"THE BRAND NAME IN COLLECTIONS"

POSTED RATES*

• RETAIL RATES:
  25% under 1 year
  33.3% over 1 year
  50% re-assigned

• COMMERCIAL RATES:
  20% first $1,000 recovered
  15% next $1,000 recovered
  10% balance recovered over $2,000
  33.3% re-assigned

• MEDICAL RATES:
  20% under 5 months
  25% over 5 months and under 1 year
  33.3% over 1 year
  50% re-assigned

• MAILER RATES:
  Volume 1 - 100 letters per month $ 1.00 per letter
  Volume 101 - 500 letters per month $ 0.95 per letter

Rates are based upon a minimum account balance of $100. *Posted rates as at June 1st, 1999, subject to change without notice.