Ocwen Financial Corporation Cultura da Companhia

Mr. Ronald M. Faris, also known as Ron, has been the President of Ocwen Financial Corp. since March 2001 and has been its Chief Executive Officer since October 28, 2010. Mr. Faris serves as the President and Chief Executive Officer of Ocwen Loan Servicing, LLC. He served as the President of Ocwen Asset Management Segment at Ocwen Financial Corp. He served as the President of Ocwen Federal Bank FSB since March 2001. He served as Executive Vice President of Ocwen and Ocwen Federal Bank FSB from May 1998 to March 2001, as a Senior Vice President of Ocwen Federal Bank FSB from May 1997 to May 1998 and Vice President and Chief Accounting Officer of Ocwen from June 1995 to May 1997 and of Ocwen Federal Bank FSB from July 1994 to May 1997. From March 1991 to July 1994, he served as Controller for a subsidiary of Ocwen. From 1986 to 1991, Mr. Faris served as Vice President with Kidder, Peabody & Co. Inc., and from 1984 to 1986 worked in the General Audit Department of PricewaterhouseCoopers LLP. He has been a Director at Ocwen Financial Corp. since May 2003. He served as a Director at Ocwen Federal Bank FSB since March 2001. Mr. Faris holds a Bachelor of Science in Accounting from Pennsylvania State University.

Mr. Michael R. Bourque Jr., has been Chief Financial Officer and an Executive Vice President of Ocwen Financial Corp. since June 2, 2014. Mr. Bourque spent fifteen years in various financial leadership positions in the General Electric Company, spanning both GE's industrial businesses as well as GE Capital. From 2013 to April 2014, He served as Chief Financial Officer for GE Distributed Power. Prior to joining Ocwen, He spent fifteen years in various financial leadership positions in the General Electric Company, spanning both GE's industrial businesses as well as GE Capital. From 2013 to April 2014, He served as Chief Financial Officer for GE Distributed Power, a business within GE Power & Water. He served in other Chief Financial Officer, financial planning and analysis and internal audit roles at General Electric. He holds a Bachelor of Arts from the College of the Holy Cross in Worcester, Massachusetts and a Masters in Business Administration from the Wharton School at the University of Pennsylvania, in Philadelphia, Pennsylvania.

Mr. Scott William Anderson has been an Executive Vice President and Chief Servicing Officer of Ocwen Financial Corp. since 2009. Mr. Anderson served as Senior Vice President of Residential Assets since November 2001. prior to joining ocwen in November 1993, Mr. anderson was employed by cigna. He holds a bachelor of arts in economics from bowdoin college.

Mr. Arthur C. Walker, Jr. has been Senior Vice President of Global Tax at Ocwen Financial Corp. since August 2013. Mr. walker is a Partner of Mayer Brown LLP. He joined Ocwen in August 2013. Mr. walker has over 19 years of tax experience advising public companies on domestic and international tax matters. Prior to joining ocwen, Mr. walker was a Tax Partner with the law firm of mayer brown llp and had been with mayer brown for 14 years. Mr. walker has advised companies in many different industries throughout his career including technology, software, service provider, pharmaceutical, financial services, transportation, healthcare and manufacturing. his tax practice experience has included planning, intercompany transfer pricing, structuring / restructuring of business operations, offshore intangibles, contract manufacturing, cross-border financing, mergers and acquisitions, legislation, private letter rulings, examinations and administrative appeals. Mr. walker holds a Bachelor of Science in Business Administration Degree from georgetown university's mcdonough school of business and a JD and LLM in taxation from georgetown university law center.

Mr. Otto J. Kumbar has been President of Ocwen Mortgage Services at Ocwen Financial Corp. since August 2015. Mr. Kumbar served as an Executive Vice President of Lending at Ocwen Financial Corp. since 2013. Mr. Kumbar served as the Chief Executive Officer of Ocwen Mortgage Services at Ocwen Financial Corp. He serves as the Chief Executive Officer at Liberty Home Equity Solutions, Inc., and served as its President until October 26, 2015. He served as the Business Leader for Liberty since 2010 and has worked in the mortgage industry since 2001. He was Genworth's Managing Director for Latin America; Chief Executive Officer of Australia and Managing Director for Mortgage Insurance in Europe. He joined General Electric in 1985 and held various positions in numerous GE businesses including GE Plastics, Industrial Systems, Global Exchange Services and GE Mortgage Insurance. Mr. Kumbar attended Rensselaer Polytechnic Institute in Troy, New York graduating with a Bachelor of Science in Computer Science.

Mr. John V. Britti serves as a Partner of Potomac Ventures. Mr. Britti has been the Chief Investment Officer at Ocwen Financial Corp. since June 2, 2014. He has been an Executive Vice President at Ocwen Financial Corp. since June 2014. He served as the Chief Financial Officer at Ocwen Financial Corp. since March 5, 2012 until June 2, 2014. He has also been Vice President at Capital One running Thrift and Mortgage Operations. He serves as Chief Financial Officer at Blue Valley Apartments, Inc. He has investment experience raising a venture capital fund. He has worked at buy-out firms. He served as the Chief Executive Officer of SafeRent, Inc., one of the businesses founded by Potomac Ventures. He joined Potomac Ventures from Freddie Mac, where He served as a Vice President running Field Sales and Pricing & Structured Transactions at Freddie Mac from 1994 to 1997. At Freddie Mac, he was responsible for various marketing activities and launched several new initiatives, including entry into new business lines. He served as Vice President of Regional Lending at The Federal Home Loan Mortgage Corporation since April 2005. He served as the Chief Operating Officer for mortgage insurer RMIC. He served as Executive Vice President of Finance of Ocwen Financial Corp. since January 2011. He was a Consultant at McKinsey and Co. for five years specializing in the technology and financial services industries. He served as a Managing Director at TenX Capital Partners. He was an analyst for the Central Intelligence Agency. He served as a Director at SafeRent, Inc. Mr. Britti has a Bachelor's Degree in Economics from University of Maryland. He has an MBA from the Tuck School of Management at Dartmouth.

Mr. Marcelo G. Cruz has been an Executive Vice President and Chief Risk Officer at Ocwen Financial Corp. since 2014. Mr. Cruz served as Group Chief Risk Officer of Aviva plc since November 2007. Mr. Cruz joined Aviva from Lehman Brothers in New York where he served as a Senior Risk Manager, responsible for Risk Analytics. He founded Boutique Consulting Group RiskMaths and served as its Managing Director.

Mr. Timothy M. Hayes serves as Executive Vice President at Ocwen Mortgage Servicing, Inc. Mr. Hayes has been an Executive Vice President, General Counsel at Ocwen Financial Corp. since April 2013 and serves as its Secretary. He served as Senior Vice President, General Counsel and Corporate Secretary of Springleaf Finance, Inc., and Springleaf Finance Corporation since April 3, 2000. He served as Chief of Staff to the Chief Executive Officer of Homeward Residential, Inc., a subsidiary of Ocwen, since June, 2012. From January 2010 to November 2011, he was Executive Vice President and General Counsel of the Financial Services Division of American International Group, Inc., and from July 2009 through January 2010 was General Counsel of American General Financial Services, Inc., a subsidiary of AIG. Mr. Hayes had previously served as Executive Vice President and General Counsel of Citi Residential Lending, Inc., and predecessor companies from 2005 through 2008. Mr. Hayes had previously served in other legal roles in the financial services industry. Mr. Hayes holds a Bachelor of Arts degree from the College of the Holy Cross and a JD /MBA from Southern Methodist University and is a member of the State Bar of Texas.

Ms. Catherine M. Dondzila has been the Chief Accounting Officer and Senior Vice President of Ocwen Financial Corp. since March 2013 and served as Acting Chief Accounting Officer since March 12, 2013. Ms. Dondzila served as Chief Administrative Officer, Chief Accounting Officer, Controller, Principal and Executive Director at Residential Capital LLC. From 2007 to February 15, 2013. She served as Head of Accounting and Reporting in the government-sponsored enterprise's investments and capital markets division, of The Federal Home Loan Mortgage Corporation (alternate name Freddie Mac) and served as its Senior Vice President since February 2005. She served as Senior Vice President of Investments & Capital Markets Accounting at Freddie Mac since February 4, 2004 and served as its Business Area Controller since February 2005. She served as Reporter of Government-Sponsored Enterprise's Investments and Capital Markets Division at Freddie Mac. Prior to Freddie Mac, She served in various roles for The Bear Stearns Company Inc. from 1992 to 2004, ultimately serving as Senior Managing Director, Fixed Income Sales & Trading Business Area Controller from 2001 to 2004. Prior to Bear Stearns, she served as Director, Internal Audit for Credit Suisse First Boston from 1991 to 1992. She began her career at Deloitte & Touche LLP within the audit division, where she worked from 1984 to 1991. She is a Certified Public Accountant and was the recipient of the Financial Executives Institute Award. She received a B.S. in Business Administration, with a concentration in Accounting and Finance, from Washington University in St. Louis.