Mark Pascaris

Fitch Ratings, Inc. is a global rating agency and investment research firm headquartered in New York City. The firm was founded by John Knowles in 1913 as Fitch Publishing Co. They are a subsidiary of Fitch Group, Inc., ultimately owned by The Hearst Family Trust. Fitch Ratings seeks to provide independent and prospective credit opinions, research and data to the world's credit markets. Their approach is based on a foundation of local market experience that covers capital markets in over 150 countries. The firm's ratings analysis and rating decisions are based on established criteria, methodologies and ratings definitions which they apply in a consistent manner. Fitch Ratings provides coverage of the following markets: Economics, Banks, Insurance, Sovereigns, Corporates, Structured Finance, Public Finance – International, Public Finance – US, Infrastructure & Project, and Finance.

Hagler Bailly, Inc. provides management consulting and other advisory services to the private and public sectors worldwide. Revenues from the company's consulting business are derived from management consulting services provided through the company's specialized practices. The company operates in principally one business segment.

Part of Jacobs Solutions, Inc., Apogee Research, Inc. is a consulting company. The company is based in Bethesda, MD. The company was founded by Richard R. Mudge. Apogee Research was acquired by Hagler Bailly, Inc. on November 19, 1997 for $7.50 million.

Moody's Investors Service, Inc. is a credit rating and investment research firm headquartered in New York City. They are a subsidiary of Moody's Corp. (NYSE: MCO). The firm performs international financial research and analysis on commercial and government entities and provides a variety of analytic tools for assessing credit risk. Their clients include creditors, investment banks and commercial banks.