Drew W. Edwards Drew has served as our chairman of the board and chief executive officer since founding the company in 2001. From 1995 until 1999, Mr. Edwards founded and served as chief executive officer and chairman of the board of directors of Towne Services, Inc., a publicly traded provider of products and services for processing sales and payment information and related financing transactions for small businesses and community banks in the United States. Prior to Towne Services, he served in various marketing and management positions with The Bankers Bank, most recently as its senior vice president and director of sales and marketing. Mr. Edwards has also served in various management roles with the Federal Reserve Bank of Atlanta and has served on several corporate boards of directors. Mr. Edwards holds a Bachelor of Business Administration degree from LaGrange College.     Richard Chambers Richard has served as our vice-chairman since 2003, and has over 34 years of experience in the financial services industry. Mr. Chambers has been the president of Music City Money, Inc., a real estate holding company, since 1993, and the owner of Chambers Principal, a consulting firm, since 1992. From 1982 until 1989, Mr. Chambers served as president of Nashville City Bank and later founded The Bank of Nashville in Nashville, Tennessee. Mr. Chambers also developed and later successfully sold a chain of five Check Express Check Cashing Stores. Recently, Mr. Chambers was regional president of BancPartners Leasing, Inc. and managed his bank stock investments and provided consulting services to varied clients under the Chambers Principal banner. He is a graduate of Brown University and the Stonier Graduate School of Banking.     Teodoro Maus The Honorable Teodoro Maus (Honorary Director) has served as one of our directors since 2001. He began his service to the Mexican government with his appointment as cultural attaché at the Consulate General of Mexico in New York in 1978. In 1986, Mr. Maus was appointed as delegate to the Permanent Mission of Mexico to the United Nations, in New York. He was elevated to the position of Consul in 1989, followed by his appointment as Consul General of Mexico in 1990 in Atlanta, Georgia, where he served for two periods. In between those periods, Mr. Maus was appointed Director General (Assistant Undersecretary) to the ‘Program for Mexican Communities Abroad,’’ of the Ministry of Foreign Affairs, Mexico. He retired from the Foreign Service and remained in Atlanta, where he served as President of the Mexican American Business Chamber and Head Advisor of the Coordinating Committee of Community Leaders from 2001 to 2002. Most recently, he retired as the Minister Representative of the Ministry of Environment and Natural Resources of Mexico (SEMARNAT) where he served from 2002 to 2005 in Washington D.C. at the Embassy of Mexico.     Dan Speight Dan is currently a managing principal of Bankers Capital Group, LLC. Which is in the business of purchasing bank assets, making investments in banks, and providing bank management consulting. From 1984 until its merger with Flag Financial in 1998, he was president and chief executive officer of Citizens Bank in Vienna, Georgia. Mr. Speight is a member of the State Bar of Georgia and has served as past president of the Community Bankers Association of Georgia and as chairman of the board of directors of The Bankers Bank in Atlanta, Georgia.     John Schneider John is currently serving as Vice Chairman and C.E.O. of the Independent Bankers' Bank, its parent company, the Bankers' Bancorp, Inc., and subsidiaries Bankers’ Bank Service Corp. and Bankers’ Bank Investment Services, Inc., all located in Springfield, Illinois. Mr. Schneider has served as C.E.O. of the Bankers’ Bank and its subsidiaries for the last 20 years. He also serves as a director of First National Bank of Sullivan, Community Bank Mortgage Corporation, The Trust Co., San Antonio, Texas, Goldleaf Technologies, Brentwood, Tennessee, and the Bankers' Bank Council. Additionally, he is a member of the I.C.B.A. Federal Political Action committee.     Virginia A. Hepner Virginia is currently the interim Executive Director of Brand Atlanta, Inc. having served on the leadership team for the past year on this economic development initiative for the City of Atlanta. Virginia is also President of GHL, LLC, a private firm focused on commercial real estate investments. She retired from Wachovia Bank in February 2005 after a 25-year career with the firm. Ms. Hepner joined Wachovia in Winston-Salem, NC in 1979 as a corporate banking account officer in the U.S. Corporate Division. She relocated to the division’s Chicago office in 1981 and was promoted to vice president in 1985. In 1988 she was named manager of marketing for Corporate Finance in Atlanta, and in 1989 she was appointed senior vice president and Midwest district manager. From 1991 until mid-1996 she served as Atlanta district manager in the Southeast Corporate Division of Wachovia Corporate Services. She managed the Foreign Exchange and Derivatives Group in Capital Markets from 1997-1999. She was elected executive vice president and became the senior managing director of U.S. Corporate Finance in February 1999. Upon completion of the 2001 merger with First Union Corporation, Hepner became Co-Head of U.S. Industries in the Corporate and Investment Banking Division. She served as the Atlanta Commercial Banking Director from February 2003-2005.     Archie L. Bransford, Jr. Archie is the owner and operator of Bransford & Associates, LLC. The company provides regulatory consulting services that are designed to maintain the health and profitability of banks and other financial services institutions. Primary activities include: improving risk management practices, facilitating the planning and execution of goals and objectives, and assisting in corporate licensing activities involving restructures, expansion, and new franchises. Mr. Bransford worked with the Office of the Comptroller of the Currency (OCC) for thirty years and retired as the Deputy Comptroller for the agency’s Southern District. In this capacity he served as the co-chief executive officer for a district that supervised over 700 banks in the southern United States.     Steven Doctor Steven has served as a senior vice president and our chief financial officer since June 2004. From 1981 until joining us in 2004, Mr. Doctor held various positions with Eastman Kodak Company, including vice president—corporate financial planning, director—motion picture imaging, analyst— professional imaging, marketing director—presentation technologies, and financial analyst. Most recently, he served as divisional vice president—finance from 2000 to 2004. Mr. Doctor holds a Bachelor of Science in Electrical Engineering and Business Administration degree from Carnegie Mellon University and a Masters of Business Administration from Carnegie Mellon Tepper School of Business.     Darryl Storey Darryl joined us in October 2001and serves as the chief information officer and senior vice president. From 1997 to 2001, Mr. Storey served as the vice president of information systems for Towne Services, a financial transaction processor, where he was responsible for application development, network design, Internet connectivity and security. Prior to Towne Services, Mr. Storey spent 21 years in the US Air Force/GA Air National Guard where he retired as Chief of Intelligence and Combat Crew Communication.