Jeffrey M. Ruben

Jeffrey M.
Ruben, aged 41 yrs, has been Executive Vice President since September 1998.
He was general counsel from April 1992 to April 2001.
He is also Executive Vice President of some of subsidiaries, positions he has held since April 1992.
Mr. Ruben is responsible for the loan servicing and collections departments, the asset allocation unit and the legal department.
Mr. Ruben served as Vice President from April 1992 to 1995 and Senior Vice President from 1995 to 1998.
From June 1990 until he joined us in April 1992, Mr. Ruben was an attorney with the law firm of Klehr, Harrison, Harvey, Branzburg & Ellers in Philadelphia, Pennsylvania.
From December 1987 until June 1990, Mr. Ruben was employed as a credit analyst with the CIT Group Equipment Financing, Inc. Mr. Ruben is a member of the Pennsylvania and New Jersey Bar Associations.
Mr. Ruben holds a New Jersey Mortgage Banker License and a New Jersey Secondary Mortgage Banker License.