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THE RATRIX GROUP is owned and managed by RATRIX ANALYTICS LLC. RATRIX shares a number of its officers with RRC, including but not limited to the CEO and the COO. RATRIX also employs a number of former Moody’s and J.D.Power analysts and other consultants to perform research, analysis, consulting and a range of rating services and projects.

Key Management

K. SCOTT DOUGLASS
Mr. Douglass brings extensive experience in the rating business model. He headed a variety of rating groups at Moody's Investors Service, including the Structured Finance and International Rating Groups and, most recently, the Marketing & Communications Group. He was a member of the senior executive management team at Moody's for over ten years. Mr. Douglass is credited with creating many of the planning, marketing and selling strategies that increased Moody's operating profits at an annual rate in excess of 15% from 1980 through 2000. While at Moody's, he established a variety of new rating systems in a number of new markets around the world. He holds an MBA from the University of Chicago, and a BA from Hamilton College.

MATTHEW C. MOLÉ
Mr. Molé was Vice President & General Counsel of Moody's Investors Service from 1987 through 1998. He was a member of the senior executive management team at Moody's for 12 years, serving on the executive and other senior committees. Prior to joining Moody's, Mr. Molé was a partner in a Wall Street law firm specializing in corporate, securities and international law. In addition to his extensive experience in corporate law, as General Counsel at Moody’s he led a variety of strategic, regulatory, corporate governance, and ethics initiatives, and managed all litigation in which the firm was involved. Mr. Molé also has considerable international experience, having lived and practiced law in France and Scandinavia and, during his 12 years at Moody’s, planned and implemented the expansion of its network of overseas offices. He holds an AB, a JD, and an MBA from Harvard University, and also earned an MBA from INSEAD.

ROBERT J. BECTON
Mr. Becton was Managing Director, Communications and Investor Relations for Moody’s Investors Service and a member of Moody’s senior management committee from 1996-2001. Bob is a seasoned communications professional with over 20 years experience and is well versed in all aspects of strategic and tactical communications required by rating agencies. Prior employment includes: HSBC Group/Americas – Director of Public Affairs, J.P. Morgan Securities – Vice President, and as a consultant within major communications and marketing agencies (Burson-Marsteller, GCI Group/Grey Advertising). Bob has managed engagements for firms such as Sprint, Dow Corning, Hoechst Celanese, Echostar, Merrill Lynch, Sony, and VF Corporation. He holds a BA from Loretto Heights College with continuing education at New York University and Wharton School of Business.