JOE B. GARZA is a Partner of Garza & Harris, Ltd. and a principal of The Pension Company which manages $1 billion of investment assets. Education: Southern Methodist University (B.B.A., J.D.) Member: State Bar of Texas, was a Texas Supreme Court Briefing Attorney and has been a Nationally Recognized Bond Counsel (Red Book) since 1985.His major areas of practice include merger and acquisition negotiation and implementation, tax exempt financing, business organization and succession planning, income tax and estate planning, securities transactions, and retirement plan consultation. He has structured, negotiated and closed more than $300 million of debt transactions and more than $500 million of Tax exempt bond transactions as Bond Counsel for the State of Texas.

CAMERON M. HARRIS, Principle at M & A Capital Group

Education: University of Arizona (B.S.B.A.), University of Texas (J.D.), New York University (L.L.M. in Taxation) Member: State Bar of Texas, Certified Public Accountant (non-practicing), Nationally Recognized Bond Counsel (Red Book).

His major areas of practice include merger and acquisition negotiation and implementation, business organization and succession planning, income tax and estate planning, and employment and retirement plan consultation.

Harris is a frequent speaker to professional groups regarding income and estate tax planning, has served as an adjunct professor in the University of Dallas Graduate School of Management in tax planning courses and is a Director of the Majestic Ranch Arts Foundation.

JOE B. GARZA, Jr. is Vice President (Finance) of M & A Capital Group and owner of VerTex Real Estate Group. He was Vice President (Finance) of The Pension Company, and was Co-Owner of Uptown Realty.

Education: Graduated from The University of Texas at Austin (BBA) Bachelor of Business Administration, Finance (McCombs School of Business) and is currently attending Southern Methodist University (MBA) Masters of Business Administration, Strategy (Cox School of Business)

Terry Cumbey is a Certified Public Accountant Accredited in Business Valuation, Certified Valuation Analyst, Personal Financial Specialist, Certified Financial PlannerTM and a Graduate of the University of Oklahoma with a Bachelors of Business Administration degree in Accounting.

His major areas of practice include income tax planning and consultation, business valuation, estate and gift tax planning, exit strategies, business sale and acquisition planning and general business consultation.

Cumbey is a member of the National Association of Certified Valuation Analysts, American Institute of Certified Public Accountants and Oklahoma Society of Certified Public Accountants. He is a past Member of the AICPA Trust, Estate and Gift Tax Committee, past Member of the Board of Directors of the Oklahoma Society of Certified Public Accountants, past Chairman of the OSCPA Professional Continuing Education Committee and past Treasurer of the Tulsa Chapter of the Arthritis Foundation.

John Curzon is a Certified Public Accountant Accredited in Business Valuation, Certified Valuation Analyst, Certified Merger & Acquisition Advisor and a Graduate of the University of Kansas, with a Bachelors of Science degree in Accounting and Business Administration.

His major areas of practice include business valuation, merger and acquisition consulting, business organization and strategic planning, income tax consultation, financial planning services, estate and retirement planning, operational strategies and business succession planning.

Curzon is a member of the National Association of Certified Valuation Analysts, Alliance of Merger & Acquisition Advisors, American Institute of Certified Public Accountants and Oklahoma Society of Certified Public Accountants. Curzon is the Chairman of the Professional Ethics Committee of the Oklahoma Society of Certified Public Accountants. He is also a member of the Editorial Board of the OSCPA CPAFocus professional magazine and a contributing author. He is a former Member of the Technical Standards Subcommittee of the American Institute of Certified Public Accountants Professional Ethics Committee.