Introduction to AWA Collections

1. Adler Wallach & Associates, Inc. When Speed, Trust and Reliability count… AWA Collections is here to serve you.

2. AWA Collections is a licensed and bonded collection agency that was founded by Allan Adler in 1991. We are a one-stop resource for all your collection needs and offer customized delinquent accounts receivable solutions including credit bureau reporting. AWA has always maintained the highest level of integrity and professionalism while offering clients the most aggressive and effective recovery methods available.

3. COMPETITIVE RATES AWA Collections is large enough to offer rates that are competitive with larger firms yet small enough to provide consistent, knowledgeable and expert attention. We always strive to deliver prompt, comprehensive and personal service.

4. NO EXCLUSIVE OR BINDING CONTRACTS Our debt collection programs are driven on performance. Unlike many of our competitors, we do not require you to lock yourself into a binding contract, or require you to submit your accounts at a certain age, or even commit your firm to sending all accounts to AWA exclusively. We will earn your loyalty through our performance, not a contract.

5. Flexible Programs - Risk Free We provide several approaches to the collection of delinquent debt. The collection alternatives offered are designed to meet the specific needs of different clients we represent, at the different stages of collection. We have no up-front fees or sign up charges for our collection services. AWA only receives a fee if we are able to collect the debts you place for collections. If we do not collect, we do not charge a fee for our service. RISK FREE!

6. Our Mission Our mission is to continue to be a company of unyielding standards and integrity. Our reputation for honesty and ethical conduct is tested, proven, and displayed in each action we engage in, and each transaction we make.

7. AWA Offers Clients: Extensive skip tracing capabilities and experience State-of-the-art online reporting and account access tools Strong connections with every major credit bureau Errors and omissions insurance coverage up to $1M Latest technologies to ensure the security of sensitive data

8. Industries Served Include: Bank Card/Financial Lending/Mortgage Healthcare Telecommunications Insurance Hospitality Retail Utilities Government

9. Taking Action for You AWA has a network of Collection Attorneys nationwide to handle accounts in the event litigation is necessary.

10. Services We Provide Third Party Collections Early Out Pre-Collection Services Second and Third Placements Bankruptcy Filing and Monitoring Litigation Filing/Judgment Execution Credit Reports/Asset Investigations/Skip Tracing

11. Meet Our Staff “Our staff has over 100 years of combined consumer and commercial collections experience. We have one goal: to collect your debt." Allan Adler, President and CEO Since graduating from Auburn University in 1976, Allan Adler has well over 30 years of experience in credit, financial managing, and collections, including almost 20 years as President, CEO, and Founder of AWA Collections. Prior to founding AWA, Allan was the Founder and Owner of CMS Collections, a collection letter service which operated for three years. Under Allan’s leadership, AWA Collections has continued to grow and thrive. Prior to creating his own companies, Allan held management positions at First Federal of Seminole Savings and Loan, Burdines Department Stores, JW Robinson’s and Experian.

12. Meet Our Staff Marian Mapes, VP of Operations Marian has been involved in Credit and Collections since 1979. Prior to joining AWA in 2004, she was a Regional Manager with Citibank in their private label credit centers. She later held the position of Divisional Vice President – Credit, with Robinson’s, and then May Department Stores. Most recently, she was the senior credit executive for a private telecommunications global carrier. As the head of all operations functions, Marian is responsible for a wide range of duties including collection operations, human resources, legal compliance, facilities management, state licensing and IT. Ms. Mapes holds a Bachelor’s degree from the University of Southern California.

13. Meet Our Staff Harley Marchbank, Director of Business Development Before coming to AWA, Harley was involved with many industries, including Food and Beverage, Hospitality, Customer Service, and Sales, all leading him to the Accounts Receivable Management (ARM) industry. During ten years with a nationally-based collections agency, Harley provided oversight for many Fortune 1000 clients as the Senior Account Manager. For the past five years, Harley has continued his success at AWA, growing AWA’s client base in diverse industries. Harley is proud to be with a company of unyielding standards and integrity.

14. Meet Our Staff Mike Dalessio, Director of Collections Mike Dalessio began his credit and collections career with Xerox Corporation where he managed Credit, Collections, Billing and Customer Service teams in their Southern California Western Regional headquarters. Mike also managed collection teams for AirTouch Cellular (now Verizon Wireless). He received a Bachelor’s degree in Business Management from Pepperdine University and also holds an active California real estate license.

15. Meet Our Staff Trish Hart, Director of Call Center Operations Ms. Hart has over 17 years of experience in the Collections industry. She has an extensive working knowledge of automated dialer systems and their effective use in high volume call centers. Trish specializes in designing and implementing client-specific recovery strategies across a wide industry spectrum. One of her concentrations is developing early intervention campaigns that resolve delinquency issues in a timely manner. These customized programs minimize accounts moving to a severe aging status while preserving customer-client relationships.

16. Meet Our Staff Wendy Downey, IT / Data and Systems Administrator Ms. Downey has 22 years of experience in the collections industry. She started out as a collections supervisor and then moved into areas of data transmissions and collection software management. Wendy now trains all new employees to use CR Software, a collections-specific database program. She is responsible for maintaining data security and compliance according to industry standards. All data file transfers are handled through her department and she is a key contributor to the company network running efficiently.

17. Meet Our Staff Stephanie Adams, Client Services Account Representative Ms. Adams has 13 years experience in providing excellent customer service to our clients. Her organizational skills and working knowledge of today's computer technologies and software are an asset to AWA. Stephanie also is a valued member of the Sales and Marketing Team.

18. P a r t n e r s

19. Adler Wallach & Associates When Speed, Trust and Reliability count… AWA Collections is here to serve you. Contact Information Harley Marchbank Director of Business Development hmarchbank@awacoll.com (714) 771-3690 Ext. 214 www.awacoll.com