Board of Directors

Bruce Bates, Director

Bruce is the founder and owner of RISA Technologies, an established leader in structural analysis and design software since 1987. As a registered professional engineer Bruce brings over 23 years experience in software development and marketing. From general building and manufacturing firms to petroleum and power companies, RISA Technologies’ internationally top-rated software tools for structural engineers is used across multiple design categories demonstrating the versatility of its products. 24 of the 25 top design firms use RISA software to help them achieve their goals. Bruce is also on the board of BQES, Inc., a company that develops accounting and time management/billing software with an emphasis on web based applications.

Shane Dever, Director

Shane serves as a vice president in the investment banking division at Presidio Financial Partners. Shane joined Presidio in 2000, and heads Presidio 's Automotive and Auto Technology practices. Shane has been and has advised on M&A and capital raising transactions totaling nearly $1.5 billion including acquisitions such as BZ Results to ADP, Bar None to First American, Third Coast Media to Reynolds & Reynolds, OnStation to Cobalt Group and NetworkCar (Reynolds) to Hughes Telematics.

Shane graduated from Washington & Lee University with an Honors degree in Business Administration, with concentrations in Finance and Japanese. His honors thesis was entitled, “Consolidation of the US Auto Retail Industry.”

Timothy Downs, Director

Tim brings more than 20 years in marketing and media. Tim is co-founder and President of Shorecliff Communications since 1996, focused on technology exhibitions, executive conferences, web portals and publications in the wireless telecommunications and broadband communications industries. Corporate sponsors of Shorecliff exhibitions include Motorola, Alcatel, Nortel Networks, Tandberg TV, Texas Instruments, Intel, Siemens and Ericsson. In January of 2006, Shorecliff was acquired by United Business Media (UBM) a publicly held British media company and the largest B2B Technology publisher in the United States. Previously, Tim was publisher and editor of Broadband Wireless Business magazine, and founded the largest industry exhibitions in the world focused on IPTV (internet protocol television), broadband wireless systems and services, and RFID (radio frequency identification) technology.

David Metter, Director

David brings 20 years experience in the automotive industry and is currently President of Marketing for MileOne and Atlantic Automotive, a top ten dealer group. David’s day to day responsibilities include the direction and leadership of Mile One’s corporate, direct and e-commerce marketing, CRM, I.T., along with sales training and recruiting initiatives. He manages corporate partnerships with companies like the Baltimore Ravens and the American Cancer Society and provides assistance in acquisition strategies with Atlantic Automotive and Atlantic Capital. Previously, David held a leadership position with leading CRM provider, Autobase after spending years in dealerships as one of the top ranked Chrysler salesmen in the country, moving his way through the ranks to General Manager.

Pete Mac Innis, Chairman of the Board

Pete brings 30 years experience in the automotive industry. He began his career with WFS Financial where he spent 14 years in various management positions that helped grow the company from $100 Million in assets to over $4Billion serviced. While the current holder of the President 's Cup, awarded to the top producing department manager in the Bank, Pete left WFS and co-founded auto finance company Onyx Acceptance in 1993. The company which went public in 1996 was eventually acquired by Capitol One in 2005 for $191Million. Pete founded DealerCentric Solutions Inc. in 2003, recognized as the industry leader for online credit application programs. Pete has transcended his vast auto finance experience to the web, providing a better sale and finance experience for consumers and a more efficient process for the automotive industry.

Senior Management

Pete Mac Innis, Chief Executive Officer (See Bio above)

Vince Scardina, Chief Financial Officer

Vince Scardina brings 30 years extensive professional experience in Financial/Treasury Management and Strategic Planning within public and private financial service organizations. Vince joined Hyundai Motor Finance Company as their National Manager of Financial Analysis in 1990. Vince joined start-up auto finance company Onyx Acceptance Corporation in 1993. As EVP, Treasurer, Vince managed all retail bank, investment bank, trustee, surety, and rating agency relationships, negotiated all credit facilities and financings including a $100 million renewable unsecured subordinated note, over $1 billion in warehouse lines and priced and structured asset sales, public securitizations and origination flow programs totaling over $4 billion. Onyx, which went public in 1996, was sold to Capital One Auto Finance in 1995 for $191Million. In 2006, Vince co-founded GrayPoint Auto Finance as Chief Financial Officer, raising $10million venture capital,$32Million subordinated debt, $150Million warehouse line and grew assets to $175Million within 24 months. Vince holds a B.S. in Engineering and an M.B.A. in Finance/Accounting from U.C.L.A.

Neil Kessler, Chief Information Officer

Neil Kessler brings 15 years of experience leading IT organizations to increase productivity and create competitive advantages. Neil began leading IT organizations in 1994 while at Superior Vision Services, where he automated the order entry processes, increasing productivity by 27%. Between 1996 to 2000, Neil worked as an Interim IT Executive and Consultant and for startups and small businesses. Neil’s focus on increasing productivity and creating competitive advantages led to the creation of new and successful software products, as well as double digit productivity increases. In 2000, Neil joined Onyx Acceptance/Capital One. While there Neil built a reputation for partnering with the business executives and delivering software based solutions, exceptional in terms of quality and functionality. Neil’s leadership led to year over year productivity increases that saved $1Million in man hours, the reduction of IT expenses by $2Million, the optimization of audit clerk productivity by 75%, and the improvement of underwriter capacity by 30%, resulting in a record one month loan originations of $300Million. Neil holds a BA in Business Administration from California State University Fullerton.

Frank Marraccino, Vice President/Sales

Frank brings 28 years of extensive and diverse experience in all aspects of the Auto Finance Industry. He started his career with Western Financial Saving Bank as a collector and rose to the level of SVP in charge of Sales and Operations. After 13 years at WFS, Frank co-founded Onyx Acceptance Corp where he served as an Executive VP in charge of Sales and Operations. Under his leadership Onyx grew operations from 1 to 21 branches generating $300 million per month in 36 states, with total generation of over $15 billion in auto loans. In Jan 2005 Capital One purchased Onyx for $191M. Frank spent the next 2.5 years managing the successful integration of the Onyx Sales Team with Capital One. Frank graduated with a B.S. Degree in Organizational Leadership from Biola University.

Cindy Cook, Director/Operations

Cindy Cook brings 20 years of automotive industry experience. Cindy began her career working for a sub-prime auto finance company before joining WFS Financial in 1990, becoming the top producing loan officer for the bank. In1993, Cindy joined Onyx Acceptance in its start-up phase as the first hired employee, became the top producing loan officer and climbed the ranks to Dealer Center Manager in 1998. Cindy managed Onyx’s largest auto finance center, generating over $20Million per month in loan originations.

Cheri Norgaard, Director/Human Resources

Cheri Norgaard brings 30 years diversified management experience from accounting and HR to operations and sales. Cheri’s resume includes 8 years in the auto industry with Mazda corporate and also has entrepreneurial experience as a previous business owner.