Brown & Joseph, LTD is a collection agency headquartered in Rolling Meadows, Illinois that offers a four-tiered recovery process for accounts receivable. They utilize credit reports and scoring to identify accounts needing stronger handling and to enhance collector knowledge. They have an in-house law office that recovers 20-25% more than their collection division without litigation. Their national network of lawyers handles less than 1% of accounts through litigation. They provide customized outsourcing solutions and claim to judge themselves by the companies they keep as clients.

1. Brown & Joseph, LTD Dedicated to excellence through performance.

2. 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 Brown & Joseph, LTD The Credit to Cash Solution

3. Brown & Joseph, LTD ► 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.

4. 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

5. Subrogation Department Specializes in: ► Arbitration filing ► Negotiating skills ► Customer service ► High collection recovery rate ► Skip tracing ► State statute laws ► Uninsured motorist recoveries ► Closed files review

6. Subrogation Expertise Includes: ► Physical damage ► Commercial ► Workers compensation ► Occupational accident ► Moving and storage ► Auto / general liability ► Product liability

7. Concept of Operations: ► 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.

8. 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 ► Litigation if warranted through our National Network

9. 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 clients versus non profitable clients. 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

10. Credit Reports, Scoring Models and Data Elements B2B Marketing Information Credit Application Process Portfolio Scoring and Analysis Products and Services A/R Portfolio Scoring A/R Portfolio Analysis Business Profile Business Owner Profile Commercial Intelliscore Small Business Intelliscore Data Elements - Custom Scorecards Portfolio Monitor- Early Warning Service Application Processing Software Portfolio Management Software

11. 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

12. 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

13. 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 in-house legal collectors ► In-house attorneys to advise on legal matters for our clients. As well as a faster turn around time on disputed accounts due to their knowledge. ► Our in-house attorneys recover an average of 20-25% more than our collection agency division without litigation.

14. Fourth Phase ► Litigation: National Network of experienced litigation lawyers ► Network supported by our internal law office ► Less than 1% of files sued.

15. 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.

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

17. 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

18. Brown & Joseph, LTD Judge us by the Companies we Keep Avalon Risk Managment Louisiana Workers Compensation

19. Stephen Powelson Brown & Joseph, LTD 469-252-1820 [email_address] Websites: Brown and Joseph: www.brownandjoseph.com 9CI Software Solutions: www.9ci.com