MANAGEMENT

Concord Servicing Corporation was founded in 1988 to provide servicing for the retail land and timeshare resort industries. We manage our consistent growth by utilizing technology and by segregating our clients into manageable operational units which function like small businesses within a business. Concord provides service for more than 600,000 consumer accounts, representing a portfolio in excess of $2 billion US.

Concord looks to its professional staff and management team for innovative ways to improve business functions by encouraging suggestions at all levels and providing a forum for continuous improvement.

PROFILES

Concord's management team includes the following:

Robert W. Bertrand, President & CEO Randy L. Babcock, Senior Vice President of Information Technology Shaun W. O'Neill, Senior Vice President of Operations Kevin L. Little, Senior Vice President Joy Powers, Director of Business Development, US- East Juan Pablo Saiz, Director of Business Development, Latin America

Alicia Vander Kooi, Vice President of Operations, U.S. Barry Harkness, Vice President and Director of Software Development Evan Green, Vice President of Operations, International Frederick G. Pink, Vice President and General Counsel Mary-Jeanne Fincher, Corporate Attorney Arnold M. Logvin, Director of Default Collections