Chris Whalen

Carrington Investment Services LLC is a company based in Greenwich, CT.

Bear, Stearns & Co., Inc. is a global investment banking, securities trading and brokerage firm located in New York City with additional offices in Dallas, Boston and San Francisco. The firm is a subsidiary Bear Sterns Cos., Inc. (NYSE: BSC). Their equity research team consists of senior analysts located throughout the world. In addition to domestic coverage, they have research teams focusing on Latin America, Asia and Europe. The analysts use a bottom-up approach to stock selection. The Bear Stearns fixed-income research department provides coverage of every sector of the fixed-income universe. The financial analytics and structured transactions group (F.A.S.T) provides investment research, fixed-income portfolio management and analytical systems, trading technology and general financial expertise. The group also provides a broad range of services to financial institutions including asset-liability management, balance sheet restructuring, receivables-based financing analysis, security and portfolio analysis, peer analysis, and historical and real-time market-based information.

Founded in 2003 by Dennis Santiago and Chris Whalen, Institutional Risk Analytics (IRA) is a research firm located in Torrance, California. The firm is a division of Lord, Whalen LLC. IRA provides customized risk management solutions and advisory services to companies around the world. They seek to deliver transparent, cost-effective fundamental analytics systems. IRA has two primary business lines: (1) publishing financial risk benchmarks and analytics and (2) business process and risk management consulting services. IRA designs and builds analysis and scoring systems that measure the financial risks of critical interest to credit officers, auditors, corporate lenders, regulators and other financial risk decision makers. The firm publishes standardized benchmarks covering risk measures for both banking institutions and corporate obligors. The IRA Bank Monitor is a performance and risk model of all U.S. banking institutions that includes a variety of financial tests, Basel II credit ratings and risk metrics. The IRA Bank Monitor uses economic capital and risk adjusted return benchmarks that are comparable across all U.S. bank units and bank holding companies. The IRA Corporate Monitor is a fundamental analytics and peering engine that uses structured data to perform fundamental analysis of U.S. and international companies using metrics drawn from academic and regulatory sources. The IRA Corporate Monitor delivers debt service capacity, credit recovery and cash flow source quality ratings. The firm's standardized tools are configured for immediate use in general financial performance, valuation and risk management applications. These tools also are available in customized configurations designed to meet each client's specific analytics needs. The IRA SEC Catalog tools deliver capabilities to manage the SEC's complex document base. All IRA products are available for purchase or through subscription. IRA offers consulting services that identify, architect and execute changes that significantly reduce clients' analytics activity costs and boost productivity. The firm leverages their transparent analytical tools to improve work product consistency and quality and to realign work process flows. IRA delivers risk managed consulting services from a CSUITE perspective that helps clients generate sustainable ROI from their financial analytics and risk management activities. IRA also offers: (1) advisory services for investments, operations and public policy, including business planning and process design (2) portfolio analysis and risk tracking and (3) valuation and target selection for M&A transactions and (4) due diligence and market intelligence gathering services.