Dennis Smith (co-founder)

(appointed – 3 January 2007)

Chief Executive Officer

Mr. Smith is a co-founder of the Company. As Chief Executive Officer of the Company, Mr. Smith is responsible for developing and implementing the Company’s overall strategies and will provide general oversight of all lending activities

Before Mr. Smith co-founded the Company, he began his working career in the Accounting Department of the British American Insurance Company in the late 1960’s. In 1969 he joined the Jamaica Playboy Club & Hotel as a junior accountant.

In 1972 Mr. Smith was appointed an Accountant at Jamaica Detergents Limited and Domestic Sales Limited, both companies within the Seprod Group of Companies. In 1974 Mr. Smith was appointed Chief Accountant of the ZEP Chemical Group of Companies.

Mr. Smith along with Clifton Cameron, Derrick White and Orville Haslam co-founded Swift Chemicals Limited, a chemical company. Within ten years, under the guidance of the co-founders, Swift Chemicals became the leading chemical company in Jamaica and the Caribbean

In 1995, Mr. Smith along with his wife Primrose Smith formed Supreme Brands Limited, a distribution company that imported raw materials for the baking industry.

In 2003, Mr. Smith was appointed as a regional director of Capital Partners, an American based financial brokerage. Mr. Smith was tasked with responsibility for Jamaica and Trinidad and Tobago. Mr. Smith is also co-founder and current director of the Jamaica Association of Micro Financing (JAMFIN).

Clifton Cameron

(appointed – 10 September 2012)

Independent, Non-executive Director and Chairman of the Board

Mr. Cameron is the non-executive chairman of the Company. He will assume oversight responsibility for the implementation of adequate policies, procedures and controls as required by the Junior Market Rules.

Mr. Cameron will be appointed to the Audit Committee and the Remuneration Committee.

Mr. Cameron has served in many private and public sector roles including: President of the Private Sector Organization of Jamaica (PSOJ), Chairman of the National Investment Bank of Jamaica, and Chairman of Petrojam Limited.

Mr. Cameron is a co-founder and current chairman of Sage Global Finance, L.L.C., a multi-industry investment and advisory company.

Robert Chung

(appointed – 10 September 2012)

Non-executive Director

Mr. Robert Chung is an entrepreneur with over twenty years’ experience in retail sales and property development.

A graduate of Columbia University and the University of California – Berkeley, he holds a BSc. and MSc. in Civil Engineering. On his return to Jamaica he was quickly immersed in the family’s supermarket business in Port Maria and successfully managed Foo Hing & Co. Ltd, for several years until the business was sold to a leading Jamaican company.

Mr. Chung developed and acted as Project Manager for the construction of two commercial complexes owned by his family in Port Maria and Ocho Rios, Jamaica. He is currently responsible for the management of the properties. Mr. Chung is an avid sports enthusiast, a great football fan he played a good game of cricket in his youth and has participated in clay shooting at the national level. He is married with two children

Primrose Smith

(appointed – 3 January 2007)

Chief Operating Officer

Mrs. Smith supports the Chief Executive Officer Dennis Smith in managing the day to day operations of the Company.

Mrs. Smith commenced her working career in 1973 at the Inter-American Development Bank, where she was the bi-lingual secretary and personal assistant to the Deputy Representative. That role required her to perform secretarial duties as well as translation of technical documents from Spanish to English.

In 1978, Mrs. Smith moved to Florida where she worked in the Customer Service Division of Southeast First National Bank as the Administrative Assistant to the Vice President of International Banking, catering primarily to a Hispanic clientele.

In 1980, Mrs. Smith returned to Jamaica to work at the Organisation of American States (“OAS”) as the executive assistant to the Country Director.

In 1984, Mrs. Smith opened and successfully operated a salon and boutique until 1994.

Mrs. Smith is also a co-founder of Supreme Brands Limited, which was started in 1995. Mrs. Smith led that company’s Purchasing Division where her experience and Spanish language skills assisted with dealing with the company’s, mainly, Central American suppliers.

Mrs. Smith is a graduate of the University of the West Indies with a major in Communications and a minor in Languages.

Mr. Diyal Fernando

Corporate Secretary

Mr Fernando is a Business Development Consultant and a Fellow of the Chartered Institute of Management Accountants (CIMA) in the UK.

Originally from Sri Lanka, Mr. Fernando has worked in Jamaica for over 25 years holding various senior management positions in the ICD Group of Companies from 1990 to 2005. His experience with the ICD Group spanned the Manufacturing, Retail and Distribution, Construction and Property Management Divisions.

In 2005, he joined Rose Hall Developments Limited and spearheaded the installation of the company’s Waste Water Management Project in addition to managing the Company’s Real Estate and Infrastructure Development portfolios in his capacity as Finance Director.

In 2012 Mr. Fernando was appointed to the Board of ISP Finance Services Limited and his contribution to the Board has been invaluable to the continuing development of the Company. Mr. Fernando now holds the position of Chief Financial Officer and Company Secretary and will serve on the Company’s Audit Committee.

Jeniffer Smith

Credit Manager

Mrs. Jeniffer Smith is a professional banker with over 40 years of experience in banking operations in particular in customer interface and credit management.

She commenced her career with Citibank N.A. in Jamaica where she trained in all aspects of banking operations including processing loans and letters of credit, trade facilities and treasury operations.

She rose to manager of the Operations unit responsible for processing of Loans and Leases, Money Market Operations, International Fund Transfers and International Trade.

Mrs. Smith assumed the position of Assistant General Manager of Citizens Bank in March of 1975 with responsibility for International Banking, Treasury and Corporate operations. In June 1997 she moved to George and Branday as Vice President of International Banking operations

In April 2004 she took the position of Vice President of Operations and Administration at First Global Bank from which she retire in May 2009.

Mrs. Smith has been the recipient of multiple performance awards including Citibank’s Individual Performance Award in 1984, Global Account Management Award in 1984, Service Excellence Award in 1985, Deal of the Year Award in 1987, Relationship Management Award in 1987.

Mrs. Smith brings with her a wealth of experience in banking operations at a senior level.

Mrs. Jeniffer Smith is the former wife of Mr. Dennis Smith.