John W. Kiefer
Chairman

Mr. Kiefer has been with the company since 2003.

Prior to First Capital, Mr. Kiefer was the CEO for Capital Factors, Inc., a wholly owned subsidiary of Union Planters Corporation. Mr. Kiefer was previously a member of the Board of Directors for Capital Bank and served as Chairman of the Board of Directors for Capital Factors. Capital Factors grew its annual factored volume from approximately $200 million to over $4 billion during Mr. Kiefer's term as CEO.

Prior to Capital Factors, Mr. Kiefer held various senior executive positions with Barclays Bank (where he started their New York factoring business in the early 1980's, growing to $1 billion in annual volume in approximately five years), National Westminster Bank and Bankers Trust.

Mr. Kiefer received his BBA in Finance from Pace University, his MBA from Long Island University and is actively involved in programs and charities that help today's adolescents.

R. Lee Wilson
President & CEO

Mr. Wilson joined the company in 2009. He has over 30 years of in-depth experience in the banking and financial services industry.

Prior to joining First Capital, Mr. Wilson was Managing Director of Greenwich Advisors, a professional services firm providing strategy consulting to the financial services industry. He started his career at Booz, Allen & Hamilton where he spent nine years and was a partner in the Financial Services Practice. He then joined M&I Bank where he served as Executive Vice President, running the Retail Banking
Business. In 1994 he joined Chemical Bank as an EVP serving as deputy to the Vice Chairman running the Retail Bank. When Chemical merged with Chase Manhattan Bank he continued in his role and ran the merger office as well. After Chase, Mr. Wilson went to work for Equitable Life as Deputy Chief Financial Officer and subsequently as EVP of the Market and Product Management Group until he
founded Greenwich Advisors in 2001.

Mr. Wilson received his MBA from the Harvard Graduate School of Business Administration. He earned a B.A. in Economics from DePauw University in Greencastle, IN where he currently serves as Vice Chairman of the Board of Trustees.

Thomas "Tim" W. Strachan
Senior Executive Vice President & Chief Credit Officer

Prior to joining First Capital, Mr. Strachan founded T & B Connections, LLC, a continuation of MetSource Capital, LLC, of which he was co-founder, managing director and 20% owner. At both T&B Connections, LLC and MetSource Capital, LLC, he worked on advising clients in areas such as due diligence examinations for lending institutions, venture funds and private institutions, firms operating in bankruptcy and performing forensic accounting functions.

Mr. Strachan previously served as executive vice president for BNY Financial Corporation, a wholly-owned subsidiary of the Bank of New York Company, Inc. and its successor Corporation, GMAC Commercial Credit. Prior to BNY, he served as senior vice president for North Fork Bank, where he was responsible for the development of the Asset Based Lending Unit for the Bank and head of the ABL Unit, including credit approval authority.

He has also served as vice president for Bankers Trust Company, where he was actively involved in "special situation" transactions including Leveraged Buyouts, DIP Financing, workouts and structuring prospective transactions.

Mr. Strachan has a BBA from the University of Notre Dame, Notre Dame, Indiana and is a member of the Sorin Society of Notre Dame and a member of the Board of Directors of Christian Brothers Academy in Lincroft, NJ.involved in programs and charities that help today's adolescents.

Mark Hogard, CPA
Executive Vice President & Chief Financial Officer

Mark Hogard is responsible for financial planning and operations. Mr. Hogard was previously Executive Vice President and Finance and Administration Manager at First Capital. Prior to First Capital, Mr. Hogard held senior positions at Southwestern Bank in Oklahoma City, Central Bank & Trust in Fort Worth and KPMG in Oklahoma City. Mr. Hogard is a Certified Public Accountant and received a Bachelor's of Accountancy from the University of Oklahoma.

Glen R. Stein
Executive Vice President & Chief Capital Markets Officer

Mr. Stein leads First Capital's funding and capital markets strategies. He has over
20 years experience in commercial lending, structured finance and capital markets.
Prior to joining First Capital, Mr. Stein served as the Chief Financial Officer of eNeighborhoods, a real estate technology company. He was the General Manager of Ocwen Federal Bank's commercial finance division, including its commercial mortgage servicing, special servicing and multifamily property business lines. Prior to Ocwen, Mr. Stein has served in management positions at Bayview Financial, UniCapital and Prudential Securities Investment Bank's Structured Finance Group. He began his career practicing corporate law at Winthrop, Stimson, Putnam & Roberts (now Pillsbury Winthrop).

Mr. Stein is also Co-Chairman of Duvera Financial, a consumer finance and billing company he founded in 2001. He serves the advisory board of the Florida Atlantic University Center for Autism and Related Disabilities. Mr. Stein served as Chairman of the Young Presidents' Organization's Palm Beach Chapter in 2008-2009.
Mr. Stein received his B.A. from Amherst College in 1986 and his J.D. from Columbia Law School in 1989.

Thomas F. Berner
Executive Vice President & Corporate Counsel

Thomas F. Berner is Executive Vice President and General Counsel of First Capital. In this role, he is responsible for all legal affairs.

Mr. Berner has experience working in international forums including serving as an advisor to the United Nations Assignment of Receivables Convention (i.e., the UN Treaty that regulates international trade receivables).

Prior to his position at First Capital, Mr. Berner was a Partner with the international law firm of Katten Muchin Rosenman LLP, and held a previous position as a lawyer at Dewey Ballantine. At both Katten Muchin and Dewey Ballantine, Mr. Berner focused on commercial transactions and financings and has represented both borrowers and lenders in a wide variety of secured lending transactions.

After 9/11, Mr. Berner joined the U.S. State Department to serve in Kabul, Afghanistan as Senior Legal Advisor in an experimental unit called the Afghanistan Reconstruction Group. His mission while there was to advise all aspects of legal development projects by the international community.

Mr. Berner is a graduate of the University of Wisconsin where he graduated with Honors, was elected to the Phi Beta Kappa society. He attended law school at Columbia University where he was a Harlan Fiske Stone Scholar and an Editor of the Columbia Journal of Transnational Law.

Ellen Finnerty SPHR,
Senior Vice President of Human Resources

Ellen Finnerty is Senior Vice President of Human Resources for First Capital. In this role, Ms. Finnerty is responsible for all aspects of human resources, employee development and training and facilities. Her strategic approach to human resources is characterized by a keen focus on helping First Capital accomplish the firm's business and financial goals.

Ms. Finnerty has worked in the financial services industry since 1997 and has approximately 20 years of human resources experience in building company environments that encourage management and employees to achieve their full potential.

Prior to joining First Capital, Ms. Finnerty was Vice President, Human Resources Director for Fidelity National Information Services, a Fortune 500 financial services company. Previously, she was Senior Vice President, Human Resources Director for Palm Beach National Bank & Trust, where she built a comprehensive human resources program.

Ms. Finnerty holds a B.A. degree in Sociology from the University of Florida and is certified as a Senior Professional in Human Resources (SPHR).

Jay Atkins
Executive Vice President and President, First Growth Capital

Manager of the First Growth Capital division of First Capital. Mr. Atkins joined the company after it acquired his consulting business, Assured Consulting. Mr. Atkins has over 20 years of experience in finance, consulting and management. Prior to founding Assured Consulting, he developed such companies as Sun Capital and, in 1999, his own firm, Source One Financial, which was later sold to Bibby Financial Services, Inc. where he served as CEO until May 2006. Mr. Atkins is a graduate of the University of Charleston where he earned his Bachelor's degree in finance. He is a nationally recognized speaker and trainer for the International Factoring Association (IFA) and has consistently been rated an A+ lecturer and presenter by students and attendees.

Matthew R. Begley
President, Siemens First Capital Commercial Finance, LLC

Matheew R. Begley is responsible for the day-to-day management of First Capital's interest in Siemens First Capital Commercial Finance, LLC, a joint venture between Siemens Financial Services and First Capital.

Prior to this role, Mr. Begley was the asset-based lending manager and factoring portfolio manager for First Capital's Western Region. His responsibilities included overseeing all aspects of commercial finance facilities in excess of $250 million.

Previously, Mr. Begley held senior positions at Capital Factors and Transamerica Business Credit. He has experience in international trade finance, asset-based lending, factoring, equipment finance, and several types of warrant-backed debt products.

Mr. Begley holds a B.A. in Political Science from Cal Poly San Luis Obispo in California and an MBA from Pepperdine University.

David Lutfey
Senior Vice President & IT Director

Mr. Lutfey is responsible for the information technology department, systems and services throughout the company. Mr. Lutfey has 25 years experience in systems integration and development in the NY and Florida markets.

Prior to joining First Capital, Mr. Lutfey spent the last 14 years as the CIO / MIS Director for the operations division of Capital Factors, Inc located in Ft. Lauderdale FL. Mr. Lutfey held a similar position for 11 years at Schenkers Int’l Forwarders located in the World Trade Center in NYC.

Mr. Lutfey received a BS degree in Computer Science from the University of Buffalo.

John A. Curtis
Executive Vice President & Midwest Regional Manager

Mr. Curtis has over 20 years of lending experience. Before helping start-up First Capital in 1988, he worked for Whirlpool Corporation in their floor planning division, the First Asset-Based Lending Group, a wholly-owned subsidiary of First National Bank of Oklahoma, and Scrivner Foods, a billion dollar wholesale food distributor. In August of 1988, he joined First Capital and has held various positions with the company through is development and growth. Mr. Curtis received his B.A from Oklahoma State University in Finance and his MBA from Oklahoma City University.

Ellen E. Ferri
Executive Vice President & Southeast Regional Manager

Southeast Region Manager, is responsible for managing the Southeast Region’s ABL and Factoring business.

Prior to First Capital, Ms. Ferri served over ten years as Vice President and Manager of Factoring Portfolio for Capital Factors, Inc. in Florida. Prior to Capital Factors, Ms. Ferri held various positions with the ABL units of Citicorp, Chrysler Capital and Southeast Bank. Ms. Ferri received dual B.A. degrees from Southern Connecticut State University.

Ronald Garber
Executive Vice President & Western Region Manager

Ronald Garber is Executive Vice President and Western Region Manager for
First Capital. In this capacity, Mr. Garber oversees all aspects of the operations for
First Capital's Western Region located in Los Angeles, California.

Mr. Garber has more than 40 years of experience in the financing industry. He was previously Senior Vice President and Team Leader of CIT Commercial Services. Before joining CIT, Mr. Garber was Executive Vice President and Western Regional manager at HSBC Business Credit. Prior to that role, he held significant leadership positions with other factors, including Republic Factors, Meinhard Commercial, Associates Commercial Corp., and Manufactures Hanover Commercial Corp.

Mr. Garber studied accounting at Pace College in New York and received an Executive Award in Credit and Financial Management from Stanford University. He is a Chairman of the Commercial Finance Conference of California (CFCC), a member of the Textile Professionals Club, and also a member of the Commercial Finance Association

Ric L. Mazza
Executive Vice President & Northeast Regional Manager

Ric L. Mazza is Executive Vice President & Northeast Regional Manager for First Capital. In this capacity, he is responsible for the asset-based lending and factoring divisions in First Capital's Northeast Region.

Mr. Mazza has 40 years of experience in the credit and factoring industry. Prior to joining First Capital, Mr. Mazza spent 15 years as the Client Administration Manager for the New York division of Capital Factors, Inc. Mr. Mazza held a similar position at Bankers Trust for 10 years. He was also previously affiliated with CIT, National Spinning, Collins & Aikman and West Point Pepperel in the credit department.

Mr. Mazza received a B.B.A. in Marketing as well as an M.B.A. in Financial Management from Iona College in New York.

John Nooney
Executive Vice President & MidSouth Regional Manager

Mr. Nooney is responsible for overseeing all aspects of First Capital's MidSouth Region office located in Atlanta, Georgia.

Before becoming the Regional Manager, Mr. Nooney served as Portfolio Manager in First Capital's Los Angeles office and later in the firm's Atlanta office. Prior to First Capital, he was Executive Vice President & Southeast Regional Manager for GE Capital Commercial Finance. He's also held various credit positions at Capital Factors and Heller Financial.

Mr. Nooney attended California State University Northridge and has been active in both the Atlanta and Carolinas Chapter of the CFA and TMA, City of Hope, and the Los Angeles Chapter of Catholic Big Brothers.