1. © 2009 ACA International. All Rights Reserved. Your Association at Work Education Services Compliance Advocacy Services

2. © 2009 ACA International. All Rights Reserved. ACA International Committed to you and your business… Established in 1939 Headquartered in Minneapolis, MN ―Leading source of compliance and training resources for the industry ―Voice of the accounts receivable management industry before state and federal lawmakers ―Premiere advocate for credit and collections industry in Washington D.C. ―Your first source of business products and risk management services

3. © 2009 ACA International. All Rights Reserved. ACA International Organizational Structure

4. © 2009 ACA International. All Rights Reserved. ACA International Organizational Structure – Member Driven Members – 5186 total* 3363 third-party collection agency companies 75 asset buyers (non-agency) 808 member-sponsored attorneys 748 individual credit grantor members 192 affiliate member companies *As of March 31, 2009. Board of Directors - 78 Members Sets the vision for ACA Approves operating budget and SOPs Nominates candidates for elected office

5. © 2009 ACA International. All Rights Reserved. ACA International Organizational Structure – Elected Officers Executive Committee - Acts on behalf of the Board of Directors - Carries out the vision set by the Board - Sets association policy - Serves 14 association operating committees Karolyn Rubin President Martin Sher President-Elect Mark Neeb Vice President Thomas Stockton Treasurer Rozanne Andersen CEO Jay Gonsalves Past President

6. © 2009 ACA International. All Rights Reserved. Name of unit Your Unit Leaders at Work Your Unit Members – __* Your Unit Leadership ―President - ____ ―President-Elect - ____ ―Vice President _____ ―Secretary ______ ―Treasurer _______ ―National Director(s) _________ *As of March 31, 2009.

7. © 2009 ACA International. All Rights Reserved. ACA International Taking Action – Debt Collector Registry and Dispute Resolution Program ACA Board of Directors approved ACA moving forward with the creation of a self-sustaining Debt Collector Registry and National Debt Collection Dispute Resolution Program Executive Committee is required to report implementation progress quarterly to Board of Directors Executive Committee will present recommended policies and procedures, organizational structure, budget, rules and regulations to the Board for discussion and review

8. © 2009 ACA International. All Rights Reserved. ACA International Taking Action – Debt Collector Registry and Dispute Resolution Program Debt Collector Registry –Requires all individuals and companies defined as a debt collector under FDCPA or state la to register as a debt collector –Pay annual fee that is yet to be determined –Individual would be required to take and pass exam evidencing his/her knowledge of the laws regulating collection industry

9. © 2009 ACA International. All Rights Reserved. ACA International Taking Action – Debt Collector Registry and Dispute Resolution Program National Debt Collection Dispute Resolution Program –Funded by the fees paid to the Debt Collector Registry –Responsible for resolving complaints filed by consumers against collection agencies and individual debt collectors –Intent is for FTC, state AGs, and state regulators to forward complaints they receive –Program would provide mediation and arbitration services

10. © 2009 ACA International. All Rights Reserved. ACA International Education – Campus ACA & Events Because knowledge empowers your professional and personal growth www.acainternational.org/campusaca

11. © 2009 ACA International. All Rights Reserved. ACA International Campus ACA – Vision and Mission Vision To establish Campus ACA as the world’s leading educational resource for credit and collection professionals. Mission Campus ACA is the premier provider of accurate and current professional development programs, resources and professional recognition for the credit and collection industry. Campus ACA’s Strategic Plan Fiscal Years 2008/09 through 2010/2011

12. © 2009 ACA International. All Rights Reserved. ACA International Campus ACA – Training formats Take advantage of multiple training formats: Online Training - Training on industry topics including skiptracing, bankruptcy, the Fair Debt Collection Practices Act (FDCPA), the Fair Credit Reporting Act (FCRA), Professional Telephone Collectors’ Techniques, and more. Teleseminars – Learn about industry hot topics and changes to case law. Face-to-face seminars Computer-based training CD-ROMs Conferences such as ACA's Annual Convention & Expo. Professional Development - Develop your career in the industry by working toward a Campus ACA Certificate, Diploma or Degree.

13. © 2009 ACA International. All Rights Reserved. ACA International Campus ACA – In-house seminars & workshops Seminars and Workshops –Credit and Collection Compliance Officer (CCCO) Workshop –Professional Practices Management Systems (PPMS) –Top Managers Forum –Ethical & Professional Collections –Fair Credit Reporting Act (FCRA) –FDCPA: Hot Topics! –Data Security & Privacy –Introduction to Quality Assurance –Retaining Quality Employees Ask how these seminars can be brought to you for your spring and/or fall Unit meetings!

14. © 2009 ACA International. All Rights Reserved. ACA International Campus ACA – Annual Convention & Expo Other ACA conferences: –Fall Forum (November – Chicago) –Spring Forum & Expo (March/April – Scottsdale, Ariz.) –Leadership Symposium (January – Beaver Creek, Colo.

15. © 2009 ACA International. All Rights Reserved. ACA International Campus ACA – Professional Development Credentialing Programs ―Professional Collection Specialist (PCS) ―Credit and Collection Compliance Officer (CCCO) ―Trainer Specialist Program (TSP) ―Health Care Collection for Management ―Scholar and Fellow ―Certification (Individual) ― ACA Certified Instructor ―Certification (Agency) ―Professional Practices Management System

16. © 2009 ACA International. All Rights Reserved. ACA International Campus ACA – Professional Development Units (PDUs) Earn Professional Development Units (PDUs) Earn 3.0 PDUs by attending full-day seminars Earn 1.5 PDUs by attending half-day seminars Campus ACA awards Scholar and Fellow Degrees to individuals who earn a certain number of PDUs over a six-year time period. Scholar Degrees are awarded to individuals who earn 18 PDUs in a consecutive six-year period and Fellow Degrees are awarded to individuals who earn 18 additional PDUs after achieving a Scholar Degree (total of 36 PDUs). For more information about how to earn PDUs, contact Campus ACA at +1 (952) 926-6547 or campusaca@acainternational.org.

17. © 2009 ACA International. All Rights Reserved. ACA International Campus ACA – Exhibits and Sponsorships Online and teleseminar sponsorships – Sponsorship opportunities are available for companies that want their name and logo to appear on Campus ACA promotional e-mails for Online seminars and Teleseminars. Conference exhibits and sponsorships – Exhibit and sponsorship opportunities are available for industry suppliers and vendors at ACA’s annual events including the Annual Convention & Expo, Fall Forum and Spring Forum & Expo. For more information about exhibiting and sponsoring, contact ACA’s Expo Manager at +1(952) 928-8000, ext. 119.

18. © 2009 ACA International. All Rights Reserved. ACA International Campus ACA – Computer-based Training –FDCPA: A Framework for Compliance - computer-based training CD-ROM – Completing both the FDCPA and PTCT training makes you eligible to apply for the Professional Collection Specialist (PCS) designation. –FCRA computer-based training CD-ROM –Professional Telephone Collectors’ Techniques (PTCT) computer-based training CD-ROM

19. © 2009 ACA International. All Rights Reserved. ACA International Campus ACA – Industry Experts Needed! Are you interested in becoming a Subject Matter Expert or Content Development Expert? Join your colleagues along with Campus ACA to develop and deliver just-in-time, industry-specific education, using a collective body of knowledge, insight and experience. Help develop your trade association by contacting campusaca@acainternational.org today! Content driven by the members for the members!

20. © 2009 ACA International. All Rights Reserved.