America's appetite for borrowing money bloats U.S. consumer debt to a record high almost every month. As of September, the tab stood at $2 trillion and was spurting at an annual rate of 10 percent. Through good times and bad, spending tomorrow's dollars today never goes out of fashion.

All that borrowing produces a lot of financial heartburn for mismanaged leasing companies and/or companies who
extend structured credit. Every year, leasing companies and other consumer lenders write off more than $70 billion in
uncollectible debt. Many have un-recovered collateral outstanding and even more are deficiency balances due.

You are the Senior Vice President of a leasing company or business executive employed by a company who extends
credit. You are now charged with the responsibility to ensure portfolio performance. Your observation of the industry’s
constant dilemma compels you to recon with two (2) choices:

1) In house-Do I expand our accounts receivables (A/R) servicing department, get more office space, hire more employees and, service the accounts internally? What are the cost factors?

OR

2) Outsource-Do I pass forward the labor and related costs of portfolio servicing to an external company? How
much money will I save for my company? How do I maintain control over the inventory outsourced? Am I able to preserve quality bank/customer relations?

While many leasing and finance companies issue manufacture more accounts than their staff are able to service, many
small to medium sized leasing and finance companies grapple with the cost of labor associated with servicing their
accounts. Naturally, big finance companies can typically afford more payroll expense as the cost of operations is derived from extended credit on more voluminous loan portfolios. Small to medium sized finance companies are micro managed to watch the bottom line more carefully.

Whether a big leasing company or small, or, whether a big financé company or small, the indisputable industry trend is“outsourcing.” Well managed leasing and finance companies routinely find better results in consumer development, marketing, and working to enter desired target markets. Such activity generates new business. New business generates new revenues. New revenues promote growth. Growth promotes expansion.

Many leasing and finance companies realize the enormous value of outsourcing services and routine daily functions to
service providers like ACI where necessary to ensure portfolio performance. By passing forward the costs associated
with postage, invoicing, printing, labor, telephone calls, and consumer dispute issues, well managed banks are able to
allocate their staff to focusing only on growth while simultaneously reducing costs of operations.

It is an industry proven fact that well managed leasing and finance companies who allocate their operational budget to
functions designed to promote exposure in consumer markets do achieve positive results and new business.

ACI responds to the leasing and fiancé industry’s demand by providing quality outsourcing services.

ACI provides services to the leasing and finance industry which include:

E-billing – new state of the art way to electronically ensure timely payment;
Invoicing – notification by mail anywhere in the USA within two (2) business days with payment return envelope;
Pre-Collect – custom tailored programs of mail and telephonic contact made with the consumer in the bank’s name;
Customer Service – dispute resolution available via our call center;
Collection – for severely aged accounts in need of collection services;
Skip Tracing – location of skipped borrowers;
Asset Location – location of assets on commercial loans and guarantors;
Asset Recovery – recovery of merchandise, collateral or property associated to secured loans;
Litigation – where necessary to secure the debt by means of judgment;
Portfolio Servicing – full service A/R management, accrual, and accounting;
Portfolio Auctioning - services associated with a bank's intent to sell a specific series of loans in any given
portfolio to the investor community;

MONITIZE PORFOLIOS

Collections - The industry's leading web-based collections solution for organizations looking to standardize and
improve their credit and collections processes, be proactive in their collections strategies, and improve profitability.
ACI’s A/R Manager Software allows you to:

Provide dramatic and sustainable portfolio performance while reducing non-performance;
Improve business process efficiencies by automating the manual activities associated with portfolio performance; Increase direct customer contact, leading to higher collection rates and lower aged receivables balances;
Identify, track and resolve disputes more quickly;
Improve Dispute Management by applying scenario specific work-flows to address even the most complex
dispute resolution processes;
Execute collections analysis via a comprehensive and flexible reporting dashboard and interface;
Sustain effective collections workload management;
Enable effective collections management by maximizing the value of collections effort by targeting the right
accounts at the right time;
Generate root cause analysis collections reports that lead to improving business processes;
Provide dynamic analytical reporting for cash forecasting, collector workload management, and cash collections
performance.

CUSTOMER DUE DILIGENCE & IN HOUSE INVESTIGASIONS

ACI has in house investigators with the latest state of the art data base system to conduct the following:

Skip trace address locating
Bank account locating
Asset locating
U.C.C. records
Secretary of State records
Credit data base

To custom develop a program designed to ensure your portfolio performance and/or to discuss interface resolutions
to your current data system, please contact your local ACI Account Representative today or write us at:
info@acicollects.com