Harold Montgomery is the Chairman and CEO of Calpian, Inc. (OTC: CLPI), an electronic payment processing company with operations in the US and India, where the company operates the country’s largest cell phone-based payment network. Montgomery has 23 years' experience in the transaction processing business, and is a widely known industry authority, speaker at regional and national trade shows, and writer for industry journals. He has been a resource for the Federal Reserve Bank Card Payment Center in Philadelphia and has testified before Congress as an expert witness on credit card legislation. Montgomery is a native of Dallas, Texas. He received his BA and MBA degrees from Stanford University. He currently serves on the Board of Trustees for the Communities Foundation of Texas and the Board of St. Mark’s School of Texas. He has served as President of the Dallas Committee on Foreign Relations and Young Audiences of Greater Dallas. He is a member of the Council on Foreign Relations in New York, and was a member of the Young Presidents’ Organization from 1991 to 2009.