Partner of McCarter & English, LLP, a regional law firm based in Newark, New Jersey, and is the first woman to hold the position of Managing Partner in a major New Jersey law firm. As a partner in the Real Estate Practice Group, Ms. Van Deusen concentrates on commercial real estate transactions. Ms. Van Deusen joined McCarter & English in 1977 and was named a partner in 1986. Additionally, she sits on the board of Habitat for Humanity Network, Inc. CIT director since January 2003.