1. The Brown And Joseph Companies Insurance Services Overview Innovative Credit to Cash Solutions Dedicated to excellence through performance.

3. Cash Application, Collection/ Dispute and Trade Management Software Credit Reports, and A/R Portfolio Scoring Pre-collections A/R Purchasing Revenue Recovery & Outsource Solutions In House Law Offices and Litigation Bankruptcy and Escheatment Consulting The Credit to Cash Solution The Brown & Joseph Companies

4. The Brown and Joseph Companies ► Headquartered in Rolling Meadows, Illinois ► Our clients (regional, national, and global) are comprised of some of the brightest and most progressive companies ► We understand that every customer relationship is important, including those who have not honored their obligation to you ► Every single customer is treated fairly and with respect ► We desire long term, mutually beneficial relationships with our clients ► We accomplish what we say we will, within the timeframes that are dictated.

14. Customized Outsourcing Alternatives, Inc. (COA) Partial or Complete Outsourcing ► We serve as a partial or complete extension of your premium recovery function ► Each outsource program is customized by our client’s unique needs and requirements ► Performance-driven bonuses, penalties and guarantees will be mutually developed for each outsource program Issue Resolution Outsourcing ► Short-term outsource engagements to resolve issues and internal resource challenges

17. Conclusion Thank you for taking time to review and consider our service offering. We have proven our worth and service many times within this industry and with companies you are familiar with. We would like to provide the same value to your company Best regards, Dennis Falletti 847-758-3000 x 206

18. Dennis Falletti Brown and Joseph, Ltd. 1701 Golf Rd Tower 2 Suite 100 Rolling Meadows, IL 60008 847-758-3000 x 206 Websites: Brown and Joseph: www.brownandjoseph.com 9CI Software Solutions: www.9ci.com