AS ADVERTISED

2. AS ADVERTISED ARE YOU GOING TO CONTINUE TO TRUST LADY LUCK TO PROTECT YOUR MOST PRECIOUS ASSET? YOUR CASH FLOW! With one single demand letter from Pan Am Collections you can turn your passed do accounts into cash at no charge to you. Pan Am Collections, Inc. PO Box 128 Bloomington, IL 61702-1288 888-827-2005

3. WHY GO OUT AND BORROW WHAT YOU ALREADY HAVE? OPERATING CAPITAL ACTUALLY COSTS TWICE WHAT YOU THINK IT DOES WHEN YOU HAVE MONEY TIED UP IN OUTSTANDING DELINQUENT ACCOUNTS.

4. NATIONWIDE SERVICE SERVICING ACCOUNTS FROM $20 TO $1,000,000 • Three ways to choose how your accounts are handed over. • Debtor saved as a CUSTOMER if at all possible. results to our customers. • You maintain complete control of accounts at all times. • Payments are made DIRECTLY TO YOU. • NO PERCENTAGES paid to Pan Am Collections, Inc.

5. THIS IS YOUR MONEY DEPRECIATING IMPORTANT FACTS ABOUT PAST DUE ACCOUNTS: Every day past due accounts stay on your books, they decrease in value. Eventually they become worthless! YOU DON’T OWE THE MONEY…BUT YOU ARE PAYING THE BILL ► INVOICES ► STATEMENTS ► POSTAGE ► LETTERS ► PHONE CALLS ►TIME & AGGRAVATION

6. DON’T WAIT! For some industries, the due date may be several months after the delivery date , Source: “Annual Collectibility Survey,” the Commercial Collection Agency Section of the Commercial Law League of America, New Providence, NJ, April 1993. USE PAN AM COLLECTIONS, INC.

7. TYPICAL BILLING PROCEDURES Goods Shipped or Work Completed First of the Month Beginning of the Second Month Beginning of the Third Month Invoice Mailed Statement Mailed Statement Sent (Account is NOW Past Due) Final Statement Sent An audit of your account shows it is PAST DUE. If this account is not paid within 15 days it will be turned in for COLLECTION. YOUR REQUEST FOR CREDIT WAS NOT IGNORED. PLEASE DO NOT IGNORE OUR REQUEST FOR PAYMENT. PAST DUE PAYMENT MUST BE MADE WITHIN 10 DAYS OR COLLECTION PROCEDURES WILL BE NECESSARY TEN DAYS LATER….. Pan Am Collections, INC. YOUR COLLECTION PROBLEMS BECOME OUR RESPONSIBILITY!!!

8. A REALISTIC COMPARISON PERCENTAGE COLLECTION AGENCY Pan Am Collections, Inc Value of Accounts Turned Over………$10,000 Pan Am Collects…$5,000 Pan Am Keeps…....$0.00 YOUR SHARE…….$5000 Value of Accounts Turned Over………...$10,000 Agency if it Collects (If it collects 50%)……$5,000 Agency Keeps (at 50% Fee)………….$2,500 YOUR SHARE……...$2,500 SUCCESS RATE AVERAGES 35-55% AVERAGES 15-25% MONEY DIRECTLY TO YOU AGENCY HANDLES YOUR MONEY (Delays you receiving your money for up to another month) NATIONWIDE SERVICE MAY REFER OUT ACCOUNTS WORKS ON ALL SIZE ACCOUNTS TENDS TO CONCENTRATE ON LARGE OR EASY ACCOUNTS YOU CONTROL THE SERVICE WHO CONTROLS ACCOUNTS??

9. WHAT ARE WE DOING TO RECLAIM YOUR MONEY??? 35-55% COLLECTION RATE BASED ON ACCOUNTS TURNED OVER FOR COLLECTION NATIONWIDE PAYMENTS ARE MADE DIRECTLY TO YOU! ***FAST ***EFFICIENT ***NO PERCENTAGES

10. We have 3 options for our debt recovery. Option 1 : NO charge single demand letter Option 2: One flat rate fee of 13.99 per account. Option 3: Pay 25 dollars for initial account if not collected get up to 2 accounts for free.

11. Pan Am Collections, INC. WILL COLLECT FOR A FLAT ONE TIME FEE OF $13.99 PER ACCOUNT NO MATTER THE SIZE OR AGE OF THE ACCOUNT NO PERCENTAGES AND NO HIDDEN FEES

12. We know were not perfect so we offer accounts at 25 dollars per account. If there is no payment or arrangement made you receive 1 free account up to 2 accounts per initial account.

13. We turn this into IN TO THIS… OR YOUR MONEY BACK!!

14. FREE CONVENIENT SERVICE! FAST EASY SECURE JUST TYPE & SUBMIT NO PRINTING NO POSTAGE FREE CONVENIENT SERVICE! FREE CONVENIENT SERVICE! FAST EASY SECURE FAST EASY SECURE JUST TYPE & SUBMIT JUST TYPE & SUBMIT NO PRINTING NO POSTAGE NO PRINTING NO POSTAGE