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1. ® “Professional Partners in A/R Management” CREDITWATCH 4690 Diplomacy Fort Worth, Texas 76155 (800) 876-1888 www.creditwatchservices.com

2. CREDITWATCH ® Who We Are....

3. CREDITWATCH ® Our Executive Team:

4. CREDITWATCH ® Our Advantage:

5. CREDITWATCH ® SAS 70 II Audited & Compliant Statement on Auditing Standards Number 70, commonly known as SAS 70, is an auditing statement put forth by the Auditing Standards Board ranging on a number of critical subjects. CREDITWATCH Services Ltd. is fully compliant with all subject provisions providing secured and protected access to Accounting and IT. SAS 70 II audit, compliance and certification guarantees that all client, customer and consumer data is systemically secure. All data is redundant at CREDITWATCH ‘s remote off-site location.

6. CREDITWATCH ® CREDITWATCH Access: www.creditwatchconnected.com CREDITWATCH demonstrates its commitment to a more responsible credit community by offering education and assistance programs. Through live educational seminars and Web-based financial assistance programs, we work toward a more vibrant financial future.

7. CREDITWATCH ® Actuary Example

8. CREDITWATCH ® Professional Affiliations:

9. CREDITWATCH ® Compliance:

10. CREDITWATCH ® Contact Information: CREDITWATCH Services, Ltd. 4690 Diplomacy Fort Worth, Texas 76155 (800) 876-1888 Fax: (817) 876-3333 www.creditwatchservices.com Joe Tempesta Joe.tempesta@creditwatchservices.com Jim Fuller Jim.fuller@creditwatchservices.com