Debt Resolve is an online debt collection company that allows customers to resolve delinquent accounts through their system without live collectors. Their system connects customers online, allows them to resolve debts through self-cure or negotiation offers, and collects payments directly. The system works across all stages of delinquency in any language. It provides significant cost savings through automating the collection process and securing additional payments online from debtors that could not be reached otherwise.

1. DEBTRESOLVE HOW IT WORKS TECHNOLOGY AND SECURITY OUR COMPANY
THE COMPANY
Bring more to your bottom line…
by harnessing the power of our internet system.
Debt Resolve introduces your customers to the lowest-cost channel for resolving
their delinquent accounts. With the DebtResolve system, your customers have Works at every
the opportunity to self-cure, negotiate with you, or nalize payment arrangements. stage of delinquency.
This happens online, 24/7/365, in any language, and without using your valuable
collections resources. You will realize signi cant cost savings, collect more, and OVERDUE ACCOUNTS: 30, 60, 90 days
reach customers you haven't been able to contact. Put the DebtResolve
system to work for you by: LATE-STAGE COLLECTIONS: 120, 150 days
Moving your customers online at every stage of collections. POST CHARGE-OFFS: 180+ days
Collecting more dollars at a lower cost.
Receiving settlements above your parameters, using our patented bidding system.
Cutting your legal exposure through pre-approved language.
Integrating seamlessly with your current technology.
The system works in any language, and any currency.
Connect. Resolve. Collect.
Contact your delinquent customers Use our online resolution and Allow your customers to pay online
by email, letter or phone. They patented bidding process to handle through the DebtResolve system
update their own personal thousands of negotiations immediately. Funds are deposited
information, and we capture their simultaneously, without involving a directly into your account.
email addresses for you. live collector.
Contact Us:
John Grimm Debt Resolve, Inc. (AMEX: DRV)
Vice President of Sales 707 Westchester Avenue, Suite L-7
phone 914.949.5500 White Plains New York 10604
email info@debtresolve.com
website www.debtresolve.com Copyright Debt Resolve, Inc. 2008

2. DEBTRESOLVE HOW IT WORKS TECHNOLOGY AND SECURITY OUR COMPANY
HOW IT WORKS
Your Brand - VISA
The DebtResolve system is exible and
easy to implement. 1 Your customer logs into
a website branded in
your name, with a
personal invitation code.
1 Connect.
At your invitation, your delinquent customer logs into
a website – branded in your name – and con rms Your Brand - VISA
contact information.
2 Resolve.
A series of simple-to-use screens is presented to the
debtor.
2 The customer chooses
For early-stage delinquencies, DR Prevent™ o ers a from the payment
quick and convenient way for options made available
to them, or makes an
customers to self-cure online. offer for settlement or
payments.
For late-stage and charged-o accounts,
DR Settle™ features a patented bidding process. The
debtor gets three chances to submit an o er and Your Brand - VISA
settle the account. Based on your strategies, the o ers Your Bank - VISA
are compared to treatments you have set right from
your desktop.
3 Collect.
When the debtor makes a successful resolution
payment, it’s collected using your electronic payment
gateways, and deposited directly into your account.
In the event an agreement is not reached online, you 3 Payment is collected
can queue up accounts for e cient follow-up using online and deposited
the new customer contact information you have directly into your account.
received online.
Copyright Debt Resolve, Inc. 2008 www.debtresolve.com

3. DEBTRESOLVE HOW IT WORKS TECHNOLOGY AND SECURITY OUR COMPANY
TECHNOLOGY AND SECURITY
Our technology makes it easy for you. THE DEBTRESOLVE SYSTEM MODULES
Our ASP architecture is built for exibility and scalability. You have the option to control every aspect of the
DR
Prevent ™
website’s functionality. Your branded website and the operating engine are hosted on our secure computers. For early-stage collections, Debt Resolve can help you collect overdue
payments, make payment arrangements and manage account
self-cures all online.
Implementing the DebtResolve system is fast and easy. Simply send us a data feed
of accounts in any le format. There’s no investment in hardware, and the implementation makes
DR
Settle™
On late-stage collections and charged-o accounts, DR Settle
minimal demands on your IT resources. The DebtResolve system utilizes and preserves
incorporates several treatments including a dispute resolution engine
your investment in your current scoring or portfolio management products, and if you that allows your customers to make o ers. These o ers
require advanced or real-time integration, Debt Resolve can work for you. are determined using your business rules and scoring models,
leading to immediate settlements.
DR
Pay™
DR Pay captures customer payments online using your electronic
Data Security payment gateways. DR Pay is tailored to any payment methods you
accept. Funds go directly into your bank account.
The security of the system, and your data, are as important to us as they
are to you. All applications are hosted in an SAS-70 quali ed facility. DR
Mail™
Customers are invited, using a non-speci c email, to return to your
Sensitive data communicated with your customers is encrypted using SSL. website to receive reminders and other messages from you, displacing
All sensitive data stored on our hosted servers is encrypted using the strongest industry-accepted procedures. the collector reminder call. DR Mail can be used for outbound email
campaigns to replace the cost of a dunning letter where appropriate.
Most importantly, as a client, you are invited to review our security procedures or audit our premises at any
time.
DR
Control™
The DR Control module is the administrative portal – providing real
time access to your business rules, strategies, reports, and
results - right from your desktop.
Contact Us:
John Grimm Debt Resolve, Inc. (AMEX: DRV)
Vice President of Sales 707 Westchester Avenue, Suite L-7
phone 914.949.5500 White Plains New York 10604
email info@debtresolve.com
website www.debtresolve.com
Copyright Debt Resolve, Inc. 2008 www.debtresolve.com

4. DEBTRESOLVE HOW IT WORKS TECHNOLOGY AND SECURITY OUR COMPANY
OUR COMPANY
Debt Resolve is an ASP-based service company that lowers your costs to collect
by enabling the collection and settlement of consumer debt using the Internet.
Debt Resolve provides clients with a user-friendly, self-service, online collection solution that will signi cantly reduce costs to
collect receivables.
We o er this service as an Application Service Provider (ASP). Through our “light” data-integration, we enable clients to
introduce this collection option without any signi cant modi cations to their existing computer systems. Connect.
Debt Resolve’s approach is highlighted by the use of the internet as a tool for communication, self-curing, negotiation,
settlement, and payment. Debt Resolve works across all stages of the collection process, in any language. Specialized online
treatments include a blind bidding system that allows private and secure debt settlement through a patented anonymous
Resolve.
bidding process, enabling debtors and creditors to negotiate an amount acceptable to both sides.
Debt Resolve provides clients the opportunity to use our solutions to lower their current cost to collect and to nd those
Collect .
debtors who have resisted other channels. At the client's branded website, the customers/debtors are presented options for
payment or given the opportunity to make their own o ers for settlement. All “self-curing” and collections activity is accom-
plished without the need for sta ed collectors.
Debt Resolve is headquartered in White Plains, New York.
We invite you to contact any of our management team to learn more
about how Debt Resolve can help you collect delinquent debt.
James D. Burchetta Contact Us:
Chairman and Founder John Grimm
jburchetta@debtresolve.com Vice President of Sales
phone 914.949.5500
Kenneth H. Montgomery email info@debtresolve.com
Chief Executive O cer
website www.debtresolve.com
khmontgomery@debtresolve.com
Debt Resolve, Inc. (AMEX: DRV)
Sandra Lee Styer 707 Westchester Avenue, Suite L-7
Senior Vice President and Director, Client Services White Plains New York 10604
sstyer@debtresolve.com
Copyright Debt Resolve, Inc. www.debtresolve.com