Nicholas Peter Cruz LLB was born in Gibraltar and educated at Worth Abbey in the United Kingdom. He studied law and graduated from Kingston University in Surrey before becoming a member of Middle Temple Inn of Court. He completed his studies at the Council of Legal Education in Chancery Lane, London, and was called to the Bar of England and Wales. He returned to Gibraltar in 1989 and was subsequently called to the Bar of Gibraltar. He has practiced law in Gibraltar ever since, concentrating on Trust, Company, Admiralty, Conveyancing, Commercial and Civil Litigation. Serge Gilbert Garcia born in Gibraltar was educated in the Gibraltar Grammar School and Manchester University where he read Economics. He remained in the United Kingdom for the earlier part of his career working with Lombard Marine Finance. The opening of the Gibraltar land frontier with Spain brought about a considerable growth in the Financial Centre and soon after the establishment of Banco Espanol de Credito SA, a subsidiary of Banco Santander, Serge returned to Gibraltar to take over as Chief Executive of the Fiduciary Services Department of the bank, providing Corporate Foundations, Trusts, Estate Management, and International Tax Services. Subsequently Serge joined Deloitte & Touche, once again as Chief Executive of their Fiduciary Services Department. He remained there until he established Acquarius Trust Company Limited in cooperation with the legal firm of Cruz & Co. Serge is a Fellow of the Institute of Chartered Secretaries and Administrators, a Fellow of the Chartered Institute of Bankers and a Trust and Estate Practitioner. He has been the President of the Association of Trust and Companies Managers and a member of the Gibraltar Financial Centre Council, a Government Policy consultative body. The Acquarius Fiduciary Group consists of six companies, which form the corporate arm of Cruz & Co. The company's eight staff, includes individuals qualified in Law, Banking, Accountancy, Trust and Company Administration. Cruz & Co and the Acquarius Fiduciary Group of Companies are fully aware of the needs of professionals and clients and we like to boast an efficient, friendly and cost-effective service. A global service: Our strong ties with other similar firms and companies across the globe allow us to offer a truly international offshore service ensuring that our clients are in a position to access financial services in all major offshore centres directly through our offices at competitive prices. All inclusive fees: Our fees are inclusive of all costs so that there are no hidden costs which may arise at a later date other than increases which may offer from time to time at the Companies Registry or other Government offices.