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BRON D. HAFNER founded Celtic Capital in 1982. Having begun his career with Union Bank in 1961, Mr. Hafner moved into asset based lending in 1963 with Civic Western Corporation and its successor, Aetna Business Credit; and then co-founded and served as President of Financial Guild of America until 1982. He is an active member of the Commercial Finance Association (National) and has served as Director (1983-1999); Member of the Executive Committee (1986-1990 and 1991-1996); Chairman of Small/Independent Finance Company Committee (1985-1988) and a Member of the Western Committee on Education (1983-1987). He is also an active member of the Commercial Finance Conference of California, Inc. and has served as Director (1983-1997); Vice President (1985-1987); President (1987-1989) and Chairman (1990-1991) | 