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MANAGEMENT JOEL RABINOWITZ President and Chief Executive Officer Mr. Rabinowitz has been actively engaged in the acquisition and recovery of non-performing loans for 40 years. He is regarded as an expert in the field. His companies have collected on all types of debt from medical to sophisticated commercial credit. -------------------------------------------------------------------------- MITCHELL DOMERSHICK Senior Vice President and Chief Operating Officer Mr. Domershick is the company’s Senior Vice President of Business Development. With over 25 years of experience, he acquired his expertise in the acquisition and recovery industry as the president and owner of NTL Capital, LLC and the FGNY Group. -------------------------------------------------------------------------- ELIZABETH SCHAEFER General Counsel/Chief Compliance Officer Ms. Schaefer is the company’s General Counsel and Chief Compliance Officer. She oversees outside counsel around the country and compliance issues as well as corporate matters for the company. -------------------------------------------------------------------------- MITCHELL BRODER CPA Mr. Broder is the company’s accountant providing internal auditing and tax reporting. -------------------------------------------------------------------------- STEVEN RATNER Controller Mr. Ratner manages the company’s accounting department, providing the financial reviews and analysis of the financial data. He liaisons with the company’s independent auditors and bank executives.

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