CollectiCollective ve

Results! Results!

“To Provide Superior Account Provide Superior Account Receivable Management Solutions to Receivable Management Solutions to ReduceReduce DSO, DSO, ImproveImprove Cash Flow, and Cash Flow, and IncreaseIncrease Profitability.” Profitability.”

Mission Mission StatementStatement

A Message from Our A Message from Our PresidentPresident

In today's business environment, fast and effective In today's business environment, fast and effective recovery of your receivables can be critical to the recovery of your receivables can be critical to the success of your company. In fact, cash flow can be your success of your company. In fact, cash flow can be your most valuable asset; therefore, it makes sense to entrust most valuable asset; therefore, it makes sense to entrust it with professionals. Our expertise and professionalism it with professionals. Our expertise and professionalism deliver the results you require without compromising deliver the results you require without compromising current business relationships. Speed and persistence current business relationships. Speed and persistence are the keys to our tremendous success. We stay abreast are the keys to our tremendous success. We stay abreast of delinquent companies, aggressively pursuing the of delinquent companies, aggressively pursuing the collection of your money through expert negotiation. I collection of your money through expert negotiation. I have dedicated my career to the collection of the debt have dedicated my career to the collection of the debt entrusted to Greenberg, Grant & Richards, Inc. by our entrusted to Greenberg, Grant & Richards, Inc. by our loyal Clients.loyal Clients.

Scott Swisher, President

Houston, Houston, TXTX

Tampa, Tampa, FLFL

Austin, Austin, TXTX

Corporate Corporate HeadquartersHeadquarters

Los Angeles, Los Angeles, CACA

New York, New York, NYNY

Chicago, Chicago, ILIL

We take great We take great pride in providing pride in providing superior client superior client services and have services and have a long history of a long history of exceeding client exceeding client expectations.expectations.

In business for 18 In business for 18 years, we have years, we have grown into a grown into a position of position of leadership within leadership within our industry. We our industry. We employ team employ team members in six members in six locations in the locations in the United States.United States.

AdvantagesAdvantages

• Experts- We use techniques proven successful over our 15+ years in Experts- We use techniques proven successful over our 15+ years in business, as well as current trends and techniquesbusiness, as well as current trends and techniques

• Experience- Our team of seasoned collectors have an average of 20 Experience- Our team of seasoned collectors have an average of 20 years of large balance commercial collections experienceyears of large balance commercial collections experience

• Certifications- We are certified, licensed and bonded by the Certifications- We are certified, licensed and bonded by the Commercial Law League of America as well as SAS 70 CertifiedCommercial Law League of America as well as SAS 70 Certified

• Fortune 1000 Clients- Many currently entrust us with their Fortune 1000 Clients- Many currently entrust us with their collections, and have done so for almost two decadescollections, and have done so for almost two decades

• Technology Professionals- Our highly trained team members have the Technology Professionals- Our highly trained team members have the most up to date technology at their fingertips to ensure efficient most up to date technology at their fingertips to ensure efficient management of your portfoliomanagement of your portfolio

Professional Professional CertificationsCertifications

& Memberships& Memberships

We maintain the highest recovery ratios in the industry. This is due to our We maintain the highest recovery ratios in the industry. This is due to our collection team working in concert with a network of more than 12,000 collection team working in concert with a network of more than 12,000 credit-trained private investigators. These private investigators provide credit-trained private investigators. These private investigators provide professional face-to-face contact with debtor companies and greatly professional face-to-face contact with debtor companies and greatly enhance overall asset and liability investigation results. Local investigators enhance overall asset and liability investigation results. Local investigators are typically engaged within 24 hours of an account placement.are typically engaged within 24 hours of an account placement.

Recovery RateRecovery Rate

$$ $ $ $ $ $$ $ $ $$

60 90 120 180 240 300 360 days60 90 120 180 240 300 360 days

Probability to RecoverProbability to Recover

HighHigh

LoLoww

GGR GGR RecoveryRecoveryIndustry AverageIndustry Average

Dept of Commerce Est.Dept of Commerce Est.

From Placement to From Placement to CollectionCollection

• Our accelerated collection procedure begins with the placement and Our accelerated collection procedure begins with the placement and distribution of your files. Our team of collectors are assigned new accounts distribution of your files. Our team of collectors are assigned new accounts based on their industry experience, expertise, and tenure within the company. based on their industry experience, expertise, and tenure within the company.

• Entry level collection team members, required to have a minimum of three Entry level collection team members, required to have a minimum of three years experience in the industry, handle the small balance accounts. Our large years experience in the industry, handle the small balance accounts. Our large balance team members all have over 20 years experience in the collection balance team members all have over 20 years experience in the collection industry. Upward mobility is available to team members upon proven industry. Upward mobility is available to team members upon proven performance.performance.

• Upon assignment to the appropriate collector, a flow chart of procedures is Upon assignment to the appropriate collector, a flow chart of procedures is immediately followed until the account is collected, recommended for litigation immediately followed until the account is collected, recommended for litigation or recommended for write off to the Client. Our nationwide network of CLLA or recommended for write off to the Client. Our nationwide network of CLLA attorneys allow for easy access for the litigation process.attorneys allow for easy access for the litigation process.

• Greenberg, Grant & Richards, Inc. team members have extensive experience Greenberg, Grant & Richards, Inc. team members have extensive experience working closely with clients and are effective in preserving existing customer working closely with clients and are effective in preserving existing customer relations between our clients and their customers. relations between our clients and their customers.

Technology Technology LeverageLeverage

• Powerful technology base with modern IP based Powerful technology base with modern IP based communication owned and operated in house;communication owned and operated in house;

• EDI, Web-services to interact and communicate EDI, Web-services to interact and communicate with client systems;with client systems;

• Secure internet enabled (SSL, Digital Certificates, Secure internet enabled (SSL, Digital Certificates, Secure FTP)Secure FTP)

Hardware Hardware PlatformPlatform

• Modern communication system Modern communication system and Data Centerand Data Center

• Multiple T1 backboneMultiple T1 backbone

• Dell Power Edge serversDell Power Edge servers

• Secured firewall and DMZ for Secured firewall and DMZ for Web serverWeb server

• In-house Website hosting and In-house Website hosting and MailMail

• 100% UPS backed with fail-safe 100% UPS backed with fail-safe redundant sources.redundant sources.

Software Software PlatformPlatform

• Fully Integrated CRM System to Ensure Expedited Service to Fully Integrated CRM System to Ensure Expedited Service to Client;Client;

• Integrated Client Trust, Collection and Legal Management Integrated Client Trust, Collection and Legal Management Systems;Systems;

• Real-time Statistics for Client and Management Team;Real-time Statistics for Client and Management Team;

• Auto Tracking of Placement Throughout its Lifetime;Auto Tracking of Placement Throughout its Lifetime;

• Telephone Exchange Integration;Telephone Exchange Integration;

• Secured Access at All Levels.Secured Access at All Levels.

• Our comprehensive disaster recovery plan begins at the desktop of each team member.

• Multiple levels of firewalls, as well as antivirus systems, are incorporated company-wide to ensure data is secured and functioning at the highest levels at all times.

• With natural and man-made disasters occurring often, our policies and procedures go into effect immediately and have priority systems transferred to our satellite offices.

• In the worse case scenario, we can have our systems transferred to a co-location facility.

Disaster RecoveryDisaster Recovery

• Our Disaster Recovery Plan occurs within the first few hours; thus allowing for uninterrupted service for you, our Client.

• Backup of all data is performed in a multitude of ways, to a variety of media outlets, insuring the integrity of Client and Greenberg, Grant & Richards Inc data.

• All systems are frequently tested to ensure functionality and compliance. Those systems not meeting our high standards are reviewed for possible replacement.

Disaster RecoveryDisaster Recovery

• Your data on our system, is secure and set for immediate failover;

• Multiple servers set in a Microsoft clustering environment allow for continual uptime;

• Real-time failover ensures no data loss and continued productivity;

• Our highly trained and certified Information Technology staff, along with a significant investment in equipment and infrastructure, has allowed for a greater than 99.6% continual network uptime in the past 6 years;

• With redundant data and voice lines, and our multiple office locations, we are not affected by services outside of our control;

• This allows for uninterrupted attention to your files.

Disaster RecoveryDisaster Recovery

Client AccessClient Access

• Real-time access to our database allows Client access 24/7 Real-time access to our database allows Client access 24/7 viavia web, email or web, email or mail;mail;

• Collector notes are available for review online to evaluate progress;Collector notes are available for review online to evaluate progress;

• Client and individual debtor statements are available to download for analysis Client and individual debtor statements are available to download for analysis in MS Excel spreadsheets allowing for easy manipulation by Client. This also in MS Excel spreadsheets allowing for easy manipulation by Client. This also allows for the ability to break down the debt by operating unit, cost or profit allows for the ability to break down the debt by operating unit, cost or profit center;center;

• Project cash flow using historic debtor payment patterns, debtor post dates and Project cash flow using historic debtor payment patterns, debtor post dates and debtor promises;debtor promises;

• Download in MS Excel spreadsheet for ease of useDownload in MS Excel spreadsheet for ease of use

Each debtor file can Each debtor file can hold thousands of hold thousands of individual accounts individual accounts under the same file, under the same file, meaning that Client meaning that Client can track a multitude can track a multitude of transactions under of transactions under one debtor. Real-time one debtor. Real-time access to track the access to track the moves of each debtor moves of each debtor enables the Client to enables the Client to stay on top of each stay on top of each debtor and each debtor and each individual account. individual account.

Multiple Accounts Handled with EaseMultiple Accounts Handled with Ease

Online Client Online Client PlacementsPlacements

Client can place single Client can place single accounts through their accounts through their web access login.web access login.

Information needed:Information needed:

- Account (transaction - Account (transaction number)number)

- Client Customer Name- Client Customer Name

- Customer Address- Customer Address

- Customer City- Customer City

- Customer State- Customer State

- Customer Zip Code- Customer Zip Code

- Customer Phone - Customer Phone NumberNumber

- Date of Last Invoice- Date of Last Invoice

- Balance Owed- Balance Owed

Bulk Account PlacementBulk Account Placement

Large placements can Large placements can be sent by Client on be sent by Client on Excel spreadsheets. Excel spreadsheets. This ensures that a This ensures that a large volume of large volume of debtors with multiple debtors with multiple accounts each take accounts each take minimal time to input minimal time to input and allows for the and allows for the expedited collection of expedited collection of money through a more money through a more efficient process.efficient process.

Contact Contact InformatioInformationn

Who is Who is responsible responsible for the for the debt?debt?

Additional InfoAdditional InfoAny additional Any additional responsible parties, responsible parties, contact contact information, etc. information, etc.

NotesNotes

Collector notes are found Collector notes are found here as is any additional here as is any additional information found.information found.

Account Account

Client Client transaction transaction numbers numbers are are inserted for inserted for easy easy reference.reference.

Client Placement SummaryClient Placement Summary

Informs Client of the current individual statuses of the placed accounts. This report can be exported into an Excel spreadsheet for further analysis.

Client Statement Client Statement

Allows for easy Allows for easy printing or printing or export to an export to an Excel Excel spreadsheet or spreadsheet or import into import into their A/R their A/R system.system.

Client

Batch Track Collections ReportBatch Track Collections Report

This report This report allows for Client allows for Client to track the to track the collection collection activity as a activity as a whole on all whole on all accounts placed. accounts placed. The report The report begins with the begins with the initial month of initial month of placement and placement and allows for a full allows for a full year of year of collections collections tracking. tracking.

Client StatisticsClient Statistics

Client can review placement statistics at placement statistics at anytime. This anytime. This includes yield, AWP, amount collected, debt generation patterns and more.

Client

ReferencesReferences

Bond CoverageBond Coverage

Errors and OmissionsErrors and Omissions

Greenberg, Grant & Richards Inc. has Greenberg, Grant & Richards Inc. has made significant investments in our made significant investments in our communications, IT Systems and communications, IT Systems and proprietary software that is flexible proprietary software that is flexible enough to efficiently handle all enough to efficiently handle all placement, collection and reporting placement, collection and reporting requirements for your company. Our good requirements for your company. Our good reputation coupled with our outstanding reputation coupled with our outstanding collection team will help to drive superior collection team will help to drive superior collection results and reflect the high collection results and reflect the high standards of your companystandards of your company . . 

Thank You!Thank You!We sincerely We sincerely appreciate the appreciate the consideration you have consideration you have given to the services given to the services offered by Greenberg, offered by Greenberg, Grant & Richards, Inc. Grant & Richards, Inc.