The Brown and Joseph Companies provide insurance premium recovery and receivable management services using a four-phase process. They utilize credit reports, asset information and an in-house law office to efficiently recover funds. Their process increases recoveries while reducing litigation costs compared to traditional two-step collection agencies. They also offer customized outsourcing solutions and write-off recovery programs to generate additional revenue.

1. The Brown And Joseph Companies Insurance Services Overview Innovative Credit to Cash Solutions Dedicated to excellence through performance.

2. Premium and Receivable Recovery Commercial and Personal line Premium Recovery General Liability Audit Premiums Actual and Estimated Worker’s Compensation Audit premiums Package Policies Audit Premiums Worker’s Compensation Assigned Risk Premium Agent Commission Overpayments First and Third Party Deductibles Surety Bond Premiums Subrogation NSF Checks Overpayments Wrongful Payments of Annuity or Death Benefits Long and Short Term Disability Overpayments Medical Claim Wrongful or Overpayments Wrongful PCS Payments Claim overpayments Salvage More is always better…

3. Cash Application, Collection/ Dispute and Trade Management Software Credit Reports, and A/R Portfolio Scoring Pre-collections A/R Purchasing Revenue Recovery & Outsource Solutions In House Law Offices and Litigation Bankruptcy and Escheatment Consulting The Credit to Cash Solution The Brown & Joseph Companies

4. The Brown and Joseph Companies ► Headquartered in Rolling Meadows, Illinois ► Our clients (regional, national, and global) are comprised of some of the brightest and most progressive companies ► We understand that every customer relationship is important, including those who have not honored their obligation to you ► Every single customer is treated fairly and with respect ► We desire long term, mutually beneficial relationships with our clients ► We accomplish what we say we will, within the timeframes that are dictated.

5. Concept of Operations: Insurance Division ► Most collection agencies provide a two-step recovery process, which has been the status quo for years, collections and litigation if collections were unsuccessful. ► Brown and Joseph’s four-tiered process goes beyond the normal and provides a more intelligent approach to the recovery process. More is always better…

6. Four Phase Recovery Process ► Internal use of Experian Scoring to quickly identify accounts that need stronger handling immediately upon placement ► Contact through Our Experienced Staff at Brown and Joseph ► Seamless transition into our in-house law office for contact and resolution without increasing the contingency fee or adding legal costs. Our contingency fee remains the same weather collected by our collection agency or through our internal law office ► Litigation if warranted through our National Network

7. First Phase - Credit scoring and Asset information This intelligence provides factual information during the collection process and results in increased recovery, higher settlements, reduced litigation costs and reduced time spent on profitable and non-profitable policyholders. Scoring Details : ► Bankruptcies, UCC Filings and Credit Limits ► State and Federal tax liens ► Collection placements ► Aging Analysis of accounts payable ► Days beyond terms trends covering past six months ► Type of debt incurred ► Contact Information

8. Second Phase – Revenue Recovery ► Brown and Joseph, Ltd., experienced staff contacts debtors ► Brown and Joseph’s collection staff utilizes the credit reports and asset information, which enhances their knowledge of the debtor’s financial condition even before the first contact is made. ► Leveraging this knowledge on the first contact provides an advantage for our collectors and allows them to conduct the conversation based on facts, rather than the debtor’s false statements and objections. ► The results are increased recoveries, with faster resolution and less litigation ► Primary placements ► Secondary placements ► Portfolio purchasing

9. Recovery Support Services ► Internal skip trace department locates accounts that are normally closed by most agencies as a skip ► Internal Asset Investigations to discover hidden revenue resources ► Corporate status verification identifies companies in good standing and verifies those that are out of business ► Internal law office provides legal support for our recovery staff

10. Third Phase – On-Sight Law Office ► In-house law office collections increase recoveries without increasing contingency fees normally associated with litigation assignment. This third step has reduced litigation for our clients to less than 1% without increasing the contingency fee. ► Experienced and in-house legal collectors that know the insurance industry and how to recover premium due ► In-house law office to advise on legal matters for our clients as well as provide a faster turn around time on disputed accounts due to their knowledge of insurance issues ► Our in-house law office collectors recover 20-25% in addition to what our collection agency recovers without litigation.

11. Fourth Phase ► Litigation: National Network of experienced litigation lawyers ► Network supported by our internal law office ► Due to our in-house law office success we refer less than 1% of files placed to our outside network for suit. This saves our clients much needed time, the cost of time and court costs which translate into bottom-line profits.

12. Results of Four Phase Process ► Increased revenue recovery on primary and secondary placements, substantially reduced litigation costs and contingency fees, which have an immediate and positive effect on your bottom-line profits. ► References provided upon request.

13. Client Support Services ► Extensive reporting capabilities customized by client request ► Online real time access provided to accounts placed 24/7 ► Live phone support ► On-line placements ► Bankruptcy tracking and management assistance ► On–demand credit reports and analysis

14. Customized Outsourcing Alternatives, Inc. (COA) Partial or Complete Outsourcing ► We serve as a partial or complete extension of your premium recovery function ► Each outsource program is customized by our client’s unique needs and requirements ► Performance-driven bonuses, penalties and guarantees will be mutually developed for each outsource program Issue Resolution Outsourcing ► Short-term outsource engagements to resolve issues and internal resource challenges

15. Write-off recovery program Files closed as uncollectible by your present agency or attorney Brown and Joseph’s national recovery average on second placement files averages 9%. This revenue thought lost can have an immediate impact on net revenue. In fact we can prove the revenue value in these files and the effectiveness of our system. We will accept files closed for all reasons expect bankruptcy. Upon receipt of these files will credit score a sample of the portfolio, skip trace, verify corporate status, investigate judgment enforcement possibilities, verify bankruptcy and most important of all, identify companies that now have the ability to pay the premium due. Upon completion we report the results, discard the files with no potential or recovery and then pursue those that do on a contingency fee basis thorough all four phases of our recovery process.

16. Write-off recovery program Files closed as uncollectible by your present agency or attorney benefits Additional revenue to the bottom-line Identifies deficiencies in your primary vendors work flow process and enables you to correct those issues Increases primary vendor awareness thus increasing their focus on primary placements Helps establish and increase primary agency recovery benchmarks Reduces litigation placements and costs when files are passed through primary vendor to secondary vendor then into litigation due to the recovery impact of our internal law office collections.

17. Conclusion Thank you for taking time to review and consider our service offering. We have proven our worth and service many times within this industry and with companies you are familiar with. We would like to provide the same value to your company Best regards, Dennis Falletti 847-758-3000 x 206

18. Dennis Falletti Brown and Joseph, Ltd. 1701 Golf Rd Tower 2 Suite 100 Rolling Meadows, IL 60008 847-758-3000 x 206 Websites: Brown and Joseph: www.brownandjoseph.com 9CI Software Solutions: www.9ci.com