difficult or contentious matters or resolving differences of opinion? If yes, how does the firm ensure the independence and confidentiality of service providers? _x000D_&1#&"Tahoma"&12&KC0C0C0 SEC

/targets/recovery rates? 7 What is the risk of inexperienced people being out of depth at client (and effect on their dealings with client and superiors) – how is this prevented? What process does the firm

independence policies and procedures from all firm personnel? 9 Does the firm have Confidentiality Declaration from all its employees? 10 Are there procedures to ensure that any external consultant involved in