Anthony G. Cornyn is a Senior Advisor to the Director of the Federal Housing Finance Board in Washington DC. Anthony has an executive level experience with Federal Reserve Board, Office of Thrift Supervision, and the Federal Housing Finance Board. He was a former member of the Bank for International Settlements Subcommittee on Off-balance Sheet Banking (Basel Committee). Anthony also has expertise in housing finance, mortgage markets, mortgage-backed securities, and specialized mortgage lending institutions. Along with his work experience, Anthony is a co-editor of two books on interest rate risk and has an MBA from University of Pittsburgh and a CFA from Stonier Graduate
School of Banking. He is also affiliated with the CFA Council of Examiners, Washington Society Investment Analysts, Global Association of Risk Professionals and the Association of Investment Management and Research.

Adrian Coles joined the Building Societies Association in 1979 as an Economist. After various appointments he became Director-General in 1993. Mr. Coles has extensive experience of analyzing housing and mortgage market trends in the UK, and other countries, and in his current role is responsible for leading the BSA's 30 staff in representing the views of the UK's 63 building societies (customer-owned mortgage lending and deposit-taking institutions) to the government, regulators, the
central bank, Parliament and the media. He frequently addresses seminars and conferences, both in the UK and overseas, on housing, savings, mortgages and mutuality, and has often appeared on radio and
television. Mr. Coles takes a keen interest in international developments and is Secretary General of the International Union for Housing Finance, and a member of the Executive Committee of the European Mortgage Federation. The International Union is a 50-country, 150-member organization of mortgage lenders dedicated to information exchange and the spread of good practice. It publishes two journals on a regular basis, maintains a web site, and organizes a World Congress - attracting 300+
delegates - every two years. Mr. Coles has undertaken a number of roles in the social housing sector, and was Chairman of a large housing association (a not-for-profit provider of subsidised lower income
housing) in the early 1990s, and a member of the board of the Housing Ombudsman (which resolves complaints from housing association tenants about their landlords) between 2001 and 2004. Between 1994 and 2004 Mr. Coles was on the board of the Money Advice Trust, a charity seeking to ensure that those who had difficulty in repaying their loans had access to free and confidential advice. Between 2003 and 2005 Mr Coles lead a review of corporate governance standards in the UK's
co-operative sector. Mr. Coles is a graduate of both Nottingham and Sheffield Universities with degrees in Economics.

Adel Al Shirawi is the Chief Executive Officer of Tamweel, LLC, in Dubai, UAE. He served as an Executive Director and board member for the Ports, Customs and Free Zone Corporation (PCFC). Furthermore, Adel Al Shirawi was the Secretary General for The Corporate Office group of companies (PCFC, Dubai Metals and Commodities Center-DMCC Tejari, Nakheel Properties.) He is also a member of the Dubai "e-Government" Executive Team. He has received several leading industry awards including the Dubai Government Excellence Award for Best Employee in 1999. Adel Al Shirawi holds a Masters degree in Engineering (Mathematics and Computer Sciences Engineering) from the University of Louisville, Kentucky, USA. He has also enrolled in Executive Programs such as IMD, Harvard Business School and London Business School.

Emad Hassan is Director of the National & Economic Databases Program, The Ministry of State for Administrative Development, managing and planning eGovernment projects such as traffic, court of appeal and public notary eServices on the GOE web portal for governmental services. Prior to this, he was an ICT consultant at the Egyptian Business Association and at the National ICT consultant. He holds a masters degree - communication and electronics from the Faculty of Engineering - Cairo University.

Dougal Menelaws is Task Leader of the registration component for the USAID funded Egypt Financial Services project. Dougal has more than 20 years of international consulting experience in the housing finance and land administration sectors. As Project Manager on the World Bank Housing Sector Loan to the Government of Indonesia, he devised policies, programs and products to expand the primary mortgage lending market. Facilitated adoption of strategies and policies to encourage private developer participation in the production of non-subsidized low cost housing, new savings products to mobilize and express household demand for mortgages, and a five year plan detailing the housing product range and funding required to support Government targets for home ownership. At the request of the Central Bank, led a multi-disciplinary team to verify and reclassify loan assets of state owned banks, established loan loss reserves and write-offs, instituted new credit underwriting and accounting standards, developed strategies for problem loans and developed loan collection, supervision and reporting standards. Dougal also served as Chief Policy Advisor to the Indonesian Land Administration Project (ILAP) to formulate and develop a national strategy for land administration. Provided policy guidance and reforms to improve property registration, privatization of registration related services, land tenure legal reform, land acquisition and development practices, land use planning controls and performance codes, effective management of state owned land and resources, property taxation and strategies to protect and afford tenure rights to low income informal settlements and indigenous groups.

CEO, EHFC Egypt
Cairo, Egypt

Jill S. Urban-Karr is Vice President, Eurasia and the Middle East Business Development, Stewart Information International. Jill has 15 years of experience in land records information solutions, real-estate solutions, e-government solutions, project management and design and solutions consulting. Jill is an experienced project manager with a strong background in both real estate and governmental processes. Since joining Stewart, Ms Urban-Karr has worked in Europe, the Middle East and South America in various governmental organizations and private real estate industry sector for the implementation of the integrated public and private sector solutions focused on land records management. Prior to joining Stewart, Jill worked as a GIS manager managing all aspects of the geographic information system project, including data conversion, hard ware/software specifications, end user training, database development, graphic design specifications and application development.

Allen Decker is Chief of Party of the USAID-funded Egypt Financial Services Project (EFS) in Cairo, Egypt. The EFS project is working to establish a supporting framework for the real estate finance industry, improve the property registration system, develop procedures for secured lending and financial instruments, and establish a credit information system in Egypt. Allen has 39 years of experience as a Program director and real estate consultant. His USAID experience includes directing projects, program management, policy formulation, real estate lending, appraisal and brokerage, development of registration, taxation, association development, design and implementation of investment incentives and marketing programs, and training and cadre development. He is the former Chairman of Faculty for the International Operations section of the National Association of Realtors, Vice President of Eastern European Real Property Foundation (EERPF) and Chairman of the International Education Committee of Commercial
Investment Real Estate Institute (CIREI) in USA. His extensive international experience includes Egypt, Russia, Ukraine, Central and Southeastern Europe, and Kyrgyzstan.

Khaled Rasekh has more than 15 years experience in the fields of Real Estate Brokerage/ Mortgage/Appraisal. He is currently President and CEO of ERA Middle East. Mr. Rasekh is also currently the Chairman of the Egyptian Real Estate Association and the Egyptian Mortgage Broker's Association. In addition, he is a member of the Rules and Regulations Committee and the Education and Training Development Committee in the General Authority for Real Estate Finance. Mr. Rasekh is also affiliated with the United States National Association of Realtors (NAR), the Mortgage Bankers Association of America (MBA), the National Association of Real Estate Appraisal (NAREA), the Appraisal Institute (AI) and the Commercial Investment Real Estate Institute (CCIM). Since his arrival in Egypt, he has been organizing and conducting courses in the real estate field in Egypt's major institutions such as the American University in Cairo, Cairo University, the Egyptian Banking Institute and numerous others.

Faisal Qadri is Associate Director in HSBC Amanah's global product development team looking after retail and commercial banking products and has been involved with the Islamic finance industry over the past 5 years. He has also been involved in launching the HSBC Amanah proposition in UAE, Bangladesh and Qatar. Mr. Qadri has also worked with Ernst and Young in their Islamic Finance consultancy where he advised the Bahrain Monetary Agency in launching the first ever prudential regulations for Islamic banks. In this role he also worked with various financial institutions in developing their operational and risk management frameworks and launching Islamic finance window and subsidiary operations. He has also worked in Procter and Gamble in brand management and Credit Lyonnais Securities Asia as Equity Analyst. Mr. Qadri did his MBA from Institute of Business Administration Karachi and holds the Chartered Financial Analyst designation from CFA Institute USA.

Yeheyia Abdul Rahman is the founder of the LARIBA System and Resident Shari'aa Scholar & Supervisor. He is also the founder and former Chairman & CEO of LARIBA Bank of Kazakhstan (1993 - 1998), and the Chairman of the Board of Directors and Chief Executive Officer, Bank of Whittier in California. Yeheyia has extensive experience in Banks and Financial Institutions' start up, Stocks Portfolio Management for high net worth institutions and individuals. He participated in establishing the Guidelines for Stock Investing According to Shari'aa since 1988, the Oil & Gas Industry in the USA and internationally and in Riba-Free Banking and Riba-Free Compliant Stock Portfolios Design and Management. With more than 37 years of highly diversified experience in international banking, project financing, and in the oil and gas industry. Yeheyia’s educational background includes an MA in International Management & Finance from the University of Texas in Dallas, an M.S and a Ph.D. in Chemical Engineering from the University of Wisconsin in Madison and a BS in Chemical Engineering from Cairo University.

George Takla is the Managing Director of Chambers Investment Planners (Australia). With over 30 years experience as an auditor, central banker, businessman and financial planner, Mr. Takla has managed to develop a wealth of knowledge regarding financial markets. His unique knowledge has enabled him to help many ordinary Australians create long term wealth while managing their liabilities (including their long term residential mortgages). In Australia, he is known as a pioneer of capital protected investments.

Simona Sabella Bishouty is Assistant General Manager in Risk Management at Cairo Amman Bank where she helped establish and carry out the bank's retail banking strategy. She supervises the functions of many departments including the consumer loans department, housing loans, lending to small businesses, credit card center, credit audit, credit control department and the retail card financing department. Simona's contribution at Cairo Amman Bank also includes her participation in identifying new products, costing, risk return factors and establishing lending criteria that fits different market segments and borrowers. As a member of Board of Directors for many companies Simona was involved with: Jordan Mortgage Refinance Company, the Real Estate Development Co. Plc, and VISA Jordan Card Services Company. Other background experience includes training on the job as a credit analyst with Chase Manhattan Bank in London after attending the credit training program.

Maha Abdel-Razek has over twenty years experience in residential, construction and commercial lending that included all elements: pre-qualifying, underwriting, closing loans, creating mortgage products for low to moderate income customers and retail lending. She has developed programs and trained both local and international bankers to implement and market mortgage loans according to rules and regulations with different aspects according to market needs without scarifying quality nor profitability. She created, managed and implemented sales plan that included referral to increase sales in different mortgage institutions (mortgage bankers, savings and loans, and banks) and has been responsible for budgeting, cost analysis, strategic planning, designing and implementing feasibility studies in order to expand business through different franchise channels. Mrs. Abdel-Razek is licensed to sell real estate, insurance and securities in the USA.

Kathy Gibbons is the Mortgage Bankers Association (MBA)'s Government Affairs Director for Secondary and Capital Markets. In that capacity, Kathy is the staff specialist for legal and market developments in the secondary markets area. Kathy came to MBA from Ernst & Young where she was a Senior Consultant advising government and private entities. Kathy's prior employment includes nine years at Fannie Mae. She started at the agency as a securities attorney responsible for MBS legal issues from loan review to guide formulation, disclosure documentation and Charter interpretation. Subsequently, Kathy shifted to the business side of Fannie Mae and was Director for Capital Markets, charged with the development, pricing, marketing, and legal, accounting and dealer operations for the multi-billion dollar single-family REMIC program for conventional and government mortgage loans.
She later was responsible for beginning the multifamily REMIC program for whole loans and securities as a Director for Multifamily Negotiated Transactions. Kathy's work background also includes stints as a Special Assistant to the Secretary of Housing and Urban Development, private practice as an attorney and handling private placements as a securities lawyer for the National Housing Partnership. Kathy holds a B.A. from St. Mary's College, Notre Dame, Indiana and a J.D. from George Washington University.

Bahaa Ali El-Dean is an Assistant Professor of Commercial Law at Faculty of Law, Menoufiya University, Egypt. He has been teaching competition and commercial law at the English Department, Faculty of Law Cairo University since 2001. Mr. Ali El-Dean's professional experience includes serving as a member of international consultancy teams tasked with developing a regional competition law for the Common Market for Southern and Eastern Africa (COMESA); as well as capacity building and public awareness of the COMESA regional competition law. Mr. Ali El-Dean has also served as an advisor to the Egyptian Government on the established of the competition authority and drafting the Executive Regulations of Egypt's competition law (December 2004- June 2005 ). In addition, he has provide legal consultancies to several law reforms projects including, the ECES/ILD project on "The Business Formalization in Egypt," and a USAID funded project, implemented by the Egyptian Center
for Economic Studies in collaboration with ILD (Instituto Libertad y Democracia, Peru), (June 2002-June 2003). In the commercial arbitration arena, he has served as arbitrator from 2000-2004, both party appointed and chairman in institutional arbitrations under the auspices of the Cairo Regional Centre for International Commercial Arbitration and ad hoc arbitrations. Mr. Ali El-Dean holds - Licence en droit (Distinction), Cairo University, 1990; a Diploma of International Trade Law, Cairo University, 1991; Magistere en droit, Cairo University, 1993; an LL.M (Merit), Queen Mary and Westfield College, University of London 1994, in International Business Law, and a Ph.D., King's College, University of London, 2000. He is a certified and registered arbitrator in the Egyptian Ministry of Justice Bulletin of Arbitrators.