Greenberg, Grant & Richards is a collection agency that has been in business for 18 years. They employ experienced collectors across six US locations to aggressively pursue debt collection through expert negotiation and private investigators. Their goal is to provide superior client services by reducing DSO, improving cash flow, and increasing profitability for clients through their successful collection techniques and technology systems.

1. Collective Results!

2. “ T o Provide Superior Account Receivable Management Solutions to Reduce DSO, Improve Cash Flow, and Increase Profitability.” Mission Statement

3. A Message from Our President In today's business environment, fast and effective recovery of your receivables can be critical to the success of your company. In fact, cash flow can be your most valuable asset; therefore, it makes sense to entrust it with professionals. Our expertise and professionalism deliver the results you require without compromising current business relationships. Speed and persistence are the keys to our tremendous success. We stay abreast of delinquent companies, aggressively pursuing the collection of your money through expert negotiation. I have dedicated my career to the collection of the debt entrusted to Greenberg, Grant & Richards, Inc. by our loyal Clients. Scott Swisher, President

4. Houston, TX Tampa, FL Austin, TX Corporate Headquarters Los Angeles, CA New York, NY Chicago, IL We take great pride in providing superior client services and have a long history of exceeding client expectations. In business for 18 years, we have grown into a position of leadership within our industry. We employ team members in six locations in the United States.

5. Advantages Experts- We use techniques proven successful over our 15+ years in business, as well as current trends and techniques Experience- Our team of seasoned collectors have an average of 20 years of large balance commercial collections experience Certifications- We are certified, licensed and bonded by the Commercial Law League of America as well as SAS 70 Certified Fortune 1000 Clients- Many currently entrust us with their collections, and have done so for almost two decades Technology Professionals- Our highly trained team members have the most up to date technology at their fingertips to ensure efficient management of your portfolio

6. Professional Certifications & Memberships

7. We maintain the highest recovery ratios in the industry. This is due to our collection team working in concert with a network of more than 12,000 credit-trained private investigators. These private investigators provide professional face-to-face contact with debtor companies and greatly enhance overall asset and liability investigation results. Local investigators are typically engaged within 24 hours of an account placement. Recovery Rate

8. $ $ $ $ $ $ 60 90 120 180 240 300 360 days Probability to Recover High Low GGR Recovery Industry Average Dept of Commerce Est.

9. From Placement to Collection Our accelerated collection procedure begins with the placement and distribution of your files. Our team of collectors are assigned new accounts based on their industry experience, expertise, and tenure within the company. Entry level collection team members, required to have a minimum of three years experience in the industry, handle the small balance accounts. Our large balance team members all have over 20 years experience in the collection industry. Upward mobility is available to team members upon proven performance. Upon assignment to the appropriate collector, a flow chart of procedures is immediately followed until the account is collected, recommended for litigation or recommended for write off to the Client. Our nationwide network of CLLA attorneys allow for easy access for the litigation process. Greenberg, Grant & Richards, Inc. team members have extensive experience working closely with clients and are effective in preserving existing customer relations between our clients and their customers.

10. Technology Leverage Powerful technology base with modern IP based communication owned and operated in house; EDI, Web-services to interact and communicate with client systems; Secure internet enabled (SSL, Digital Certificates, Secure FTP)

11. Hardware Platform Modern communication system and Data Center Multiple T1 backbone Dell Power Edge servers Secured firewall and DMZ for Web server In-house Website hosting and Mail 100% UPS backed with fail-safe redundant sources.

12. Software Platform Fully Integrated CRM System to Ensure Expedited Service to Client; Integrated Client Trust, Collection and Legal Management Systems; Real-time Statistics for Client and Management Team; Auto Tracking of Placement Throughout its Lifetime; Telephone Exchange Integration; Secured Access at All Levels.

13. Our comprehensive disaster recovery plan begins at the desktop of each team member. Multiple levels of firewalls, as well as antivirus systems, are incorporated company-wide to ensure data is secured and functioning at the highest levels at all times. With natural and man-made disasters occurring often, our policies and procedures go into effect immediately and have priority systems transferred to our satellite offices. In the worse case scenario, we can have our systems transferred to a co-location facility. Disaster Recovery

15. Our Disaster Recovery Plan occurs within the first few hours; thus allowing for uninterrupted service for you, our Client. Backup of all data is performed in a multitude of ways, to a variety of media outlets, insuring the integrity of Client and Greenberg, Grant & Richards Inc data. All systems are frequently tested to ensure functionality and compliance. Those systems not meeting our high standards are reviewed for possible replacement. Disaster Recovery

16. Your data on our system, is secure and set for immediate failover; Multiple servers set in a Microsoft clustering environment allow for continual uptime; Real-time failover ensures no data loss and continued productivity; Our highly trained and certified Information Technology staff, along with a significant investment in equipment and infrastructure, has allowed for a greater than 99.6% continual network uptime in the past 6 years; With redundant data and voice lines, and our multiple office locations, we are not affected by services outside of our control; This allows for uninterrupted attention to your files. Disaster Recovery

18. Client Access Real-time access to our database allows Client access 24/7 via web, email or mail; Collector notes are available for review online to evaluate progress; Client and individual debtor statements are available to download for analysis in MS Excel spreadsheets allowing for easy manipulation by Client. This also allows for the ability to break down the debt by operating unit, cost or profit center; Project cash flow using historic debtor payment patterns, debtor post dates and debtor promises; Download in MS Excel spreadsheet for ease of use

19. Each debtor file can hold thousands of individual accounts under the same file, meaning that Client can track a multitude of transactions under one debtor. Real-time access to track the moves of each debtor enables the Client to stay on top of each debtor and each individual account. Multiple Accounts Handled with Ease

20. Online Client Placements Client can place single accounts through their web access login. Information needed: - Account (transaction number) - Client Customer Name - Customer Address - Customer City - Customer State - Customer Zip Code - Customer Phone Number - Date of Last Invoice - Balance Owed

21. Bulk Account Placement Large placements can be sent by Client on Excel spreadsheets. This ensures that a large volume of debtors with multiple accounts each take minimal time to input and allows for the expedited collection of money through a more efficient process.

22. Additional Info Any additional responsible parties, contact information, etc. Contact Information Who is responsible for the debt? Notes Collector notes are found here as is any additional information found. Account Client transaction numbers are inserted for easy reference.

23. Client Placement Summary Informs Client of the current individual statuses of the placed accounts. This report can be exported into an Excel spreadsheet for further analysis.

24. Client Statement Allows for easy printing or export to an Excel spreadsheet or import into their A/R system. Client

25. Batch Track Collections Report This report allows for Client to track the collection activity as a whole on all accounts placed. The report begins with the initial month of placement and allows for a full year of collections tracking.

26. Client Statistics Client can review placement statistics at anytime. This includes yield, AWP, amount collected, debt generation patterns and more. Client

27. References

28. Bond Coverage

29. Errors and Omissions

30. Greenberg, Grant & Richards Inc. has made significant investments in our communications, IT Systems and proprietary software that is flexible enough to efficiently handle all placement, collection and reporting requirements for your company. Our good reputation coupled with our outstanding collection team will help to drive superior collection results and reflect the high standards of your company .

31. Thank You! We sincerely appreciate the consideration you have given to the services offered by Greenberg, Grant & Richards, Inc.