The tools to help you

MIND YOUR

OWN BUSINESS

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Transworld Systems Inc.– We’re in the business of profit recovery.

We lead the industry in providing businesses with better tools for recovering bad debt and accounts receivables. We’ve been proving it to our customers, including many Fortune 500 companies, since 1970. Let us prove it to you.

– Last year, we recovered $700 Million for an average of $10.00 per account.*

– Our success rate ismore than triple thatof the industryaverage.**

– Providing local impactwith over 150 officescoast to coast.

*Company average.

**Based on ACA statistics.

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Heating and Air Conditioning Services

Ambulance services

Florists

Newspapers and

Magazines

Cellular Telephone Services

Professional Athletic Teams

Printing Shops

Wholesalers & Retailers

Fuel Oil Companies

Girl Scout Councils & YMCAs

Security Alarm Companies

Veterinarians

Trade Schools

CPA’s

Private Schools

Attorneys

Auto Dealers

Some of the Industries Using GreenFlag Profit

Recovery Services:Banks and Credit Unions

Industrial Manufacturers and Distributors

Travel Agencies

Libraries

Video Stores

Hotels

Clothing Manufacturers

Pest Control

Colleges and Universities

Advertising and MarketingFirms

Convention Services

City, County & StateGovernments

Mail Order Houses

Utility Companies

Hospitals, Medical & Dental Practices

TV & Radio Stations

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What Our Clients Have in Common

• They extend credit and/or accept checks.

• They most likely have an individual or an entire department devoted to collecting past due accounts internally.

• They all use GreenFlag Profit Recovery service to minimize bad debt losses.

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What the Experts Say

– “...a long term proven record of being able to deliver twice the normal recovery rate at a fraction of the normal cost.”

» Shearson Lehman

– “Transworld gets credit for the highest recovery rate in the industry.”

» Barron’s

– “The Company has a collection rate of well over 50%. The typical collection firm gets only 20% and keeps 25% to 50% of recovered funds.”

» Fortune Magazine

– “Our Better Business Bureau has partnered with Transworld to offer our members the valuable benefit of increased cash flow through cost-effective debt collection.”

» Better Business Bureau Southern Piedmont/Charlotte

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What We Do For You

• For an average of less than $10.00 per account, we provide the impact of third party intervention.

• Minimize internal efforts, dramatically reducing our clients’ costs.

• Preserve your valued customer relationships.

• Minimize the risk of accidental violations of state and federal collection laws and/or harassment suits through the use of a hold harmless agreement.

• Provide complete monthly reporting on all accounts.

“Girl Scouts of San Jacinto Council is the second largest council in the U.S. Our major fundraiser is selling cookies. We use these funds for scout programs such as day camps and troop activities. For over 12 years, Transworld Systems has provided a diplomatic assistance, gently reminding people to send in their payments. Thank you, Transworld, for helping us keep our programs running.”

-Amy Thibodeaux, VP Finance, Houston, TX

Girls Scouts San Jacinto Council

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Conventional Collection Approach

Day 30 Day 60 Day 90 Day 120 Day 150Statement Statement Statement

Letter #1Phone Calls

StatementLetter #2Phone Calls

StatementLetter #3Phone Calls

*According to the Dartnell Institute, the average cost of working anaccount internally over a six month period is $31.60 per account.

Day 180

Intensive Telephone Contact and/or Legal Action at a cost of 25-50%of recovered amounts.

Typical In-House Collection Efforts

Conventional Contingency Collection Agency or Attorney

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GreenFlag Three Phase Service

Phase 1 - Written Demands

We contact your debtors every 10-14 days, at your direction, intensity increasing with each demand. You control the entire process. You choose the approach: diplomatic or firm. All recovered money is paid directly to you. You gain the added benefit of third party intervention.

Day 0-60

Day 60-75

Day 90 Day 105 Day 120 Day 135

Internal efforts

GreenFlag First Demand - Courtesy Notice

Second Demand

Third Demand

Fourth Demand

Fifth and Final Demand

Special Feature: When the account is paid in full, a courtesy Thank You letter can be sent on your behalf at no charge to you.

Phase 2 - Verbal Demands Phase 3 - Legal Options

Turns up the heat on overdue accounts Brings direct communication to bear on those that owe you money.

Value added assistance in tough legal cases.

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Start Early -Recover More

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National Statistics Prove It

– According to the ACA International, the average collection agency collects less than 14% of all debts assigned at an average cost of 33% per dollar collected.

– Our clients experience a 56% recovery rate at about a cost of approximately 7 cents per dollar collected.

TSI Collected 56%

(company average)

TSI Cost:

7¢ per dollar collected

(company average)

Average Agency

Collected 14%

(ACA Average)

Average Agency Cost:

33%

(ACA Average)

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Convenience Counts• GreenFlag offers you three

ways totransmit or stop accounts:– Interactive Web Site

• Qualified clients cansubmit accounts viaour web site at www.transworldsystems.com

– Account Management Software

• Transmit accountsusing our windows-based recovery management software

– Transmittal forms • Transmit accounts

via mail

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Getting Better Results• We recover more

because we start earlier.– We recover more than traditional

agencies because:• We work ALL of the accounts the same

way, regardless of the size or the balance.

• Most percentage-based agencies work only the accounts with higher balances that are the most cost effective for them, leaving the smaller balances uncollected.

• Our fixed fee, diplomatic service allows you to have us get started early in the process with the increased impact of third party intervention.

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Client Options Flow

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Verbal Demands• When intensive recovery

efforts are required• GreenFlag Verbal Demands employs a

team of highly trained recovery specialists operating from nationwide call centers.– Verbal Demands Phase:

• Turns up the heat on overdue accounts• You pay only for what is recovered• Offers legal recourse for tough cases• Handles the types of accounts other agencies

ignore as un-collectable.

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Legal Options• Making the difference in the

toughest cases:• GreenFlag Legal Options can make a

difference where court action is warranted, and there are assets that can be recovered. – Legal Options Phase:

• Cause suit to be filed• Pay all court costs• Pay attorney fees, service or process fees• Pay any other fees necessary to satisfy a

judgement• An attorney will appear in court on your behalf.

– Most Importantly:

• If no money or assets are collected,there is no charge.