BEGIN:VCARD VERSION:2.1 N;LANGUAGE=en-au:Williams;Richard FN:Richard Williams ORG:MacGillivrays TITLE:Partner NOTE;CHARSET=us-ascii;ENCODING=QUOTED-PRINTABLE:Areas of Expertise=0D=0A= =0D=0A= Retail Lending=0D=0A= Consumer Credit =0D=0A= Mortgage Default And Recovery Compliance =0D=0A= Privacy =0D=0A= Corporate Governance =0D=0A= Anti Money Laundering=0D=0A= =0D=0A= Richard Williams joined MacGillivrays in 2004.=0D=0A= Richard's experience in banking was initially gained through practice as a = corporate solicitor with a major bank. After leaving the bank, he joined a = Melbourne law firm as a partner and established a successful banking practi= ce.=0D=0A= In the 1990s, Richard was intimately involved in the development of legisla= tion affecting non-bank financial institutions. He has acted on behalf of v= arious finance industry associations. As a result, Richard has developed co= nsiderable expertise in lending law and knowledge in government relations.= =0D=0A= His practice, based in Melbourne, now covers commercial law and retail lend= ing. He conducts a wide range of work for financial institutions, providing= advice on lending, recoveries, legislative change, compliance and general = corporate matters. He has particular expertise in consumer credit, privacy = law, anti money laundering, finance broking and other legislation affecting= financial institutions.=0D=0A= Richard graduated from the University of Melbourne with a Bachelor of Comme= rce and a Bachelor of Laws. His memberships include the Corporate Lawyers A= ssociation, the Mortgage Finance Association of Australia, Finance Brokers = Association of Australia, Australian Corporate Lawyers Association and the = Law Institute of Victoria.=0D=0A= =0D=0A= Outside work, Richard likes to spend time with his teenage children, ski, s= wim, bushwalk and pursue his interest in photography and woodwork.=0D=0A= * Developed a specialty in Financial Services Law=0D=0A= * Worked in the area of Financial services Law for approximately 18 years.= =0D=0A= * Developed particular expertise in Consumer Credit Code and Privacy Law=0D= =0A= * Demonstrated ability to build practices=0D=0A= * Developed an extensive network of contacts throughout the Financial Servi= ces Industry=0D=0A= * Demonstrated ability to lead and motivate staff=0D=0A= * Extensive experience in most jurisdictions, both County, State and Territ= ories TEL;WORK;VOICE:(03) 8622-2711 ADR;WORK;PREF:;;Level 2, 535 Bourke St;Melbourne;Vic;3000;Australia LABEL;WORK;PREF;ENCODING=QUOTED-PRINTABLE:Level 2, 535 Bourke St =0D=0A= Melbourne Vic 3000 X-MS-OL-DEFAULT-POSTAL-ADDRESS:2 URL;WORK:http://www.macgillivrays.com.au/partners/richard.htm EMAIL;PREF;INTERNET:richardw@macgillivrays.com.au PHOTO;TYPE=JPEG;ENCODING=BASE64: /9j/4AAQSkZJRgABAQEAYABgAAD/2wBDAAYEBQYFBAYGBQYHBwYIChAKCgkJChQODwwQFxQY GBcUFhYaHSUfGhsjHBYWICwgIyYnKSopGR8tMC0oMCUoKSj/2wBDAQcHBwoIChMKChMoGhYa KCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCgoKCj/wAAR CABIAEgDASIAAhEBAxEB/8QAHwAAAQUBAQEBAQEAAAAAAAAAAAECAwQFBgcICQoL/8QAtRAA AgEDAwIEAwUFBAQAAAF9AQIDAAQRBRIhMUEGE1FhByJxFDKBkaEII0KxwRVS0fAkM2JyggkK FhcYGRolJicoKSo0NTY3ODk6Q0RFRkdISUpTVFVWV1hZWmNkZWZnaGlqc3R1dnd4eXqDhIWG h4iJipKTlJWWl5iZmqKjpKWmp6ipqrKztLW2t7i5usLDxMXGx8jJytLT1NXW19jZ2uHi4+Tl 5ufo6erx8vP09fb3+Pn6/8QAHwEAAwEBAQEBAQEBAQAAAAAAAAECAwQFBgcICQoL/8QAtREA AgECBAQDBAcFBAQAAQJ3AAECAxEEBSExBhJBUQdhcRMiMoEIFEKRobHBCSMzUvAVYnLRChYk NOEl8RcYGRomJygpKjU2Nzg5OkNERUZHSElKU1RVVldYWVpjZGVmZ2hpanN0dXZ3eHl6goOE hYaHiImKkpOUlZaXmJmaoqOkpaanqKmqsrO0tba3uLm6wsPExcbHyMnK0tPU1dbX2Nna4uPk 5ebn6Onq8vP09fb3+Pn6/9oADAMBAAIRAxEAPwDf1SWfR9Oa91G1ngto+CzpjJPQDPWvP5/i MwZTBp+UYkJvOSfcgVw4kvDpU7XM889xK4RTLIWIGOcZ+tang2drO7j+1EZb5fQDnpQB02g+ LW/tVm1eUWgbLrcSr+6U9cAAEjpU0niHwtavIf7clnLEkiG2d+fYsRXS+K/7J1TwzdWeYhco nyjurYyPzrxdNNjHUmgDt7nxv4fxiKLVp/8AgMcQ/wDZqzZvGtkzZg0SRyOAZrpv5Lis6z0B p9PubuJQ0duR5gzyAeM/Tp+dRJaRDogoAuyeM71htg0zTYl/2kZz+pNQHxNrjf6qaGAekMCL /IUqwKOigfhXTN4SnGmC6jlVsoJQMYypUtx7/KRQBx0+pa3c/wCu1C7Yf75FFX/KNFAFMTLG Io22AtICCxwD7e1bKWtrEIpkxOHkGFb05P6YrNXTvto2ujeWDksO1br6fPq97F9hTybgfcRn GH+h6fhQB0GnoF8S3ktuT5e1IzB5TEfdA+90A6/nXD3USLdzLH9wOQv0zXWQtrWi2l+t/bOs oXZ86EFc98+lcsqUAdV4OhM+i63bRKDM9tIw9eNpx+hrmVhxjIrpvAd6una5bSyfceQQvnuj gg/0NbnxI0lNOn023t0JhWJgsmOW+bp+Ax+dAHCWyiOZHZFkUHlWHBFe3aHpVte+HUW2kypj KxNnOAVI2n6biK8hjtXP8Br0T4am7tIp4mIktnHmqq8kHof/ANVAHB+KLVIvEN/GiBVSUqAP aitbXLSe61m7naF4/MfdtdSCAemRRQB5vaTaltWdjHHEWwAW/rXTadKzTIyEKxOSAcq3+B96 xZr39+tpFamPy/lSMDJGfugD1PX9ama7Gnylbpw8qdVHY/3c0Aerz+I5rzTLe1vrWO8hUMpk Y4fBBHP4E1wmsWEOmXEgd1MaqJAc/wAJGRxWY/ieaFbkrtVI1BB78/1rkb7W5LvzfMyN7bmJ OfpQB11ks+oqZ7JsRLIA3IHlkc5J9Dn9K9K1PUY9WjtGndDHFGAhzkHIGTmvEvC2uSW0ssNo omkmGFU9Nw7kfia0tUsLu8leR7oyXSqN0WMDgduwFAHouo6hpthZSyCWJpVX5VBBJPauM8N+ JdV0W8lm0+5ZBLnKkblP/wBeuQtn8m4MEyfvehya2rBS0Gzyz5yPwO5BoA7XSvEZdrn7aAXL blYnoGJwpP4UVg674d1g29pDaRR7A3nTyGUL854x7gDiigCvp93breWt3dqsH2ld0cjH77EA dfpxXJanf+bPcFjlhI3PbGf8aboq6bq+jyLqEjRz2q4L4LfJngjsPSsEF77UmhsyyWZ4y5yS o7k0AWrm/kkDK0h2k5xnrUUEUt4kpWNmhjGZGAyFFT6dYQjVNt4he1B67u34V6rZ2thHozw6 akSwsh4Q559z60AZHgGGzjtJxDGq3Me0lyOWUjp9Ki16ZrTXmIysYjEzkH73GAP0qjYTNYr/ AGhF922m+zXYH/PN+Ub8CGH4iqXiG7j1DxDD5Q+0LDFhwDgHkkAmgBLuWOe3iaYKt9I5lV84 BBx8hP4cV1uiRtcvFOkjLIiA8jPNcpaWKXLAzmK3iHpGX2/ma9E0O58P29rELu5vpyOAIY1i X+tAEN7Hc7S8uoykKCdpIAH5CivQNFfw7qcWY9CZkX+OaQnNFAHyPpzNJ5kasQHwrAH7wznH 511N1f2lhZRWr2hWYD/Wo2Vb8MdfxoooAS2uBIqyRYK57fyr0DwXFaanm3lJgnIwsqcEH3Hc e1FFAHO61YTeG7zU7eceZHqERQuDlZBnII9xxVLwxpbQaUJpBmWeQkMf7o4X+tFFAGxe7og6 oBmUANgehrc8KaJcanLChQrAvLMRRRQB6PdTwaXaCCDAVRiiiigD/9k= X-MS-OL-DESIGN;CHARSET=utf-8: REV:20100630T062720Z END:VCARD