Mr. Burchetta has been Co-Chairman of the Board, and Chief Executive Officer since January 2003. Mr. Burchetta is the Co-Founder of Debt Resolve as well as the Co-founder of Cybersettle, Inc., which settles insurance claims over the Internet, and served as its Chairman of the Board and Co-Chief Executive Officer from 1997 to August 2000 and as its Vice Chairman from August 2000 to February 2002. Prior to founding Cybersettle, Mr. Burchetta was a Senior Partner in the New York law firm of Burchetta, Brofman, Collins & Hanley, LLP, where he practiced insurance and corporate finance law. Mr. Burchetta received a B.A. degree from Villanova University and a J.D. degree from Fordham University Law School and is a member of the New York State Bar.

Mr. Brofman has been a member of our Board of Directors since January 13, 2003. Mr. Brofman was formerly our non-executive Co-Chairman of the Board . Mr. Brofman was the co-founder of Cybersettle and has served as a director and its President and Co-Chief Executive Officer since 1997, becoming its Chief Executive Officer in August 2000. Prior to founding Cybersettle, Mr. Brofman was a Senior Partner in the New York law firm of Burchetta, Brofman, Collins & Hanley, LLP and, prior to that, was an Assistant District Attorney in New York. Mr. Brofman received a B.S. degree from Brooklyn College, City University of New York and a J.D. degree from Fordham University Law School and is a member of the New York State Bar.

Mr. Carey has been a member of our Board of Directors since February 2007. Mr. Carey is the Founding Partner of The Carey Group, LLC, a consulting and economic development services firm which also provides government relations services. He is a lawyer, and has over 20 years of experience in economic development, finance, banking, and government relations. Prior to starting the Carey Group, Mr. Carey served as a Special Advisor to New York City Mayor Michael R. Bloomberg in 2002, focusing on special projects, including the City’s takeover of the Board of Education, as well as overseeing the School Construction Authority. From 1999-2002, Mr. Carey was President of the New York City Economic Development Corporation (EDC) during the administration of Mayor Rudolph W. Giuliani. Mr. Carey also served as the EDC’s First Executive Vice President and General Counsel from 1997-1999. Mr. Carey oversaw the economic development and revitalization of a number of different projects. Prior to joining the EDC, Mr. Carey was a Managing Director at the investment banking firm Cambridge Partners, where he specialized in municipal finance and financial products. Before joining Cambridge, he was a partner with the law firm of Whitman Breed Abbott & Morgan, where he practiced corporate and commercial litigation. Mr. Carey began his career at the law firm of Paul Weiss Rifkind Wharton & Garrison. He is a graduate of Fordham University School of Law and the Catholic University of America.

Mr. Dwyer has been a member of our board of directors since February 2003. Mr. Dwyer is the former President of the Westchester County Association Inc., having served from 1994 to 2003, and is active in local, state and national politics. The Westchester County Association is a member of the Business Council of New York State and its membership includes many Fortune 500 companies. Mr. Dwyer also presently serves on two regional task forces for New York Governor George Pataki. Mr. Dwyer has been the Chairman of the Westchester, Nassau & Suffolk Municipal Officials Association, New York State Ethics Advisory Board, and presently serves on the board of directors of the Lubin School of Business at Pace University, The Westchester Land Trust, Westchester Business Accelerator, Transportation Management Organization, The Lyndhurst Council, The Westchester Housing Fund and Westchester Community College Foundation. Mr. Dwyer received an M.A. degree in education and an M.A. degree in administration from Teachers College at Columbia University.

Mr. Mooney has been a member of our board of directors since April 2003. Mr. Mooney is currently President of the Westchester County Association, and also serves as Senior Vice President at Independence Community Bank. Mr. Mooney has been involved in the banking sector in an executive capacity for more than 30 years. Prior to joining Independence Community Bank, he served for four years as an Executive Vice President and member of the management committee of Union State Bank, where he was responsible for retail banking, branch banking, and all marketing activity. Mr. Mooney also spent 23 years at Chemical Bank and, following its merger with Chase Manhattan Bank, he was a Senior Vice President with responsibilities including oversight of all retail business. Mr. Mooney was the President of the Westchester Partnership for Economic Development. He also held the position of Chairman for the Westchester County Association, past Chairman of the United Way Westchester and Chairman of St. Thomas Aquinas College. He has served on the board of trustees for New York Medical College St. Agnes Hospital, the Board of Dominican Sisters and the Hispanic Chamber of commerce. Mr. Mooney received a B.A. degree in business administration from Manhattan College. He also attended the Harvard Management Program and the Darden Graduate School at the University of Virginia.