“DDA RECOVERY PLUS” THE TOOL TO HELP YOU

1. “DDA RECOVERY PLUS” THE TOOL TO HELP YOU INCREASE YOUR Non-Interest Income

2. What some of Mike’s Banks are saying “…We have reordered the system 2 times already in the past 3 years and are receiving a ROI of $6.18 to $1.00. Not bad considering this is found money that is usually written off at 60 days and placed into ChexSystems…” — Lance McDougal VPO/Western National Bank Midland “…It has been my pleasure to work with Transworld Systems Inc., as our collection agent for bad debts on checking accounts since 1991…” — Leonard Lidiak Chairman Emeritus/State National Bank Texas “…We have been a client of TSI for 15 years. The best part of TSI is the personal service that you provide for us. TSI has been our most valuable source of collecting on our DDA accounts in the past and we plan on having much success in the future… — Sandra Milles OD Coordinator/First Federal Bank Roswell

3. What some of Mike’s Banks are saying “…Since we joined, the bank has collected on overdrawn accounts that would have been losses. We highly recommend the program to other banks for their overdraft losses… — Ginger Myska EVP/Inter National Bank McAllen “…I have worked with Mike since 1988. Working with Mike and Transworld since that time has seen many changes. The collection process has evolved from rolling paper forms into a typewriter and splitting the carbon forms for processing to the simple act of inputting information directly to your system to start the collection process.… ” — Diana Rivas Support Services Manager/Citizens Bank of Las Cruces “…We find the system very user friendly. Overdrafts and closures are submitted through the TSI website. Our staff is able to update submitted accounts, as well as review accounts & reports at our convenience, without phone calls and/ or emails to review current information…” - Catherine Barton Account Manager/Alamogordo FSB

4. A few Banks/CU’s that work with TSI Lubbock National Bank National Penn Bank United Community Bank Western National Bank First Charter Bank People Bank First State Bank of Texas Happy State Bank Frontier National Bank Union Bank & Trust First United Bank Robert Lee State Bank Century Bank FSB Sundown State Bank Hereford State Bank FNB of Fabens Capital City Bank Sturgis Bank and Trust Citizens Bank NBSC Deposit Processing GECU Arvest Bank Washington Federal First Light FCU The Bank & Trust Capitol Bank Inter National Bank 1st National Bank Bank United First Nat Bank Edinburg Arthur State Bank

5. Phase I: IN-HOUSE COLLECTION FOR 30-45 Days Day 7 1st Letter After Daily Or Weekly Report Day 14 2nd Letter Day 21 3rd Letter Day 30 4th Letter Close Acct Day 45 Account Sent To ChexSystems Phase II: PERCENTAGE AGENCY or ChexSystems % Average Rate of Recovery = 5% to 10% ● Average Fee = 40-50% True Cost of Collections = 90 to 95% or more in lost fees PROBLEM with Compliance Software /Internal Letters/Calls

6. Phase I: In House Phase II: Transworld Systems Optimize in-house procedures Day 45 Day 55 Day 65 Day 975 Day 85 Day 0-30-45 Letter 1 Letter 2 Letter 3 30-45 days closed ChexSystems Pre or Post Demand 2nd TSI Contact 3rd TSI Contact 4th TSI Contact TSI 5th and Final Contact 25% to 60% Recovery Rate The TSI system has a DDA report used by banks to eliminate double work placing accounts in ChexSuystems!!! • Improved cash flow • Reduced expenses • Identify intent • Find money $$$ • 2 birds 1 stone • Identify intent 80% to 95% Collected Phase III: Verbal Demands and/or Legal Action SOLUTION is Progressive 3 Phase Approach

7. Start Early -Recover More

8. 24/7 “Real Time” Reporting • Client controls all starts and stops • Ability to access, update, and manage accounts online • Real-time, web-based account reporting • 24/7 access to account information

9. Upload hundreds of accounts to ChexSystems using e-funds Kill 2 birds with one stone! After the OD’s are uploaded to Transworld Systems for collection, our OCP will create a report for you that can then be sent to ChexSystems using eFunds Online. Banks can send hundreds/thousands of accounts to TSI and ChexSystems in minutes.

10. Debtor Contact Map – Local Presence

11. Recovery Plus Overdraft Demands To see a copy of the DDA Recovery Plus Demands contact your rep…

12. Why Do GreenFlag Demands Work vs. Internal Letters or Traditional Agencies? • TSI address is from closest contact office to debtor, which is zip code activated. Local or Regional contact vs. a call from another state! • TSI has no company name only PO Box on envelope which makes it hard to recognize. Gets opened! Most company statements or letters have company name on them. • TSI demands change size every 10 days. Most internal statements or letters go out every 30 days in same envelope. • TSI demands get through to 95% or more off all accounts on average vs. telephonic internal or external attempts. Study’s show that 70%+ of all consumers screen calls with caller id, call block, answering machines. • TSI return payment envelope & tear off voucher 1st, 3rd, & 5th demands. The only thing we don’t do is lick the stamp for them! It’s like a utility bill that makes it a priority over a statement from a client. • FDCPA Disclaimer on the bottom of the 1st demand for payment. All agencies in the US have to send out but they don’t have to tell you so they get a % for a letter! • 3rd party impact!

13. Sample Status Report