Ramin Habibi
                Mr. Habibi
                    is the Managing Director and founder of Rating Developments
                    Ltd. Prior to setting up the firm, he was the President of
                    Thomson BankWatch-BREE, the regional operation of BankWatch
                    covering banks in Russia, Eastern Europe, Central Asia, and
                    Southern and Eastern Africa. Before establishing BREE, he
                    was the Chief Analyst of Capital Intelligence, rating banks
                  in the Middle East and East Asia. Continued...