The Kreller Group assists clients in reducing costs associated with consumer credit information systems. They work on a contingency basis, charging a percentage of savings realized after implementing their recommendations. On average, clients see a 20-40% reduction in credit reporting expenses. The Kreller Group's process involves analyzing current expenditures, presenting savings opportunities, conducting interviews, tracking savings monthly, and invoicing based on the savings achieved. They have helped over 5,000 clients realize over $250 million in total savings.

1. THE KRELLER GROUP
Credit Data Expense Reduction

2. The Kreller Group—Data Expense Reduction
THE KRELLER GROUP is in the business of assisting clients in reducing the cost
associated with consumer credit information systems. Our objective is to work in cooperation with
you to reduce your credit information costs while maintaining the high level of credit information
needed for decision-making without impacting risk or your relationship with your information
provider (s).
Our consultation process is tailored to suit the individual requirements of the client, and our fee is
earned on a contingency basis only. THE KRELLER GROUP is so confident in our ability to reduce
your expenditures that we assume all risk. Because we work on a contingency fee basis, there is no
cost to allow us to take the necessary steps to provide cost savings recommendations. On average,
clients can anticipate a 20% to 40% reduction in their consumer credit reporting expenditures after
implementation of recommendations. In fact, our clients are never obligated to pay us unless
savings are actually realized as a result of our involvement. These savings will be clearly delineated
as realized. To go one step further, our clients are never under any obligation to implement any of
our recommendations. To that affect, you, as the client, have total control over the consultation.
Realize, in engaging the services of THE KRELLER GROUP, your company:
1. Is under no obligation to utilize the recommendations presented.
2. Dictates the scope of THE KRELLER GROUP’S cost savings efforts.
3. Pays only a percentage of savings after realizing those savings.
4. Keeps 100% of all savings after the 1st year.
5. Reduces expenditures on services that, on average, increase
annually.
Why The Kreller Group
We bring to the table over 100 years of combined industry knowledge and the experience
of working with thousands of companies both domestically and internationally. We have
provided our clients over $250 million in realized savings. The Kreller Group is a
unique company in that no other company has the knowledge and experience in this
specific field.

3. The Kreller Group—Data Expense Reduction
Our Process
The following are the steps as well as a basic timeline involved in a consultation.
1. Analysis of Current Expenditures – This requires us to do analysis on your current
bills from the relevant credit information providers. This also creates a benchmark by which
we can calculate future savings.
TIME: Analysis is done on or off site, and is generally completed within a week of receiving
the data.
2. Presentation of Initial Findings – Based on our initial analysis we can provide an
anticipated percentage of savings that THE KRELLER GROUP can impact on a yearly basis.
TIME: This is done after completion of Analysis of Current Expenditures, in person or by
conference call.
3. Fact Finding Interviews – These are conducted with the contract administrators and
primary users of the services, and insure that the recommendations fit the specific needs of
the end users.
TIME: The time needed per person interviewed is typically 10 to 15 minutes maximum. The
interviews are an integral part of the consultation and begin based on your employees’
availability. They can be done on site or off site via conference call.
4. Benchmark Agreement – Prior to presentation of recommendations, THE KRELLER
GROUP and client agree upon the current per-inquiry, or per product, cost of products
utilized. This is to ensure accurate measurement of monthly savings once recommendations
are implemented.
TIME: The Benchmark Agreement is a statement of current findings and requires minimal
time to present.
5. Presentation of Recommendations – Presentation of the necessary steps toward
overall cost reduction.
TIME: Presentation typically occurs the day after the final interview and lasts approximately
1 to 1 ½ hours. The participants consist of the employees you feel can bring value in
evaluation of the recommendations.
6. Written Recommendations – Detailed steps toward achieving cost reductions
presented as a written proposal.
TIME: You will receive the Written Recommendations within two days of the Presentation
of Recommendations.

4. The Kreller Group—Data Expense Reduction
7. Implementation of Recommendations – After approval of all, or a select number,
of the recommendations by the client, the client chooses how the recommendations are
implemented (by THE KRELLER GROUP, by client or together).
TIME: Time for implementation is based on time of acceptance, and varies per
recommendation. Some recommendations can be implemented immediately, while others
may take more time.
8. Seminars/Training – When necessary, educational seminars are conducted with end
users after recommendation approval.
TIME: These, when necessary, are conducted based on employee availability.
9. Monthly Tracking Reports – Reports are prepared and delivered to those involved, in
order to measure the performance of recommendations on a monthly basis.
TIME: Tracking is done on a monthly basis. All report generation work being done by THE
KRELLER GROUP off site.
10. Invoice Generation – Tracking reports are also utilized to generate THE KRELLER
GROUP invoices by measuring the difference between the Benchmark Agreement cost and the
reduced per inquiry, or per product, cost.
TIME: THE KRELLER GROUP invoices are generated utilizing the summarized invoices from
the various credit vendors. Therefore, all Kreller Group invoices are based on savings already
realized.

5. The Kreller Group—Data Expense Reduction
Compensation
The Kreller Group is compensated only off of a portion of your realized savings. WE DON’T EARN A FEE IF
YOU DON’T SAVE. Because of our contingency based fee structure we can never negatively affect your
bottom line. The Kreller Group earns a portion of your realized savings for one year only. This means that you
start saving money before The Kreller Group sends its first invoice. Savings is based off the agreed upon
benchmark that will be determined midway through the consultation process.
What we do:
Save our clients on average 30%
Provide recommendations above and beyond what you are doing.
Only earn a portion of savings for one year.
Bring industry expertise, therefore significantly improving internal
efforts.
Work closely with procurement to insure save maximization.
What we don’t do:
Negatively impact your bottom line
Jeopardize your relationship with your current vendor
Get paid for ideas which aren’t ours
Add risk
Force solutions

6. The Kreller Group—Data Expense Reduction
SAMPLING OF CLIENTS
Royal Bank of Canada
Sallie Mae
Alcoa
Alltel
Boeing
Comerica Bank
Jones Day
Manulife
Marlin Leasing
National City Bank
OneBeacon
Sonoco Products
Thermo Fisher Scientific
Toyota Financial Services
US Bank
US Postal Service
This is just a sampling of over 5,000 satisfied customers!

7. The Kreller Group—Data Expense Reduction
VENDORS WE CAN POTENTIALLY IMPACT
DUN & BRADSTREET
EQUIFAX
EXPERIAN
TRANSUNION
CHOICEPOINT
LEXISNEXIS
CBC INNOVIS
CSC CREDIT SERVICES
CREDIT PLUS
KROLL FACTUAL DATA
FIRST AMERICAN CREDCO
ACCURINT
AXCIOM
eFUNDS
TELECHECK
INSIGHT AMERICA
REAL EDA
TALX
Please inquire about any data vendor not mentioned on this list. We’ve been
successful in helping clients achieve spend reductions with multiple vendors
associated with credit, collections and background screening.