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Ms. Caldwell has been a member of our Board since 2021. Ms. Caldwell became Chair of the Board of Directors of Ocwen on March 15, 2016 and has served as a Director of Ocwen since January 2015. Ms. Caldwell is founder and managing member of Wroxton Civic Ventures, LLC, which provides advisory services on various financial, housing and economic development matters, a position she has held since January 2012. Previously, Ms. Caldwell was Chief, Homeownership Preservation Office at the U.S. Department of the Treasury, responsible for oversight of the U.S. housing market stabilization, economic recovery and foreclosure prevention initiatives established through the Troubled Asset Relief Program, from November 2009 to December 2011. Prior to such time, Ms. Caldwell held various leadership roles during her 11 years at Bank of America until her retirement from Bank of America in 2007, serving most recently as President of Community Development Banking. Since January 2022, Ms. Caldwell has served as an independent director of Oaktree Specialty Lending Corp (Nasdaq: OSLC). Since January 2014, Ms. Caldwell has served as an independent director of City First Bank of DC. Ms. Caldwell also serves on the boards of non-profit organizations engaged in housing and community development finance, as well as Broadway Financial Corporation (NASDAQ: BYFC) and Revolution Acceleration Acquisition Corp (NASDAQ: RAACU). Ms. Caldwell received her Master of Business Administration from the Robert H. Smith School of Business at the University of Maryland, College Park and holds a Bachelor of Arts in Sociology, also from the University of Maryland.

Ms. Caldwell was selected to serve on our Board based on her extensive experience in housing and economic matters.