Mission Statement

Greentree & Associates is dedicated to serving our 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.

• Incorporated in 2001, owner of company has over 30 years of experience in the collection industry

• Based in California• Experienced & skilled in debt recovery • Primary, secondary, tertiary, quads,

and pre-charge off programs• Website:

www.greentreeandassociates.com• Hours of operation M-F 7am – 5pm pst

rotating late nights Tues and Thurs 7am- 7pm Saturdays 9am-2pm

Background

William WardallCollection Manager/Greentree & Associates• Manages portfolio, by auditing accounts, for collector performance and collection strategies.•Leads team meetings, reviews, and implements client work standards.•Manages all team leads•Manages Data Mining and Scoring of accounts.•Oversees training for FDCPA, and FCRA compliance.•Oversees skip tracing processes, including batching and manual skip work.•Maintains secure work environment, oversees desk audits and paperless work flow.•Supervisor/JP Morgan Chase

Dan Rountree• President/CEO, Greentree &

Associates, Inc.• Responsible for all aspects of business

including, Finance, Sales, Operations, IT.• Developed business plan, From startup

funding, Sales strategy, Marketing Strategy, Personnel, IT, to Finance

• Sr. Vice President, Johnson & Rountree Inc.

• Responsible for multiple center management with revenue performance of 50 million annually.

• Led highest client performance division, resulting in continuous market share increases.

• Recruited, trained and managed the most successful results-oriented management team in the company.

• Lead executive for new call center development.  Successfully opened multiple successful new centers across the North America.

• Key client relationships with Enterprise Rent A Car, Thrifty Car Rental, USA Federal Credit Union.

Management Team

Industry Experience

Collection Services Greentree’s collection staff

has experience in serving clients as a debt collection partner for over 30 years, and our experience is directly reflected in our ability to affect results. Our representatives have the specific training and experience to successfully service retail 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.

Keys to our success• Approach maintains

professional image.• Team environment

encourages accountability among collection team.

• Counseling based approach educates the debtors about their options.

• We have over 30 years experience in the collection industry, we combine proven methods, with the latest technology for a comprehensive collections approach.

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 Printing– Placement Import (Excel Module or Custom imports) and a vast library

of existing imports– Fully Integrated Dialer - IAT– Report Flexibility - Standard comprehensive and unlimited custom

Crystal reports available– Auto Draft -ACH and Credit Card via partner EPP– Document Imaging - Scan and Attach documents for reference, reprint,

fax or email– Powerful Management Tools allowing close inventory management.– Audit Features – Set Reminders and Special Time Calls– Collaborate Collection - Skip trace Departments 

Disaster Recovery & Back Up

• Disaster Recovery Plan– Greentree & 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 Information– Greentree & 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

Collection Approach

Customized Letter and Call Campaigns

Extensive Skip TracingCustomized ReportingCollection WebinarsOnline Access

• Debtors can make payments online• Clients can view accounts online• Clients can view reports online• All data is in real time

Dialing System

• Partners with IAT Communication for our automated dialing projects.

• This enables us to:– Reach more delinquent accounts within

a shorter period of time – Generate more callbacks to resolve debt– Increase recoveries per hour – Dramatically reduce cost-per-contact

through automated right party verification 12

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

Payment Methods

Greentree accepts a range of convenient payment methods (convenience fees are never passed onto the borrower) including:

• Visa® or MasterCard® credit or debit cards

• Automated Clearing House (ACH) • Personal, business or cashier's check • Money Order• MoneyGram® • Cash Payment

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Website

Borrower Website

Greentree offers debtors the convenience of secure, 24-hour access to account information via www.greentreeandassociates.com. We encourage debtors to take advantage of our online resources including:

E-mail contact with the collection manager

Make online payments using credit cards and/or checking information

Update contact information

Client Website

Greentree website offers clients and borrowers 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 debtor

AffiliationsACA International

Better Business Bureau (BBB)

California Association of Collectors (CAC)

National Association of Subrogation (NASP)

National Association of Woman Business Owners (NAWBO)

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 Haskell

Subrogation 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 Eggland

Markel Southwest

Property Claims Manager

Why Greentree?

Dedicated Client Service Department

Experienced Collectors and Management

User Friendly Web Access

Flexible Reporting Features

Outstanding Recovery Rates