Richard H. Repetto

RICHARD H. REPETTO, CFA, is a Senior Vice President at Putnam Lovell
Securities, Inc. and leads the firm’s eFinance Research Team. He was
previously associated with Lehman Brothers, where he established the
firm’s research coverage of the Internet Financial Services sector in
May 1999. Prior to establishing this unit, he was part of the highly-
ranked specialty finance team at Lehman, following a 10-year career at
Mobil Oil Corporation. He received an MBA in Finance from The Wharton
School and a BS in General Engineering from the United States Military
Academy at West Point, NY. Mr. Repetto has received the Chartered
Financial Analyst (CFA) designation and is a member of the Association
for Investment Management and Research (AIMR) and New York Society of
Securities Analysts. He is a frequent speaker at Internet financial
services conferences and has appeared on CNBC, CNN Moneyline, Bloomberg
TV and CBS Marketwatch.