The document is a marketing brochure for Transworld Systems Inc, a debt collection agency. It summarizes that Transworld has over 60,000 clients, has recovered over $2.4 billion in debts, and has a success rate over 4 times the industry average. It describes the services offered, including online account management, written demands, phone calls, and legal collection options if needed to recover debts.

1. ® 2010 Transworld Systems Inc. (Rev 1/10) All rights reserved. The Transworld Systems and GreenFlag logos are registered service marks of Transworld Systems Inc. NYC License No. 1303525 THE TOOLS TO HELP YOU MIND YOUR OWN BUSINESS

4. What the Experts Say ® 2010 Transworld Systems Inc. (Rev 1/10) All rights reserved. The Transworld Systems and GreenFlag logos are registered service marks of Transworld Systems Inc. NYC License No. 1303525 “ The numbers speak for themselves – recovery of over $230 million dollars with a 53% recovery rate and an ROI of almost 4,000% with a collection cost of 2.5%.” Steve Hellebush, VP of Business Development, Medical Group Management Association “ The company has a collection rate of well over 50%. The typical collection firm gets only 20% and keeps 25% to 50% of recovered funds.” Fortune Magazine “ Transworld gets credit for the highest recovery rate in the industry.” Barron’s

6. As per the US Department of Commerce you can see the longer you wait the chances of collecting your Profits - Decrease in Recoverability ® 2010 Transworld Systems Inc. (Rev 1/10) All rights reserved. The Transworld Systems and GreenFlag logos are registered service marks of Transworld Systems Inc. NYC License No. 1303525

7. GreenFlag Three Phase Approach ® 2010 Transworld Systems Inc. (Rev 1/10) All rights reserved. The Transworld Systems and GreenFlag logos are registered service marks of Transworld Systems Inc. NYC License No. 1303525 In-House Efforts Transworld Systems Conventional Collection Methods 180 Days/Write Off Contingency Based Collections Transworld Systems Collections* * Optional Service Provided Current 30 Days 60 Days Statement Statement Phone Call Statement Phone Call Limit internal efforts to less than $11 per account 90 Days 104 Days 118 Days 132 Days 146 Days We contact slow paying accounts every 10-14 days – at the client’s direction. Making up to 5 contacts – each progressively stronger. Fixed fee – averaging less than $10 per account . The client controls the process.

8. Start Early – Recover More ® 2010 Transworld Systems Inc. (Rev 1/10) All rights reserved. The Transworld Systems and GreenFlag logos are registered service marks of Transworld Systems Inc. NYC License No. 1303525 Fact: Companies wait to take action because they don’t want to pay a percentage and they don’t want to alienate their customer. Fact: GreenFlag is designed to take action early and diplomatically, recovering earlier and maintaining valuable customer relationships. According to the U.S. Department of Commerce, the older an account, the harder it is to collect .

11. ® 2010 Transworld Systems Inc. (Rev 1/10) All rights reserved. The Transworld Systems and GreenFlag logos are registered service marks of Transworld Systems Inc. NYC License No. 1303525

13. GreenFlag Messenger Service BZ Contact 1 Contact 2 Automated Call #1: Hello. This is an important message from Transworld Systems, a debt collection company. This is an attempt to collect a debt and any information obtained will be used for that purpose. We are calling in reference to a letter we sent you on <Date> regarding our client <TSI Client Name>. Please return the call to <TSI Client Name> at <Phone>. Again, that’s <TSI Client Name> at <Phone>. When calling please refer to your id code <Account>. Transworld Systems is a debt collection company and any information obtained will be used for that purpose. Thank you. Click here to hear a sample of this message.

14. GreenFlag Messenger Service Contact 3 Contact 4 Automated Call #2: Hello. This is an important message from Transworld Systems, a debt collection company. This is an attempt to collect a debt and any information obtained will be used for that purpose. We are calling in reference to a letter we sent you on <Date> regarding our client <TSI Client Name>. Please return the call to <TSI Client Name> at <Phone>. Again, that’s <TSI Client Name> at <Phone>. When calling please refer to your id code <Account>. Transworld Systems is a debt collection company and any information obtained will be used for that purpose. Thank you. Click here to hear a sample of this message.

15. GreenFlag Messenger Service Contact 5 Also Available in Spanish !

16. Thank You Letter - Optional ® 2010 Transworld Systems Inc. (Rev 1/10) All rights reserved. The Transworld Systems and GreenFlag logos are registered service marks of Transworld Systems Inc. NYC License No. 1303525

17. Monroe Design – Status Report ® 2010 Transworld Systems Inc. (Rev 1/10) All rights reserved. The Transworld Systems and GreenFlag logos are registered service marks of Transworld Systems Inc. NYC License No. 1303525