Speakers

Frank Armstrong is president of World Omni Financial Corp. (World Omni) and executive vice president of parent company JM Family Enterprises, Inc. (JM Family), a $12.2 billion diversified automotive company. In this position, Armstrong is responsible for the strategic and operational management of World Omni, a diversified financial services company, providing a broad range of financial services to consumers, dealers and lenders. Armstrong also serves as a member of the Executive Management Team of JM Family, which oversees the development and implementation of the company's long-range planning and strategies for future growth.

World Omni has a significant presence in the automotive financial services arena. The company has maintained its Standard & Poor's STRONG auto servicer rating since 2004, the highest possible for a consumer finance, automobile loan and lease servicer. World Omni is headquartered in Deerfield Beach, Fla. and has major operations in Alpharetta, Ga.; Mobile, Ala.; St. Louis, Mo.; Solon, Ohio; Beverly, Mass.; Burnsville, Minn.; Montreal and Toronto, Canada.

Armstrong also oversees World Omni's divisions, including Southeast Toyota Finance, which offers automotive financial products and services to Southeast Toyota dealerships; CenterOne Financial Services LLC, a leader in third-party servicing for the automotive finance servicing industry; DataScan Technologies LLC, which provides best-in-class wholesale floorplan accounting and risk management systems and services to the wholesale finance industry; DataScan Field Services, the largest, full-service vehicle inspection and floorplan inventory verification business in North America; and Monetrics, a technology leader in automated risk decisioning software and services for the consumer finance industry.

Armstrong joined World Omni in 2001 as vice president, business and product development. He was promoted to group vice president in 2002, and became senior vice president in 2004. Before joining the company, Armstrong served in leadership positions at Terion, Inc., Alamo Rent-A-Car, Inc. and NationsBank Corporation.

Armstrong received his master's degree in business administration from Georgia State University and his bachelor's degree in math and business from Wake Forest University. He and his wife, Lisa, have three children and live in Melbourne, Fla.

About JM Family Enterprises, Inc.
JM Family Enterprises is a $12.2 billion diversified automotive corporation with more than 4,700 associates. The company is ranked by Forbes magazine as the 23rd-largest privately held corporation in the United States. It is currently ranked No. 23 by FORTUNE as one of the 100 Best Companies to Work For, its 10th consecutive year on the list. The company is also ranked No. 7 on Computerworld's list of "100 Best Places to Work in IT." Headquartered in Deerfield Beach, Fla., the company has major operations in Jacksonville and Margate, Fla.; Commerce and Alpharetta, Ga.; Mobile, Ala.; and St. Louis, Mo. In addition to World Omni and its divisions, other major JM Family subsidiaries and divisions include Southeast Toyota Distributors, LLC, the world's largest independent distributor of Toyota and Scion vehicles; JM&A Group, one of the largest independent insurance and extended warranty groups of companies in the U.S.; JM Service Center LLC, the company's internal shared services center; JMsolutions, a dealer-focused technology products and services company; and JM Lexus, the largest volume Lexus dealership in the world.

As Chief Financial Officer of Capital One Auto Finance (COAF), Girish Bachani is part of the senior leadership team of the company's auto finance business, one of the largest in the nation. The business includes the multi-channel Direct-to-Consumer line of business and the Dealer line of business that serves auto dealers nationwide.

Mr. Bachani has been with Capital One Auto Finance since 2003 and has led several Treasury and Finance related projects, including working on integrating the company's acquisitions over the years.

Mr. Bachani joined Capital One in 2003 from American Airlines, a Fortune 500 company and one of the largest airlines in the world. In his nine years at American Airlines, he obtained invaluable experience in various functions including Treasury, Financial Planning and International Planning. Prior to American Airlines, he worked as an auditor for KPMG Peat Marwick.

Mr. Bachani completed his MBA from Rice University in 1994, building on his Masters degree in Accounting from Bombay University.

Michael A. Benoit is a partner in the Washington DC office of Hudson Cook, LLP. He advises banks, sales finance companies, auto leasing companies, mortgage lenders, auto dealers, and other creditors and technology providers on a wide range of consumer financial services law, including the Truth In Lending Act and Regulation Z, the Consumer Leasing Act and Regulation M, the Equal Credit Opportunity Act and Regulation B, the Fair Credit Reporting Act, the Gramm-Leach-Bliley Act, the Electronic Signatures in Global and National Commerce Act, the Uniform Electronic Transactions Act and the USA Patriot Act. In addition, his practice covers matters involving federal and state laws relating to electronic commerce and online lending, privacy, fair lending, telemarketing, personal and real property financing, and leasing and collection practices

James Carville is America's best-known political consultant. His long list of electoral successes evidences a knack for steering overlooked campaigns to unexpected landslide victories and for re-making political underdogs into upset winners.

Carville's winning streak began in 1986 when he managed the gubernatorial victory of Robert Casey in Pennsylvania. A loser in three previous attempts, dubbed the "Three-Time-Loss from Holy Cross" by the media, Casey defeated popular Lieutenant Governor William Scranton, Jr. in a remarkable come-from-behind win thanks to Carville. In 1987, Carville helped Wallace Wilkinson, who commanded less than 1% of the vote in the early polls, win a hard-fought gubernatorial campaign in Kentucky.

The following year brought Carville to New Jersey where he guided Frank Lautenberg's campaign for U.S. Senate to victory, defeating Rhodes Scholar and Heisman Trophy winner Pete Dawkins. Carville next managed the successful 1990 gubernatorial campaign of Georgia's Lieutenant Governor Zell Miller, including a tough primary win over Atlanta mayor Andrew Young.

In 1991, Carville-who had already become prominent in political circles-drew national attention when he led Senator Harris Wofford from 40 points behind in the polls to an upset landslide victory over former Pennsylvania Governor and U.S. Attorney General Richard Thornburgh. With the startling and unpredicted Wofford win, Carville exposed the political vulnerability of George Bush, who enjoyed 91% approval ratings during the Gulf War.

Having wounded the sitting President in 1991, Carville finished the job the following year when he guided William Jefferson Clinton to the Presidency in 1992. In 1993, Carville was honored as Campaign Manager of the Year by the American Association of Political Consultants for his leadership of Clinton's fearsome and intense "War Room" at campaign headquarters in Little Rock. Carville was also the focus, along with George Stephanopoulos, of the feature-length Academy Award nominated documentary The War Room.

After the Clinton victory, Carville began to focus on foreign consulting. Since that time, Carville's political clients have included the following: Greek Prime Minister Constantine Mitsotakis; Brazilian President Fernando Henrique Cardoso; Honduran Prime Minister Carlos Flores; President Jamil Mahuad of Ecuador; the Liberal Party of Canada; Sao Paolo Mayor Celso Pitta, Argentine Economic Minister Domingo Cavallo, Francisco Labastida of Mexico, Prime Minister of Trinidad and Tobago Basdeo Panday; Hipolito Meija of the Dominican Republic; and many others spread across the globe. In 1999, Carville led Ehud Barak to victory in his campaign to become the Prime Minister of Israel.

Tim Condon joined ACC Consumer Finance as President/CEO in December of 2005. Prior to joining ACC, he was Chief Financial Officer at Green Dot Corporation, the largest issuer of re-loadable prepaid MasterCard/Visa cards in retail stores. Mr. Condon was Chief Financial Officer for HSBC Automotive Finance (formerly Household) for eight years, and spent 14 years at Household in various financial management positions. In addition to his financial responsibilities at HSBC Automotive Finance, Mr. Condon managed various functions at different times including credit risk, data warehouse, technology, underwriting and asset recovery.

Mr. Condon is a member of the AICPA and is a former Chairman of the National Automotive Finance Association.

Douglas Greenhaus is the Director of Environment, Health & Safety in NADA's Legal and Regulatory Affairs Group. Representing dealer interests, Greenhaus actively practices before such federal agencies as the Environmental Protection Agency, the Department of Transportation and the Department of Labor. In addition, he advises and counsels association members and staff on federal regulatory matters, has authored numerous trade publication articles and association educational guides, and speaks frequently at industry engagements. Before joining NADA, Greenhaus worked as an associate counsel for the Massachusetts Energy Facilities Sitting Counsel and later as a staff attorney for the EPA in Washington, D.C. He holds a B.A. in political science and environmental studies from the University of Vermont and a J.D. from the National Law Center, George Washington University and is a member of the Massachusetts, District of Columbia and Virginia Bars.

George holds a BS in Physics from Penn State and an MS in Management from the University of Southern California. After graduating from Penn State, he accepted a commission in the U.S. Marine Corps. From there, he went to USC, and then joined Ford Credit in Dearborn, Michigan.

At Ford Credit, George served as Vice President of Global Strategic Planning where he directed strategy and planning, business intelligence, and business development and restructuring. He spearheaded an evolution toward a new business model focused on auto loan origination and servicing supported by innovative funding structures.

George managed seven Northern European financing operations from the Regional Headquarters in Amsterdam. As Executive Director of Ford Credit Europe, George centralized European marketing activities (previously conducted at country level) and developed a project management system now used worldwide at Ford and Ford Credit. He directly managed IT, marketing, education and training, insurance, project/program management, and full-service leasing. He also matrix managed all sales operations activities for 23 national markets.

Currently, George is the CEO of Omnibus Enterprises and remains continually engaged in consulting and management support activities for the auto finance industry. As the Auto Finance Program Manager for Benchmark Consulting International - an Associate Member of AFSA - he led the 2005 and 2006 Auto Finance BenchMark Studies and continues to lead numerous individual auto finance engagements. He is actively involved in the development and launch of the next generation of competitive business

George has been involved in leadership positions within AFSA for many years. He served as a member of AFSA's Executive Committee and Board of Directors and continues to serve on the AFSA Vehicle Finance Board.

He was a key driver in the development of the 2003 AFSA strategic plan that led to the association's increased fiscal health. He was a founding committee member of Americans Well-informed on Automobile Retailing Economics (AWARE) and helped to spearhead the AFSA initiative on standards for electronic contracting that resulted in the ANSI standard for the transfer of location of electronic contracts finalized this year.

He regularly presents at industry conferences and seminars, and serves on the planning committee that develops and leads the program for the AFSA Vehicle Finance Conference. In October 2008, George was awarded AFSA's highest honor, the Distinguished Service Award (DSA).

Executive Vice President, Federal Government Affairs
American Financial Services Association
Bill Himpler is the American Financial Services Association's (AFSA) Executive Vice President for Federal Affairs. Bill and his team have enhanced AFSA's presence in the political debate affecting a number of issues that impact member companies' ability to offer affordable credit options to American consumers. Bill came to AFSA from the U.S. Department of Housing and Urban Development where he headed the congressional relations office. Prior to joining HUD in 2002, Himpler was director of legislative affairs for Barbour Griffith & Rogers, Inc. and was tax counsel/legislative director for Rep. Jerry Weller (R-IL). He has also served as a senior legislative assistant with Rep. Charles Canady (R-FL) and was a policy analyst and press secretary for the House Republican Study Committee.

Chair and Managing Director, Sverson & Werson
Mark Kenney is Severson & Werson's Chair and Managing Director. He specializes in civil litigation, dispute resolution and business counseling. He has litigated and tried key class and public policy actions in state and Federal courts nationwide. These include AFSA v. City of Oakland, which he argued before the California Supreme Court. There, AFSA achieved a decisive turning point victory against a potentially disastrous nationwide trend of local ordinances purporting to regulate mortgage lending.

Mr. Kenney received his J.D. in 1978 from the New York University School of Law. He joined Severson in 1980 after clerking for the Honorable Richard P. Matsch, U.S. District Court, D. Colorado. He is licensed to practice in California, Colorado and Montana and admitted in numerous jurisdictions throughout the U.S.

Pete Kenning began his business career in 1971 as a broker with EF Hutton in New York. From 1971 to 1991 he worked in the investment business for several NYSE member firms focusing on fixed income and small cap financing. In 1991, Kenning co-founded the JansKen Group, Inc., to provide finance and strategic planning consulting serves to early stage companies in technology, retail, restaurant and manufacturing. Our clients included Miami Subs, Great American Restaurants, Tomatina Restaurants, Spire, Inc., Personal Computer Products, Inc., and CEDAR Document Technologies, Inc. (CEDAR). In 1996, he joined CEDAR's board and put together their initial investment group and became President in 2001 and CEO in 2004. During this tenure the company has attracted customers in the healthcare, automotive, insurance, financial services, banking and utility industries.

Since 1993, CEDAR has focused on improving the use and functionality of electronic documents to meet the evolving servicing requirements of what has become the "Un-Tethered Customer". Our Comprehensive Customers Communications Solutions are environmentally and economically "GREEN".

Andrew D. Koblenz is the National Automobile Dealers Association's vice president and general counsel. He directs the association's Legal and Regulatory Group, which represents NADA and dealer interests before federal agencies. Koblenz supervises a staff of six attorneys specializing in franchise and state law, corporate law and federal regulatory affairs. As NADA's assistant secretary, he prepares and maintains corporate records and the minutes of the board of directors meetings and supervises elections of NADA officers and directors.

Prior to his current position, Koblenz was vice president, industry affairs from June 2001 to February 2006, directing the activities of NADA's Industry Relations and Industry Analysis departments, as well as the association's American Truck Dealers Division.

Previously, he served as NADA's executive director and special counsel for industry affairs for two years, representing the interests of franchised automobile dealers in policy, operational and other discussions with vehicle manufacturers. In that role, he helped oversee the operations of the Industry Affairs Group and was a liaison to the association's communications, legal, regulatory and legislative departments.

Before joining NADA, Mr. Koblenz served for five years as a senior attorney with the American Automobile Manufacturers Association. There, he advised the association on a variety of issue areas including sales, credit, leasing, and finance law, product safety and liability, intellectual property and benefits and taxation.

From 1990 through 1994, Mr. Koblenz was a partner at the Washington, D.C. law firm of Richardson, Berlin & Morvillo where he specialized in corporate and securities matters.

Mr. Koblenz attended Union College in Schenectady, N.Y. and received his B.A. in political science, summa cum laude, in 1978. In 1981, he received his J.D., cum laude, from Harvard Law School. Mr. Koblenz is a member of Phi Beta Kappa and the American Law Institute.

The National Automobile Dealers Association, founded in 1917 and based in McLean, Va., represents more than 20,000 new car and truck dealers, holding over 43,000 separate franchises, both domestic and import.

Board of Directors - Virginia
Michael Martin, president of Dudley Martin Chevrolet, Manassas, Va., represents that state's franchised new-car dealers on the National Automobile Dealers Association.

Martin became a franchised dealer in 1954. He is currently on the association's Dealership Operations and Membership committees, as well as GM's Southeast region of the Industry Relations Committee. He is also a board member of the Virginia Automobile Dealers Association (VADA). Previously, Martin was chairman of VADA, a board member of the Washington Area North Carolina Dealers and a member and co-chair of the Virginia Motor Vehicle Dealer Board.

Active in the community, he is past chairman and board member of the Kiwanis of Bull Run.

Martin was nominated the Time Magazine State Dealer Award from VADA.

He resides in Bristow, Va., with his wife Patricia and they have one child.

The National Automobile Dealers Association, founded in 1917 and based in McLean, VA, represents more than 20,000 new car and truck dealers, holding over 43,000 separate franchises, both domestic and import.

Mary Matalin formerly served as assistant to President George W. Bush and counselor to Vice President Dick Cheney, and was the first White House official to hold that double title.

Before joining the Bush/Cheney White House, Matalin hosted CNN's critically acclaimed debate show, Crossfire. Mary Matalin is the former founding co-host of the Washington-based political weeknight talk show, Equal Time, which premiered in May 1993 on CNBC. She served as co-host until shortly after the 1996 national political conventions. Her political astuteness and antics contributed to the show's being called "the best talk show on television" by Knight Ridder News Service. Matalin's humor, straightforward discussion, and ability to discuss the hottest political issues in Washington helped to make the show one of the most talked about programs in the network's history.

Mary has made frequent television appearances as a political commentator, and has written for various periodicals including Newsweek and The Los Angeles Times. Matalin also co-authored the best-selling political campaign book All's Fair: Love, War and Running for President with her husband, James Carville, who was the chief campaign strategist for Clinton/Gore in 1992. The book was named one of the top 5 best books on Public Relations by the Wall Street Journal. Her most recent book, Letters to My Daughters (April 2004), was named a Book of the Month Club selection as well as made The New York Times and The Washington Post best-seller lists. Letters to my Daughters was also selected for a condensed version by Reader's Digest.

Matalin took her sharp wit and free-spirited political repartee to the airwaves during her own three-hour afternoon radio program on the CBS Talk Radio Network. The Mary Matalin Show highlighted current events, featured distinguished guests and listener calls. Talkers Magazine listed Matalin as one of The 100 Most Important Talk Show Hosts in America in 1996, 1997, and 1998. In addition, Talk Daily recognized The Mary Matalin Show with its Great Web Site Award. Matalin recently appeared, with Carville, on HBO's critically acclaimed series K-Street, about the world of powerful political consultants.

Matalin has been active in politics since college, starting at the grassroots level in local and statewide campaigns in her native Illinois. The Reagan Revolution brought her to Washington, DC where she served on the Republican National Committee.

After a hiatus from Washington to attend Hofstra Law School, Mary returned to the RNC in 1984, to serve as national voter contact director for the Reagan-Bush Campaign. She held senior positions in the George H. W. Bush 1988 campaign and, upon President Bush's election, was appointed chief of staff for the RNC.

In 1992, President Bush named her the deputy campaign manager for political operations. As deputy campaign manager, she was responsible for the overview and organization of all 50 state operations. As the on-board planner who traveled with President Bush throughout the 1992 campaign, she emerged as the vocal, and occasionally controversial, defender of the president and his policies. Mary Matalin now runs Threshold, a new conservative publishing imprint at Simon & Schuster. She also serves as Vice President of the Washington Humane Society and is a board member of the Cheney Cardiovascular Institute. In addition she sits on the Editorial Board of Campaigns and Elections Magazine, which features up to date campaign information, the latest news about political consultants and the business and trends in the industry.

Mary and her husband, James Carville, reside in New Orleans with their daughters, Matalin "Matty" Carville and Emerson "Emma" Carville.

Dennis McCuistion is a former bank CEO who consults with financial institutions and other businesses on top management issues. He facilitates strategic planning sessions, offers advice on boards and leadership issues and serves on the board and audit committees of two NYSE companies.

Dennis is the author of The Prevention and Collection of Problem Loans, and co-author of Selling Strategies for Today's Banker: A Survival Guide for Tomorrow and The Seven Challenges Facing Bankers in the Future…and How to Meet Them.

He is the host and executive producer of the award winning McCUISTION television program on PBS, syndicated weekly throughout the U.S. The McCUISTION Program provides an intellectually stimulating and objective forum of ideas, always "Talking About Things That Matter With People Who Care."

John P. McEleney is a life-long resident of Clinton, Iowa located along the Mississippi River. After receiving a degree in Business Administration from the University of Notre Dame, he joined the McEleney automotive organization and has served in numerous operational capacities. Mr. McEleney became dealer operator of the General Motors dealership in 1976 at age 24 and is currently President of McEleney Autocenter, Inc., Clinton, Iowa and McEleney Autoplex, Inc., Iowa City, Iowa. The franchises held by these organizations include Chevrolet, Buick, Pontiac, GMC, Cadillac, Toyota and Hyundai.

McEleney has served on numerous civic boards including Trustee and Vice Chairman of Mt. St. Clare College, Director of Citizen's First Bank, Director of Paul B. Sharar Foundation of Clinton Community College and past President of Clinton Rotary Club. In addition, McEleney is a past chariman of the Iowa Automobile Dealers Association and he has served on numerous National Dealer Councils for General Motors and Chrysler, including a term as the Chairman of the Pontiac National Dealer Council, and service on the GM Policy Board. In 2003 McEleney was elected to the NADA Board of Directors representing the State of Iowa. His NADA activities have included the following:

As one of Constructive Culture’s founders with over 30 years experience working with large and medium sized organizations, Buz brings a wealth of experience to the company’s focus areas of culture transformation and individual and leadership development.

"I’ve worked in medium-sized and very large organizations where the culture started out highly constructive and deteriorated until both business performance and customer service suffered, so I’ve seen both sides. I can attest that working in organizations with great cultures and effective leadership is both much more rewarding and a lot more fun. Many people have the mistaken impression that organizations with positive cultures are too "soft" to be successful. In fact, both research and experience show that there is greater accountability for results in these types of organizations."

Known for his abilities to develop high performance teams in the technology industry, Buz has developed innovative frameworks to assist clients in maximizing their results through development of effective leaders and constructive cultures. Buz is a thought leader for The Pacific Institute® (TPI) and certified in all culture assessment and leadership development tools from TPI, The Leadership Circle^® and Human Synergistics International^®.

"We gain our greatest satisfaction from seeing individuals and organizations "light up" as we work with them. People gain much greater balance and satisfaction in their lives while performing more effectively at work. Organizations gain agility, improved results and more adaptive, goal oriented cultures. A special focus for us is youth. When you put the high performance thinking abilities offered by The Pacific Institute in the hands of our youth, we add great hope for our future. Combine optimized culture in education with high performance students and we have a real opportunity to impact the outcomes of our educational system."

Prior to co-founding Constructive Cultures and affiliating with The Pacific Institute, Buz spent more than thirteen years on the Sales Leadership Team of Gartner, Inc., an international information technology research, advisory services and consulting firm where he led the development of both large commercial and public sector sales teams. He also spent seven years with the IBM Corporation in Large Systems Sales & Marketing and led a regional launch team for IBM Credit Corporation.

Buz’s wife of 36 years, Kimberly, is the co-founder of Constructive Cultures, a Project Director for The Pacific Institute and certified consultant for The Leadership Circle. He sits on the Board of Advisors for Dream House for Medically Fragile Children in Atlanta as well as the media technology firm M3, headquartered in Seattle.

Robert is responsible for ensuring that his firm's risk management capabilities are aligned with its strategic business objectives. Robert identifies the appropriate analytical approaches to address client needs, and brings extensive credit knowledge and operational experience to FirstCity Fund Advisors.

Prior to joining FirstCity in June 2008, Mr. Micalizzi was a Director, Principal Investments at Merrill Lynch where he was involved in the purchase of a variety of assets totaling more than $11bn. During his five years at Merrill Lynch, Robert was responsible for data and credit risk management, infrastructure development, portfolio analysis and servicing relationships. Additionally, he managed the development of whole-loan and flow purchase infrastructure including an intranet-based asset data management and reporting system.

Prior to joining Merrill Lynch, Mr. Micalizzi was Director of Credit Extension and Risk Management of CarMax Auto Finance. While at CarMax, Robert managed business units involved in originations, yield management, credit policy development, portfolio risk management, portfolio analysis, loss forecasting, data management and reporting, Robert was directly responsible for the development of risk-based pricing strategies utilized for asset acquisition. Additionally, Robert played a key sell-side role in six public Asset Backed Securitization transactions totaling almost $3.5B, including CarMax's inaugural transaction.

Robert has more than 18 years experience in all aspects of asset origination and valuation, including pricing, risk management, MIS development, servicing, collections and business modeling. Mr. Micalizzi received his B.B.A. in Banking and Finance from Hofstra University, and has held both Series 7 and Series 63 certifications.

Mark F. O'Neil has served as Chief Executive Officer and a Director of DealerTrack since he was recruited in February 2001. In June of 2005, Mr. O'Neil was appointed as Chairman of the Board. Mr. O'Neil began his career at Intel Corporation, where he first developed knowledge of the technology industry. He subsequently worked for McKinsey & Co. before moving to the automotive industry in the late 1980's. His experience in the automotive industry includes serving as President of Ertley MotorWorld, a 19-franchise car dealer in Northeast Pennsylvania. From this traditional retail dealership, Mr. O'Neil went on to co-found and lead the development and rollout of CarMax, the original and revolutionary used car auto superstore concept. After a brief experience at an automotive dot com, Mr. O'Neil joined DealerTrack. Mr. O'Neil holds a BS in Industrial Engineering from WPI and an MBA from Harvard Business School.

Wayne Pollack is Vice President of Consumer Operations for Harley-Davidson Financial Services (HDFS), a wholly-owned subsidiary of Harley-Davidson, Inc. HDFS offers consumer finance and insurance products to buyers of Harley products and provides floor plan financing and certain commercial loans to Harley and Buell dealerships. Consumer Operations supports the origination and servicing of all HDFS lending products and services in the United States and Canada. Prior to joining Harley, he was the Senior Vice President of Strategic Operations for Washington Mutual Bank where he served for twenty-three years through Washington Mutual Bank and its predecessor companies.

Wayne has over twenty-five years of experience in the financial services industry. He was Vice president of Mortgage Operations for Sears Mortgage Corporation, which was purchased by PNC Bank, at which time he became Senior Vice President of Operations for PNC Mortgage Corporation, and then upon its purchase by Washington Mutual Bank, became Senior Vice President of Operations for Washington Mutual Home Mortgage.

He holds a Bachelor of Science degree in Finance from Eastern Illinois University.

Senior Vice President And Chief Marketing Officer
Kim Pulliam serves as Senior Vice President and Chief Marketing Officer for CitiFinancial Auto. She is responsible for leading the company's strategic business development, marketing, direct lending, decision science and communication initiatives.

Pulliam joined CitiFinancial Auto from AmeriCredit Corp., most recently as Executive Vice President of Strategy and Marketing where she led AmeriCredit's research and profitability analytics, business and product development and strategic planning efforts. She began her career with AmeriCredit in 1997 as Assistant Vice President, Investor Relations and held numerous executive roles spanning marketing, strategy, investor relations, communications and operations. Prior to AmeriCredit, Pulliam was a commercial lender with Wells Fargo Bank (formerly First Interstate Bank) of Fort Worth.

Pulliam serves as Treasurer and is a member of the Board of Directors for Kid World, a nonprofit children's museum. Previously, she was a member of the Board of Directors of the Fort Worth Chamber of Commerce and served as Secretary of the Fort Worth Chapter of the Young Bankers' Association.

Pulliam earned a Bachelor of Business Administration in Finance from Texas A&M University.

Brian Reed has over 25 years of experience in the auto finance industry working in both the indirect and direct channels, across the full credit spectrum. Brian was the first employee and Managing Director of debis Financial Services and CEO of the Internet lending company giggo.com - both Daimler Benz owned entities.

In 2000, giggo.com merged with PeopleFirst.com to become the nation's largest automotive financial services company where Brian served as President. In October of 2001, Capital One purchased PeopleFirst and Brian had responsibility for the automotive direct lending business of Capital One Auto Finance. In 2006 Brian was the Founding CEO of Pricelock, Inc. which provides protection for consumers and commercial customers around volatile gasoline prices including supporting the Chrysler "Let's Refuel America" program this past year.

Brian is currently CEO of Intersection Technologies which has developed software that automates the contracting of aftermarket products for dealers. He is also acts as an Advisor/Director to a number of early stage companies including Fourth Fleet, FinCo Management and Automoti.com. In 2005, Brian was named a "Pioneer of the Internet" by JD Powers based on his contributions in the development of products on the Internet in the automotive finance space.

Chris Stinebert is president and chief executive officer of the American Financial Services Association (AFSA), a national, Washington, D.C.-based trade association representing 350 financial services firms and their 10,000 branch offices. These member companies provide over $360 billion in credit to consumers and small businesses each year. Founded in 1916, AFSA has a broad membership, including mortgage & home equity lenders, vehicle finance, credit card issuers, and consumer finance providers. Although diverse, AFSA's membership is united by its goal of serving the credit needs of consumers and businesses.

The financial services industry is highly regulated at both the federal and state levels. Therefore, government affairs and advocacy—legislative, regulatory and judicial—are major association activities. AFSA also focuses on professional development through conferences & expositions, investor forums, and management development programs at the University of North Carolina and Marquette University.

Mr. Stinebert joined AFSA on November 1, 2006. Previously he served as president and chief executive officer of the Arlington, VA-based Manufactured Housing Institute (MHI), which represents the interests of manufacturers, lenders, and communities that produce, sell, finance and purchase factory built homes. Prior to joining MHI in 1998, he was president and chief executive officer of the National Concrete Masonry Association (NCMA) based in Herndon, VA.

Mr. Stinebert has 30 years of knowledge and experience in managing national trade associations with key highlights in government affairs and advocacy; strategic planning and implementation; technical standards and regulations; and economic and statistical data collection.

A graduate of Randolph-Macon College in Ashland, VA, Mr. Stinebert currently serves on the U.S. Chamber of Commerce's Committee of 100 which is comprised of 100 CEOs of leading trade associations.

Steve Smith began his career at American Honda Finance in 1985 serving in various managerial positions including senior manager, retail finance and leasing, assistant vice president, retail finance and leasing, and vice president, retail finance. In 2001, he was promoted to Senior Vice President, Financial Services.

Mr. Smith received his Bachelor of Arts degree in 1971 and MBA in 1979 from California State University at Northridge.

American Honda Finance Corp. is a wholly owned subsidiary of American Honda Motor Co., Inc., the sole authorized distributor of Honda and Acura motor vehicles, Honda motorcycles, Honda power equipment and Honda and Acura parts and accessories in the United States. American Honda Motor Co., Inc., is a wholly owned subsidiary of Honda Motor Co., Ltd., a Japanese corporation which is a worldwide manufacturer and distributor of motor vehicles and power equipment.

Edward C. "Ed" Tonkin, vice president of Ron Tonkin Dealerships, Portland, Oregon, represents Oregon's franchised new-car dealers on the association's board of directors.

A new car-dealer since 1981, Tonkin became a member of the National Automobile Dealers Association in 1981. He is currently the association's chairman of the Regulatory Affairs Committee and Hyundai chairman for the Industry Relations Committee. He is also co-chair for the Oregon Automobile Dealers Association's Workers Compensation Committee. Previously, Tonkin was a member of NADA Project 2000 from 1996 through 1997, past president, vice president and secretary for the Oregon Automobile Dealers Association from 1990 through 1993. He has held positions such as past president, vice president and secretary for the Metropolitan Portland Automobile Dealers Association from 1987 through 1990. Tonkin also served on the Oregon Attorney General's Motor Vehicle Task Force.

Active in his community, Tonkin has served as volunteer for the Start Making a Reader Today Organization from 1998 through 1999, board member of the Temple Beth Israel Congregation from 1995 through 2000. He served as a board member of the Portland Metropolitan Sports Authority from 1995 through 2000. He currently serves as a board member for Metropolitan Family Service and has been active on their board since 1997.

Gil is the principal of gvo3 & Associates, a nationally recognized compliance audit, training and review firm. Gil works with dealerships around the country in providing F&I and Sales compliance and is a frequent speaker to industry groups. Gil also provides expert witness services on behalf of automotive retailers.

Prior to forming gvo3 & Associates, Gil was the Chief Operating Officer for Premier Auto Finance, a management company that managed auto finance portfolios for dealer groups. He also held various staff and operating positions with Ford Motor Credit Company, including a stint as a Branch Manager in Chicago, Illinois.

Gil is an Association of Finance and Insurance Professionals certified mentor and an associate member of the National Association of Dealer Counsel.

Gil is a frequent writer and is published monthly in Dealer Magazine, writes a weekly Compliance Corner column for Dealer Magazine's e-newsletter and a periodic contributor to Dixon Hughes' Strategic Dealer newsletter. Further information available at www.gvo3.com

Marguerite Watanabe's experience as an auto finance industry professional spans nearly twenty years. She formed Connections Insights, to focus on strategic partnering between auto finance service providers, captives, banks, independent auto finance companies and credit unions. Previously, she served as the auto finance practice manager at BenchMark Consulting International, where she helped auto finance clients improve profitability through the delivery of management decision making information and change management services. Marguerite's core focus at BenchMark was strategic relationship management.

Prior to BenchMark, she was senior vice president of business development at Bar None. Her responsibilities included establishing strategic alliances with industry partners, identifying and growing new distribution channels and working with the sales teams on execution.

Marguerite also garnered industry experience as senior vice president for Equifax, where she managed the sales division responsible for the finance and dealer customers in the automotive industry. She also served as vice president for business development participating in new product development and market analysis.

Prior to Equifax, Marguerite was employed at Nissan North America and Nissan Motor Acceptance Corporation for ten years in a variety of marketing and product development positions in Japan and the United States.

Marguerite is a graduate of the University of California, Berkeley, with a Bachelor of Arts degree in political science/economics. She has a master's degree in business administration from Pepperdine University.

Currently, Marguerite serves on AFSA's Board of Directors and Vehicle Finance Board. She is also the chair of AFSA's Associate Member Advisory board. In 2007, Marguerite was awarded AFSA's Distinguished Service Award (DSA). In addition, she is on the Board of Directors of the National Auto Finance Association (NAF) and is a member of the Consumer Bankers Association (CBA). She also sits on two other private companies' board of advisors.

Ms. Webb is Chief Operating Officer and Co-Founder of Innovate Auto Solutions. Ms. Webb is an auto finance executive with specific emphasis on auto originations management, business development, marketing, and managing partner relations. Her expertise is in the targeting and developing of business opportunities that generate high profitability and growth in auto finance originations.

Ms. Webb worked as Business Development and Marketing executive at AmeriCredit Corporation where she developed some of the most successful strategic alliances in the industry with banks, captives, major dealer groups and manufacturers.

Previously, Ms. Webb held a Vice President position with WFS Financial where she was instrumental in starting up operations in Texas. She opened the first full service branch and successfully introduced the WFS brand and finance products to Texas automotive dealers.

Ms. Webb came up through the ranks at GMAC. She held numerous management positions during her tenure there; including credit originations, collections, and sales. She also managed every aspect of dealer relationship accounts; including wholesale floor plan, dealer inventory management, real estate, and working capital loans.

As head of Capital One Auto Finance (COAF), Sanjiv Yajnik leads the company's auto finance business, one of the largest in the nation. The business includes the multi-channel Direct-to-Consumer line of business and the Dealer line of business that serves auto dealers nationwide.

Before joining COAF, Mr. Yajnik served as the Executive Vice President and Principal Managing Director of Capital One Europe, where he was responsible for the strategic direction, marketing, operations and financial performance of the company's European segment.

Prior to his UK role, Mr. Yajnik led Capital One's Small Business Services line of business and Capital One Canada. His teams grew the businesses significantly during his years of leadership to position Capital One as one of the largest small business lenders in the U.S., and as a leading credit card business in Canada. Prior to this, he served as Director of Credit Risk Management for Capital One.

Mr. Yajnik joined Capital One in 1998 from Circuit City, a Fortune 500 company and one of the nation's leading providers of consumer electronics. Prior to Circuit City, he obtained invaluable retail experience working for PepsiCo, one of the world's largest food and beverage companies.

Mr. Yajnik completed the Executive Management Program from Stanford University in 2003, building on his MBA from the University of Western Ontario.