MissionMissionOur firm is dedicated to being the Our firm is dedicated to being the premiere national collection legal network premiere national collection legal network and agency in the country specializing in and agency in the country specializing in commercial and consumer claims with the commercial and consumer claims with the highest integrity and ethical standards. highest integrity and ethical standards. Our mission is to achieve the greatest Our mission is to achieve the greatest collection ratios in the industry, with collection ratios in the industry, with ongoing commitment and innovative ongoing commitment and innovative solutions to maximize recoveries.solutions to maximize recoveries.

Our VisionTo be the finest partner providing “Best in Class”

service in accounts receivable management.

R&B Collections, Inc.R&B Collections, Inc.

Ross Gelfand, Principle AttorneyRoss Gelfand, Principle Attorney The University of North Carolina, Chapel Hill B.S.B.A. 1977The University of North Carolina, Chapel Hill B.S.B.A. 1977 Emory University Juris Doctorate 1981, M.B.A 1981Emory University Juris Doctorate 1981, M.B.A 1981

Corporation founded in 1984 and we have 25 years of Corporation founded in 1984 and we have 25 years of experience representing auto lenders such as GMAC, experience representing auto lenders such as GMAC, Chrysler, Toyota and HondaChrysler, Toyota and Honda

Extensive experienced personnel working auto deficiency Extensive experienced personnel working auto deficiency claims, installment loans and wireless receivablesclaims, installment loans and wireless receivables

Specializing in legal networking and legal collectionsSpecializing in legal networking and legal collections Licensed to collect in all 50 states that require an Licensed to collect in all 50 states that require an

attorney to be licensed as an agencyattorney to be licensed as an agency

OverviewOverview

We are full-service nationwide collection agency We are full-service nationwide collection agency with a top-gun national legal networkwith a top-gun national legal network 25 year successful track in the industry 25 year successful track in the industry Representing nationally recognized Fortune Representing nationally recognized Fortune

500 and 1000 automobile finance companies 500 and 1000 automobile finance companies Successful StrategySuccessful Strategy

Management styleManagement style Latest Web-Based technology offering clients Latest Web-Based technology offering clients

24/7 access to database24/7 access to database Technology that enables us to collect more Technology that enables us to collect more

money faster than most stand alone agenciesmoney faster than most stand alone agencies Superior Legal Collection Service and Network.Superior Legal Collection Service and Network.

Auto Deficiency and Lease-End Auto Deficiency and Lease-End Maturity ExperienceMaturity Experience

Number 1 National Agency & Legal Network for Following Clients:Number 1 National Agency & Legal Network for Following Clients: American Honda Finance Company American Honda Finance Company

10 years beating all competitors on prime agency challenge10 years beating all competitors on prime agency challenge Highest liquidation rates of all agenciesHighest liquidation rates of all agencies

30 day liquidation average 1%30 day liquidation average 1% 6 month liquidation average 4%6 month liquidation average 4% 12 month liquidation average 7%12 month liquidation average 7%

Toyota Motor Credit corporationToyota Motor Credit corporationHandling over $5,000,000 of quad placements averaging ½% liquidation a Handling over $5,000,000 of quad placements averaging ½% liquidation a

month in first 3 monthsmonth in first 3 months

SynovusSynovus 10 year history on credit card paper10 year history on credit card paper Over $10,000,000 placed in 2010Over $10,000,000 placed in 2010 High Collection RatiosHigh Collection Ratios Legal approach results in a 20% collection ratio after 18 monthsLegal approach results in a 20% collection ratio after 18 months

PersonnelPersonnel

Collections ManagerCollections Manager 20 years experience20 years experience

Ratio of 5 collectors per Unit ManagersRatio of 5 collectors per Unit Managers 250-300 Files per Collector250-300 Files per Collector Collectors paid on a salary plus incentive basisCollectors paid on a salary plus incentive basis Daily goals set by ManagersDaily goals set by Managers

Goals must be achieved for group bonusesGoals must be achieved for group bonuses All Collectors for your Company would be Cradle All Collectors for your Company would be Cradle

to Grave and to Grave and EXCLUSIVE EXCLUSIVE as well as paralegals as well as paralegals and Complianceand Compliance

Collection Legal Network via the Collection Legal Network via the ROSS NETWORKROSS NETWORK

Experienced Collection Attorneys Coast to Coast.Experienced Collection Attorneys Coast to Coast. Knowledgeable in Legal collection arena both commercial and consumerKnowledgeable in Legal collection arena both commercial and consumer Lease maturity collection issuesLease maturity collection issues

Network Attorneys bonded and insured for 5,000,000Network Attorneys bonded and insured for 5,000,000 Attorneys interfaceAttorneys interface

Secure FTP siteSecure FTP site Data-mine your Legal Claims and StatusData-mine your Legal Claims and Status

Attorneys monitored and audited daily by our Compliance Attorneys monitored and audited daily by our Compliance DepartmentDepartment Ensure they are proceeding to suit and judgment in a timely mannerEnsure they are proceeding to suit and judgment in a timely manner

We advance all court costsWe advance all court costs See attached YGC chartSee attached YGC chart

Collection Legal Network via the Collection Legal Network via the ROSS NETWORKROSS NETWORK

TechnologyTechnology

CLSCLS An Advanced Collections and Legal Management An Advanced Collections and Legal Management

Software.Software. Touchstar DialerTouchstar Dialer

Dialer ManagerDialer Manager 16 Man Seat16 Man Seat Interfaces with CLSInterfaces with CLS

4 T-1’s4 T-1’s Monitoring EquipmentMonitoring Equipment Recorders on Every DeskRecorders on Every Desk Live Vox outside dialer system for direct party contactLive Vox outside dialer system for direct party contact YGC and Scorenet to access our legal network to monitor YGC and Scorenet to access our legal network to monitor

compliance and data mine claimscompliance and data mine claims

Client Preservation of DateClient Preservation of Date

Disaster Risk AnalysisDisaster Risk Analysis Tolerance AnalysisTolerance Analysis Preservation of Confidential InformationPreservation of Confidential Information Team Roles and ResponsibilitiesTeam Roles and Responsibilities

FeesFees

Our fees are reasonable and based upon Our fees are reasonable and based upon the volume placed as well as the stage of the volume placed as well as the stage of placement.placement.

We strive to be competitive on price but at We strive to be competitive on price but at the same time giving our clients the finest the same time giving our clients the finest that a legal collection agency has to offer.that a legal collection agency has to offer.

Organizational ChartOrganizational ChartR o ss

Ge lf a ndCEO

Vinc e R h ode sCompliance

Manager

R ich a r d P la ch taO pe r a t io ns Ma na g e r

Cr a ig C lo mo nCollection Manager

Honda, ChryslerLegal Coll

Citibank, MiscCommercial

Ernst BeniotLisa Davis

Unit Managers

HondaFTE-4

Compliance Team

Sonia Jones Kim Briggs

Devona Walker

Lezette Thompson

BookkeepingFTE - 4

Jean JeudyUnit Manager

Elizabeth JohnsonMarketing Director

Je r o me Ea r ne s tCollection Manager

NAN-Cap OneOSI

Branda GraysIris Thorton

Unit Managers

NAN- Cap One

FTE-8

Citibank/Misc.FTE- 3

Shelly RhodesUnit Manager

Misc. RetailFTE-6

Commercial ClientsFTE-3

Skip Trace Unit

FTE-5

ChryslerFTE -2

Legal CollFTE- 7

Roslyn FreemanUnit Manager

OSI Legal 542(GEL)FTE-6

OSI 2022(GEL 2)FTE-4

Sherrena BryantUnit Manager

ParalegalsFTE - 7

Legal AssistFTE – 8

File ClerksFTE - 2

Cindy JohnsonUnit Manager

Varonia WilsonHR AssistantTRAINING