Henry M. Baroco
Chief Executive Officer and Director

Mr. Baroco currently serves as Chief Executive Officer of RMSA, a position he assumed on January 31, 2003. Mr. Baroco is also Chief Executive Officer of Private Business, Inc., RMSA's parent company. Prior to becoming Chief Executive Officer of Private Business, Mr. Baroco served as the company's Chief Operating Officer beginning in 2001 when Private Business merged with Towne Services. There, Mr. Baroco had served as Chief Executive Officer from October 1999 to February 2000. Mr. Baroco also served as president, chief operating officer and a director of Towne Services from September 1996 until October 1999. Prior to joining Towne, Mr. Baroco was senior vice president and general manager of the vendor finance division of CIT Industrial Finance, and had also served as senior vice president of Sales and Marketing for Norwest Equipment Finance. Mr. Baroco also has more than 19 years of experience with GE Capital, where he last served as national sales manager of its Vendor Finance business.

Barbara Miller
Chief Operations Officer

Ms. Miller currently serves as Chief Operating Officer of RMSA, a position she assumed in December 2000. As COO, Ms. Miller is responsible for all aspects of operational issues with RMSA, which include product development, enhancements, financial planning, data processing, and product control. Prior to being promoted to COO, she served as Vice President of Operations and Human Resources for RMSA. Ms. Miller started her career with RMSA in June 1979 as an Account Executive. Prior to joining RMSA, she was a buyer for a Southern California-based pharmaceutical chain. Ms. Miller also served as an Administrator for a Southern California-based construction company.

Paul Erickson
Senior Vice President, Client Services

Paul Erickson presently serves as Senior Vice-President, Client Services, of RMSA. Widely recognized for his talents as a retail educator, Mr. Erickson has conducted seminars throughout North America on topics that include fundamentals of retail merchandising, strategies of merchandise planning, the effect of computers on bottom-line profits, and what independent retailers can learn from franchises. Mr. Erickson previously served as Vice President for CAM Commerce Solutions, Inc., the largest supplier of microcomputer-based inventory management and point-of-sale solutions for small-to-medium size retailers. Prior to joining CAM Commerce Solutions, Mr. Erickson founded Access Retail Management, Inc., a company offering merchandise forecasting and cash flow management for independent retailers. While President of Access, Mr. Erickson oversaw product development, financial control, marketing and consulting services. He is a graduate of the University of Wisconsin with a BS degree in Marketing.