Robert A. Culnane - President

Robert A. Culnane has worked as a student loan industry participant and as an investment banker to student loan issuers since 1985. Most recently, he was Managing Director of the Capital Markets Division of First Marblehead Corporation. Mr. Culnane has been associated with First Marblehead since the early 1990s when he assisted the company in raising capital and executed securitizations. Between 1981 and 2000, Mr. Culnane was Vice President and Manager in the Municipal Bond Department at Goldman Sachs, responsible for running the $38 billion Short Term Group and leading their tax-exempt student loan business. Mr. Culnane has completed over $4.0 billion in taxable and tax-exempt student loan financings. He holds a B.S. degree from Middlebury College where he graduated with Honors.

Paul McCarty - Senior Vice President, Private Loan Operations

Paul McCarty has over 14 years of diverse experience in providing student loan financial services. Mr. McCarty is responsible for GCO ELF's private loan products and operations. Prior to joining GCO ELF, Mr. McCarty served as Senior Vice President of Loan Operations for First Marblehead Corporation, providing leadership in all areas of the life cycle of private student loans. Prior to First Marblehead, Mr. McCarty served as Senior Vice President of TERI, a not-for-profit guarantor of private student loans. Paul received a B.A. Degree from Boston College.

Winthrop T. Smith - Senior Vice President

Win Smith has worked in the investment banking industry for 26 years with a primary focus on student loan securitization and municipal finance. Mr. Smith is responsible for the analysis, purchase and securitization efforts of GCO ELF's student loan portfolios. Mr. Smith manages GCO ELF's risk assessment profile including responsibility for the hedging of GCO ELF's market positions. Prior to GCO ELF, Mr. Smith worked at GMAC and A.G. Edwards & Sons, Inc. Mr. Smith graduated from Yale University in 1981 with a degree in mathematics and has earned an MS in Mathematical Finance at Oxford University.

Steve Underhill - Senior Vice President, Accounting

Steve Underhill has more than 20 years experience in finance, accounting and operations, including more than 10 years experience in student loan operations. Prior to joining GCO ELF, Mr. Underhill served as Vice President at GMAC ELF responsible for education loan funding, trust accounting and related trust operations. Prior to GMAC ELF, Mr. Underhill served as a Director of Operations and Senior Manager at Citigroup and PNC Financial Services where he oversaw student loan operations. Mr. Underhill holds a B.A. Degree from the University of South Florida and a Masters in Information Systems from Robert Morris University. Mr. Underhill is also a Certified Management Accountant.

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Robert A. Culnane
Paul McCarty
Winthrop T. Smith
Steve Underhill