Accelerated Accelerated Receivables SolutionsReceivables Solutions

We Make Your Cash FlowWe Make Your Cash Flow

Company History:Company History:

• 1932 - Accelerated Receivables Solutions is founded as a credit 1932 - Accelerated Receivables Solutions is founded as a credit bureau for the City of Scottsbluff. bureau for the City of Scottsbluff.

• 1975- Gerald Laws, purchases ARS. 1975- Gerald Laws, purchases ARS.

• 1988- Andy Laws joins ARS. 1988- Andy Laws joins ARS. • 1991- David Laws joins ARS.1991- David Laws joins ARS.

• 1996- Andy and David purchase the company. 1996- Andy and David purchase the company.

• 1998- Stephen Laws joins the ARS ownership group. 1998- Stephen Laws joins the ARS ownership group.

• 1998- The 20,000 square foot building that ARS currently calls home 1998- The 20,000 square foot building that ARS currently calls home is purchased. is purchased.

• 2007- ARS boasts 50 employees2007- ARS boasts 50 employees

Company Information:Company Information:

• ARS, has two company locations: Scottsbluff ARS, has two company locations: Scottsbluff Nebraska, and Torrington, Wyoming. Nebraska, and Torrington, Wyoming.

• The Scottsbluff location is a 20,000 square foot The Scottsbluff location is a 20,000 square foot facility. Separate entrances are utilized for facility. Separate entrances are utilized for employees, clients and debtors. These separate employees, clients and debtors. These separate entrances provide security, and increase our entrances provide security, and increase our HIPAA compliance. HIPAA compliance.

• We have recently implemented Ontario Systems’ We have recently implemented Ontario Systems’ state of the art “Artiva” software system.state of the art “Artiva” software system.

Company Management:Company Management:

• Andy LawsAndy Laws - President and CEO. - President and CEO. • He has nearly 20 years of experience He has nearly 20 years of experience

in the Accounts Receivable in the Accounts Receivable Management (ARM) Industry.Management (ARM) Industry.

• He has held positions as National He has held positions as National Director of the Nebraska Collectors Director of the Nebraska Collectors Association, President of the Nebraska Association, President of the Nebraska Collections Association, Director of Collections Association, Director of the Colorado/Wyoming Collectors the Colorado/Wyoming Collectors Association, and is additionally an Association, and is additionally an ACA International Scholar. ACA International Scholar.

• He holds more than 20 business He holds more than 20 business related certificates, and is highly related certificates, and is highly involved in numerous state and involved in numerous state and national associations.national associations.

• He currently serves on the National He currently serves on the National Ethics Committee.Ethics Committee.

Management Continued:Management Continued:

• David LawsDavid Laws - Chief Operating Officer. - Chief Operating Officer. • He has been vital to the company's He has been vital to the company's

continued growth, helping expand the continued growth, helping expand the number of employees from 8 when he number of employees from 8 when he started, to the 50 currently employed. started, to the 50 currently employed.

• He is entirely customer driven, when He is entirely customer driven, when working with clients. working with clients.

• He stated, "Having an honest, friendly He stated, "Having an honest, friendly approach with our customers is key. I approach with our customers is key. I strive to use ethical motives and strive to use ethical motives and strongly believe in my personal strongly believe in my personal development of a servant’s heart development of a servant’s heart method when dealing with my fellow method when dealing with my fellow human beings."human beings."

Management Continued:Management Continued:

• Stephen LawsStephen Laws - Chief Information - Chief Information OfficerOfficer

• With a specialty in information With a specialty in information services, he brings a great deal of services, he brings a great deal of knowledge of the collections knowledge of the collections industry to ARS, and its many industry to ARS, and its many clients. clients.

• When it comes to working with When it comes to working with customers, service is the top customers, service is the top priority for Stephen. priority for Stephen.

• He says, "Without our customers He says, "Without our customers we wouldn't be here. I feel we are we wouldn't be here. I feel we are business partners with all our business partners with all our customers rather than just a customers rather than just a vendor they have working for vendor they have working for them." them."

Legal Counsel:Legal Counsel:

• David Brostrom David Brostrom • He has held his license to practice law He has held his license to practice law

in Nebraska since 1989, and has been in Nebraska since 1989, and has been the in-house corporate counsel for the in-house corporate counsel for ARS/MS since 1997. ARS/MS since 1997.

• He has a bachelor’s degree from Minot He has a bachelor’s degree from Minot State College, and holds a law degree State College, and holds a law degree from Creighton University. from Creighton University.

• He is currently licensed to practice in He is currently licensed to practice in Nebraska, Wyoming and Colorado. Nebraska, Wyoming and Colorado.

• Prior to joining ARS he worked as a Prior to joining ARS he worked as a private practice attorney. private practice attorney.

• His business philosophy is simple: His business philosophy is simple: "The best deal for the customer, with "The best deal for the customer, with the least risk of loss, and the highest the least risk of loss, and the highest potential for success, is my goal."potential for success, is my goal."

Company Vision, Mission, Company Vision, Mission, Purpose, Principles & Values: Purpose, Principles & Values:

• Our VisionOur Vision: We are the preeminent resource in the region : We are the preeminent resource in the region for seeing the needs and strategically planning for for seeing the needs and strategically planning for implementation of profitable Accounts Receivable implementation of profitable Accounts Receivable Management (ARM) solutions for business.Management (ARM) solutions for business.

• Our MissionOur Mission: To develop and improve our relationships : To develop and improve our relationships with individuals, businesses, government and not-for profit with individuals, businesses, government and not-for profit leaders, in order to identify their needs and offer beneficial leaders, in order to identify their needs and offer beneficial leading edge ARM solutions.leading edge ARM solutions.

• Our PurposeOur Purpose: To provide consulting, continuing education, : To provide consulting, continuing education, and ARM services to individuals, businesses, and and ARM services to individuals, businesses, and government and not-for-profit organizations. This results in government and not-for-profit organizations. This results in improved profits, production, and image for our clients, improved profits, production, and image for our clients, which allows all members of our organizations to improve which allows all members of our organizations to improve their lives through diversification, expansion and their lives through diversification, expansion and appropriate profitability.appropriate profitability.

• Our Principles & ValuesOur Principles & Values: We are customer driven, with a : We are customer driven, with a “servant’s heart,” we have ethical motives, and we always “servant’s heart,” we have ethical motives, and we always operate an honest and friendly company.operate an honest and friendly company.

Employees:Employees:

• Prior to employment, applicant references are checked, Prior to employment, applicant references are checked, and all applicants are subject to a comprehensive drug and all applicants are subject to a comprehensive drug screening. screening.

• Upon hire account recovery specialists are required to Upon hire account recovery specialists are required to complete Fair Debt Collection Practices Act (FDCPA) complete Fair Debt Collection Practices Act (FDCPA) training through ACA International with a score of at least training through ACA International with a score of at least 92%. 92%.

• Employees are also required to fulfill the ACA Employees are also required to fulfill the ACA requirements for Professional Telephone Collection requirements for Professional Telephone Collection Techniques (PTCT) training before they are eligible to Techniques (PTCT) training before they are eligible to recover accounts. recover accounts.

• Account recovery specialists are additionally trained on Account recovery specialists are additionally trained on HIPPA and FDCPA privacy issues. This is accomplished HIPPA and FDCPA privacy issues. This is accomplished through roll play and the review of company policies, through roll play and the review of company policies, regarding the 8 steps of a collection call.regarding the 8 steps of a collection call.

PPMSPPMS

• We are currently nearing completion of ACA International’s We are currently nearing completion of ACA International’s Professional Practices Management System (PPMS) Professional Practices Management System (PPMS) certification process.certification process.

• PPMS is a relatively new certification process, with less than 40 PPMS is a relatively new certification process, with less than 40 certified agencies world wide. certified agencies world wide.

• PPMS requires the documentation of company policies and PPMS requires the documentation of company policies and practices as they pertain to company service. This ensures all practices as they pertain to company service. This ensures all policies and practices are constantly being followed. policies and practices are constantly being followed.

• The documentation process also includes the control of various The documentation process also includes the control of various company practices such as employee training, annual company practices such as employee training, annual management reviews, identification of nonconformities, management reviews, identification of nonconformities, corrective action of nonconformities, and continuous corrective action of nonconformities, and continuous improvement projects. improvement projects.

• Through this process we have the capability to easily identify Through this process we have the capability to easily identify areas of excellence and areas which need further attention. areas of excellence and areas which need further attention.

Take S.T.O.C.K. in ARS:Take S.T.O.C.K. in ARS:

• SSecurityecurity

• TTechnologyechnology

• OOpportunitypportunity

• CCommunicationommunication

• KKnowledgenowledge

Security:Security:

• Employees have separate entrances Employees have separate entrances from everyone else conducting from everyone else conducting business with ARS.business with ARS.

• There is a secure interior door There is a secure interior door which remains locked keeping non-which remains locked keeping non-employees from entering the employees from entering the business areas of the building. business areas of the building.

• Records are securely handled, and Records are securely handled, and HIPAA compliance is maintained at HIPAA compliance is maintained at all times. all times.

• Data and information being Data and information being received and recorded on the received and recorded on the collection floor and in the collection floor and in the processing center are securely processing center are securely transferred via our virtual private transferred via our virtual private network. network.

TechnologyTechnology

• We utilize Artiva Legal system We utilize Artiva Legal system from Ontario Systems as our from Ontario Systems as our primary ARM tool. primary ARM tool.

• Artiva is state of the art Artiva is state of the art software designed specifically software designed specifically to meet the needs of  third-to meet the needs of  third-party collection firms. party collection firms.

• We have additionally We have additionally integrated Guaranteed integrated Guaranteed Contacts system as our Contacts system as our inbound/outbound inbound/outbound predictive dialing system. predictive dialing system.

• It is designed to create a highly It is designed to create a highly efficient and low-cost method efficient and low-cost method of contacting debtors.  of contacting debtors. 

OpportunityOpportunity

• We view each of We view each of our clients as an our clients as an opportunity to opportunity to provide great provide great customer service.customer service.

• Each debtor Each debtor contacted is an contacted is an opportunity for us opportunity for us to collect.to collect.

Communication:Communication:

• ARS aims to maintain ARS aims to maintain frequent and effective frequent and effective communication with all our communication with all our clients. clients.

• This may occur through This may occur through in- person contacts, in- person contacts, telephone calls, letters, or telephone calls, letters, or even e-mails.even e-mails.

• Our Artiva software allows us Our Artiva software allows us the flexibility to create the flexibility to create reports for virtually any reports for virtually any information requested at information requested at virtually any time interval.virtually any time interval.

Knowledge:Knowledge:

• The extensive training The extensive training of our employees of our employees combined with the combined with the training and experience training and experience of our management of our management provides a vast provides a vast knowledge base for ARS.knowledge base for ARS.

• Continuing education is Continuing education is one of top priorities, and one of top priorities, and we view exceptional we view exceptional training as a key to our training as a key to our success. success.

Take S.T.O.C.K. in ARSTake S.T.O.C.K. in ARS

• Through our mastery of:Through our mastery of:

• SSecurity,ecurity,

• TTechnology, echnology,

• OOpportunity, pportunity,

• CCommunication, ommunication,

• and and KKnowledge nowledge

• You can be confident when You can be confident when you take S.T.O.C.K. in ARS!you take S.T.O.C.K. in ARS!

References:References:

• Tracy JatczatTracy Jatczat, CFO – Box Butte General , CFO – Box Butte General Hospital, Alliance, Nebraska. Client since Hospital, Alliance, Nebraska. Client since 20042004

• Marvin NethMarvin Neth, Administrator – Callaway , Administrator – Callaway District Hospital, Callaway, Nebraska. Client District Hospital, Callaway, Nebraska. Client since 2004since 2004

• Kim HixonKim Hixon, CFO – Creighton Area Health , CFO – Creighton Area Health Services, Creighton, Nebraska. Services, Creighton, Nebraska. Client since 2005Client since 2005

• Lana WebsterLana Webster, CFO/VP Finance - Great Plains , CFO/VP Finance - Great Plains Regional Medical Center, North Platte, Regional Medical Center, North Platte, Nebraska. Client since 2005Nebraska. Client since 2005

• Mehdi MerredMehdi Merred, Administrator - Quincy Valley , Administrator - Quincy Valley Medical Center, Quincy, Washington. Medical Center, Quincy, Washington. Client since 2006Client since 2006