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Timothy L. Frank was appointed as our Senior Vice President of Retail, effective May 26, 2005. He joined us in September of 1995 and has served in various leadership roles throughout our Company, including Director of Advertising, Director of Credit, Director of Legal - Collections, Director of Direct Marketing, and most recently as Vice President of Special Projects. Prior to joining our Company, Mr. Frank served in various marketing positions with a nationally known marketing consulting company. Mr. Frank holds a BS in Liberal Arts from Texas A & M University and an MBA in Marketing from the University of North Texas. Mr. Frank has also completed a post-graduate program at Harvard University. | 