CreditWest Personell

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Larry Kelley -- President, CEO and Founder

Mr. Kelley of Santa Rosa, California has 46 years experience in the credit industry with a background in collections, marketing, retail credit and banking with the last 24 years in the sub-prime market. He has served as a consultant in the secondary financing for five finance companies and as a turnaround specialist acting as CEO and CFO. Mr. Kelley also served as consultant to the start-up of Ugly Duckling Corporation in Phoenix, AZ which is now the largest buy-here pay-here dealership operation in the United States with operations in 30 states. He has earned a reputation in the Western United States as an authority in hard to finance paper. He has served as Chairman of the Dealer Education Committee for the Independent Automobile Dealers Association of California. Mr. Kelley is a frequent speaker at dealer meetings.

Bob Henry -- Chairman of the Board and Founder

Mr. Henry has been in the automobile business for 47 years. He is a well known and respected dealer both locally and throughout the State of California. He is respected for his honesty and fair business practices. Mr. Henry is also a civic leader serving many years and positions in the Lions Club.

In addition to his other responsibilities , Mr. Henry is immediate past president of the Independent Automobile Dealers Association of California having served two terms. Under his leadership, the association's membership grew 64 %. He has recently been elected to serve as chairman of the board for the association. He has become well known in the halls of the California legislature and to the many regulatory agencies governing used car dealers.

Lonnie D. Kelley -- Chief Financial Officer

Lonnie comes to CreditWest with 20 years of Public Accounting experience in Denver, Co. He received his accounting education at Benedictine College in Atchison, Ks.

Quineyba Farias-Barragan - Accounting Assistant

Thomas Ortega - Branch Manager - Rohnert Park

Emelia Acevedo - Assitant Manager - Rohnert Park

Angelica Martinez - Customer Service - Rohnert Park

Debby Mendez - Customer Service - Rohnert Park

Sylvia Gomez - Customer Service - Rohnert Park

Joe Kelley - Regional Branch Manager Sacramento

Originally introduced to the finance industry 18 years ago, Joe started out as a collector. As his experience in several fields grew, he developed a great deal of appreciation for the dealerships that are the backbone of our business, large or small. With this in mind, Joe strives to help you find a way to get your hard to finance customers handled.

In addition to over 17 years of management experience, Joe also holds a degree in psychology.

Sandra Nino - Office Manager - Sacramento