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ABOUT THE AUTHOR

                  Joseph S. Taylor
                  Vice President; Recovery Industry Services Company (RISC)

                  Joe has been associated with the collateral recovery industry since 1961 as a Field Recovery
                  Agent  and  Recovery  Agency  owner.   He  served  twelve  years  on  the  Florida  Private
                  Investigation,  Recovery  and  Security  Council  (PIRSAC)  where  he  assisted  in  re-writing
                  Chapter  493  fs  which  regulates  the  Recovery,  Private  Investigation  and  Private  Security
                  industries in Florida.  He was also the chairman of the committee that developed the Florida
                  mandatory training for Florida Recovery Agents.

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                  In  1999,  Joe  authored  the  Certified  Asset  Recovery  Specialist   (C.A.R.S. )  National
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                  Certification Program which is now active in all fifty states.  The C.A.R.S.  Program is
                  recognized by both the collateral recovery industry and the lending community as the premier
                  certification program for collateral recovery professionals.  He is also the author of “Bridging
                  the Gap”, a book designed to help the lending community recognize the unique requirements
                  of those who serve in the collateral recovery industry.  Joe has also authored over one hundred
                  published articles on the self-help repossession process.

                  Joe has conducted training seminars on the self-help repossession process to lenders across
                  the country, including Barnett Bank, Wachovia Bank, AmSouth Bank, Americredit, Hyundai,
                  American General, Mitsubishi Financial, Chase Bank, Regional Acceptance Corporation,
                  Capitol One and Wells Fargo.

                  Joe  is  qualified  to  provide  expert  opinions  on  Wrongful  Repossession  litigation  in  both
                  federal  and  state  courts  and  has  been  retained  in  that  capacity  in  over  twenty-five  cases
                  nationwide.

                  Joe’s complete resume can be viewed on our website, www.RiscUS.com.

                  ABOUT THE CO-AUTHOR

                  Stamatis Ferarolis
                  President; Recovery Industry Services Company (RISC)
                  President; Asset Investigation and Recovery (AIR)

                  After graduating from the University of South Florida Stamatis became licensed as a Florida
                  Recovery Agent and in 2004, he founded Asset Investigation and Recovery (AIR) and has
                  built  AIR  into  six  very  successful  Florida  locations.    He  is  a  member  of  the  American
                  Recovery  Association  (ARA)  and  the  Florida  Alliance  of  Certified  Asset  Recovery
                  Specialists (FLACARS)

                  In 2011, Stamatis and Joe co-wrote the Field Recovery Specialist (FRS) Operations Manual.
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                  The FRS Manual was soon included in the C.A.R.S.  Certification Program at which time
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                  Stamatis became a Co-Author of the C.A.R.S.  Program.  Since that time, Stamatis and Joe
                  have  co-written  eleven  Continuing  Education  courses  and  the  RISC  Compliance  and
                  Operations Manual.

                  Stamatis’s complete resume can be viewed at our website, www.RiscUS.com.
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