Ann Bybee
Corporate Manager, Planning and Corp. Communications
Toyota Financial Services

Mary Carolan-Doyle
Senior Vice President
Universal Training

William C. Dunkelberg, Ph.D.
Professor of Economics
Temple University

Frederick W. Geissinger
Chairman and CEO
Springleaf Financial Services

Harry Goff
Chairman
AFSA Education Foundation

Tim Harrelson
President
Penn Hill Associates

Virginia Herring
President
1st Franklin Financial Corp.

Irwin B. Holzman
Chairman & CEO
Reliable Credit Association, Inc.

M. Susie Irvine
President & CEO
AFSA Education Foundation

Steven R. Lambert
President & CEO
Nissan Motor Acceptance Corporation

Mary McDowell
President & CEO
CitiFinancial North America

Sandy McLean
Chairman & CEO
World Acceptance Corp

Sharon Y. Moore
VP, Director of Operations
Absolute Loans, Inc.

Andrew Morrison
Executive Vice President
Brundage Management/Sun Loan Company

Ralph Rohner, Esquire
Professor
Columbus School of Law Catholic University of America

Mark Roland
President & COO
World Acceptance Corp

Richard Santoro
Vice President, Government Affairs
MasterCard Worldwide

James Schneider
Chief Operating Officer
CitiFinancial, Inc.

James F. Smith, Ph.D.
Professor of Finance
Western Carolina University

Michael E. Staten, Ph.D.
Director, Take Charge America Institute
Norton School of Family and Consumer Sciences/Univ. of AZ

Chris Stinebert
President & CEO
AFSA

Robert Trojan
President & CEO
Financial Services Insights

Charles Walters
Chairman Emeritus
World Acceptance Corp.