ScotiaBank Testimonial

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Centralized Retail Collection Unit
1st Floor, Centre Pointe Mall
Ramsaran Street, Chaguanas
Trinidad, W.I.
Tel.: (868) 672-7100
Fax: (868) 672-7105

July 7th, 2010

To whom it may concern

Re: A.V. Knowles & Company Limited

A.V. Knowles & Company Limited has been a provider of Collection Services for Scotiabank Trinidad and Tobago Limited for over 19 years.

During this period they have been given the challenge to increase recoveries and have surpassed these targets on many occasions.

They possess astute management skills with respect to litigation matters and Credit Bureau Servics, which is integral for this company being our preferred Collection Agency.

Their years of experience in Commercial recoveres plus their resources & international expertise through the GLOBAL CREDIT SOLUTIONS ( GCS ) group have ensured that we received the highest level of service from A.V Knowles & Company Limited.

We recommend A. V. Knowles & Company for any challenge they with to undertake.

Yours truly,

Dinsley Peter O’Brien
Senior Assistant Manager