Revenue Enterprises, LLC.800-774-7147www.RevenueEnterprises.com

3131 S. Vaughn Way Suite 426Aurora, CO 80014

Resolving Receivables with Compassion, Clarity and Results

Company OverviewRevenue Enterprises, LLC., (REL) is a growth oriented full-service national collection agency specializing in Early-Out, Primary, and Secondary charge-off collection services and Business Process Outsourcing (BPO). We are an expanding and diverse organization providing customized, innovative, cost-effective and flexible collection call center solutions for our clients. The management team at Revenue Enterprises

»focuses on several key elements for success: our highly trained collection staff, the utilization of proven fail-safe technologies, unmatched customer service excellence, the flexibility to meet our clients’ specific ongoing needs, and an unwavering commitment to compliance perfection. At Revenue Enterprises we promote “Brand Integrity” in everything we do for our clients, in the market place and community.

Tim Brainerd’s philosophy has been to pay his staff top wages and promote the success of the organization by fostering a positive management style and corporate culture. The culture at Revenue Enterprises promotes unparalleled employee retention rates, giving clients highly trained and experienced collection call center professionals. As a result, employees enjoy coming to work and making a difference in people’s lives by helping to ease the anxiety of collections and seemingly insurmountable debt situations. Our collectors help shift the focus from debt to reachable solutions enabling people to get back on the road to financial freedom. Revenue Enterprises’ commitment to excellence in everything we do is what sets us apart.

Management Revenue Enterprises’ strength is attributable to every member of our staff and the highly experienced and dynamic management team at REL. Revenue Enterprises’ success has been achieved through years of hard work, determination, professionalism and the belief in raising the bar in everything we do for our highly valued clients. Tim Brainerd, CEO, originally founded Revenue Enterprises, based in Aurora, Colorado, which has been in continuous operation since 1987. Tim’s goal was to take the proven professional methods used by larger operations and integrate those methods into a more flexible, high performing and customer service oriented agency. Tim and the management team are determined to grow Revenue Enterprises into a nationally recognized leader in the industry that was built on the notion of offering a better product based on Compassion, Clarity and Results. The REL senior management team offers over 95 years of combined professional industry experience.

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ServicesRevenue Enterprises offers specialization in customized collections, receivable management & BPO programs. We offer other quality services including:

• Pre-charge off letter campaigns• Post charge off letter campaigns• Past due call campaigns• Skip to collect collections• Asset location/verification services

• Account scoring/modeling• IVR resources• National attorney network for legal action• Client-tailored programs

Collection StaffRevenue Enterprises’ exceptionally trained, motivated and quality call center collection staff is one of our most valuable assets. REL has recruited a diverse staff that can handle any situation and do so with the utmost professionalism. At Revenue Enterprises, each associate is treated with the highest level of respect and afforded every opportunity for additional training and advancement. Our collection staff values being a contributing team member of a unique and driven company. Our recruiting staff selectively searches for the best candidates, with the required skillsets, that are eager to earn top wages and desire the opportunity for advancement. REL hand picks candidates that are intelligent, committed, and ready to learn what it takes to be a true professional call center employee. REL believes that each member of our collection staff can be extremely successful while respecting a debtor’s right to be treated in an ethical and legal manner, thus holding true to our fundamental company belief of Compassion, Clarity and Results.

Revenue Enterprises’ customer service and support staff are carefully selected for their experience, professionalism and attention-to-detail. Each team member offers a unique commitment to both REL and our clients. Team members are cross-trained departmentally, functionally and procedurally. Furthermore, team members receive formal training for each client they are assigned. Both customer service and collection staff operate with an important emphasis on “Brand Care” to maintain the highest level customer service experience, whether working directly with the client or consumer. REL employees strive to be a true natural extension of your company. Revenue Enterprises maintains strict supervision in all facets of daily operations. Supervisors and managers are given the full-time job of overseeing their staff. They do not work their own collection files. It is their full-time job to conduct daily audits, critiques, monitor for compliance, productivity, and assist in ongoing training. Daily meetings are held to communicate forecasts and evaluate progress made on projections month-to-date. Each week group meetings are held to cover a specific training subject (i.e. relevant CFPB, legal precedents and compliance, etc.). Managers and supervisors are chosen for their success as collectors and they are encouraged to lead by example and promote the success of each member of their own team. Collectors are paid a base salary, commission and a variety of bonus programs designed by their supervisor to meet monthly client objectives. Predetermined commissions schedules are paid once collectors meet and surpass their projection. Our clients often reward collectors with bonuses for surpassing their specific goals and/or for an individual team member’s achievement.

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TrainingRevenue Enterprises’ three week comprehensive training program promotes strict adherence to REL and specific client compliance guidelines as well as, FDCPA, ACA, CFPB, HIPAA, attorney general, state and federal laws. Our quality and thorough training program involves role playing, dispute negotiation, FDCPA education and testing, CFPB, FTC, state attorney general precedents/updates, applicable local, state and federal laws, negotiation techniques and additional training involving our Columbia Ultimate collection software. Revenue Enterprises’ employees conform to the highest standards of ethics and professionalism at all times. A large part of our training is “hands-on” regardless of an individual’s prior experience; all employees must complete our unique training program, which includes “Client Brand Integrity” and quality customer care training. Once the collectors have met the training class requirements they are assigned to a unit on the collection floor where they are under the strict guidance of a manager. Each collector is tested every 90 days thereafter to ensure continued compliance adherence and FDCPA and ACA updated training. Revenue Enterprises maintains a low 11:1 collector-to-manager ratio. This ratio affords each collector the maximum amount of continuous support of a supervisor at all times.

Automated EnvironmentRevenue Enterprises utilizes proven fail-safe technologies that increase efficiencies, security and cost savings. For years REL has benefited using the Columbia Ultimate Business Systems (CUBS) – The Collector System, integrated collection system, which incorporates the latest dialing technology with an integrated predictive dialer – CU Converse Predictive Dialing System. The dialer is highly adaptable and offers unlimited dialing capabilities. Our collectors can go from a manual environment to dialer mode with the push of a button. The CUBS system also offers Data-Encryption-At-Rest for some of the most sophisticated security standards in the industry. CUBS Operational functions including client reports, custom reporting, custom statements, custom account coding, performance reporting, collection activity, credit bureau access, collection letters, accounting and the remote account auditing function enables clients to remotely audit their accounts through a secure VPN link at any time.

Other Automated Tools:

• The CUBS system utilizes the IBM AIX Universe Database Platform.

• Toshiba CIX-670 VOLP Digital Telephone & ACD System, allowing automated distribution of account to dedicated collection associate.

• TASKE - contact reporting & Display Central• OASIS-Tracer - call recording and monitoring system• Global Connect – IVR solutions• Billing Tree – consumer payment solutions• Quick Collect – Western Union’s national

rapid payment system• LexisNexis/Accurint – skip tracing/

account scoring/modeling• Accolaid / Directory Net – skip tracing• Experian / Trans Union, TRW /

Equifax, – credit bureau reporting• Revspring – address scrubbing, letters

and electronic mail return

Revenue Enterprises is capable of accepting new placement files through any type of media such as a secure FTP link, VPN link, Excel File or even hard copy, etc.

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CollectionsCollectors are divided into teams and dedicated to a single client or a very selective group of similar clients. This structure ensures the highest-level collector, supervisor and manager accountability for each client. Collectors are dedicated to the type of portfolio they have been trained for and have experience working with (i.e. credit card, auto finance and telecommunications, etc). REL believes it is crucial to match individual collectors’ strengths to a particular portfolio, in order to achieve individual, company and client goals and promote long-term success.

An important part of our collection philosophy is to maintain lower dedicated collector account loads to maximize coverage and generate faster contacts by dialing all “good-phone” accounts daily. This proven method also helps to promote far fewer complaints, law suits, NSF’s, strict adherence to compliance guidelines, and “Brand Integrity” for our clients and for Revenue Enterprises, etc. If the first collector is unsuccessful in generating a payment or a contact in the first 30–45 days the account is turned over to a second voice collector in an attempt to generate a contact and a payment. Additional skip tracing is also performed to find additional points of contact. Revenue Enterprises incorporates our predictive dialer and IVR resources (Global Connect) to help generate contacts and follow-up on paying accounts, finalized accounts, small balance portfolios (less than $700) and accounts that fall into our “last attempt” strategy (to generate a payment before the placement recall date). If a payment is generated it is moved back to a front-end unit. Collectors maintain their files until the account is paid-in-full, settled-in-full, or closed back to the client.

Partial payment arrangement (PPA) accounts are maintained by the individual collector who made the arrangement, which increases accountability and a greater sense of trust. The same collection associate will track and follow up on payments until the account has been satisfied based on the predetermined weekly or monthly schedule. This is important for tracking, maintenance and continually upgrading individual payment arrangements and/or achieving final balance paid-in-full.

Performance TrackingManagers and floor supervisors review performance and production measurements daily. Individual collector performance is tracked by reports illustrating:

• Compliance • Complaints • Escalations • NSF rates • Total dials inbound/outbound • Available/idle time • Hold times/abandon calls • By hour call volume analysis • Number of contacts • Number of promises-to-pay • Kept promise totals • Payments-in-full totals • Settlements-in-full totals • Settlement arrangements • Average payment size • PPA growth • Post-dated check totals • ACH totals • Credit card payments • Hours/system time • Fees generated • Client team ranking

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Skip TracingAccounts initially run through Banko™ and an electronic directory assistance database. All no-phone accounts or accounts with an invalid number receive an extensive skip trace effort in the first thirty days from placement to locate the account holder or co-signer on the account. Accounts placed with a good number that have not generated a contact within the first five days will receive skip trace work to locate additional points of contact. Once skip trace efforts are 100% exhausted a manger reviews the accounts before being closed back to the client. Accounts are thoroughly skip traced using a minimum of, but not limited to these resources:

• Acollaid/Banko/Lexis-Nexis/ Accurint• Revspring• Online Credit Bureau Reports

• Tax Assessors/Property Asset Search• People Search Information Systems• Other internet skip trace databases (continual-testing)

Client ReportsRevenue Enterprises offers clients a wide variety of standard system generated reports offered by our Columbia Ultimate (CUBS) collection software. In addition, we routinely offer clients ad hoc reports if requested. Our staff can design specific reports to meet each client’s specific ongoing needs at no additional fee. Standard Client Reports:

Reconciliation & Account Acknowledgment: Verification of each account placed will be acknowledged and show the names and balances.

Client Statement: Illustrates all collections activity during the previous month.

Inventory Report: Reflects a complete listing of active accounts with dollars placed, current balances, status and work history of each account.

Detailed AR & Performance Report: Tracks collection performance by placement, month and year.

Cancellations & Return Report: List of accounts returned and the reason for being returned.

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Hours of Collection Operation

Monday-Thursday 7 a.m. – 9 p.m. Friday 7 a.m. – 8 p.m. Saturday 7 a.m. – 1 p.m. Sunday *Schedule based on client needs

Each collector is required to work two evenings per week and two weekends per month. Call times are adjusted to meet client expectations and specific portfolio demographics.

Licensing

Revenue Enterprises strictly adheres to the licensing, certification requirements and renewal policies of each individual state. Insurance

Revenue Enterprises is fully insured and bonded at levels higher than those required by the American Collectors Association and our clients.

Collection Letters

REL collection letters are sent via online by Revspring, which is a fully automated process in connection with our CUBS collection software. REL letters are in full compliance with FDCPA, the American Collector Association. Federal and State authorities have approved Revenue Enterprises’ letter series. Member Association

• American Collectors Association• State of Colorado & National HFMA• Aurora, CO, Chamber of Commerce• Accredited Better Business Bureau Member

REL Company Quotes

“We greatly value the opportunity to grow with each of our clients.” REL, MGT.

“Resolving receivables with Compassion, Clarity & Results; Revenue Enterprises will lead the market in results, maximizing Client Recoveries & Consumer Satisfaction.” REL Mission Statement

“Our quality approach protects and enhances your image and brand in the community.” REL Team Belief

Resolving Receivables with Compassion, Clarity and Results

Revenue Enterprises, LLC.800-774-7147www.RevenueEnterprises.com

3131 S. Vaughn Way Suite 426Aurora, CO 80014