Time is money. You have recently purchased a portfolio of accounts of which the original creditor no longer determines
to be of value. Therefore, as an investor, you must move on your inventory of accounts quickly where necessary to
realize a return on investment. ACI is automated and easy. ACI ensures the fastest possible activation of investor
purchased inventory. On placement, ACI's custom developed data system will, within 24 hours:

1) Run a National address search on each debtor to obtain the most recent address;

2) Mail the required FDCPA notice of assignment letter;

3) Run a National telephone search on each debtor to obtain any current contact numbers.

Within five (5) days of placement, notice is served and contact is made on each debtor where possible.

Using our state-of-the-art software, each Account Recovery Specialist has essential Asset and Location information at
their fingertips. This information ranges from the basic personal information such as current addresses, phone numbers,
social security numbers, and employment information. Additionally, ACI obtains other consumer information from financial
institutions and credit grantors. This information can provide current banking and property ownership information on
the consumer.

For consumers who have skipped, ACI employs the latest skip tracing tools where necessary to locate the
debtor(s).

ACI provides each investor client on-line access to their portfolios. Investors have on-line access to obtain
status reports, actuarial data, and recovery data. With on-line access, investors are free to transmit new accounts,
leave detailed messages on specific accounts, request custom reports, or simply audit your inventory.

ACI, with over 25 years of experience and dedicated A/R Management.