1 Winning Strategies For Debt Recovery

2 Agenda Introductions Needs and Solutions About ConServe ConServe Capabilities Questions and Answers Next Steps

3 At ConServe, we deliver results, it’s that simple. We deliver customized solutions developed based on your needs and deployed to exceed your expectations. Comprehensive Collections Programs for: Higher Education Government Commercial Markets

4 Needs-to-Solution

5 Short Term Need: Recover on Delinquent Debt Long Term Need: Reduce the Volume of Future Delinquent Accounts Note: A full needs assessment will be completed through ConServe’s MIS process upon award.

6 Short Term Solution : #1 performing GSA Certified collection agency for the U.S. Federal Government Collected over $530 Million dollars for the U.S. Department of Education Collected over $450 Million dollars for Higher Education Clients Ranked #1 by 4 out of 5 Clients "I have never, in my almost 23 years in this industry, been as impressed with a collection agency as I am with ConServe. From the top to the bottom, the people and commitment to me as a customer has been above and beyond my highest expectations” - VP, South Carolina Guaranty Services

7 Long Term Solution: Training and Default Prevention Specialists ConServe University® Collection tips, techniques & strategies for first party collection efforts ACA certified instructors Develop and implement default prevention solutions “ConServe University is a great service offered by ConServe. It was entertaining, full of incredible information and was facilitated by a terrific team of trainers. We learned so much incredibly valuable information that we immediately derived value from. Thank you ConServe!!” - Palm Beach State College

8 About ConServe

9 Over 25 Years: Continental Service Group, Inc., d/b/a ConServe is a national firm established in 1985, certified and authorized to perform debt collection services in all 50 states.

10 Top Performer: ConServe was ranked the #1 performing collection agency on the Federal Government’s collection contract, collecting over $530 Million dollars.

11 Industry Certified: Less than 1% of all collection agencies have achieved and maintained the ACA International Professional Practices Management System(PPMS) Certification.

12 Top Performer: 4 out of 5 of our existing Clients rank ConServe as their #1 collection agency based on our annual Client report card.

13 Ethics Award Winner: ConServe has been recognized for its commitment to ethical business practices demonstrated in its everyday operations, management philosophies and overall performance results.

14 Best Places to Work: insideARM recognizes ConServe as the Best Places to Work in Collections.

15 Fastest Growing: Inc. magazine ranked ConServe as NO on its annual Inc. 5000, fastest-growing private companies.

16 GRQC recognizes and honors ConServe as the gold winner in the category of Customer Excellence.

17 Established by the Auditing Standards Board of the American Institute of Certified Public Accountants (AICPA), SSAE 16 effectively replaces SAS 70 as the authoritative guidance for reporting on service organizations.

18 Fastest Growing: ConServe was selected as one of Top 100 Fastest Growing Companies in Rochester, New York. ConServe has earned this award in 10 of the last 11 years.

19 ConServe Careers: ConServe is an Equal Opportunity Employer and a Drug Free Workplace.

20 ConServe Capabilities

21 ConServe’s success in recovering on delinquent debt pivots around our philosophy to develop win-win scenarios for both our Clients and the debtors. Our debt counselors are real time problem solvers, dedicated to helping debtors find solutions that preserve a sense of control and individual self-esteem. By combining this personalized, human-centered approach with diligent and methodical follow-up systems, we have been able to consistently achieve the highest recovery rates. Client Debtor ConServe “ConServe is the best and most efficient agency that we work with” – Director of Collections

22 Our Performance Dashboard… Because at ConServe it’s about Results. Achieving the highest Return on Investment (ROI) for our Clients is more dependent upon the recovery rate, than the rates we charge. The ConServe advantage is clear, it lies within our Performance Dashboard Report. The report is customized to outline and track our performance as well as benchmark recoveries against your expectations %

23 We proactively monitor our relationships to ensure we establish and maintain exceptional Client relationships. We Provide our Clients with: Supreme Client Care Good Start Program® Quarterly Performance Reviews Annual Client Report Cards 24/7 Client Web Portal “The constant customer interaction, in addition to good performance, rank ConServe as our best agency.” – Carnegie Mellon

24 ConServe University ® offers our Clients one of the most comprehensive training workshops available. ConServe University ® Highlights: Highly interactive training program Covers collection strategies, skip tracing tools, telephone and etiquette Provides attendees with a collaborative forum to share success stories and best practices Led by certified ACA and PPMS instructors Customizable to meet the specific needs of our Client Free of charge “We have gained vital feedback from ConServe that has enabled us to improve our internal collection process and significantly reduce receivables.” – State of Florida Contract

25 ConServe offers one of the most comprehensive training programs in the industry. Highlights Include: ACA International and PPMS certified instructors New-hire training & “Nesting” infrastructure Comprehensive & continuous training Over 27,500 logged training hours in 2011 ConServe employees obtain Professional Collection Specialist Designation (PCS) from ACA

26 OUR MISSION ConServe is dedicated to satisfying the needs of our Clients in a manner consistent with improving the human condition, and that will foster the development of long term profitable business relationships with our Clients, our Employees, our Vendors and the community as a whole.

27 OUR VALUES Client Satisfaction is our top priority. We work as a team – together we can achieve anything. We communicate effectively. We always meet our commitments. We recruit, develop and promote the very best people. We plan our work, work our plan, asses the results, and then improve. We conduct ourselves with professionalism and respect, always. All of our work demonstrates character, integrity and respect.

28 ConServe is the #1 Ranked Collection Agency with the Numbers to Prove it. The ConServe Advantage® Collection Specialists ACA PPMS Certified Ethics Award Winner #1 Performer by the Federal Government #1 Performer for 4 out of 5 Clients Best Places to Work in Collections The ConServe Good Start® No Commitment No Risk Contract Easy Account Set-Up Inverview (MIS) Plug & Play Placement Process Real-Time 24/7 Web Portal Access Secured Attendance at ConServe University

29 OUR NEXT STEPS 1. Award Contract to ConServe 2. Execute the Service Agreement 3. Assign the Project & Program Planning Team for Good Start Program 4. Establish Date of First Placement 5. Development of Implementation Schedule 6. Execution/Deployment of Program 7. Quarterly and Annual Performance Reviews

30 Questions & Answers