The tools to help you

1. The tools to help you MIND YOUR OWN BUSINESS

2. Transworld Systems, Inc. • We’re in the business of profit recovery. We lead the industry in providing businesses with better tools for recovering bad debt and accounts receivables. We’ve been proving it to our customers, including many Fortune 500 companies, since 1970. Let us prove it to you. • Last year, we recovered $650 Million for an average of about $10.00 per account.* • Our success rate ismore than triple thatof the industryaverage.** • Providing local impactwith over 150 officescoast to coast.*Company average.**Based on ACA statistics.

3. What Our ClientsHave in Common • They extend credit and/or accept checks. • They most likely have an individual or an entire department devoted to collecting past due accounts internally. • They all use GreenFlag Profit Recovery services to minimize bad debt losses. “As a national direct marketer we faced some very unique challenges in the area of collections. TSI not only helped us meet these challenges, but helped us exceed our goals in a very cost-effective manner.“ — Tom Miglino Vice President American Mint

4. Some of the 60,000 Businesses Using GreenFlag Profit Recovery Services: SYSCO Food Services Ernst & Young Coca Cola ChoicePoint Blue Cross Blue Shield GEICO Insurance Marriott Hotels DirecTV UCLA Sylvan Learning Centers American Red Cross ADP Proxy Services American Express Apple One Inglewood Public Library Columbia Surgery Centers Waste Management Sav-On Drugs SEARS TruGreen Lawncare Jiffy Lube Cingular Wireless Walker Towel & Uniform USA Waste Eastman Kodak American Linen Culligan ADT Security Goodwill Industries Citibank Hilton Hotels US Foodservice Century 21 VA Hospitals Nationwide Cornerstone Clinic Geneva Woods Medical GeoCHEM Tony’s Enterprises Bell Plumbing & Heating CINTAS Toledo Scales Pepsi Cola AT&T City of Sausalito Roto Rooter Servpro Merrill Lynch Cedars Sinai AmeriPride Linen Service Diaz Landscaping Bell South

5. What the Experts Say • “...Transworld has a long term proven record of being able to deliver twice the normal recovery rate at a fraction of the normal cost.” • Shearson Lehman • “Transworld gets credit for the highest recovery rate in the industry.” • Barron’s • “The Company has a collection rate of well over 50%. The typical collection firm gets only 20% and keeps 25% to 50% of recovered funds.” • Fortune Magazine • “Its low fee structure encourages clients to assign accounts early, usually 45-90 days past due. Their recovery is more than 2 ½ times better than the competition. • Investor’s Daily • “In addition to the superior collection rate and speed of recovery, Transworld’s low fee provides the client with a 30%-70% savings.” • FORBES Magazine

6. What We Do For You • For an average $10.00 per account, we provide the impact of third party intervention. • Minimize internal efforts, improving overall department performance. • Preserve your valued customer relationships. • Minimize the risk of accidental violations of state and federal collection laws and/or harassment suits through the use of a hold harmless agreement. • Allow 24/7 access to account information via secure website as well as complete monthly reporting on all accounts. “In the 6 years we’ve been using Transworld Systems I haven’t had one single complaint from a customer. TSI’s consistency is something I can count on.” Jim Peightal – VP Credit – SYSCO Food Services of Los Angeles

7. Transworld Systems Conventional Agency Start Early – Recover MoreWe all know that the older an account gets, the harder it becomes to collect. But did you know that at 60–90 days past due accounts begin to depreciate at the accelerated rate of ½% per day? At 180 days, past due funds have depreciated to the point where only 30% on average will ever be recovered. 95% 100% 90% Critical Depreciation Period 1/2% per day 74% 80% 70% 60% 50% 40% 30% 30% 20% 10% 10% 0% A G E O F A C C O U N T S IN DAYS 0 30 60 90 120 150 180 210 240 270 300 330 365 Source: U.S. Department of Commerce study on depreciation of accounts held in-house

8. Getting Better Results • We recover more because we start earlier. • We recover more than traditional agencies because: • We work ALL of the accounts the same way, regardless of the size or the balance. • Most percentage-based agencies work only the accounts with higher balances that are the most cost effective for them, leaving the smaller balances uncollected. • Our fixed fee, diplomatic service allows you to have us get started early in the process with the increased impact of third party intervention. “…studies by the American Collectors Association show that 80% of all the monies collected by agencies are collected as a result of letters.” • American Collectors Association, Inc.

9. AverageAgency Collection 14% (ACA Average) Average Agency Cost 33% (ACA Average) National Statistics Prove It • According to the American Collectors Association, Inc., the average collection agency collects less than 14% of all debts assigned at an average cost of 33% per dollar collected. • Our clients experience a 56% recovery rate at a cost of approximately 7 cents per dollar collected. TSI Collected 56% (company average) TSI Cost: 7¢ per dollar collected (company average)

10. What our clients say… • “I’d recommend Transworld Systems to any business large or small that’s fed up with slow paying or delinquent customers and would like to get paid sooner without worrying about losing future business” • SYSCO Food Services • “We’ve been using your service for the last seven years and have recently renewed for the fourth time. We had tried several other collection agencies prior to TSI, but we have stayed with you because you have produced results far superior to any other agency we ever used. TSI’s nationwide coverage affords us the opportunity to pursue accounts across the country for an amount that is much less than it would cost us, making TSI very cost effective.” • AAA Motor Club • “We have been using TSI at this location for three years now and the results have been nothing less than outstanding - 69%!! The demands for payment are diplomatic and yet very effective. It’s easy to see why Marriott Hotels chose to use Transworld Systems nationwide. You have our recommendation for any business looking to simplify collection procedures” • Marriott Hotels • “Many of our balances are small so we needed a service that would work for all of our balances not just the big ones. TSI has really come through. Collection success rate is great, cost is reasonable and best of all, my time is freed up to concentrate on my business and paying customers.” • Jennie Craig Weight Loss Centers

11. Verbal Demands • When intensive recovery efforts are required • GreenFlag Verbal Demands employs a team of highly trained recovery specialists operating from nationwide call centers. • Verbal Demands Phase: • Turns up the heat on overdue accounts • You pay only for what is recovered • Offers legal recourse for tough cases • Handles the types of accounts other agencies ignore as un-collectable.

12. Legal Options • Making the difference in the toughest cases: • GreenFlag Legal Options can make a difference where court action is warranted, and there are assets that can be recovered. • Legal Options Phase: • Cause suit to be filed • Pay all court costs • Pay attorney fees, service or process fees • Pay any other fees necessary to satisfy a judgement • An attorney will appear in court on your behalf. • Most Importantly: • If no money or assets are collected,there is no charge.

13. A final word… See for yourself why 60,000 businesses choose TSI over extended in-house efforts and all other 3rd party alternatives combined • We recover three times the industry average for about one-sixth the cost. • Flat-fee, no percentages – regardless of the balance. Average cost of only 7 cents per dollar collected. • Diplomatic approach – we recover your profits without offending your valued customers. • You stay in control – you decide how diplomatic to be and when to turn up the heat. • Recovered profit is paid directly to you. No more waiting 15-45 days for an agency to pay you your money. • Over 150 Offices Nationwide – provides unparalleled local impact. • Performance is guaranteed – Use TSI at no financial risk whatsoever. • Other services include bad check recovery, check guarantee and medical insurance claim resolution. Contact Information: Joe Austin – Cash Flow Consultant Transworld Systems Inc. 1869 E Seltice Way #338 Post Falls, ID 83854 Voice/Fax: 800-796-1485 Cell: 208-659-7908 joe.austin@transworldsystems.com web.transworldsystems.com/jaustin