Executive Bio: Paul Grinberg

Mr. Grinberg joined the Company from Brio Consulting Group, a provider of financial strategy and consulting and interim CFO services to private equity and venture-backed companies, where he served as President. He currently serves Encore as Executive Vice President and Chief Financial Officer and manages our credit risk function. From May 2000 until April 2003, Mr. Grinberg served as Chief Financial Officer of Stellcom, Inc., a systems integration firm focused on providing mobile and wireless engineering solutions to Fortune 1000 companies. From February 1997 until April 2000, Mr. Grinberg served as Executive Vice President and Chief Financial Officer of TeleSpectrum Worldwide, Inc., a publicly traded company that provided outsourced call center solutions to Fortune 500 companies. From September 1983 until January 1997, Mr. Grinberg was employed at Deloitte & Touche LLP, where he served in several capacities, the most recent of which was as a partner in the firm’s Merger and Acquisition Services Group. Mr. Grinberg also serves as a director of Bank of Internet USA, a FDIC insured, internet-only bank.

Mr. Grinberg received his bachelor’s degree in accounting from Yeshiva University in 1983 and his MBA from Columbia University in 1989.