At Collective Solution (CS), we provide customized solutions to support your business needs. Paramount to a successful partnership is providing solutions that are compliant, user-friendly and price sensitive. One such solution is the ability to assist Clients needing to contact customers on their mobile phones. 2

What is ContactRight ContactRightTM is Collective Solution’s TCPA compliant and cost effective manual calling solution specifically created to efficiently contact customers on their mobile phones, verify that we have contacted the right party and transfer the customers back to our Client’s qualified representatives in a manner that is customer friendly, while also being extremely efficient and cost-effective for our Clients. ContactRight is a way of maximizing the productivity of your collectors combining scalable team of trained call center agents to initiate an outbound call and transfer a right party contact. 3

Possible uses for ContactRight are: Collections Servicing Receivable Management Reminder Calls 1st Party/Pre-Charge-Off 3rd Party Collections Skip Tracing Programs Specialty Sales and Market Research Sales Conversion Lead Qualification Outbound Surveys Customer Satisfaction Data Gathering 4

ContactRight includes: Seamless integration with CRM platforms Real-time monitoring capabilities Suite of standard reports A Dedicated team of agents Training 5

Benefits of ContactRight Increased RPC’s (Right Party Connects) Increased production and file penetration of manual cell phone campaigns Increase outbound dials by up to XX% per hour. Increase right party contacts (RPCs) by up to XX%. True scalable growth as you need it. 6

TCPA Compliant Attributes of ContactRight Attributes of system that are compliant: Not a predictive dialer No random number generator No number storage/redial Requires human interaction to initiate call 7

ContactRight Process Step by Step Call Process 8

9 Agent selects customer phone number Number is dialed and transferred with a click 9

Agent leaves call and marks disposition. 10

11 Call Flow Client Call Disposition File Call Result Server Transfer/Click Agent

Technical Features Call center agents do not have direct access to sensitive customer data No customer PII data is stored Integrated call recording Warm or cold transfer capability Scheduled callbacks Customized outbound caller ID per campaign or per list Daily reporting of call dispositions 12

Customized Reporting Clients will receive daily production and monthly summary reports for each campaign. The reports provide details on the campaign for each call that has been placed providing insight on productivity and inventory control measures.  Hourly staffing reports are  available to provide guidance on scheduling your inbound hunt group to support right party contact transfers.   13

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ContactRight Legal Support Fineman, Krekstein, & Harris: “ The ContactRight product is not an auto dialer or a predictive dialer; it does not store or produce telephone numbers to be called using a random or sequential number generator, nor does it dial such numbers.” Estrella v. LTD Fin. Services, LP, Civil No. 8:14-2624, 2014 U.S. Dist. Lexis 148249, at *10 (M.D. Fla. Nov. 2, 2015) explained a collection agent had to manually click a button before the defendant’s phone system dialed Plaintiff’s number, there was sufficient human intervention to deny the plaintiff’s TCPA claim as a matter of law. Gragg v. Orange Cab Co, Inc., the court considered whether “technology with the potential capacity to store or produce and call telephone numbers using a random number generator constitutes an ATDS.” Strauss v. CBE Group, Inc. 15-62026-CIV, 2016 WL 1273913 (S.D. Fla. Mar. 28, 2016) the court examined a telephone dialing system which required the representative to “click [] to initiate a call.” ID. At *4. The system was not capable of making automated calls, did not dial predictively, and did not use a random number or sequential number generator. Id. The Strauss court granted summary judgement in favor of the defendant, noting that “human intervention is essential at the point and time that the number is dialed.” Id. ContactRight Legal Support 15 Opinion letter available to clients upon request

Rick J Perr Rick Perr is a partner with the Philadelphia law firm of Fineman Krekstein & Harris, P.C., where he concentrates his practice in complex commercial litigation.  Mr. Perr sits on the Board of Directors for ACA International, he is the State Compliance Chair for New Jersey and also currently sits on the Board of Directors for the Mid-Atlantic Collectors Association.  Mr. Perr has been recognized among his peers as a New Jersey "Super Lawyer" from 2006 to 2011 for his expertise in business litigation.  He has also received the coveted distinction of being named a 2008 “Lawyer on the Fast Track” by The Legal Intelligencer and the Pennsylvania Law Weekly.  Mr. Perr has a B.A. (1991) in Political Science, English and History from Rutgers College and is an International and Foreign Law Honors graduate of Rutgers – Camden School of Law (1994).  He is admitted to practice in New Jersey, New York and Pennsylvania, and before the United States Supreme Court, the United States Court of Appeals for the Second and Third Circuits and the United States District Court for the District of New Jersey, for the Eastern and Southern Districts of New York and for the Eastern, Middle and Western Districts of Pennsylvania. Experience Szczurek v. Prof'l Mgmt., No. 14-4775, 2015 U.S. App. LEXIS 17245 (3d Cir. September 10, 2015) (In an FDCPA action, debt collector was entitled to judgment on the pleadings under Fed. R. Civ. P. 12(c), because court disagreed with debtor's interpretation of a sentence in a debt collection letter as misleading and declined to hold debt collector liable for failing to notify consumers of rights above and beyond what was required by the FDCPA). 16

About CS At Collective Solution, we provide customized solutions to support your business needs. As an established, full service BPO firm, CS employs a scalable workforce of 1,800+ employees worldwide. We work diligently to deliver cost effective, valuable solutions to optimize our clients’ organizations, as well as their experience in partnering with us. 17

Executive Vice-President, at Contact If you would like to learn more or have any inquiries, please email Janice Boyd, Executive Vice-President, at janice.boyd@collectivesolution.net 18