Mission Statement Greentree & Associates is dedicated to

serving our insurance clients with the utmost of integrity. Our principal objective is recovering funds with excellent service, timely correspondence, and creative solutions in order to affect the quickest recovery.

Industry Experience

SUBROGATION SERVICES KEYS TO OUR SUCCESS

Greentree’s collection staff has experience in serving clients in the insurance industry for over 17 years, and our experience is directly reflected in our ability to affect results. Our representatives have the specific training and experience to successfully service subrogation receivables. They are trained to explore all avenues of recovery. They also do an asset investigation to determine the debtor’s ability to pay the debt.

Approach maintains professional image.

Team environment encourages accountability among collection team.

Counseling based approach educates the debtors about their options.

We have serviced insurance companies and rental car agencies since our inception and management has worked in subrogation for over seventeen years.

Training & Compliance

Collectors are subject to self-guided tutorial programs that cover the FDCPA, FCRA and the Professional collection Telephone Techniques.

All collectors must pass test in each of these areas to move forward.

Collectors are trained extensively on our application software.

Instruction is given in basic collection theory and procedures. The trainees receive intensive instruction in the methodology

of negotiating a payment arrangement. Role play is utilized extensively as a learning tool. The collectors learn about the common debtor responses and

objections. They are taught to handle each situation with professionalism and diplomacy. The trainees learn to recognize and resolve valid disputes.

Collectors are frequently re-trained and monitored to achieve peak performance.

Technology

We have partnered with the following technology vendors:

CollectOne, CDS software solution

This Premier Collection System is the most comprehensive yet easy to use collection solution on the market. CollectOne uses Microsoft SQL Server as it’s database engine, allowing it to be the most powerful and versatile collection database manager on the market. 

These are some of the other features that CDS offers:

Letter Versatility –In-house or Outside Vendor PrintingPlacement Import (Excel Module or Custom imports) and a vast library of

existing importsFully Integrated Dialer - IATReport Flexibility - Standard comprehensive and unlimited custom Crystal

reports availableAuto Draft -ACH and Credit Card via partner EPPDocument Imaging - Scan and Attach documents for reference, reprint, fax

or emailPowerful Management Tools allowing close inventory management.Audit Features Set Reminders and Special Time CallsCollaborate Collection - Skip trace Departments 

Disaster Recovery & Back Up

Disaster Recovery PlanGreentree & Associates has planned for a disaster with up front vendor

planning. We have partnered with SonicWall for network security Veritas’s Symantec for data backup, and Dell for hardware. Our offsite tape rotation ensures that we will have full data capabilities. Our process maps out different response scenarios based on the disaster.

System Back-up InformationGreentree & Associates uses Symantec Backup; This robust product is

designed to leverage disk and features backup, restore, disaster recovery, single drive library support, Exchange Server, SQL Server, and SharePoint Services protection and recovery. A select family of powerful agents and options deliver storage management tools to meet diverse application needs for growing and upgrading storage management capabilities. This now includes continuous disk-based data protection; helping eliminate backup windows, improve reliability, and deliver the first web-based file retrieval functionality

Data Security

Data Security Review and ProcessOur collection software, CollectOne, employs data encryption over the wire and data encryption at rest technologies, to ensure integrity and security at every level. We use SonicWall for our security platform. It features a deep packet inspection firewall, 802.11b/g secure wireless, gateway anti-virus, anti-spyware, intrusion prevention, content filtering, failover/failback technologies, and IPSec in one solution.Greentree & Associates systems require users to reset passwords frequently.

Handling of AccountsOur collection system CollectOne records all account activity with action and result codes. Specific date and time stamps are recorded on each account for all activity. These notes are secure and are a permanent record.

Server RoomGreentree & Associates collection technology is located in a secure locked location within our main office in Escondido, CA.

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Account Management

Greentree Can Be Your One Stop Shop

Reasons Why Greentree is a Great Choice

FDCPA compliant Recovery Tools Latest Technology Expertise Pre-Litigation Recovery Litigation and Post Judgment Recovery

Assigning your file to a Collection Agency will save significant time and has the lowest cost option with the highest Rate of Recovery and Turn-Around time.

Account Progression Agency VS. Law Firm

Agency Automatic Skip Trace Scrub

performed along with Suspension of License Request

Letters and phone calls are automatically generated within 24 hours of placement

Asset Verification is launched Results entered into the database

simultaneously Contact initiated and resolution

discussion are put in placeEstimated Time = 1 weekEstimated Cost = 0

Reason for Difference Tools: Skip Trace/ License

Suspension/ Dialers/ Automated Letter Series/ Direct Contact by Experienced Subrogation Specialist

Law Firm Reviewing theory of liability, location

of loss, proper jurisdiction Preparing and filing of summons and

complaint Filing complete our for service Contact to insurer to provide good

address if given attempt to re-serve Prepare declaration for signatures

and returnEstimated time = 90-120 daysEstimated cost = $250

Reason for Difference Litigation tools only Focused on litigation requirements

with the courts in order to avoid sanctions vs. recovery efforts.

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Skip Tracing Tools LexusNexus Score and Scrub

Address & Phone Append - National People Identity database Scrub Process with Deceased records and Bankruptcies, Judgment and Liens

Filings Location Score and Collectability Scoring Property Batches

TransUnion Score and Scrub – Collection Prioritization Engine Verifies Consumer Identifying Information - Name, SSN, DOB, POE Address & Phone Append – independent, national, and multi-source database Bankruptcy and Deceased Indicator Collectability Score – assesses likelihood of collecting $50 or more within the

next 12 months TransUnion Inquiry Analysis – returns information from credit applications within

90 days TransUnion DataConnect Characteristics- 180 predictive credit characteristics

available to choose from TransUnion Equity Search

TransUnion is in the process of developing a product that will provide information specific to the amount of equity a debtor has accumulated.

This value is calculated using figures reported by a debtor’s mortgage company directly to TransUnion.

Skip Trace Flow

Client Website

Greentree website offers clients secure 24-hour real-time access to the status of your accounts.

The ability to read in-depth collector notes

View payment history and reconcile your accounts with our figures

Submit accounts on-lineSubmit address changes or

notes on a account

Client TestimonialsHey there, I just want to say you are one of the best companies I have worked with b/c you are not scared to call and ask us questions.  You care about our customers’ needs as well.  One more thing that I like is that you are always easily accessible unlike most collections companies.  Thanks for all of your hard work and dedication to us.  Meghan Bowers/ Enterprise Rent A Car

I have been using Greentree for over 3 years now and they have always been available when needed and responsive to all inquiries.  They make it easy for my adjustors to send files over online and are prompt on sending out the payments.  We have seen great results from their services.Let me know if you need anything else. Clint HaskellSubrogation SupervisorEnterprise Rent-A-Car Company of Los Angeles

After having been in the insurance claims profession for almost 40 years, I have had many experiences with collections and subrogation companies, some good, some not so good.

I can state that your company has done an outstanding job for my property claim department.  Your reports are timely and contain the information needed to inform us of what is going on with our claims.  The efforts of your collections department are very good and much appreciated.Keith EgglandMarkel Southwest Property Claims Manager

Why Greentree?

Greentree offers competitive contingency rates with no advanced costs to our clients.

Greentree has highly efficient recovery tools such as skip trace, asset location, batch processing, automated dialers, and automatic payment methods.

Greentree can provide specialized service by suspending uninsured motorist licenses, converting torts into debts.

Greentree can provide litigation services based on assets discovered and potential of recovery.

Greentree can provide daily, weekly, and monthly reports and remittances.

Greentree can provide real time access to insured files.

Greentree can handle a large volume of files as efficiently as one file.

Pricing and Billing

A. Pricing and Billing

The proposed solution is priced as follows:

GTA will handle all accounts at the following rates:18% subrogation against another carrier25% uninsured motorist35 % second placement33% forwarded for legal

which includes the following:Reporting and managementTelecommunication and dialer costsDebt-recovery software costsAgent’s salary, taxes, and benefits

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