HRM - Key Persons

Job Titles:

• EVP of Hawaii Receivables Management LLC

Mike Young, EVP of Hawaii Receivables Management LLC has been in the banking and finance industry for over 30 years. Mike began his career with First National Bank of San Jose (now Bank of the West). Moving to Hawaii in 1979, Mike worked for 15 years at Bank of Hawaii in various positions in the bank's Pacific Islands Division, Business Banking Division and Bank Card Division. He moved to Bank of America Hawaii where he ran their Business Banking area. Mike has been involved in the Factoring industry since 1998.

Job Titles:

• President and CEO of Hawaii Receivables Management LLC

Rick Humphreys, the President and CEO of Hawaii Receivables Management LLC has been in the banking and finance industry for over 35 years. Rick began his career with Union Bank in California and proceeded to hold down executive level positions at AMFAC Financial, First Federal S&L, Bank of Hawaii/Hawaiian Trust and culminating as the CEO/Chairman of Bank of America ? Hawaii. Rick has been involved in the Factoring Industry since 1998.