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William J. Kellagher has served as our vice president since December 2002 and was added as a director in July 2005. Before that, Mr. Kellagher served as the president and chief executive officer of Epic Financial Services from 1996 to 2002, a non-prime automobile finance company that he co-founded. From 1987 to 1995, he served as the chief executive officer of TruCare Health Systems, Inc., a Dallas, Texas based comprehensive rehabilitation company that provided physical, occupational and speech therapy services to hospitals, long-term care facilities, home health and privately owned clinics. He co-founded TruCare and was responsible for growing the business to $23 million in annual revenues and $1.2 million in earnings in 1995. From 1985 to 1987, Mr. Kellagher was a registered broker and financial consultant at Merrill Lynch, where he specialized in small business offerings and managed a portfolio in excess of $15 million. Mr. Kellagher received a B.S. in Administration and Finance from the University of Houston in 1981. | 