Director, Capital Markets, EMEA Financial Services @ From April 2013 to Present (2 years 8 months) Performance Insight & Optimization Group @ From August 2010 to April 2013 (2 years 9 months) Executive Vice President, Fixed Income Research @ • Responsible for managing an Analytics Group that consists of 10 senior quantitative professionals which develops analytic models for valuation and risk measurements of Prime, Alt-A and Non-Prime mortgage assets. • Created and led the development of a credit and prepayment model validation system that allows for automated real time analysis of the credit and prepayment performance of the entire Countrywide servicing portfolio and all outstanding Countrywide securities. • Responsible for bi-weekly forecasts and all team publications and securitization related research. • Led efforts to innovate our modeling approach by incorporating new data sources (Property Record and Credit) that improve the accuracy of models by capturing TrueLTVs, identify home sales and refinances, serial refinancers, silent seconds and other leading indicators of early prepayment and default. From August 2007 to October 2008 (1 year 3 months) SVP, Customer Intelligence Group @ From August 2002 to July 2007 (5 years) SVP @ From 2002 to 2007 (5 years) SVP, Customer Intelligence Group @ From 2002 to 2007 (5 years) VP, North America @ Head of North American operations From March 2000 to July 2002 (2 years 5 months) Vice President @ From 1993 to 1995 (2 years) VP, Risk Management @ From 1990 to 1992 (2 years) Assistant Vice President @ From 1989 to 1991 (2 years)

Ph.D., Economics @ Georgetown University From 1983 to 1989 MA, Economics @ The Ohio State University From 1980 to 1982 BS, Economics, Political Science @ American University From 1976 to 1980 Richard Harmon is skilled in: Business Intelligence, Portfolio Management, Analytics, Forecasting, Program Management, Business Development, SAS, Marketing, Predictive Analytics, Strategy, Enterprise Software, Financial Services, Leadership, Management, Capital Markets