Speakers

Richard Apicella

Rich has more than 25 years of experience in the automotive and financial services industries. Currently, Rich is the Auto Finance Practice Executive for BenchMark Consulting International, a leading provider of insight to the financial services sector. Previously, Rich was a partner at Deloitte Consulting, where he led the firm's automotive retail practice. Rich has worked with all of the leading automotive Manufacturers and captive finance companies, as well as with various banks, finance companies and automotive megadealers. Rich has also held leadership positions with Capital One Auto Finance, Hewlett-Packard and IBM Corporation.

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Gregory Arroyo

Gregory Arroyo serves as executive editor for F&I Management and Technology magazine. Mr. Arroyo's eight-year career as a journalist also includes a three-year stint with Mobile Electronics magazine, another Bobit Business Media publication covering the mobile electronics aftermarket. He also served as a reporter for the Los Angeles Times, and was part of the inaugural team that launched the newspaper's community newspaper program in Los Angeles. Mr. Arroyo has also served as a publicist and marketer for several consumer electronics companies, and helped lead two consumer-awareness campaigns for the Consumer Electronics Association's Mobile Electronics Division. He can be reached at gregory.arroyo@bobit.com.

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Michael E. Bannister

Mike Bannister is chairman and chief executive officer of Ford Motor Credit Company and is responsible for all operations of Ford Motor Credit worldwide. He is also an executive vice president of the Ford Motor Company, elevated from group vice president in September 2007.

Bannister was previously president and chief operating officer of Ford Motor Credit, with global responsibility for all sales and marketing functions, service centers, quality, customer satisfaction, process management and insurance operations.

He has also served as president of Ford Financial International where he led the company's operations in Asia-Pacific, Europe and Latin America. Before that, he served as chairman, Ford Financial Europe.

Bannister joined Ford Motor Credit in 1973 and has held a number of branch and regional management operating positions in North America. He also served as vice president of Marketing in North America and executive director, European Sales Operations.

Bannister earned a bachelor's degree in business administration from the University of Memphis.

Ford Motor Credit Company LLC is one of the world's largest automotive finance companies and has supported the sale of Ford products since 1959. Ford Motor Credit operates in 36 countries with about 13,000 employees. Ford Motor Credit is an indirect, wholly owned subsidiary of Ford Motor Company. It provides automotive financing for Ford, Lincoln, Mercury, Jaguar, Land Rover, Mazda and Volvo dealers and customers. More information may be found at http://www.fordcredit.com and at Ford Motor Credit's investor center, http://www.fordcredit.com/investorcenter/

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Michael Benoit

Partner
Hudson Cook, LLP
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

Mavent Inc., Irvine, California, 2005 - 2006. Executive Vice President, Chief Legal Officer, Corporate Secretary.

Benesch, Friedlander, Coplan & Aronoff, LLP, Cleveland, Ohio, 1993-1997.

Professional Musician, 1978 - 1990.

Education

Case Western Reserve University School of Law, J.D., Cum Laude, 1993.

The University of Michigan, Master of Music, 1987.

University of Miami, Bachelor of Music, Magna Cum Laude, 1984.

Ohio State Bar (admitted 1993); District of Columbia Bar (admitted 2004).

Member, American Bar Association, Section of Business Law, Consumer Financial Services Committee.

Member, American Bar Association, Section of Business Law, Cyberspace Law Committee.

Member, American Financial Services Association, State Governmental Affairs Committee and E-Commerce Committee.

Charter member, American National Standards Institute X9 E-Contracting Standards Task Force.

Member, Executive Committee, Mortgage Bankers Association, Alt-A and Nonprime Council.

Member, Ohio State Bar Association, Bankruptcy, Banking and Commercial Law Committee; Consumer Credit Subcommittee.

Past Director, National Home Equity, Mortgage Association.

Past Chair, National Home Equity Mortgage Association, Business Technology Committee.

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Daniel Berce

Dan Berce has been President and Chief Executive Officer of AmeriCredit Corp. since August 2005. Prior to that, Mr. Berce served as President of AmeriCredit Corp. from April 2003 to August 2005. He was previously Vice Chairman and Chief Financial Officer from November 1996 until April 2003, Executive Vice President, Chief Financial Officer and Treasurer from November 1994 until November 1996 and Vice President, Chief Financial Officer and Treasurer from May 1990 until November 1994. He is also a member of the company's Board of Directors

Prior to joining AmeriCredit, he was a partner with Cooper & Lybrand and was with the firm for 14 years. Mr. Berce is a Certified Public Accountant and is a graduate of Regis University in Denver. www.americredit.com

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George E. Borst

George Borst is President and Chief Executive Officer of Toyota Financial Services (TFS), overseeing all operational and financial activities in the Americas region.

Borst began his career with Toyota in 1985 as Corporate Marketing Manager. Since then, he has held a number of management positions at Toyota Motor Sales, Inc., including Group Vice President and General Manager of the Lexus Division and Group Vice President, Corporate Strategy and Planning. Most recently, Borst served as Senior Vice President of Toyota Financial Services.

Prior to joining Toyota, Borst had a 15-year career with the Chevrolet Division of General Motors in various management positions.

Born in Hollis, N.Y., Borst earned a Bachelor of Science degree in economics from Mount St. Mary's College in Emmitsburg, Md., and a Masters in Business Administration from the University of Nebraska.

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Bobbie Britting

Senior Analyst, Consumer Lending
TowerGroup

Bobbie Britting is a Senior Analyst in the Consumer Lending service at TowerGroup, covering home equity, student, and auto lending. Her expertise, acquired during a 19-year career in financial services, includes product development, marketing, internet lending, and partnership management.

She observes: "Lenders need to create a fully integrated, cohesive strategic plan encompassing all aspects of the loan process from marketing and originations to life of loan servicing and portfolio management. That plan must embrace technology as a means to enhance business profitability as well as to comply with changing regulations. Nimble players with the willingness to produce a comprehensive game plan will emerge victorious."

Prior to joining TowerGroup, Bobbie held management positions at several leading financial services companies, most recently as vice president, Lender Services, at Ellie Mae, a leading provider of mortgage broker software and connectivity. At Wells Fargo Consumer Credit, she led the Home Equity Product Development team, including redefining the home equity product set during the Wells Fargo/Norwest merger. She also launched the first home equity instant online decision technology, managed Internet and other partnerships, and integrated marketing activities. She was marketing operations manager at Fair, Isaac, Co., and spent nine years at Citicorp, including serving as vice president, CitiGold, five years with The Student Loan Corp., and in marketing consumer lending products.

Bobbie received her MBA from University of Rochester, Simon Graduate School of Business, and a bachelor's degree in business and sociology from State University of New York at Plattsbugh. She also completed executive development work at the University of Michigan during her tenure with Fair, Isaac.

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Ed Brown

Group Vice President
World Omni Financial Corp
Ed is responsible for the operations of World Omni and its third-party servicing business, CenterOne Financial Services LLC. Operations include the servicing of retail loan, lease and commercial in outstanding auto finance assets for Southeast Toyota Finance and CenterOne's third party clients. Service center operations are located in Mobile, AL, St. Louis, MO and Minneapolis, MN. The nation wide vehicle remarketing operation is headquartered in Deerfield Beach, FL.

Ed joined World Omni in March 2003 from SunTrust Bank's Strategic Planning/Corporate Strategies Group. He has diverse experience in Fortune 50 and entrepreneurial consumer product and financial services companies. Ed has held senior management positions with SunTrust Bank, Bank of Hawaii, PepsiCo, Texaco, Ocwen Financial Corp. and start-up ventures.

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Brent Burns

Brent Burns is president of World Omni Financial Corp. (World Omni) and executive vice president of its parent company JM Family Enterprises, Inc. (JM Family). Burns 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. He also serves as a member of JM Family's Executive Management Team, which oversees the development and implementation of the company's long-range planning and strategies for future growth.

World Omni Financial Corp. 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. Burns 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 audit business in North America; and Monetrics, the technology leader in automated risk decisioning software and services for the consumer finance industry.

Prior to his current position, Burns served as vice president, Office of the Web, for JM Family. When he joined the company in 2000, he brought 20 years of experience in the automotive financial arena. Burns previously was executive vice president of RMS Networks, Inc.; vice president and chief financial officer of AutoNation Financial Services, Inc.; senior vice president of Revenue and Fleet Management, vice president of Strategic Planning and treasurer for Alamo Rent-A-Car, Inc.; and was a senior manager and certified public accountant for KPMG Peat Marwick.

Burns graduated from Florida Atlantic University with a bachelor's degree in business administration. He is a member of the Florida Institute of Certified Public Accountants (FICPA) and the American Institute of Certified Public Accountants (AICPA). He and his wife, Tammy, have two children and live in Sea Ranch Lakes, Fla.

JM Family Enterprises is an $11.1 billion diversified automotive corporation with more than 4,600 associates. The company is ranked by Forbes magazine as the 18th-largest privately held corporation in the United States. It is currently ranked by FORTUNE as one of the 100 Best Companies to Work For, its ninth consecutive year on the list. It has also appeared on the InformationWeek 500 list of leading technology innovators for five consecutive years [2007-2003]. 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.

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Donna V. Cheesebrough

Vice President and Chief Information Officer, North American Operations
GMAC Financial Services
Donna V. Cheesebrough was appointed vice president and chief information officer for GMAC's North American Operations in August 2001. She is responsible for all aspects of information technology delivery and operations support for GMAC's Automotive Finance business.

Cheesebrough joined GMAC in October 2000 as vice president of e-commerce for GMAC where she was responsible for the strategic alignment and implementation of e-commerce solutions in support of GMAC's business.

Cheesebrough has over 25 years Information Technology Management experience in the financial services, manufacturing and retail industries. She has held various positions at The CIT Group (Newcourt Financial Services & AT&T Capital), Ernst & Young, Honeywell Inc. and U.S. Shoe Corporation.

Born in Los Angeles, California, Cheesebrough earned a bachelor of arts degree in 1983 from the University of South Florida and received a master's degree in business administration in 1986. She has earned several professional certifications including C.D.P., C.P.I.M and F.L.M.I.

Cheesebrough is an active board member for Route One, a joint venture created by GMAC and other captive finance companies. She resides on the board for the Great Lakes Chamber Music Festival, a local arts organization and is also a trustee for the Michigan Opera Theatre.

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Kenneth T. Clark

Capital Markets & Business Development Executive
Dealer Financial Services
Ken Clark is the Capital Markets & Business Development executive for Bank of America Dealer Financial Services, which provides comprehensive financial services to the automobile, recreational vehicle, motorcycle, marine and personal aircraft industries throughout the United States. Clark joined Bank of America in 2003 as a national accounts executive. He was promoted to business development executive in 2005 and assumed his current role in November 2007. Before joining Bank of America, Clark spent 20 years with Ford Motor Credit Company as a vice president at its headquarters in Dearborn, Michigan. He held leadership positions in marketing, operations, consumer and fleet leasing, sales and national accounts. Clark also earned international experience while serving as an executive vice president of Hertz Leasing International, where he was responsible for acquisitions, franchise development and setting up operations in new markets. He holds a bachelor’s degree in business administration from the University of New Mexico and an MBA from the University of Detroit. Over his career, Clark’s community involvement has included the United Way and Junior Achievement.

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Maureen E. Clinesmith

Senior Manager - Business Development
DaimlerChrysler Financial Services Americas LLC
Maureen E. Clinesmith was appointed Senior Manager - Business Development for DaimlerChrysler Financial Services North America LLC in August 2006. Prior to her position, she was Senior Manager - Business Strategy and Project Management since March 2002. She reports to Klaus Entenmann, CEO, Daimler Financial Services Americas. In her current position, she is responsible for key enterprise initiatives including Ready 10-1-10 (new system landscape), and Day X system separation from Chrysler Financial. Clinesmith joined DaimlerChrysler Corporation in July 1994 as a member of the Chrysler Group Advanced Degree Development program in Finance.

Her work and academic background includes:
DaimlerChrysler Financial Services Americas LLC

• Senior Manager - Business Development, August 2006
• Senior Manager - Business Strategy & Project Management, March 2002
• Senior Manager - Business Strategy, June 2001 Chrysler Group
• Manager - Financial Reporting - Global Service Operations, Chrysler Group May 2000
• Team Leader - Corporate Financial Analysis Strategic & Operation Planning, February 1999
• Senior Analyst - Corporate Financial Analysis Business Plan Group, February 1998
• Senior Analyst - Corporate Financial Analysis Forecast Group, July 1997
• Budget Analyst - Sterling Stamping Plant, July 1996
• Senior Analyst - Investor Relations, July 1995
• Financial Analyst - Procurement & Supply Finance, July 1994 Academic History
• MBA - Finance, University of Detroit/Mercy, May 1994
• B.A. - Economics, University of Michigan, May 1980
• Certified Management Accountant

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Shaun Coyne

Vice President - Chief Information Officer
Toyota Financial Services
Shaun Coyne is Vice President - Chief Information Officer, for Toyota Financial Services (TFS). Coyne is responsible for the Business Technology and Information Systems groups that support TFS, as well as the company's future technology initiatives. He joined TFS in January 2002. Prior to joining Toyota, Coyne held several executive positions at General Electric, including Chief Technology Officer of GE Capital Real Estate and Vice President, Information Technology for GE Global Consumer Finance. Coyne has also worked at Chase Manhattan Bank and Citicorp/Citibank. Coyne received a Bachelor of Science degree in Computer Information Systems and Marketing from Manhattan College in NY.

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Dan DeChristopher

Dan has over 25 years experience in the Automotive and Powersports finance industry, having held various senior management positions with bank and captive lending institutions. He is currently Vice President - Sales Operations for BMW Financial Services NA. In this role, Dan is responsible for all Financial Services retail and wholesale sales activities for the BMW, MINI, Rolls-Royce Motor Cars and BMW Motorcycle brands in the U.S. Dan joined BMW FS in 1996 as National Collection Manager and has held several positions with the organization, including General Manager - Retailer Credit Services and General Manager Sales and Marketing - BMW Motorrad USA.

Prior to joining BMW, Dan was Director of Credit and Collection Operations for Harley-Davidson Financial Services. Prior experience includes various sales and operations positions with Nissan Motor Acceptance Corporation, Security Pacific Auto Finance and Citicorp Acceptance Corporation.

Dan earned his Bachelor of Business Administration degree from Eastern Michigan University in Ypsilanti, MI and his Masters of Business Administration degree from Fordham University in New York, NY.

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Bev Devine

Bev Devine has more than 25 years experience in the development and operation of outsourced administrative services for the financial services industry. She is viewed within the industry as an expert in the title and registration requirements of lenders and lessors and has worked closely with the states to develop automated title and registration solutions. Bev has been with triVIN since 1998.

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Danielle Fagre

Senior Vice President, State Government Affairs
American Financial Services Association
Danielle Fagre Arlowe is Senior Vice President of State Government Affairs for the American Financial Services Association (AFSA), the national trade association for the consumer credit and finance industry. Founded in 1916, AFSA's nearly 400 active member companies, which account for approximately $350 billion in outstanding consumer receivables, include auto finance companies, credit card issuers, mortgage lenders, and large and small consumer finance companies. Prior to joining AFSA in late 2003, Ms. Fagre was Director of Government Affairs and Legislative Counsel for credit card issuer Metris Companies in Minnesota, where she developed and executed the company's legislative and regulatory strategy, its new law compliance program and oversaw its Political Action Committee.

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Bruce Goetsch

Lithia Motors
Director, Finance & Insurance Administration
Bruce has more than 20 years of experience in the automotive services industry. Bruce joined Lithia Motors in 1995 as a General Sales Manager for the small Southern Oregon based company; in 1996 he assumed the position of Director of Finance & Insurance Administration for the company and for the past 12 years has overseen F&I Operations. Over the past 7 years Bruce has developed and maintained the lender alliance relationships with national retail finance partners. Mr. Goetsch is a member of the Association of Finance & Insurance Professionals and is a member of the Lithia Internal Compliance Committee. Lithia Motors has grown into a Fortune 700 company selling 30 brands of new and all brands of used vehicles at 108 stores within 15 states.

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Donald S. Gottwald

Executive Vice President - Indirect Marketing, Product Management and Sales
Don is the EVP of Indirect Marketing, Product Management and Sales for HSBC Auto Finance (HAF). In this position, he has profit and loss responsibility for HSBC's Indirect Dealer Business, including channel strategy, product development, pricing, marketing and sales. His team consists of approximately 200 employees located across the United States. Don joined HAF in December 2005 as EVP Indirect Marketing and Product Management. He added responsibility for Indirect Sales in August 2007. Prior to joining HAF, Don spent twelve years at General Motors Acceptance Corporation (GMAC), where he held progressively more responsible roles in dealer development, sales, operations, and commercial lending. At Nuvell Credit, GMAC's non-prime company, he served as senior vice president of Marketing. In 2001, Don became Managing Director of GMAC's private label finance company subsidiaries, Saab Financial Services Corp. and American Suzuki Financial Services. Don currently serves as Chair of the American Financial Services Association's Vehicle Finance Advisory Board and is a member of Northwood University's Automotive Marketing Curriculum Advisory Board. Don is active in the San Diego community as a youth sports coach and in Junior Achievement. Don has an MBA from Duke University's Fuqua School of Business and a BBA in Management with a minor in Economics from Northwood University.

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George Halloran

George Halloran is an auto finance industry professional with broad and deep leadership and management experience in automotive and related financial services - an energetic leader of high-performance teams that regularly deliver exceptional results. He has over thirty years of hands-on operational as well as executive management experience across the entire auto financing enterprise spectrum including field operations, strategy and planning, finance, marketing, risk management and IT. Halloran has extensive international experience and in-depth knowledge of origination, servicing and funding processes. He has strong communication skills and a distinguished record of creating environments for others to excel.

Halloran is a former Executive Board Member of the American Financial Services Association and has served as an active member of the Financial Services Roundtable, the Corporate Strategy Board and the UK Association of Directors. He speaks several languages and has professional instructional experience through the university level in English, Mathematics, Marketing and Business Management. He has developed several business and university courses and has conducted numerous business seminars and workshops. He holds a BS in Physics from Penn State and an MS in Management from the University of Southern California.

He recently formed Connections Insights, a company focused on the strategic partnering between auto finance service providers and the finance sources including captives, banks, independent auto finance companies and credit unions. Plans are also underway to develop an online subscription-based knowledge-base of auto finance related providers and to offer supporting consulting services and expertise to those represented in and using this resource bank.

He is a former Vice President of Global Strategic Planning at Ford Credit and, since 2005, he has operated his own consulting company. Omnibus Enterprises has provided consulting for a variety of client companies including all major auto- finance captives, several major US banks' auto-finance operations, BenchMark Consulting International, Fidelity Information Systems, ACS, Reynolds & Reynolds and others, related to enterprise strategy development, major IT project implementation and benefit evaluation, staffing model development, operational process benchmarking, vendor management, customer value equation development and strategic marketing.

While at Ford Credit, Halloran held a series of progressively challenging line and staff executive and management positions. As Vice President of Global Strategic Planning, he directed Strategy and Planning, Business Intelligence, and Business Development & Restructuring for the world's largest auto finance company ($200 billion, 40 countries, 22,000 employees, 12,500 dealers, 10 million customers). He spearheaded evolution toward a new business model focused on auto loan origination and servicing supported by innovative funding structures and developed unique structured tools for guiding the organization through strategic thinking, planning and achievement.

As an Executive Director with Ford Credit Europe, Halloran centralized European marketing activities (previously conducted at country level) and developed a project management system now used worldwide at Ford Credit as Enterprise Project Management. He directly managed IT, Marketing, Education & Training, Insurance, Project/Program Management, and Full-Service Leasing, and matrix managed all Sales Operations activities for 23 national markets. He also directed operations providing credit-line financing of the global Ford distributor network (50 countries). In the first years of his European assignment he managed seven Northern-European financing operations, harmonized regional processes for finance and accounting, and led the development and launched common IT platforms for all operations. He then managed UK Sales and Operations and over 400 employees in first major centralized auto financing service center in Europe, reversing severe sales/dealer satisfaction declines and upgrading service center operating processes to best-in-class. He also chaired the UK credit committee with $10 million credit approval limit.

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William Himpler

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.

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David L. Jones

Vice President - Consumer Credit, Operations Support & Plans
General Motors Acceptance Corporation

David L. Jones is vice president of Consumer Credit, Operations Support & Plans for General Motors Acceptance Corporation. He oversees Consumer credit risk management, retail & lease rates and plans administration, dealership inventory financing systems, application processing & credit evaluation systems and legal document management for GMAC North American Auto Financing Operations.

Born December 30, 1950, in Charles City, VA, Mr. Jones earned a bachelor's degree in American Civilization with honors from Williams College in Williamstown, MA, in 1974.

Mr. Jones joined GMAC at the Richmond, VA, branch in 1975. He served in various capacities there before being named credit supervisor in 1978. Two years later, Mr. Jones was named assistant credit manager of the Washington, D.C., branch. He was promoted to credit manager the following year and appointed sales manager in 1985. Later that year, he was promoted to assistant manager of the Oak Brook Terrace, IL branch.

Mr. Jones completed a management development program in 1985 sponsored by the American Financial Services Association (AFSA) at the University of North Carolina School of Business. In 1987, he completed an executive development program in business management at the Kellogg School of Business at Northwestern University. In that same year, he was named business development manager of the Chicago, IL West Side branch. In June 1988, he was promoted to manager of the Joliet, IL branch.

In 1991, Mr. Jones became assistant manager of the Plans department at the company's headquarters in Detroit. He was promoted to his current position in March 1993. In May 1996, Mr. Jones completed an executive development program in finance at the Kellogg School of Business at Northwestern University. He also completed, in May 1998, an advanced management executive development program at the Fuqua School of Business at Duke University.

Mr. Jones is active in community affairs as a member of the Junior Achievement of Southeastern Michigan board of directors, a member of the Music Hall for Performing Arts board of Trustees, the Farmington Public School's Community Partnership Committee, and the Multicultural/Multiracial Council of Oakland County, MI; and coach in the Detroit area Catholic Youth Organization basketball program. He has been married to the former Pauline Richard of Opelousas, LA for 24 years and they make their home in Farmington Hills, MI. They have two sons - Eric, who is a former U.S. Marine who works for the FBI in Washington, DC and Christopher, who is a junior at Duke University in Durham, NC.

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Mark Joseph Kenney

Mark Joseph Kenney, 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.

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Amy Martin

Amy Martin is a director in the Structured Finance Ratings Group at Standard & Poor's. As a senior member of the amortizing assets group, she is responsible for chairing auto loan and auto lease credit committees, the on-going development and refinement of Standard & Poor's criteria in these areas, coordinating and conducting ABS analytical training programs, and implementing and managing various analytical tools used in the rating process.

Amy has published numerous articles and criteria publications on the auto sector of the asset-backed securities market, and is currently responsible for publishing Standard & Poor's quarterly auto loan static index and collateral trends report. Amy has been involved in a wide range of rating assignments (including auto loans, auto leases and student loans) since joining the company in 1993 and was a team leader managing a team of amortizing asset analysts from 1997-2000.

Prior to joining Standard & Poor's in 1993, Amy was a lending officer in Barclays Bank PLC's debt underwriting group and a credit analyst at Chemical Bank, where she completed the bank's Credit Training Program.

Amy holds a B.A. in economics and English from Manhattanville College (Purchase, NY) and an M.B.A. from the Stern School of Business, New York University.

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Tim Martin

Executive Vice President -- Consumer Direct Business, HSBC Auto Finance
Tim is the general manager of the Consumer Direct Business for HSBC Auto Finance based in San Diego. In this position he is responsible for commercial relationships, product management, marketing, sales and credit & funding operations related to HSBC's $2+ billion of consumer direct auto loan originations per year.

Prior to joining HSBC, Tim was a consultant with Booz Allen Hamilton from 1998 to 2003 focused on both the Consumer Products and Automotive industries. From 1992 to 1996 he was a senior marketing analyst in American Airlines' pricing and revenue management department.

Tim is currently a board member of both the Juvenile Diabetes Research Foundation, San Diego chapter and the Combined Health Agencies of San Diego. He earned a BS in management and Phi Beta Kappa honors from Purdue University and an MBA from the University of Michigan Business School, winning the Henry Ford II Scholar Award for the highest, first-year academic performance of his MBA class.

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McConnell

Vice President Sales, Financial Products and Corporate Planning
Mike McConnell is vice president of sales, financial products and corporate planning for Nissan North America, Inc. (NNA). He is responsible for managing sales and marketing functions for Nissan Motor Acceptance Corporation (NMAC) and Infiniti Financial Services (IFS), as well as managing the corporate planning office.

Previously, McConnell served regional vice president, NNA mid-Atlantic region, responsible for managing all regional operations, including sales, marketing, fixed operations, administration and consumer affairs for the mid-Atlantic states. Prior to his RVP position, McConnell served as the director of sales for Nissan Motor Acceptance Corporation (NMAC), senior regional financial services manager for the Mid-Atlantic region and regional field operations manager for the Southeast region, among several other positions.

McConnell has been with Nissan since he graduated from West Georgia College in 1985, where he received his bachelor's degree in business administration with an emphasis in marketing.

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Dennis McCuistion

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."

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Robert R. McDonald

Fixed Income, Currency and Commodities
New York
Robert is a Vice President in the Structured Finance Group responsible for Goldman's auto and equipment finance businesses. Prior to joining Goldman Sachs in 2002, Robert worked at Ford Motor Credit Company in their securitization group. Robert has received his M.B.A. from The Wharton School, M.S. in Math and Financial Engineering from University of Michigan and a B.S. in mathematics from Morehouse College.

He and his wife live with their two daughters in Maplewood, New Jersey.

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John P. McEleney

John P. McEleney is president of McEleney Motors, Inc. and Southgate Motors, Ltd., Clinton, Iowa, represents the state's franchised new-car dealers on the National Automobile Dealers Association's board of directors. A member of the NADA since 1976, McEleney is currently the association's Chrysler chairman on the Industry Relations Committee, a director on the Guide Company board, a director on the Insurance Trust Board, and a member of the Nominating committee. Previously, he served as NADA's region III vice chairman and on the Government Relations, Industry Relations, and Public Affairs committees. McEleney was a member of the Buick National Dealer Council and served on the Pontiac National Dealer Council in 1988 and became chairman in 1992. He was vice chairman of the Iowa Automobile Dealers Association in 2000 and chairman in 2001. McEleney also served as a member of the GM Policy Board.

Active in his community, McEleney has served as vice chairman at Mt. St. Clare College. He was a member of the Mercy Health Systems and director of the YMCA.

McEleney graduated from the University of Notre Dame in 1973 with a BA in Marketing. He resides in Fulton, Iowa where he is married with two kids. For leisure activities, McEleney enjoys golf and travel.

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

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Paul D. Metrey, Esq.

Paul D. Metrey, Esq. is the Director of Regulatory Affairs in the Legal and Regulatory Group of the National Automobile Dealers Association. He represents dealer interests before, and educates dealers on, regulations promulgated by several federal agencies including the Federal Reserve Board, Federal Trade Commission, Federal Communications Commission, Department of the Treasury, and Internal Revenue Service. He reports on regulatory developments in several association publications and serves as a primary staff advisor to NADA's Regulatory Affairs Committee. He is the author of several NADA publications and frequently speaks to dealers, Automotive Trade Association Executives, dealership compliance professionals, and other industry groups on an array of regulatory topics, including recent developments in privacy, identity theft, telemarketing, consumer financing, and taxation.

The National Automobile Dealers Association represents approximately 20,000 franchised car and truck dealers in all 50 states and the District of Columbia.

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Preston A. Miller

Preston A. Miller has been Executive Vice President and Co-Chief Operating Officer of AmeriCredit since September 2007. Before that, Mr. Miller served as Executive Vice President and Chief Operating Officer for Originations from January 2005 to August 2007. Previously, he was the company's Chief Financial Officer from 2003 to 2005, Treasurer from 1996 to 2003, and Controller from 1989 to 1996. Prior to joining the company, he was an auditor with Coopers & Lybrand. Mr. Miller is a Certified Public Accountant.

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Stephen Moore

Editor - The Wall Street Journal
Stephen Moore is senior economics writer for the Wall Street Journal editorial page and a member of the Journal's editorial board. From 1999-2004 Moore served as founder and President of the Club for Growth, a 25,000-member organization dedicated to helping elect free market, tax cutting candidates to Congress. In his tenure as president, the Club for Growth became one of the most influential and respected political organizations in the nation. In 2003-04 the Club for Growth raised nearly $22 million for Republican congressional and Senate candidates, making the Club the biggest single money raiser for Republican candidates outside the party itself. Mr. Moore has also served as a senior fellow in economics at the Cato Institute, where he had published dozens of studies on federal budget and tax policy. Moore is also an economic commentator for CNBC TV. He is also a frequent guest on CNN and FOX networks commenting on economic and fiscal policy issues. He is also a contributing commentator for National Public Radio's marketplace.

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Andrew Morrison

AFSA Chairman of the Board and Executive Vice President
Brundage Management/Sun Loan Company
Andrew Morrison began his career in the financial services industry in 1979 when he joined British merchant bank Dresdner Kleinwort, working in both North America and the United Kingdom. In 1981, he relocated to Chicago, where he oversaw the South and Southwest regions and in 1985 opened a Dallas office as senior vice president of Kleinwort Benson North America. He returned to London in 1987, serving as the first credit officer of the company's securities division and later as deputy head of group credit in London. Morrison has been with Brundage Management/Sun Loan Company since 1990. He is Chairman of the AFSA Executive Committee, Board of Director and serves on the Education Foundation Board. In 2005, Morrison served as Chairman of the AFSA Independents Advisory Board and received the AFSA Distinguished Service Award.

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Jim Moynes

James R. Moynes is vice president, Global Strategic Planning, Ford Motor Credit. He is responsible for developing strategies that make the company profitable and efficient worldwide.

Previously, he was vice president, Automotive Marketing and Sales Development, responsible for all marketing, product management and sales support activities for Ford Motor Credit North America.

Before that, Moynes was executive director, Global Operations and Technology for Ford Financial Europe with responsibility for the company's operations and technology infrastructure in 19 countries. He moved to that assignment from Volvo Car Finance Europe where he was president.

Moynes's broad experience includes service as the first director of Ford Credit's Henderson (Nev.) service center and as performance manager of the team that developed the service center concept, which moved Ford Motor Credit's collections, account maintenance and customer service functions from branches to centralized locations.

He joined Ford Motor Credit Company in 1987 in the company's MBA staff hire program after which he served in field operations roles including branch operations manager in Columbus, Ohio, branch manager in Asheville, N.C., and Sonic Automotive national account manager in Atlanta, Ga.

Moynes holds a master's degree in business administration with a concentration in marketing and a bachelor's degree in personnel administration, both from Michigan State University in East Lansing.

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Brad Neigel

Brad Neigel is a Senior Consultant and Project Manager with BenchMark Consulting International and possesses over ten years of experience in the financial services industry and a wealth of knowledge around achieving high operational performance and industry best practices. Brad specializes in providing business intelligence and operational efficiency support to a number of clients in the indirect auto finance, direct consumer and commercial lending industries. He has consulted on and managed a number of projects that directly focus on improving the overall efficiency and effectiveness of the originations, account servicing and collections operations of auto finance providers.

BenchMark Consulting International has specialized in improving the financial services industry since 1988. The company is a management consulting firm that improves the profitability of its financial services customers through the delivery of management decision-making information and change management services to realize the benefits of business process change. BenchMark has worked with 39 of the top 50 (in asset size) commercial banks, all 14 automobile captive finance corporations, several of the largest independent finance corporations and many regional and community banks throughout the United States. Internationally, BenchMark has worked with the five largest Canadian commercial banks, more than 40 European organizations in 11 different countries, in addition to financial institutions in Latin America, Australia and Asia.

Prior to joining BenchMark, Brad held several senior management positions in the financial services industry. Most recently, Brad served as a VP of Commercial Banking for First Trust Bank and SVP of Credit Operations for IP Financial, a specialized investment banking firm focused on commercial and corporate financing opportunities across multiple industries. Brad also spent a number of years with RBC Centura (formerly Centura Bank) and held several management positions across multiple business lines with them. Brad earned his Bachelors degree in Business & Industrial Relations from UNC-Chapel Hill.

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Brad Noel

Brad Noel
SVP, National Sales Manager, Wells Fargo Auto Finance

As Senior Vice President for WFAF, Brad is responsible for the Indirect Sales for the US and Canadian auto businesses. In this role, Brad and his team sell indirect auto product to the auto dealers by developing relationships with those dealers that create a foundation of business with the dealership and the consumer.

Brad has over 27 years of experience in sales and operations management, the last 6 of which have been with Wells Fargo. Prior to joining Wells Fargo, Brad served as the SVP, Region Manager West of Origen Financial. For four years, prior to that, he was with Associates First Capital Corp. in the roles of SVP, Retail Auto Operation, SVP, Home Improvement and Group VP, Auto Division. Prior to that Brad was the Regional Manager for Greentree Financial for two years and was the Sales and Finance Manager for Feldman Imports for one year. During his ten years at Regional Finance Company, Community Credit, Brad was a District Manager and a Branch Manager in the Minneapolis/St. Paul area. Brad has a bachelor's degree from St. Cloud State University in Criminal Justice.

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Kimberly K. Pulliam

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.

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Rachel Richards

Vice President, Retail Strategy & Process Management
Sonic Automotive, Incorporated
Rachel Richards is the Vice President of Retail Strategy and Process Management for Sonic Automotive a Fortune 300 company with 173 dealerships representing 34 different automotive brands. Rachel's professional experience includes more than 22 years of leadership experience in the automotive industry.

In July 2006, Rachel joined Sonic Automotive and has responsibility for Sonic's national advertising, marketing, customer relationship management, traffic management, asset inventory management, corporate planning, eCommerce/Digital Marketing, and Sonic's national training organization.

Prior to joining Sonic, Rachel worked for Ford Motor Company for 20 years where she held various field, Regional Management, and corporate positions in Ford's captive automotive finance company; Ford Credit, Parts & Service Division, Sales & Marketing Division, and Product Marketing.

Rachel's holds a Bachelor of Science degree from Shippensburg University and is a member of the Women's Automotive Association International.

On the personal front, her passions include cars (of course!), gourmet cooking for friends and family, and exercise. Rachel is married and has one daughter.

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Paul Rindone

Paul Rindone is Vice President of Financial Services for ADP Dealer Services located in Hoffman Estates, IL. Paul brings to this position more than 20 years of automotive experience. He has a diverse background having served in strategy, marketing, e-Business, sales, and most recently general management roles. He has worked closely with automotive retailers, manufacturers, and financial services providers.

In his current role, Paul is responsible for ADP's Financial Services business unit and the development of ADP's strategy within the financial services sector. Paul sees opportunities for dealers and their financial services partners to build unique relationships enabled through point of sale technologies.

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Frank Rohde

Vice President of Product Management & Chief Marketing Officer Frank is responsible for leading Nomis Solutions' product management in developing world-class solutions that harness the power of analytics, optimization and execution. He is also responsible for global marketing and corporate development. Frank joined Nomis Solutions in 2005 as VP of Sales and Marketing and was responsible for the market development and initial customer acquisition efforts of the company.

Frank brings 15 years of financial services domain expertise to the company. Most recently, he served as Vice President of Enterprise Decision Management at Fair Isaac Corporation (NYSE: FIC), where he was responsible for development and marketing of optimization solutions to the financial services industry. Prior to Fair Isaac, Frank was Vice President of Product Development for eCoverage, an online insurance company, as well as an Associate in the Financial Services practice at Mercer Management Consulting.

Over the past 10 years, he has worked with a range of financial services clients on product development, marketing, and pricing problems, including Allianz USA, Bank One, MBNA, Juniper Bank, Fleet Bank, GE Capital, Royal Bank of Canada, Bank of America, and others. Frank is a Chartered Property Casualty Underwriter and has published on the topics of decision management and optimization in several trade publications including Credit Risk International and Harvard Business Review.

Frank graduated from the Wharton School of the University of Pennsylvania with concentrations in finance and management.

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Marc Sheinbaum

Marc Sheinbaum is CEO of Auto and Education Finance, part of JPMorgan Chase Retail Financial Services, headquartered in Garden City, NY. Marc joined the firm in February, 2007, after 14 years with GE Consumer Finance (formerly GE Capital), where his most recent position was President of GE Money Services. In that role, Marc led all businesses that marketed fee-based products and services to U.S.-based consumers. Marc also served as Senior Vice President, Marketing, and was responsible for Americas-wide marketing and product development. Marc joined GE Capital in 1992 as Senior Vice President, Risk Management, for Retailer Financial Services. He became President of GE Capital's Montgomery Ward credit portfolio in 1996 before moving to Stamford and assuming the marketing leadership role in 2000.

Prior to GE, Marc held several finance and risk positions with American Express. He began his career with Coopers & Lybrand's Management Consulting Services.

Marc graduated with a B.S. degree in management science from the State University of New York-Albany. He also holds an M.B.A. degree from New York University. Marc is married with two children, and resides in Chappaqua, New York.

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Stephen E. Smith

Steve Smith, is the senior vice president, financial services, American Honda Finance Corporation in Torrance, CA. Steve 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 serves on the Board of Directors of the American Financial Services Association.

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.

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John William Snow

President George W. Bush nominated John William Snow to be the 73rd Secretary of the Treasury on January 13, 2003 . The United States Senate unanimously confirmed Snow to the position on January 30, 2003 and he was sworn into office on February 3, 2003 . As Secretary of the Treasury, Snow worked closely with President Bush on a broad array of economy policy issues.

Prior to becoming Treasury Secretary, Snow was Chairman and Chief Executive Officer of CSX Corporation, where he successfully guided the multi-modal global transportation company through a period of tremendous change. During Snow's twenty years at CSX, he led the Corporation to refocus on its core railroad business, dramatically reduce injuries and train accidents, and improve its financial performance.

Snow held several high-ranking positions in the Department of Transportation during the Ford Administration where he led the efforts to reform regulation of the motor carrier, airline, barge and rail industries.

From 1994 through 1996 Snow served as Chairman of the Business Roundtable, the foremost business policy group comprised of 250 chief executive officers of the nation's largest companies. During that period, he played a major role in supporting passage of the North American Free Trade Agreement and working on the deficit reduction agreement. Snow is widely recognized as a leading champion of improved corporate governance practices. He served as co-chairman of the influential Conference Board's Blue-Ribbon Commission on Public Trust and Private Enterprise, which made a number of recommendations to improve corporate governance. He also served as co-chairman of the National Commission on Financial Institution Reform, Recovery and Enforcement in 1992 that made recommendations following the savings and loan crisis.

Snow was born in Toledo , Ohio , on August 2, 1939 , and did undergraduate work at Kenyon College and the University of Toledo, from which he received a BA in 1962. Both schools have honored him with honorary degrees. He also holds a Masters Degree from the Johns Hopkins University and Ph.D. in economics from the University of Virginia where he studied under two Nobel Prize winners. Snow graduated with a law degree from the George Washington University in 1967 and was on the economics faculty at the University of Maryland and the University of Virginia. He also taught on the law faculty at George Washington. He served as a Visiting Fellow at the American Enterprise Institute in 1977 and a Distinguished Fellow at the Yale School of Management from 1978 until 1980. His interest in education includes service on the School Board of the City of Richmond from 1983 to 1985.

Before joining the Administration, Snow served on various corporate and non-profit boards including the American Enterprise Institute and Johns Hopkins University. He is currently chairman of Cerberus Capital Management, L.P.

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Christopher Stinebert

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.

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James Swartz

Jim Swartz is Associate General Counsel at Ford Motor Credit Company LLC, responsible for Global Compliance. Jim joined Ford Credit in1986 upon graduating law school. Jim has practiced extensively in the areas of consumer and commerical financing, with an expertise in Truth in Lending, Equal Credit Opportunity Act, Fair Credit Reporting Act, state sales finance and leasing laws, and Article 9 of the Uniform Commerical Code. Jim is a member of the American Financial Services Association Law Committee where he currently chairs the Emerging Issues submcommittee. He is a member of the Governing Committee for the Conference of Consumer Finance Law, where has lectured extensively on consumer finance law issues. Jim taught secured transactions at the University of Denver's Law School. He is a graduate of the University of Michigan and Wayne State University Law School.

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Annette Sykora

Annette Sykora, dealer principal of Smith Ford Mercury in Slaton, Texas, and Smith South Plains Ford, Lincoln-Mercury, Dodge, Chrysler and Jeep in Levelland, Texas, is the 2007 vice chairman of the National Automobile Dealers Association. She represents the franchised new-car dealers of northern Texas on the National Automobile Dealers Association's board of directors.

A new-car dealer since 1989 and a member of the NADA board since 1999, Sykora currently serves on the association's Finance, ATAE/NADA and Industry Relations committees. She also serves as a trustee on the National Automobile Dealer's Charitable Foundation Board. Previously, she chaired NADA's Public Affairs Committee.

Active in her community, Sykora is chair of the Finance Committee of the First United Methodist Church of Slaton and a board member of the Slaton Chamber of Commerce. She is also past chairperson of the Texas Outstate Ford Dealer Advertising Fund.

In 1993, Sykora was named Boss of the Year by the women's division of the Slaton Chamber of Commerce.

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

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Paul Tsang

Senior Vice President
Wells Fargo Auto Financial
Paul Tsang joined Wells Fargo in 1992 and is currently the Senior Vice President of the Strategic Auto Investment group that specializes in investments of automotive financing portfolios. Prior to his current position, Tsang managed numerous functions in the auto finance area of Wells Fargo including Strategic Planning, CFO, Internet Business, and Operations. Before joining Wells Fargo, Tsang worked at First Nationwide Bank and Ernst and Young as a Senior Auditor.

Tsang lives in San Francisco with his wife and two children. He is an active participant in Wells Fargo's mentoring program. Tsang also serves as a board member of the San Francisco Education Fund and as the Advisory Council Chairperson for Oakland Asian Student Educational Services. He has been a past board director for Community Educational Services and Asian American Recovery Services in San Francisco.

Tsang received his undergraduate degree in Accounting from California State University, East Bay and his Master in Business Administration from Thunderbird School of Global Management in Arizona. He is a Certified Public Accountant and a licensed Real Estate Broker.

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Marguerite Watanabe

Marguerite Watanabe's experience as an auto finance industry professional spans nearly twenty years. Recently, she formed Connections Insights, to focus on strategic partnering between auto finance service providers, captives, banks, independent auto finance companies and credit unions. Her new company plans to develop an online subscription-based directory of auto finance related providers and offer consulting services and expertise. 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.

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Thomas Weslocky

Vice President, Loss Mitigation
Capital One Auto Finance
As a Vice President at Capital One, Tom Weslocky and his team are charged with reducing delinquency and preventing loss at Capital One's Auto Financing division. His team encompasses Early, Mid, and Late Stage Collections; Repossessions; Skip Tracing; Recovery; and Vehicle Remarketing.

Tom joined Capital One from GE Capital where he served as a Six Sigma Master Black Belt. In this role, Tom led business process improvement efforts to achieve significant cost savings for the company. He also served as an interim site director for the company's Minnesota operations.

Before joining GE Capital, Tom served as Vice President of Customer Support for FirstUSA Bank. In that capacity, he was responsible for leading their Wilmington based collection team and overseeing the division's centralized support functions.

The majority of Tom's career was spent at JC Penney. Tom began his career at JC Penney in an entry level position in his hometown of Pittsburgh, PA and worked his way through the ranks, gaining increasing responsibility in each new assignment. He worked in various areas of JC Penney's Credit division including Operations Management, Production Management, Corporate Staff, and Human Resources. He also spent three years in their Life Insurance Division as Customer Service Manager and was responsible for leading the servicing function for JC Penney Life Insurance policy holders. In his last role, he was a site Director for their Cincinnati based Collection Center.

In his current position, Tom encourages positive thinking to achieve outstanding results. He believes in delivering on his promises and offering repeatable solutions where possible. He also knows that persistency and hard work should be balanced with an enjoyable working environment and strives to keep humor and fun a part of his day.

In his spare time, Tom enjoys spending time with his family, fishing, watching football with his son, and working on projects around the house.

Tom resides in Dallas, TX.

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David W. Westcott

NADA Board of Directors - North Carolina
David W. "Dave" Westcott, president of Westcott Buick, Pontiac, Isuzu, GMC, Burlington, North Carolina, represents North Carolina's franchised new-car dealers on the association's board of directors.

A new car-dealer since 1981, Westcott became a member of the National Automobile Dealers Association that year. He currently serves as President Club co-chair for the Dealer Election Action committee, represents Suzuki on the Industry Relations committee, and is a member of the Government Relations committee.

Previously, Westcott was NADA's region II vice chairman, Isuzu chairman on NADA's Industry Relations committee and a North Carolina Auto Dealers Association (NCADA) chair to the Self-Insurance Fund. He was also chairman of the Buick National Dealer Council, GM President's Council and Buick's Brand Team. From 1995 through 1996, Westcott was president of the NCADA, where he received the Time Dealer Award from NADA.

Active in his community, Westcott has served as a board member to the United Way, Cancer Society, YMCA and the Rotary Club, where he received the Paul Harris Fellow Award. As past president and current trustee of the Boy Scouts, Westcott received the Silver Beaver Award. The National Automobile Dealers Association, founded in 1917 and based in McLean, Va., represents more than 20,000 franchised new car and truck dealers holding nearly 43,000 separate franchises, domestic and international.

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Bob Williams

President NADA-24
Automotive Sales and Marketing, Finance,
Leadership Consulting, Training, all areas of
CSI and SSI, dealership retail operations.

Bob began his automotive career at Ford Motor Co in finance and later advanced in global senior management positions with Chrysler.

Known for his innovation, he is a founder of the Five Star Dealer Certification Program and the Director/Founder of the DaimlerChrysler Academy; also ran Dealer Councils and Dealer Advertising Associations nationally for Chrysler Corp

Experience in many roles with various automotive companies globally, including General Sales Manager of the Western Region for Chrysler Corporation and President for Jeep Japan Limited (based in Tokyo).

Bob is a former Captain in the US Air Force and served as a high performance jet fighter pilot.

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Melinda Zabritski

Director, Automotive Credit
Experian Automotive
Melinda Zabritski is the director of Automotive Credit for Experian Automotive. She has over 10 years experience working in numerous marketing and strategy roles within the credit industry. Ms. Zabritski is a frequent contributor to automotive and banking industry publications analyzing industry and finance market trends. Ms. Zabritski earned a Masters in Business Administration and is a world class travel aficionado

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