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.     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.