1. Commercial Finance Group A/R Program for The Banker Do you need to collect a clients A/R ? Does your (otherwise) good client need Credit Management and A/R collection help? What do you do with a problem loan ? What do you do with a problem loan ? Do a work out ? Wait it out ? Liquidate the collateral?

2. You can suggest a service to your borrower that is faster, cheaper, and vastly superior to their present credit granting and A/R collection method (which would please you) and be sincerely valuable and appreciated by your client; …that can be implemented within minutes and be effective within hours after start-up, with almost no time money or effort expended by their staff; …while it secures control of your clients A/R for you; …and still preserve the banks rights to take further action on the loan at a later date.

3. The Advantages of CFs Service Good For the Client Repay bank loan faster Improve cash flow Reduce overhead cost Reduce credit losses Control A/R & credit tasks Provide cash for growth Restore positive attitude CF is potential new lender Good For the Bank Restore performing status Reduce loss exposure Preserve collateral 3 RD party A/R verification 3 RD party A/R verification Establish control over A/R Preserve the banks choices of future collection actions

4. CF Improves Quality of Client A/R Our on-line system provides full A/R visibility to you 24/7/365 from any PC. Our on-line system provides full A/R visibility to you 24/7/365 from any PC. The data is in real time. The data is in real time. We provide Credit Management guidelines. We provide Credit Management guidelines. We check the credit of the clients large debtors. We check the credit of the clients large debtors. We identify risky debtors for C.O.D. terms. We identify risky debtors for C.O.D. terms. We recommend appropriate O/S collection action. We recommend appropriate O/S collection action. Our collection calls serve as 3 rd party review. Our collection calls serve as 3 rd party review.

5. CF Reduces Clients Expenses Reduce payroll, taxes, fringe benefit, & facility cost by spending less on the office function. Reduce payroll, taxes, fringe benefit, & facility cost by spending less on the office function. Reduce credit checking & report costs. Reduce credit checking & report costs. Reduce bad debts with good credit advice. Reduce bad debts with good credit advice. Reduce interest on bank loan. Reduce interest on bank loan.

6. CF helps: Reduce credit runaways. Reduce credit runaways. Eliminate the need to give prompt pay discounts on A/R. Eliminate the need to give prompt pay discounts on A/R. Increase sales with better credit screening. Increase sales with better credit screening. Reduce Managements time spent on credit & collection issues. Reduce Managements time spent on credit & collection issues.

7. CF Does the A/R Service Tasks Make collection calls to debtors. Make collection calls to debtors. Provide invoice copies as needed. Provide invoice copies as needed. Post cash payments received. Post cash payments received. Make bank deposits to any lock-box. Make bank deposits to any lock-box. Do statements & send payment reminders to past due debtors. Do statements & send payment reminders to past due debtors. Direct 3 rd party collection activities. Direct 3 rd party collection activities.

8. CFs menu driven program makes you an instant expert.

9. CF program does special reports Need a dilution report? Need a dilution report? Need to track key figures or percentages? Need to track key figures or percentages? How about an aged customer statement? How about an aged customer statement? Need special information for an internal report? Need special information for an internal report? No Problem !!

10. Dilution Report (Sample)

11. CF keeps a collection notes log Logs all contacts with clients debtors. Logs all contacts with clients debtors. Provides legal proof of collection efforts. Provides legal proof of collection efforts. Confirms Debtors knowledge of debt. Confirms Debtors knowledge of debt. Enables bank or client review of contacts. Enables bank or client review of contacts. Enables analysis of debtor payment delay. Enables analysis of debtor payment delay. Provides continuity of collection efforts. Provides continuity of collection efforts.

13. CF suggests prudent credit limits

14. CF Program Fees to Banks Clients A one-time set-up fee in the amount of $250.00. A one-time set-up fee in the amount of $250.00. 2.00% for the first $1,000.000 (per annum) of net A/R charges, then: 2.00% for the first $1,000.000 (per annum) of net A/R charges, then: 1.75% from $1,000,001 to $5,000,000. 1.75% from $1,000,001 to $5,000,000. 1.50% from $5,000,001 to $20,000,000. 1.50% from $5,000,001 to $20,000,000. 1.25% from $20,000,001 to $30,000,000. 1.25% from $20,000,001 to $30,000,000. 1.00% from $30,000,001 1.00% from $30,000,001 Fees are computed on a rolling 24 month period, based on the following: Fees are computed on a rolling 24 month period, based on the following: Electronic data submission. Add.125% for manual methods. Electronic data submission. Add.125% for manual methods. All charge customers are included*. Add.250% for partial participation. All charge customers are included*. Add.250% for partial participation. Average invoice value of $500.+ Add.125% if average is less. Average invoice value of $500.+ Add.125% if average is less. Customers accounts =10K Per Yr. Add.125% if average is less. Customers accounts =10K Per Yr. Add.125% if average is less. Early termination charges may apply. There are no other fees or charges. *Fee reductions may be elected for special customers requiring no CF service. Special rates apply to work-outs and accounts under $1,000,000 per annum. *Assumes 80% repeat customer base.

15. CF Service Start-up Schedule System installation requires only 5 minutes. System installation requires only 5 minutes. Our set-up team scans documents to capture data. Our set-up team scans documents to capture data. Collection work can begin the day data is acquired. Collection work can begin the day data is acquired. Clients need a 56K modem, or DSL connection on a PC running windows 98 or newer. Clients need a 56K modem, or DSL connection on a PC running windows 98 or newer. Data is imported into our system from the clients files in a delimited text file format. In the event no export function is provided we may furnish a custom program interface at little or no cost to the client. Data is imported into our system from the clients files in a delimited text file format. In the event no export function is provided we may furnish a custom program interface at little or no cost to the client.