Atlantic Credit & Finance Inc.

Kelly Woolwine is president, chief operating officer and one of the founding principals of Atlantic Credit & Finance, Inc. and ACF Medical Services, Inc. Mr. Woolwine is responsible for directing all day-to-day business operations for Atlantic Credit & Finance and its subsidiary, ACF Medical Services, including recovery operations and hiring and training of all employees. Prior to founding Atlantic Credit & Finance in 1995, Mr. Woolwine served as chief operating officer for Oxford Capital a leading debt purchasing and servicing firm responsible for directing all business operations and managing the recovery process. While at Oxford Capital, Mr. Woolwine created, among other things, innovative employee training programs that help maximize collections practices while ensuring consumers are treated with respect and integrity. Mr. Woolwine also previously served as an investment banker at Dean Witter. Mr. Woolwine earned a bachelor's degree in economics and marketing from Virginia Tech University.

Daryl L. Deke is executive vice president of ACF Medical Services, Inc. and one of the founding principals of Atlantic Credit & Finance, Inc. and ACF Medical Services. Mr. Deke, who is responsible for directing new business development and acquisition at ACF Medical Services, also serves as one of the board of directors for ACF Medical Services. In addition to his tenure with Atlantic Credit & Finance, Mr. Deke has 18 years of experience in the investment management business. Most recently, he was a principal with Bernstein Investment Management and Research, a division of Alliance Capital. While at Bernstein, Mr. Deke held positions of increasing responsibility, including restructuring and leading its Los Angeles office, the largest private-client practice at Sanford C. Bernstein and Co., Inc. Mr. Deke earned his master's degree from the University of Arkansas and his BA from the Virginia Military Institute.