Professional, Prompt, Precise...Truly Global

GLOBALCREDIT, COLLECTIONS

& RISK MANAGEMENT TRENDS

SHERATON WALL CENTRE VANCOUVER, CANADA

Wednesday September 15, 2010

Proudly Hosted by

Professional, Prompt, Precise

Morning Program

12:00 noon Buffet Luncheon / Networking Session

8:00 am Registration / Coffee

Welcome from Better Business Bureau8:40 am Simone LisVice President, OperationsBetter Business Bureau

Tiku PatelChief Operating OfficerAktiv Kapital

10:30 am Global Debt Buying Trends

9:15 am The Canadian Perspective Helmut PastrickChief EconomistCentral 1 Credit Union

11:30 am Pan-Africa Emerging Trends in Emerging markets Sam OmukokoManaging Director Metropol East Africa Ltd.

8:50 am Global Credit & Risk Today Albert KnowlesChairmanAV Knowles Group

11:00 am Debtor Ledger Management - Predictive Analysis

Paul HiltonChief Operating OfficerReceivables Management Ltd

Branton Kenton Managing DirectorVortex DNA

Together with

SPONSORED AND SUPPORTED BY

REPOSSESSION SPECIALISTS

8:30 am Formal Opening by Mr Don Fast Don FastDeputy Minister, Province of British ColumbiaMinistry of Small Business, Technology & Economic Developement

9:45 am Morning Break / Networking Session

8:20 am Introduction Kevin Terrell (MC)President & CEOHarvest Credit Management Ltd

Professional, Prompt, Precise

Afternoon Program

3:00 pm

5:30 pm Global Networking - Meet & Greet

1:30 pm Asia Pacific - Credit & Collection Trends Steven GanFounder & PresidentStellar Risk Management Services Inc.

Global IT Trends - Impact on the Credit Industry2:00 pm Tal GurBusiness Development ManagerManaging DirectorGlobal Web Solutions Pty Ltd

4:00 pm International Legal Actions Carl HackmanManaging DirectorCCI Legal Services Limited

4:30 pm Speaker Panel

2:30 pm Attitudes Towards Credit & Risk in theformer Soviet Union

Vitaly ShevelManaging DirectorGCS Ukraine

Stuart BergmanDirector of Economics Analysis & ForecastingExport Development Canada

3:30 pm Canadian Exports - Risks, Threats & Opportunities

Afternoon Break / Networking Session

Kevin Terrell (MC)President & CEOHarvest Credit Management Ltd

SPONSORED AND SUPPORTED BY

REPOSSESSION SPECIALISTS

Professional, Prompt, Precise

Speaker Panel

Simone LisVice President, Operations, Better Business Bureau

Simone Lis is the Vice President of Operations with the Better Business Bureau serving Mainland BC.Through her ten years of experience with the BBB, she has worked with a number of agencies promoting education and self-regulation including, ID Theft, Advertising Standards Council - BC region, and the Consumer Protection BC Travel Industry Advisory Group.As the BBB liaison person with law enforcement and regulators, she works with the BBB’s partners to ensure that consumers and businesses protect themselves through honest business practices.

Simone is often out in the community providing presentations to seniors and other groups on various topics related to fraud prevention and wise buying practices. Simone is an avid marathon runner.

Kevin Terrell (MC)President & CEO, Harvest Credit Management Ltd

Kevin is a Fellow of the Institute of Credit Management (FICM) and a Member of the Institute of Directors (MIoD)He has served on the Council of the Commercial Collection Agency Association (CCAA), a section of the Commercial Law League of America (CLLA), of which he is a member. He served on numerous committees of the CLLA, including the international conference committee and has lectured in “International Credit Management”, for the CLLA.He served on the Board of the European Collectors Association (ECA), an organization that focuses on the collection of overdue accounts in 23 countries across Europe.Kevin lectures in best practice credit management for the Institute of Credit Management (ICM) and has taught throughout the USA, Europe and the Far East. He has made numerous key note addresses at Global Credit Conferences and has enthused thousand of credit professionals to raise the standard of their own in-house practices.Harvest Credit Management is a full service cash collection and receivables outsourcing company. As a partner of the Global Credit Services Group, HCM collects money in over 80 Countries world-wide.

Don FastDeputy Minister

Don Fast assumed the responsibility of Deptuy Minister of the Ministry of Economic Development in May 2006. In January 2009 the Ministry was renamed the Ministry of Small Business, Technology & Economic Development which is the primary provincial agency for creating a strong, prosperous and diverse economy that is committed to partnering with British Columbia’s small business community and enhancing research and innovation that continues to shape British Columbia’s economic development.Don Leads the Ministry of Small Business, Technology and Economic Development with responsibility for Asia Pacific Initiatives in building a strong provincial economy that supports job creation and maximizes economic opportunities for citizens throughout the province. Don is also responsible for supporting initiatives to strengthen the province as the Asia-Pacific gateway, economic diversification, trade and business marketing. Don is an experienced leader in developing co operative relationships between government and business to accomplish mutually beneficial goals. He also has extensive international experience in Asia working to influence policy development and create business opportunities for Canadian companies.

From August 2000 until his return to the provincial government, Don was the Regional Director General, Pacific and Yukon Region, Environment Canada. Under his leadership the Pacific and Yukon Region improved stakeholder relations on key federal files. To create stronger links with partners in Asia, Don hosted overseas delegations and led or participated in several missions to Asia.Prior to this, Don was the Assistant Deputy Minister responsible for Environment and Lands Headquarters for the (BC) Ministry of Environment, Lands and Parks, and earlier served as acting CEO of the BC Hazardous Waste Management Corporation. Don also worked for the Saskatchewan government in various senior management positions including the Director of federal / provincial relations for Saskatchewan.Don has a science degree for the University of Saskatchewan, and M.Sc form York University and a registered professional engineer.Don is married and has two grown children with four grandchildren and also has a new son who was born is February 2005.

Professional, Prompt, Precise

Helmut PastrickChief Economist, Central 1 Credit Union

Helmut Pastrick is Chief Economist for Central 1 Credit Union, the new umbrella organization for the credit union systems in British Columbia and Ontario. The system has about 2.7 million credit union members with a system asset base more than $65 billion.He and the Economics department provide a variety of economic analysis and forecast services to credit unions in BC and Ontario. Economic information is provided to the public in a number of department reports.Prior to joining the Credit Union Central of BC in 1997, he spent many years with the Canada Mortgage and Housing Coporation in BC responsible for analyzing and forecasting the provincial housing market and economy.He is former President of the Association of Professional Economists of BC, a member of the Canadian Association for Business Economics and the BC Economic Forecast Council.He is a multiple-winner of the BC professional association’s Crystal Ball Award given annually to the most accurate economic forecast.

He is frequently called upon by the media to provide comments on economic events and his presentations are in demand by many organizations and groups, including Credit Unions, Trade and Professional Associations and Service Clubs.

Speaker Panel

Tiku PatelChief Operating Officer, Aktiv Kapital

Tiku Patel is Group Chief Operating Officer for Aktiv Kapital. Aktiv Kapital has consumer debt purchase and collections operation in 11 countries across Europe and Canada. Aktiv Kapital works in partnership with agencies as a key part of its collections strategies. Tiku is responsible for all of Aktiv’s collections strategies and operations. Prior to joining Aktiv in 2008, Tiku worked for Experian Barclays and Kingfisher.

As Chief Operating Officer for RML, Paul is responsible for purchased and contingent collections, consumer outsource, legal and information services for the various business units of RML Group. RML Group is the largest debt purchaser in the New Zealand Market. Paul started his career on an international graduate recruitment programme within investment banking technology projects in London and comes from a technology background.He holds a Bachelor of Commerce and Management with a major in Applied Computing.

Paul HiltonChief Operating Officer, Receivables Management Ltd.

Albert KnowlesChairman, AV Knowles Group

Albert was the only Texaco Island scholar from Trinidad & Tobago, to read for the Bar in England since 1962, and graduated from Grays Inn London as a Barrister at law at age 23. With 22 years in the collection industry throughout the Caribbean and international markets. He was the former Regional Legal Advisor to Texaco Trinidad Ltd, based in Port of Spain and is fluent in French, Spanish and English.

He splits his time between Canada and Trinidad & Tobago, where he is the Chairman of three privately owned compa-nies in Trinidad employing over 100 employees within the AV Knowles Group.

Albert’s company is the largest collection and credit reporting company in the Caribbean, and with his extensive legal knowledge he as seen a huge demand for Due Diligence and Know Your Customer reports. Albert and his team work closely with the company’s clients to mitigate risk, particularly from fraud...

Professional, Prompt, Precise

Samuel OmukokoManaging Director, Metropol East Africa Limited

A career banker, Sam is the Managing Director and Chief Executive. He has over 12 years experience in the credit ratings and reporting industry as well as 12 years as a practicing banker with Kenya’s leading domestic commercial bank. Sam holds a Bachelor of Science degree in Maths and Statistics from the University of Nairobi and CPA Account-ing certificate. Sam has been involved in many interventions in the financial services and capital markets some of which include: Credit training; Development of credit curriculum for The Kenya Institute of Bankers (KIB) and was Chief Exam-iner in Strategic Marketing and Lending from 2000 top 2006 and Institute of Credit Management of Kenya (ICM-K) where he is a founder member and was Chairman of the Examination Board from 2002 to 2004. He is an Associate of the Chartered Institute of Bankers (ACIB), UK and a Fellow of the Kenya Institute of Bankers (KIB). Sam was the lead consultant in the SME credit scoring and Credit rating precess for the East African market between 2006 and 2006. He had attended many courses in financial management locally and abroad. Sam overseas the Groups strategic direction and leads the product and enterprise developments across the Group’s varied business and product lines. Sam has also been the lead consultant in the implementation of the SME scoring tool in the three banks in Kenya and Uganda.

He is currently the Treasurer for the East African Credit Bureau Association (EACBA) and was nominated to attend the World Conference on Consumer Credit Reporting and the Third Global Consumer Reporting Conference held in Rio de Janeiro, Brazil in October 2008.

Steven Gan is a native of Chicago, Illinois and graduated from the University of Illinois with a BS in Electrical Engineering and graduated from the Thunderbird - Garvin Graduate School with a Masters of International Management. Mr Gan is also a Certified Public Accountant and Certified Credit Executive.

Steven Gan was the founder and president of Advance & Associates Co., Ltd. in Tokyo from 1992-2004. Advances & Associates was the first company to create and implement the before and after sales total credit risk management product line system in Japan. This business model offered clients a full range of credit risk management products and services in order to provide “total credit risk management support”Through numerous articles, publications, presentations and television appearances, Steven Gan greatly deepened the awareness and understanding of the importance of sound credit risk management throughout Japan. Steven Gan wrote the book titles, “The Blue Eyed Debt Collector, His Struggle” (Japanese only) published by the number two publisher in Japan, Shogakkan, which sold over 20,000 copies.Mr Gan is presently the founder and president of Stellar Risk Management Services (SRMS), Inc. a Northbrook, IL credit risk management consultancy. SRMS is the leading company to understand the common thread between various products, solutions, and systems from the credit risk, insurance and financial fields that will greatly strengthen every company’s credit risk management system.

Steven GanFounder & President, Stellar Risk Management Services Inc.

Branton KentonManaging Director, Vortex DNA

Together with colleagues Martin Burley and Raf Manji, Branton has pioneered the science of human intention in the field of predictive analytics. Since 2001 the team has been instrumental in mapping the structure of human intent through the mathematics of complex systems. In 2007 the team first publicly demonstrated the predictive poser of human intention in a test against Google Search TM. Since then the commercial applications of this major scientific breakthrough have been focused on providing better segmentation in the insurance, credit and online sectors.

Branton is also a director of MetaWealth Limited and Markets DNA Limited. Prior to his work on human intention Branton created the first corporate environmental rating system based on whole system principles. Before moving to New Zealand in 1996, Branton ran Human Technology UK Limited, a high profile business consultancy focusing on change management. Branton holds a First Class Honours degree in Religious Studies and Philosophy from Lancaster University, UK. He is married with three children.

Speaker Panel

Professional, Prompt, Precise

Tal GurManaging Director, Global Web Solutions Pty. Ltd.

Tal has 10+years of experience in the Information Technology Industry working in Israel, Australia and over the past two years throughout South America. He has Diploma’s in Business Management and Network Administration (MCP) from Microsoft Corporation 1998.In addition Tal has a Bachelor Degree in Computer Science and a Masters of Information Management & Systems from Monash University, Melbourne, Australia.In 2006 Tal was tasked with the development of a global case management system which today services GCS Group and their client base in over 80 countries. In addition, he is a qualified Web Master with the design, implementation and management of over 100 websites.Tal continues to work in design and development of state of art technology projects.

Speaker Panel

Carl HackmanManaging Director, CCI Legal Services Limited

Carl had fifteen years in private practice prosecuting and defending complex financial frauds, and has provided anti fraud advice to large public companies as well as the private sector.He was admitted to the Bar in London as a senior Barrister prior to joining the family company as its Litigation Director for CCI Legal Services Ltd. A prolific author of credit and fraud related articles, he is a sought after speaker at AGM’s and training events.He was appointed GCS Regional Director for Europe in 2006. Carl is married with four young children; lives in northern Wales, and travels extensively in Europe meeting with and advising the companies expanding client base.

Vitaly ShevelManaging Director, GCS Ukraine

Vitaly was born in Saint Petersburg Russia in 1984; is a citizen of the Ukraine residing in Kiev, having obtained a Master at Law at the National University and Advocacy Academy in 2007 and a Business Management Diploma at the British University in 2009. He is the Managing Director of GCS Ukraine, having previously practiced law in the courts of Kiev and Moscow. Between 2005-2007 he was and Attorney at Law and Lawyer for Coface Credit Management Services Ukraine.

In 2009 Vitaly was appointed the GCS Regional Director for Russia, CIS and The Baltics responsible for the development, training and management of the GCS Partner offices.Vitaly is fluent in Ukrainian, Russian and English and is widely sought as an expert speaker across the CIS.

Stuart Bergman has been Director of Economics Analysis and Forecasting at Export Development Canada (EDC) since January 2008. In addition to advising EDC business teams and senior management on transaction and portfolio risk, Mr Bergman has served as EDC’s representation at national and international economics forums like the OECD’s Country Risk Experts Group, the Berne Union and the Paris Club of bilateral creditors. In addition, Mr Bergman is a featured speaker at conferences across the country and in the United States.Prior to joining EDC, Mr Bergman worked as a Country Risk Analyst for Zurich Emerging Market Solutions. He was also a Senior Analyst at the Foreign Policy Institute, in Washington, DC. Mr Bergman holds a degree in International Economics and International Relations from the Johns Hopkins University of Advanced International Studies.EDC is Canada’s export credit agency, offering innovative commercial solutions to help Canadian exporters and investors expand their international business. EDC’s knowledge and partnerships are used by more than 8,300

Stuart BergmanDirector of Economics Analysis & Forecasting, Export Development Canada

Canadian companies and their global customers in up to 200 markets worldwide each year. EDC is financially self-sustaining and is a recognized leader in financial reporting, economic analysis and has been recognized as one of Canada’s Top 100 Employers for eight consecutive years.

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Sponsors

Headquartered in Oslo, Norway. Aktiv Kapital has operations in 11 countries, and is today Europe’s and Canada’s largest purchaser of non-performing consumer credits. Within the Portfolio segment Aktiv Kapital had approximately 550 000 paying customers in 2007. Aktiv Kapital is listed on the Oslo Stock Exchange (AIK).

Global Connect, the leading provider of web-based voice messaging, helps a variety of organizations throughout the United States, Canada and Puerto Rico deliver personalized voice messages quickly and cost effectivelyA fully interactive system uses Voice Over Internet Protocol to deliver pre recorded voice messages to designated phone numbers at unmatched speed and capacity. Call recipients can use the interactive keypad to connect to live agents, leave voice messages or select other keys for polling and surveys.Founded in 2002, Global Connect is a privately held company with corporate office in Mays Landing, New Jersey. The corporate office supports regional sales and service offices located throughout the United States.

General CSI is a privately held company providing complete accounts receivable management solutions, licensed to collect in all Canadian provinces, and territories.Founded in 2002 as a joint venture, General CSI has rapidly expanded through a series of mergers and acquisitions. Our oldest legacy company has been in continuous operation since 1971. In 2005 General CSI joined Global Credit Solutions Ltd (GCS - Global to become the world’s largest collection agency network, with more branch offices operating in more countries than any other organization. At home or across the globe our primary business goal is to continue to develop our client base through service excellence and superior results.

Global Credit Solutions (GCS) is one of the world’s largest credit & risk management specialists. With more than 3,000 people, employed in over 80 countries, GCS has the resources to ensure that you are protected from risk wherever you might be trading (Global Risk Management).GCS is dedicated to being the Global leader in the development and provision of Global Credit Management & Risk Management Services.This goal is achieved by our:APPLIED TECHNOLOGY, SUSTAINED FINANCIAL HEALTH, GLOBAL NETWORK OF EXPERTS, COMMITTED PARTNERS, THOUGHT LEADERSHIP & COMPLETE CLIENT SATISFACTION.