13. Houston Office

14. Buffalo Office

19. Appendix I – Leadership Biographies Ransom C. Lummis – Chairman Ransom Lummis serves as the Chairman of Pentagroup Financial, LLC. As Chairman, Lummis oversees strategic planning, financing and acquisition activities. Through a partnership with Participations & Investments, LP, Lummis develops, administers and facilitates transactions to provide capital to middle-market companies for leveraged acquisitions, management-backed re-capitalizations and growth investments. Lummis also serves on the management committees of Cameron Investment Limited Partnership, an owner of office properties, and Mackey & Tanner LLC, an executive search firm. Prior to joining Pentagroup, Lummis worked with two private equity firms in Houston, First Sterling Ventures and Summit Capital, Inc. He was also President of Alegis Group, Inc. Lummis is actively involved in community non-profit organizations and currently serves on the boards of Da Camera of Houston, which presents chamber music, and The Gathering Place, which provides a clubhouse environment for persons with severe and persistent mental illness. Lummis earned a BA in English from the University of Virginia and an MBA from Rice University. Frank S. Russo – Chief Executive Officer Frank Russo serves as chief executive officer of Pentagroup Financial, LLC. Prior to joining Pentagroup, Russo served as president and CEO of Alegis Group, LP, and served as Senior Vice President of Operations at Equifax. During his 30+ year career, Russo has served in leadership roles with nationally recognized collection companies including DCI and its successor companies, (Integratec, Inc. and Equifax Risk Management Services) and GC Services. Russo earned a BS in education from the State University of New York in Buffalo.

20. Appendix I – Leadership Biographies Ron Rovall, Jr. – President Ron Rovall brings more than 25+ years of senior level experience in the receivables management industry to his role as President of Pentagroup Financial, LLC. Prior to joining Pentagroup, Rovall served as Vice President and Managing Director of First Data, Financial Services, a division of First Data, Corporation. Rovall has also worked with Telecheck, a division of First Data, GC Services, TRW Receivables Management Services, and has co-owned a collection agency in Houston. Rovall earned a BS degree in business administration from the State University of New York at Oswego and earned an MBA from the University of Houston at Clear Lake. He has participated in executive development programs at both Harvard University and The Wharton School of Business. Rovall is involved in many community and non-profit organizations including John Paul II Catholic School. Bob Tobitt – Executive Vice President and Chief Information Officer Bob Tobitt joined Pentagroup Financial, LLC in 2002, where he designed and wrote the company’s proprietary collection system, Pentagroup Account Recovery Collection System (PARCS). Prior to joining Pentagroup, Tobitt served as Vice President of technology services for Alegis Corporation, which later changed its name to Alegis Group, LP. During his career, Tobitt has provided technology services for a variety of companies including Surpass Collection Services and GC Services. Tobitt was trained in nuclear engineering for power generation before focusing on computing and IT applications. Born in England, Tobitt came to the United States in 1984 and obtained a permanent resident status in 1986, then became a U.S. citizen in 2003.

23. Skip Trace Strategy Accounts in Agent’s Desk Batch Sources Google Relative Search Nearby Search Credit Report Accurint Lexis Nexis 411 Collector’s Desk Novis TSF Insight America TransUnion Q Sent

24. Training Process New Hire Training* * See separate New Hire Manual for Additional Information Call Monitoring Professional Telephone Techniques FDCPA & State Laws Skip Trace Training Computer Systems Training Job Shadowing Calls Monitored At Random Calls Are Scored Immediate Feedback to Agent Only Complete Calls Are Scored