aga: your single source for Commercial Collections and accounts receivable solutions740 Walt Whitman Road • Melville, NY 11747-9090

Toll Free: 888.496.1600 • Main: 631.425.8800 • Fax: 631.425.8808

saFeguarding your business relaTionsHips

Thecornerstoneofanybusinessisthe

relationshipsthatitestablishesandmaintains.

Forfourdecades,AGAhasdevelopedlong-

lastingassociationswithabroadspectrumof

companies.Weunderstandthehardwork

thatgoesintoformingthesealliancesand

retainingthem.Thatiswhyweputapremium

onbusinesspracticesthatareopenand

honest.Weearnourclients’trustbyproving,

timeandagain,thatwecangetthejob

donewhileprotectingyourhighlyvalued

business-to-businessrelationships.

sHaring our Core skills

Weseeourselvesasanextensionofyourcredit

department.Inotherwords,areliableworking

partnerwithspecializedexpertiseincommercial

collectionsandaccountsreceivablesmanage-

ment.Whileyouremainfocusedonbuildingand

shapingyourbusiness,letourrecoveryteamaid

youinsustainingahealthybalancesheet.

aCHieving dependable reCeivables resoluTions

YoucanfeelconfidentthatwhetherAGA

receivesasinglecollectionsaccountoris

entrustedwithhandlingyourcompany’sentire

accountsreceivableportfolio,weapproacheach

assignmentwithdiligenceanddedication.

Whenyouworkwithus,you’llknowthateven

ifyourbusinessisn’talwayspredictable,the

effortsandresultsofAGA’steamwillbe.By

turningpastduereceivablesintocash,we

retrievemoniesthatcanthenbereinvested

towardyourbusinessgrowth.

Since 1972, A.G. Adjustments (AGA) has been committed to ensuring our

clients – from small businesses to Fortune 500 companies – the highest

possible rate of return on outstanding receivables. Our time-tested solutions

to both commercial collections and accounts receivable management help

maintain your company’s professional and public image while optimizing your

business’ critical cash flow cycle. With on-going evaluation and refinement

of our services, business practices and relationships, we stay at the top of our

game in order to continually meet and, yes, exceed your expectations.

With corporate offices in New York, satellite offices throughout the U.S., and

strategic alliances worldwide, AGA is well positioned as a resourceful global

partner in both commercial collection recovery and A/R management.

Mission: To return the maximum net dollars to you, in the

shortest time possible, while maintaining your public image.

Conquering ColleCTion CHallenges

AGAisrecognizedworldwideforitsindustry

expertise,strengthinthemarketplace,andfor

thebroadrangeofservicesweprovide.Youwill

haveaskilled,outcome-focusedallystandingin

yourcorner.Aftercompilingadetaileddebtor

profile,weworkwithyourcustomerstowarda

timelypositiveresolution.AGA’scollection

effortsareefficient,yetcenteredonpreserving

sound,ongoingrelationshipsforyourbusiness.

Bycommunicatingtoyourcustomersina

professionalandethicalmannerwehelp

re-establishsolidbusiness-to-businessrelations

thatkeepyourbusinessmovingforward.

Harnessing business-CriTiCal inForMaTion

Werealizethatourclientshaveenoughstrain

ontheirtimewithoutbeinginundatedwith

countlessreports,analysesandsummaries.As

weseeit,ourjobistoprovideyouwiththe

customizedupdatesyouneed,specificallywhen

youneedthem.Youletusknowexactlywhat

informationyouwishtosee,inwhatformat,

andwithwhatfrequencyandwedotherest.

You’llalwayshaveaccesstotimelyreportsand

archivaldatathroughyourcustomizedclient

portalandwe’lladaptourreportingsothatit

remainsuserfriendlyandpertinent.Moreover,

youcanrestassuredthatpersonalserviceand

easeofcommunicationcontinuetostandatthe

forefrontofourbusiness.

Fee sCHedule

Basic Commissions

25%onthefirst$3,000

20%ontheexcess

50%onclaimsover1yearoldor

secondplacements

Largeclaimsnegotiableon

individualbasis

Minimum Commissions

0-$300.....50%

$301-$600.....$150

Return of Merchandise

50%ofpublishedfee

International Claims

331/3%

Legalfeeswillvarydependingupon

thecountry.Attorneysmayrequire

retainersorhandlingfeesthatwillbe

appliedtotheircustomaryfees.

Consumer Placement

50%

Forwarding Fee

Whennecessary,claimswillbe

forwardedtoattorneysforcollection.

A25%feewillbechargedon

moniesrecovered.

Litigation

Whensuitisrecommended,client’s

authorizationwillberequired.

Shouldsuitbeauthorized,creditor

willberesponsibleforcourtcosts

andattorneyfees.

AGAmayretaincompensationforitscostsandexpensesandalllawfulsumscollectedoverandabovetheprincipalamountoftheclaim.

www.agalTd.CoM

“no ColleCTion - no Fee”

aga serviCes

Collection Services

O AccountsReceivable

ManagementOutsourcing

O CommercialCollections:

DomesticandInternational

O CreditandCollectionConsulting

O DebtManagement

Asset Searches

O BankSearches

O BankruptcyFilings

O JudgmentLiens

O Skip(address)Tracing:

DomesticandInternational

O TaxLiens

O UCCFilings

Seminars

O AccountsReceivableManagement

O CashFlowManagement

O CollectionTechniques

Letter Writing Services

O CommercialandConsumer

O CustomizedIndustry-SpecificLetters

740 Walt Whitman Road • Melville, NY 11747-9090

Toll Free: 888.496.1600 • Main: 631.425.8800 • Fax: 631.425.8808

CerTiFied MeMber, CoMMerCial ColleCTion agenCy assoCiaTion

O Adherencetoarigorouscodeofethics

O Reputablecollectionproceduresthatmaintaingoodwillwithcustomers

O Maximumdollarrecovery

O Allaccountsbondedandinsured

O MaintenanceofseparateTrustAccountsforcollectedfunds

O Promptremittanceoffundstocreditors

THe aga TeaM

ThelongevityfoundwithintheAGAteamspeaksvolumes

aboutitsstrength,cohesiveness,commitmentandpride.

Whilewehavegrownexponentiallyoverthepastfour

decades,AGAhascontinuallybuiltamatrixinwhich

personalandprofessionalaspirationsareabletothriveand

progressiveideasflourish.What’sthebenefittoyou?The

advantageisthatyouprofitfromanoptimistic,results-

drivenatmospherethatachievespositiveoutcomesusing

themostup-to-datemethodstogetherwithasystemof

provenbestpractices.

HeadingtheAGAteamareMarcGerstel,president,and

RobertGerstel,chiefexecutiveofficer.Together,they

representapassionatesecondgenerationofindustry

expertswhocontinuetooperateandgrowthebusiness

withaneyetowardthefuture.WhileinfusingtheAGA

teamwiththeirdedicationtoservingthebestinterestsof

theirclients,bothofficersremainfullyinvolvedand

activelyengagedinallfacetsoftheorganization.