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S. Blair Abernathy is Executive Vice President, Specialty Mortgage Lending of IndyMac Bank, F.S.B. (Indymac Bank�), overseeing the consumer construction, subdivision construction, conforming, and HELOC products. Previously, Mr. Abernathy was responsible for the whole loan and mortgage-backed securities investment portfolio, the mortgage conduit and corporate finance functions, and prior to that hedging, trading, product development, risk-based pricing and secondary marketing functions of Indymac Bank. Prior to joining Indymac in February 1994, Mr. Abernathy managed the accounting and investment functions of Commerce Security Bank, a state chartered bank in Sacramento, California, as Senior Vice President and Chief Financial Officer. From July 1988 to January 1993, Mr. Abernathy served as Vice President and Controller of Sunrise Bancorp of California, a publicly traded bank holding company with banking and mortgage banking subsidiaries. Mr. Abernathy received a B.S. in Business Administration from California State University, Sacramento, where he graduated with honors. | 