TSI demands are more effective than internal letters or traditional collection agencies for three reasons: 1. TSI addresses demands to the debtor's closest contact office based on zip code, making it feel more local and urgent than a letter from out of state. 2. TSI envelopes do not include the company name, making the demands seem more anonymous and thus more likely to be opened. 3. TSI demands change size every 10 days, keeping debtors guessing, while internal letters typically remain the same size and are sent less frequently. On average, TSI demands result in payment from 95% of accounts, higher than telephonic attempts.

1. Why Do GreenFlag Early Out Demands Work vs. Internal Letters or Traditional Agencies? TSI address is from closest contact office to debtor, which is zip code activated. Local or Regional contact vs. a call from another state! If a debtor moves and has placed a forwarding order with the Postmaster, our system catches that forwarding address and our office address changes to closest of 120 offices to the debtor on demand 2. LOCAL IMPACT TSI has no company name only PO Box on envelope which makes it hard to recognize. Get’s opened! Most company statements or letters have company name on them. TSI demands change size every 10 days so it’s a moving target. Most internal statements or letters go out every 30 days in same envelope. TSI demands get through to 95% or more off all accounts on average vs. telephonic internal or external attempts. Study’s show that 70%+ of all calls are screened with caller id, call block, or answering machines. TSI return payment envelope & tear off voucher 1st, 3 rd , & 5 th demands. The only thing we don’t do is lick the stamp for them! It’s like a utility bill that makes it a priority over a statement from a client. FDCPA Disclaimer on the bottom of the 1 st demand for payment. All agencies in the US have to send a letter out first but they don’t have to tell you so they get the contracted % for mailing a letter! We leverage the law on our 4 th demand for payment validating the debt 3 rd party impact! It has teeth and all 5 demands say, “ THIS HAS BEEN SENT TO YOU BY A COLLECTION AGENCY”