1. Trends in Debt Buying

2. Panelists Mike Ginsberg Greg Shelton Lou DiPalma
President and CEO of Kaulkin Ginsberg
Greg Shelton
Director of Emerging Markets with LexisNexis Risk Solution
Lou DiPalma
Managing Partner of Garnet Capital Advisors

3. Access Conference Information
Conference text messaging sponsored by:

4. Access this presentation
Conference text messaging sponsored by:

5. Disclaimer
The presenters provide this information and their comments solely for general informational purposes. You should not rely on the content of this material for any other purpose or as specific guidance for your company. You are ultimately responsible for your own company’s actions and compliance efforts and should consult with your own legal and business advisors to obtain specific advice on your company’s compliance, legal and other business needs. Despite the presenters efforts to provide current and up-to-date information, you need to recognize that the information contained herein may become outdated quickly and may contain errors and/or other inaccuracies.
Any liability for typographical or other errors contained in the presentation, this information or changes in the law affecting anything discussed herein is hereby disclaimed.

6. Today’s Discussion Topics
Market Opportunities
Financing Alternatives
Pricing Trends
Impact of New Administration on Debt Buying
Outlook & Predictions

7. Market Opportunities Financial Services
Mortgage, HELOC, Auto, CC, Other Consumer Loans, Commercial
Credit Unions
Similar to financial services
Nonbank Consumer Finance
Marketplace and Peer-to-Peer Loans
Student Loans
Private & public bad debt levels
Healthcare
Hospital bad debt levels
Municipalities
Fines, Tickets, Taxes

8. Financial Services
Auto loan charge-offs were extracted from Other Consumer Loans beginning in 2011, explaining Other Consumer Loans’ significant decline after 2010.

9. Credit Unions
Auto and all other loan types were not tracked prior to 2013.

10. Student Loans
*Bad debt is debt at least 90 days delinquent, generally the level that creditors become skeptic of recovering debts.

11. Health Care
Source: American Hospital Association

12. Financing Alternatives
Partner Finance
Hedge Fund Finance
Bank Finance

13. Historical Credit Card Charge-Off Pricing
A = Jan-June (or 1st half)
B = June-December (or 2nd half)
Source: Garnet Capital market review

14. Impact of the New Administration on Debt Buying
Steven
Mnuchin
Wilbur
Ross
Carl
Icahn
Linda
McMahon
Peter Navarro
Rex W.
Tillerson
Andrew W.
Puzder
Ben
Carson

15. Outlook & Predictions

16. Q&A Mike Ginsberg Greg Shelton Lou DiPalma
President and CEO of Kaulkin Ginsberg
Greg Shelton
Director of Emerging Markets with LexisNexis Risk Solution
Lou DiPalma
Managing Partner of Garnet Capital Advisors

17. Access this presentation
Conference text messaging sponsored by: