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Elżbieta Urbańska, President of the Board of Directors of Polfactor SA
Graduate in Roman Philology from the University of Silesia, post-graduate studies in banking and finances at the Warsaw School of Economics, and strategic management programme at the INSEAD business school. In 1995 she started her career at BRE Bank SA Branch in Katowice as Account Manager. Two years later, she was appointed manager of small and medium companies department at BRE Bank SA. In 2000, she was given a new corporate business task as head of institutional customers department. At the same time, she was active as the Vice-President of Polfactor SA Supervisory Board. President of the Board of Directors of Polfactor SA since April 2003. Since 2006, President of the Polish Factors Association, gathering the largest factoring companies in Poland.

Dariusz Steć, Member of the Board of Directors of Polfactor SA
Graduate in Economy from the Department of Economy and Social Studies at the Central School of Planning and Statistics in Warsaw (known today as the Warsaw School of Economics). He began his professional career in 1991 as credit consultant in the Credit Department of Bank Przemys3owo-Handlowy w Krakowie S.A. Branch in Warsaw, and in 1992 started work in the same capacity in Raiffeisen Centrobank S.A. in Warsaw. In the years 1992-1997 he worked at the Polski Bank Rozwoju SA, first in the Credit Department, then since 1996 as deputy manager in the Restructuring Department, and finally a year later as acting manager. In Polfactor SA since 1998. Member of the Board of Directors since 1999.