1. 1 9/15/10 Confidential to The TCM Group/Cedar Financial and Client

2. 2 9/15/10 Confidential to The TCM Group/Cedar Financial and Client Because Money Knows No Boundaries

3. 3 9/15/10 Confidential to The TCM Group/Cedar Financial and Client Understanding the International Student Challenges - Weaknesses – Threats A Global Effective Solution Who is the TCM Group? Questions & Answers Next Steps Rise in International Students

4. 4 9/15/10 Confidential to The TCM Group/Cedar Financial and Client

5. 5 9/15/10 Confidential to The TCM Group/Cedar Financial and Client Default Rates On the Rise

6. 6 9/15/10 Confidential to The TCM Group/Cedar Financial and Client Primary Sources of Funding

7. 7 9/15/10 Confidential to The TCM Group/Cedar Financial and Client Where are they now? OR F1 Visa status H1B Visa status Dual Citizenship Students Permanent Resident Aliens

8. 8 9/15/10 Confidential to The TCM Group/Cedar Financial and Client International Students Going Back Home

9. 9 9/15/10 Confidential to The TCM Group/Cedar Financial and Client International Students Struggle to Find Jobs in U.S. Prospects for employment in U.S. stagnate despite economic recovery Cornell University reports that international students attending the university are steadily increasing every year but students are struggling to get off-campus jobs. “Now, it’s easier for students to get visas, but it’s harder for them to find jobs,” said Rebecca Sparrow, executive director of Cornell Career Services. “During a time of high unemployment, international students have an even more difficult time than U.S. students, just because if a company can avoid any kind of uncertainty or avoid the additional expense, they often do,” said Brendan O’Brien, director of the ISSO. FEBRUARY 15, 2012 BY MARGARET YODERMARGARET YODER http://www.cornellsun.com/section/news/content/2012/02/15/international-students-struggle-find-jobs-us

10. 10 9/15/10 Confidential to The TCM Group/Cedar Financial and Client Top Sending Countries to USA TOP 25 PLACES OF ORIGIN OF INTERNATIONAL STUDENTS, 2009/10 - 2010/11 Rank Place of Origin 2009/102010/11 2010/11 % of Total % Change WORLD TOTAL 690,923723,277100.04.7 1China127,822157,55821.823.3 2India104,897103,89514.4 3South Korea72,15373,35110.11.7 4Canada28,14527,5463.8-2.1 5Taiwan26,68524,8183.4-7.0 6Saudi Arabia15,81022,7043.143.6 7Japan24,84221,2902.9-14.3 8Vietnam13,11214,8882.113.5 9Mexico13,25613,7131.92.0 10Turkey12,39712,1841.7

11. 11 9/15/10 Confidential to The TCM Group/Cedar Financial and Client International Students: Fields of Study

12. 12 9/15/10 Confidential to The TCM Group/Cedar Financial and Client Do not focus or segment the international student collection process Communication barriers Limited resources to locate Limited knowledge of local environment (socioeconomics, religion, culture, political, etc.) Lack Ability to work around differing time zones DO NOT ADHERE TO LOCAL COMPLIANCE

13. 13 9/15/10 Confidential to The TCM Group/Cedar Financial and Client Traditional agencies using in house or just call centers contacting students overseas. Working with many agencies overseas in individual countries. Doing nothing to cure intl. student debt. TCM Group Solution.

14. 14 9/15/10 Confidential to The TCM Group/Cedar Financial and Client Compliance

15. 15 9/15/10 Confidential to The TCM Group/Cedar Financial and Client A network of local specialists o Understanding the debtors language, the local laws One domestic contact point o Understanding your language, your business Agencies working together, jointly invested

16. 16 9/15/10 Confidential to The TCM Group/Cedar Financial and Client Efficiency with Locating Foreign Accounts o Local skip tracing services provide a whole new dimension of efficiency when collecting foreign debts. Claims without telephone numbers or current addresses are no longer road blocks. Effective Localized Skip Technology o Local offices utilize techniques privileged to their local region in order to effectively locate your skipped claims. LOCAL SKIP TRACING

17. 17 9/15/10 Confidential to The TCM Group/Cedar Financial and Client LOCAL LITIGATION CAPABILITIES A refusal to pay does not end our efforts to collect monies owed to our clients. The student is able but unwilling to pay and all pre-legal collection efforts have been exhausted. What’s next? At the university’s option, our local office may obtain an enforceable judgment against the student.

18. 18 9/15/10 Confidential to The TCM Group/Cedar Financial and Client ONLINE REAL-TIME ACCESS Update! Account paid in full Update! Debtor filed bankruptcy Update! Dispute resolution Update! Payment received Global debt collection solutions accompanied by instant client access and complete transparency. All made available directly to you - instantly.

19. 19 9/15/10 Confidential to The TCM Group/Cedar Financial and Client SCREEN SHOTS Global debt collection solutions accompanied by instant client access and complete transparency.

20. 20 9/15/10 Confidential to The TCM Group/Cedar Financial and Client TCM USA = Cedar Financial Worldwide Debt Recovery Over 100 countries under one umbrella Exclusive and thoroughly vetted

21. 21 9/15/10 Confidential to The TCM Group/Cedar Financial and Client Our Strengths Continuing Education (Cedar University) All TCM Group Members sign a strict code ethics Pre Collections Services (30 days) – Domestic Strong knowledge of the education vertical Have high end university clients Positive feedback from current Customers/good reputation

22. 22 9/15/10 Confidential to The TCM Group/Cedar Financial and Client Uniqueness = Results $ Product /Services $ $ $ $ $ $ $

23. 23 9/15/10 Confidential to The TCM Group/Cedar Financial and Client Questions Next Steps ???