Global

Neil Wood Managing Director Founder, Past Chairman & Group Managing Director - TCM Group International (L) Ltd. Institute of Mercantile Agents - Past State President/ National Vice President. Associate Fellow - Australian Institute of Management Certified Collector - International Fellowship Certified Collectors Member - World Association of Detectives, World Investigators Network. Associate Senior - Australian Institute of Credit Management Past Chairman - International Directors - American Collectors Association (Six years) In 1994 and 2000, Neil was awarded ACA International's highest international honor, the "International Paul Bunyan Award" Member - International Association Insurance Fraud Agencies Member - Australian Insurance Institute Justice of the Peace - Victoria, Australia In 2001, Neil was certified Master Credit Executive (MCE), the most prestigious certification offered by The Society of Certified Credit Executives (SCCE)

Adam Wood General Manager Committee member - Hong Kong Australia Business Association Associate - Australian Institute of Credit Management Associate - Institute of Mercantile Agents Diploma - Financial Services In 1998, Adam spent 2 years working with the US & Europe In 2000, Adam spent 2 years with Arthur Andersen, working for the Business Fraud Investigation Services (BFIS) Unit

Leane Maddren Administration Manager Leane has 19+ yrs experience in the credit & collection industries. Appointed Collections Manager of TCM P/L (1990); Leane continued as Collections Manager when the company was sold in 2002, however returned to Global Credit Solutions Pty Ltd in the capacity of Administration Manager in 2004 Leane has been instrumental in the development, installation & upgrade of two purpose built Collections software systems, & continues to be involved in this area.

John Vasil Operation Manager John has 20+ yrs experience in the credit, collection & investigation industries; Between 1986 & 1998, John was "Claims Manager" for one of Australias largest insurance companies John joined TCM (1999), & continued on with Collection House when the business was sold to them in 2001 John rejoined Neil & Adam in October 2004 & accepted the position of Operations Manager

Tal Gur IT/Business Development Manager Tal has 10+ yrs of experience in the Information Technology industry; Diploma in Business management & a Diploma in Network administration (MCP) from Microsoft Corporation (1998); Bachelor degree (BA) in Computer Science (2002); Masters of Information Management & Systems (MA), Monash University, Australia (2005) Currently completing his Master in Business Administration (MBA) Throughout his professional career, he has been responsible for several key roles such as Project management, Software development and web design.

Asia Pacific

Bob Garters Regional Director - Asia Pacific Managing Director RML (NZ) Ltd Group of companies (Part of RMG Pty Ltd); 38 years experience in the collection industry having been involved in start up businesses to senior management and directorate roles with public and private companies; Managing Director Receivables Management (NZ) Ltd; Managing Director Southern Receivables Ltd; Managing Director Creditnet International Ltd;

Greater China

Ben Wong Regional Director - China Foundation Chairman of the Hong Kong Credit & Collection Management Association - HKCCMA Director Asian region, International Unit of ACA International - Chairman 3 years. In 2000, Ben was awarded ACA International's highest international honor, the "International Paul Bunyan Award" In 2001, Ben was certified Master Credit Executive (MCE), the most prestigious certification offered by The Society of Certified Credit Executives (SCCE)

Africa

Joseph Zakaria Mambia Regional Director - Africa Founder of Harvest Tanzania Ltd. 7 years in the field of Debt Collection Services. Diploma - Business Administration Member - Tanzania Chamber of Commerce, Industry and Agriculture (TCCIA). Member - World Shorinji Kemp Organization. Attended GCS-Conference in Lisbon, Portugal, Singapore and Las Vegas, NY.

Europe - (North)

Carl Hackman Regional Director - Europe - (North) 15 years in private practice in London prosecuting and defending complex financial frauds. Has provided anti fraud advice to large public & private sector organisations. Litigation Director of CCI Legal Services Ltd Written many articles relating to the credit industry for a various publications. Frequent guest speaker at AGMs and training events addressing a variety of legal topics as they relate to the credit industry. Married with three young children

Caribbean

Albert V. Knowles Regional Director - Caribbean The Only TEXACO ISLAND SCHOLAR from TRINIDAD & TOBAGO to read for the BAR in ENGLAND since 1962. Graduated from Grays Inn London as a Barrister at Law age 23. 22 YEARS in the COLLECTION INDUSTRY. MEMBER of Trinidad & Tobago LAW SOCIETY & T'DAD CHAMBER of COMMERCE MEMBER of ACA International, IACC and THE COMMERCIAL LEAGUE of LAWERS. QUALIFIED with LLB HONOURS at KINGS COLLEGE UNIVERSITY of LONDON ENGLAND INNER BARRISTER at GRAYS INN, LONDON in1966 (UPPER SECOND) FORMER MANAGING- DIRECTOR of T. GEDDES GRANT in Trinidad & Tobago. FORMER REGIONAL LEGAL ADVISER for TEXACO TRINIDAD LIMITED based in Port of Spain, Trinidad Spoken Languages - Fluent in French , Spanish, English CONSULTANT & CHAIRMAN of three privately owned Companies in Trinidad & Tobago (now employing over 100 direct employees in the AV KNOWLES GROUP). Specializing in DEBT COLLECTIONS & CREDIT INFORMATION REPORTING with the largest online data bases of credit delinquencies (CONSUMER and BUSINESS profiles) in Trinidad & Tobago.

North America

Bill Lovitt Regional Director - North America Senior Vice President – Client Relations. Certified Credit Executive (CCE) and Certified Expert Witness (CEW) designations through the National Association of Credit Management (NACM) Certified International Credit Professional (CICP) designation through FCIB - An Association of Executives in Finance, Credit and International Business MBA from Loyola University Chicago. Over 25 years of experience in the fields of credit and collections, operations, sales, accounting and marketing Served on the Boards of NACM/Midwest and The Advertising Media Credit Executives Association (AMCEA) and on numerous committees within both organizations Held office of Area Governor for Toastmasters International and served two terms as President of Palatine Toastmasters Frequent guest speaker for NACM/Midwest.

Central America

Francisco Del Carpio Regional Director - Central America 10 years in the collection industry; Member - ACA International; American Bar Association and Dominican Bar Association; University Graduated at Law, 1993; Magister in Business Law, PUCMM University, Dominican Republic, 2002; LLM Droit Private University Sorbone Pantheon Assas, Paris II, France, 2005; Fluent in English, French and Spanish Professor contracts and procedure laws at the Universidad Cat?lica Santo Domingo (UCSD) Former Legal Collections Director for leading bank in DR Participant at Management Program for Lawyers , Yale University Attendant various international collection congresses. Currently engaged as litigation, business and collection lawyer; Founder partner Del Carpio & Asociados ( Law Firm located in Dominican Republic)

South America

Octávio José Aronis Regional Director - South America Born in São Paulo, São Paulo, Brasil. Setember 19, 1958. Admitted to Bar Association (Ordem dos Advogados do Brasil - Secção São Paulo), on May 12, 1983. Bar ID nº 70.929. (SP), Brasil. Education: Faculdades Metropolitanas Unidas, São Paulo (1982). Extension At University Of Califórnia - Los Angeles (1984/1985). Languages: Portuguese and English Practice Area: Criminal Law – Commercial Law Legal council of São Paulo´s Israeli Federation. Conselor of Hospital Israelita Albert Einstein

Japan

Iwao Yoshizaki Director - Japan Market 8 years experience in senior management in the advertising and marketing professions in one of Japan's leading advertising company 's "Hakuhodo" after graduating from Keio University, Tokyo. Served 6 years as Senior Manager of the marketing research company "Nihon Research Center" General Manager Japan branch for 8 years for " Royal Selangor " - Malaysian international pewter manufacturer (established and developed this company in the Japanese market and was responsible for all management , marketing and sales, etc.) M r Yoshizaki moved to H ong Kong to join Pro Fast Co., Ltd. as the Managing Director, developing a sakes market for supply to the watch industry specialising to Citizen and Casio for 5 years. He was appointed President and partner of a leading exporting company sourcing and providing various products ( from premium gifts to catologue promotion ) from China to the Japanese importers and was responsible for consulting and assisting the Chinese m anufacturers develop their market in Japan for more than 13 years.

Middle East

Ebrahim F. Jawad Regional Director - Middle East Ebrahim has 15 years sales management experience and 13 years experience in the collection industry Managing Director of Al-Nabaa Commercial Services (NCS Collection) Director of HumanArt a Human Resources Development establihsed in 2004 Director and partner in Infinity for Investment Company a real estate developer Member of ACA International Member of number of social associations Fluent in Arabic, English and Persian

Special Projects

Michael N Collyer Special Projects Director Royal Military Academy, Sandhurst, England, and UK Served in British Army - Senior Officer Royal Military Police for 20 years Consultant, in security, investigations and logistics to global trading organization Appointed CEO of OVAG international AG and embarked on an expansion plan to include the opening of offices in USA and South Africa increasing turnover by 50%. Opening a fully owned subsidiary in UK specializing in Investigations and business enquiries but with particular interest in fraud. Developed a specialist unit to record statements for class actions and a particular product whereby the investigations of fraud were subsidized by an insurance company who would be paid from the proceeds of the recovery of the fraud. Holder of a UK board of trade Yachtmasters ticket. (Licence for power and sail up to 200 tons) British national - Swiss resident

Personnel
Global Credit personnel cover the key disciplines of Consumer and Commercial Credit, Trade and Business Reports, Debt Collections, Investigations and Credit Consultancy.

All personnel have been appropriately trained to fulfill their job definitions and to provide our clients with a high level of professionalism at all times. They specialise in their own areas of expertise and the majority of key personnel have been in the collection industry for more than a decade therefore bring with them a wealth of current knowledge and expertise.

This combined with negotiation skills sensitive to individual circumstances, ensures the clients requirements are professionally dealt with and in every circumstance the debtors obligations are analysed, and appropriate action taken to promote a speedy and satisfactory result.

The principals of Global Credit Solutions Ltd have a minimum of forty (40) years experience, many of them have built their business into their countries leading debt collection and credit service provider. A number have served as leaders in their respective national and international professional associations.