1. Karl Hillard, California Association of Collectors Vickie Kirk, California Association of Collectors Andrew Madden, ACA International Mark Schiffman, ACA International Creating the California ARM Grassroots Network January 17, 2013

2. Today’s Discussion I. Welcome Karl Hillard / Vickie Kirk II. California Perspective Senator Jean Fuller III. California Grassroots Andy Madden / Mark Schiffman IV. Next Steps Karl Hillard V. Q&A 2 © 2013 ACA International. All Rights Reserved. ACA and State Units Working Together

3. Welcome 3 © 2013 ACA International. All Rights Reserved. Identify ■ Educate ■ Advocate California ARM Grassroots Network California ARM Grassroots Network

4. California Perspective California Perspective Senator Jean Fuller (R) 4 © 2013 ACA International. All Rights Reserved. 18 th District: 18 th District: 850,000 residents of Bakersfield, Barstow, Big Bear City, Bishop, California City, Exeter, Frazier Mountain, Lone Pine, Mojave, Needles, Porterville, Ridgecrest, Rosamond, Taft, Tehachapi, Twentynine Palms, Tulare, Visalia and other areas in the Kern River Valley and in Inyo and San Bernardino counties. 2010-Current Senate District 18 2006-2010 Assembly District 32 Former educator and school superintendent Committee Assignments Include: Energy, Utilities and Communications Budget and Fiscal Review Governance and Finance Natural Resources and Water Higher Education Rules

5. What we are Trying to Build 5 © 2013 ACA International. All Rights Reserved. California Grassroots Network Statewide Network of ARM Advocates  All ACA members in California Educated on Relevant State Issues  Legislative, Regulatory, Enforcement Willing to Contact Lawmakers and Media  Meet, call, email as an ARM advocate

6. Why its Important 6 © 2013 ACA International. All Rights Reserved. Collective Influence  Leverage breadth of ARM expertise  Statewide touch Heavy Scrutiny  Lawmakers, regulators, AGs, media  State and federal Political Environment  State Trends  Election turnover Have More Impact

7. State Legislative Trends Other State Trends Trust ExemptionsLegal FeesRecoverable Amounts Bankruptcy Third Party ContactFaxing & Texting Credit Reporting Outsourcing Garnishment Debt Verification/Document 7 © 2013 ACA International. All Rights Reserved. Driving Forces Compliance, Media, Opposition, Politics States # of Bills 2012 Bill Focus 510 Caller ID 66 Do-Not Call 44 Limit / Prohibit Autodialers 1128 Identity Theft 1018 Data Security / Breach

8. "It does not take a majority to prevail, but rather an irate, tireless minority, keen on setting brushfires of freedom in the minds of men" Over the Next Few Months 8 © 2013 ACA International. All Rights Reserved. “The Will to Win is not Nearly Important as the Will to Prepare to Win” Vince Lombardi Build the Foundation Samuel Adams

9. 9 © 2013 ACA International. All Rights Reserved. Over the Next Few Months Meet with Lawmakers & Candidates  Participate in CAC “Sacramento Day“ March 18-19  Educate on the industry; ask for their support  Consider volunteering  Offer to be a future resource Meet with Local Media  Educate on the industry  Share www.askdoctordebt.org www.askdoctordebt.org  Offer to be a future resource CAC/ACA to Provide Support and Materials  Scheduling and Prep  Materials (Blueprint, EY Survey, talk points) Active Engagement

10. 10 © 2013 ACA International. All Rights Reserved. Then What? Maintain Communication Stay Up to Date on Relevant Issues Participate in “Calls to Action” Participate in “Calls to Action” Engage Employees as Advocates Engage Employees as Advocates Participate in Sacramento Day Participate in Sacramento Day Sustainability

11. Measurement 11 © 2013 ACA International. All Rights Reserved. Benchmarking Success Participation Education / outreach Participant participation  Meetings with lawmakers in district  Meetings/ outreach to local media  “Calls to Action” on hot issues (email, phone, meet)  Turnout for “Day at the Capitol” Ability to influence outcome of hot issues Sustainability – built for the future, not just today

12. Next Steps - We Need Your Help Collective Voice is Important Agree to Participate Recruit Others Share Information Provided Involve Employees Unsubscribe if You No Longer Want to Participate 12

13. Thank You! 13 © 2013 ACA International. All Rights Reserved. Karl Hillard California Association of Collectors (209) 858-2299. Ext 222 (209) 858-2299. Ext 222 karl_hillard@teamhealth.com Vickie Kirk California Association of Collectors (916) 929-2125 vickie@calcollectors.net Andrew Madden ACA International (202) 547-2670 madden@acainternational.org Mark Schiffman ACA International (952) 259-2124 schiffman@acainternational.org www.calcollectors.net