Kenneth B. Shilson, CPA, is a Principal in Shilson, Goldberg, Cheung, & Associates, LLP, a CPA firm located at 2180 North Loop West, Suite 260, Houston, Texas, (phone) 713-290-8171, (fax) 713-290-8183, www.kenshilson.com and President of Subprime Analytics. His CPA firm provides audit, accounting, tax, and consulting services to more than three hundred-fifty (350) subprime auto finance clients throughout the country. Subprime Analytics provides state-of-theart electronic subprime portfolio credit loss analysis.

Ken has helped pioneer an IRS approved tax strategy for "Buy Here / Pay Here" dealers regarding the use of a related finance company. He has authored numerous articles on accounting, tax and other matters related to the used car industry. He has also been a speaker at numerous automotive national conferences and conventions. He is a member of the A.I.C.P.A., the T.S.C.P.A., and the litigation services committee of the Houston Chapter of the T.S.C.P.A. Ken is a graduate of Miami University, Oxford, Ohio, a member of N.I.A.D.A, H.I.A.D.A, T.I.A.D.A., and the founder of NABD, a special interest group for the Buy Here, Pay Here Industry.