The nuts and bolts of what we offer.

2. Mission Statement Greentree & Associates is dedicated to serving our clients with the utmost of integrity. Our principal objective is recovering funds with excellent service, timely correspondence, and creative solutions in order to affect the quickest recovery.

4. Based in California

5. Experienced & skilled in debt recovery

6. Primary, secondary, tertiary, quads, and pre-charge off programs

7. Website: www.greentreeandassociates.com

9. Leads team meetings, reviews, and implements client work standards.

10. Manages all team leads

11. Manages Data Mining and Scoring of accounts.

12. Oversees training for FDCPA, and FCRA compliance.

13. Oversees skip tracing processes, including batching and manual skip work.

14. Maintains secure work environment, oversees desk audits and paperless work flow.

16. Responsible for all aspects of business including, Finance, Sales, Operations, IT.

17. Developed business plan, From startup funding, Sales strategy, Marketing Strategy, Personnel, IT, to Finance

18. Sr. Vice President, Johnson & Rountree Inc.

19. Responsible for multiple center management with revenue performance of 50 million annually.

20. Led highest client performance division, resulting in continuous market share increases.

21. Recruited, trained and managed the most successful results-oriented management team in the company.

22. Lead executive for new call center development. Successfully opened multiple successful new centers across the North America.

23. Key client relationships with Enterprise Rent A Car, Thrifty Car Rental, USA Federal Credit Union.Management Team

24. Industry Experience Collection Services Greentree’s collection staff has experience in serving clients as a debt collection partner for over 30 years, and our experience is directly reflected in our ability to affect results. Our representatives have the specific training and experience to successfully service retail receivables. They are trained to explore all avenues of recovery. They also do an asset investigation to determine the debtor’s ability to pay the debt. Keys to our success Approach maintains professional image. Team environment encourages accountability among collection team. Counseling based approach educates the debtors about their options. We have over 30 years experience in the collection industry, we combine proven methods, with the latest technology for a comprehensive collections approach.

25. Training & Compliance Collectors are subject to self-guided tutorial programs that cover the FDCPA, FCRA and the Professional collection Telephone Techniques. All collectors must pass test in each of these areas to move forward. Collectors are trained extensively on our application software. Instruction is given in basic collection theory and procedures. The trainees receive intensive instruction in the methodology of negotiating a payment arrangement. Role play is utilized extensively as a learning tool. The collectors learn about the common debtor responses and objections. They are taught to handle each situation with professionalism and diplomacy. The trainees learn to recognize and resolve valid disputes. Collectors are frequently re-trained and monitored to achieve peak performance.

26. Technology We have partnered with the following technology vendors: CollectOne, CDS software solution This Premier Collection System is the most comprehensive yet easy to use collection solution on the market. CollectOne uses Microsoft SQL Server as it’s database engine, allowing it to be the most powerful and versatile collection database manager on the market. These are some of the other features that CDS offers: Letter Versatility –In-house or Outside Vendor Printing Placement Import (Excel Module or Custom imports) and a vast library of existing imports Fully Integrated Dialer - IAT Report Flexibility - Standard comprehensive and unlimited custom Crystal reports available Auto Draft -ACH and Credit Card via partner EPP Document Imaging - Scan and Attach documents for reference, reprint, fax or email Powerful Management Tools allowing close inventory management. Audit Features Set Reminders and Special Time Calls Collaborate Collection - Skip trace Departments

27. Disaster Recovery & Back Up Disaster Recovery Plan Greentree & Associates has planned for a disaster with up front vendor planning. We have partnered with SonicWall for network security Veritas’s Symantec for data backup, and Dell for hardware. Our offsite tape rotation ensures that we will have full data capabilities. Our process maps out different response scenarios based on the disaster. System Back-up Information Greentree & Associates uses Symantec Backup; This robust product is designed to leverage disk and features backup, restore, disaster recovery, single drive library support, Exchange Server, SQL Server, and SharePoint Services protection and recovery. A select family of powerful agents and options deliver storage management tools to meet diverse application needs for growing and upgrading storage management capabilities. This now includes continuous disk-based data protection; helping eliminate backup windows, improve reliability, and deliver the first web-based file retrieval functionality

28. Data Security Data Security Review and Process Our collection software, CollectOne, employs data encryption over the wire and data encryption at rest technologies, to ensure integrity and security at every level. We use SonicWall for our security platform. It features a deep packet inspection firewall, 802.11b/g secure wireless, gateway anti-virus, anti-spyware, intrusion prevention, content filtering, failover/failback technologies, and IPSec in one solution. Greentree & Associates systems require users to reset passwords frequently. Handling of Accounts Our collection system CollectOne records all account activity with action and result codes. Specific date and time stamps are recorded on each account for all activity. These notes are secure and are a permanent record. Server Room Greentree & Associates collection technology is located in a secure locked location within our main office in Escondido, CA.

29. Account Management 9

31. Clients can view accounts online

32. Clients can view reports online

34. Skip Tracing Tools LexusNexus Score and Scrub Address & Phone Append - National People Identity database Scrub Process with Deceased records and Bankruptcies, Judgment and Liens Filings Location Score and Collectability Scoring Property Batches TransUnion Score and Scrub – Collection Prioritization Engine Verifies Consumer Identifying Information - Name, SSN, DOB, POE Address & Phone Append – independent, national, and multi-source database Bankruptcy and Deceased Indicator Collectability Score – assesses likelihood of collecting $50 or more within the next 12 months TransUnion Inquiry Analysis – returns information from credit applications within 90 days TransUnionDataConnect Characteristics- 180 predictive credit characteristics available to choose from TransUnion Equity Search TransUnion is in the process of developing a product that will provide information specific to the amount of equity a debtor has accumulated. This value is calculated using figures reported by a debtor’s mortgage company directly to TransUnion.

35. Skip Trace Flow

37. Automated Clearing House (ACH)

38. Personal, business or cashier's check

39. Money Order

40. MoneyGram®

42. Borrower Website Greentreeoffers debtors the convenience of secure, 24-hour access to account information via www.greentreeandassociates.com. We encourage debtors to take advantage of our online resources including: E-mail contact with the collection manager Make online payments using credit cards and/or checking information Update contact information

43. Client Website Greentree website offers clients and borrowers secure 24-hour real-time access to the status of your accounts. The ability to read in-depth collector notes View payment history and reconcile your accounts with our figures Submit accounts on-line Submit address changes or notes on a debtor

44. Affiliations ACA International Better Business Bureau (BBB) California Association of Collectors (CAC) National Association of Subrogation (NASP) National Association of Woman Business Owners (NAWBO)

45. Client Testimonials Hey there, I just want to say you are one of the best companies I have worked with b/c you are not scared to call and ask us questions. You care about our customers’ needs as well. One more thing that I like is that you are always easily accessible unlike most collections companies. Thanks for all of your hard work and dedication to us. Meghan Bowers/ Enterprise Rent A Car I have been using Greentree for over 3 years now and they have always been available when needed and responsive to all inquiries. They make it easy for my adjustors to send files over online and are prompt on sending out the payments. We have seen great results from their services. Let me know if you need anything else. Clint Haskell Subrogation SupervisorEnterprise Rent-A-Car Company of Los Angeles After having been in the insurance claims profession for almost 40 years, I have had many experiences with collections and subrogation companies, some good, some not so good. I can state that your company has done an outstanding job for my property claim department. Your reports are timely and contain the information needed to inform us of what is going on with our claims. The efforts of your collections department are very good and much appreciated. Keith Eggland Markel Southwest Property Claims Manager

46. Why Greentree? Dedicated Client Service Department Experienced Collectors and Management User Friendly Web Access Flexible Reporting Features Outstanding Recovery Rates