RESUME Stanley J. Kon



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RESUME Stanley J. Kon Smith Breeden Associates, Inc. 104 Lynwood Place 280 South Mangum Street, Suite 301 Chapel Hill, NC 27517 Durham, NC 27701 Telephone: 919-932-3362 Telephone 919-967-7221 Cell phone: 919-593-5088 Direct 919-328-5100 Fax 919-967-1820 Email: skon@smithbreeden.com Current Employment 7/97 Present Smith Breeden Associates, Inc. Director of Research, Co-Director of the Investment Management Group, Principal and Executive Vice-President Academic Appointments 7/87 6/99 Professor of Finance, University of Michigan 1/96-5/96 Visiting Professor of Finance, New York University 7/82-6/87 Associate Professor of Finance, University of Michigan 9/81-6/82 Associate Professor of Finance, New York University 7/78-8/81 Assistant Professor of Finance, New York University 1/77-6/78 Visiting Assistant Professor of Finance, University of Chicago 9/75-12/76 Assistant Professor of Finance and Managerial Economics, University of Wisconsin-Madison Additional Appointments 04/01/01 - Present Editor, The Journal of Fixed-Income 01/01/00 01/18/04 Director, Smith Breeden Associates, Inc. 04/12/96 01/31/07 Director, Harrington West Financial Group, Inc. 04/12/96 01/31/07 Director, Los Padres Savings Bank, FSB. 10/24/94 01/28/02 Director, Harrington Financial Group, Inc. 09/23/93 12/31/00 Director, Harrington Bank, FSB. 09/21/90 06/30/99 Advisory Board, Mitsui Life Financial Research Center. 01/04/89-05/15/90 Director, Mutual Savings Bank, F.A. 02/01/89-05/15/90 Chairman, Investment & Finance Committee, Mutual Savings Bank, F.A. 11/26/85-10/14/88 Director, Regency Savings Bank, F.A. 07/01/85-09/01/88 Chairman of Finance Department, University of Michigan. 07/01/87-06/30/88 Director, J. Ira Harris Center for the Study of Corporate Finance.

Education Ph.D., State University of New York at Buffalo, Finance, 1976 M.B.A., St. John's University, Finance and Economics, 1972 B.S., Lowell Technological Institute, Chemical Engineering, 1970 Publications "Cash Demand, Liquidation Costs and Capital Market Equilibrium Under Uncertainty," Journal of Financial Economics, Vol. 2, No. 3, 1975, (with A.H. Chen and E.H. Kim). "Cash Demand, Liquidation Costs and Capital Market Equilibrium Under Uncertainty: Reply," Journal of Financial Economics, Vol. 3, No. 3, 1976, (with A.H. Chen and E.H. Kim). "Estimation of Time-Varying Systematic Risk and Performance for Mutual Fund Portfolios: An Application of Switching Regression," Journal of Finance, Vol. 33, No. 2, 1978, (with F.C. Jen). "The Investment Performance of Mutual Funds: An Empirical Investigation of Timing, Selectivity and Market Efficiency," Journal of Business, Vol. 52, No. 2, 1979, (with F.C. Jen). "Specification Tests for Portfolio Regression Parameter Stationarity and the Implications for Empirical Research," Journal of Finance, Vol. 34, No. 2, 1979, (with W.P. Lau). "Economic Justification for the Comex 500 Stock Market Index Futures Contract," Document for the U.S. Commodity Futures Trading Commission, June, 1980, (with S. Figlewski). "The Characteristics and Behavior of Major Stock Market Indexes," Document for the U.S. Commodity Futures Trading Commission, September, 1980, (with Chase Econometric Associates). "Portfolio Management with Stock Index Futures," Financial Analysts Journal, January/February, 1982, (with S. Figlewski). Reprinted in Selected Writings on Futures Markets: Explorations in Financial Futures Markets, edited by A.E. Peck, Chicago Board of Trade, 1985. "The Market Timing Performance of Mutual Fund Managers," Journal of Business, Vol. 56, No. 3, 1983. "Models of Stock Returns - A Comparison," Journal of Finance, Vol. 39, No. 1, 1984. 2

"Stock Index Futures in Active Portfolio Management," in Stock Index Futures, Dow Jones-Irwin, 1984. "Optimal Market-Timing and Security Selection Decisions with Index Futures," Advances in Futures and Options Research, Vol. 1, Part B, pp. 1-28, 1986. "Active Portfolio Management," Handbook of Stock Index Futures and Options, Dow Jones-Irwin, 1989. "The Value of Shelf Registration for New Debt Issues," Journal of Business, Vol. 62, No. 2, April, 1989, (with P.R. Kadapakkam). "The Effect of Bankruptcy Laws on the Valuation of Risky Consumer Debt," The Financial Review, Vol. 24, No. 3, August 1989, (with J.G. Thatcher). "Standoff in regulation of stock-index futures," Commentary, Pensions and Investments, Vol. 18, No. 17, August 6, 1990, (with Roger C. Kormendi). "Alternative Models for the Conditional Heteroscedasticity of Stock Returns," Journal of Business, Vol. 67, No. 4, October 1994, (with Dongcheol Kim). Modern Portfolio Theory: Implications For Prudent Investment Strategies, in International Mutual Funds & the Prudent Investor Act: A Guide for the Fiduciary, Federated Investors, December 1995. "Sequential Parameter Nonstationarity in Stock Market Returns," Review of Quantitative Finance and Accounting, Vol. 6, 1996, (with Dongcheol Kim). "Time-Varying Empirical Duration and Slope Effects for Mortgage-Backed Securities," Journal of Fixed Income, Vol. 8, No. 2, September 1998, (with Christine Y. Polek). "Structural Change and Time Dependence in Models of Stock Returns," Journal of Empirical Finance, Vol. 6, 1999, (with Dongcheol Kim). 3

Working Papers and Presentations "Bank Risk Management, Capital Adequacy, and Regulatory Intervention," Working Paper, University of Michigan, August, 1991, (with Frank C. Jen). Mortgage Portfolio Performance Attribution, Smith Breeden Associates, April 1999. Core Portfolio Performance Attribution, Tracking Error Decomposition, Risk Budgeting and Asset Allocation, Smith Breeden Associates, April 2001. Performance Attribution: An Objective Standard, Smith Breeden Associates, April, 2003. Introduction to the U.S. Mortgage Market, Smith Breeden Associates, February, 2004. Performance Attribution and the Investment Management Process, Smith Breeden Associates, August, 2004. Hedge fund Performance Attribution, Smith Breeden Associates, September 2004. New Opportunities in Global Equity Portfolio Management: Enhanced EAFE, ACWI ex US and World Strategies, Smith Breeden Associates, October 2005. Portfolio Construction: Alphas, Betas and Macro-Factors, Smith Breeden Associates, October, 2007. Referee Journal of Business Journal of Financial Economics Journal of Money Credit and Banking Journal of Finance Review of Financial Studies Journal of Financial and Quantitative Analysis Operations Research Management Science Journal of Banking and Finance Journal of Forecasting Financial Review 4

Journal of Financial Research Quarterly Review of Economics and Business The Journal of Real Estate Finance and Economics Journal of Investment Management Editorial Boards The Journal of Fixed Income Journal of Investment Management Quarterly Review of Economics and Business Advances in Investment Analysis and Portfolio Management Review of Quantitative Finance and Accounting Consulting Experience Equitable Life Insurance Company Bandler & Kass Educational Design, Inc. Sheridane Design, Inc. Chase Econometric Associates, Inc. Commodity Exchange Inc. Sullivan & Leavitt RW Service Systems Modern Portfolio Strategies, Inc. U. S. Department of Labor Mutual Savings Bank Mid America Institute Catalyst Group Resolution Trust Corporation Credito Emiliano City of Livonia Employees Retirement System U.S. Securities and Exchange Commission Reed Smith Shaw & McClay Butzel Long Federated Investors Harrington Bank November, 2008 5