Banks and Credit Unions have Overdrafts/ODP\'s and usually they just close accounts at 45 days and dump them into a negative database. This is found money for financial institutions

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4. A few Banks/CU’s that work with TSI State National Bank Texas Cummins-Allison Corp Citizens Bank Las Cruces NBSC Deposit Processing Greater El Paso CU Arvest Bank Happy State Bank First Light FCU The Bank & Trust Capitol Bank Century Bank FSB 1 st National Bank Bank United First Nat Bank Edinburg Eden State Bank Lubbock National Bank National Penn Bank United Community Bank Western National Bank Odessa First Charter Bank People Bank First State Bank of Texas Washington Federal Frontier National Bank Union Bank & Trust Inter National Bank First United Bank Robert Lee State Bank Sundown State Bank Hereford State Bank Community First Albuquerque

5. PROBLEM with Compliance Software /Internal Letters/Calls Phase I: IN-HOUSE COLLECTION FOR 30-45 Days Day 7 1 st Letter After Daily Or Weekly Report Day 14 2 nd Letter Day 21 3rd Letter Day 30 4th Letter Close Acct Day 45 Account Sent To ChexSystems Phase II: PERCENTAGE AGENCY or ChexSystems % Average Rate of Recovery = 5% to 10% ● Average Fee = 40-50% True Cost of Collections = 90 to 95% or more in lost fees

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10. Debtor Contact Map – Local Presence

13. Sample Status Report