1) Recommended for accounts under 180 days (no accounts accepted in Tier I beyond 365 days). 2) Customers may pay you directly and you agree to inform APR immediately. You keep 100% of money

collected. If payments are sent to APR, APR will remit your portion directly to you. If a customer contacts APR, APR may refer them to you. You have the flexibility to manage your accounts.

3) To assist in APR's ongoing customer service, you intend to submit accounts into Tier I at days of age and intend to submit an average of accounts to Tier I monthly.

Training Outline

⇒ Accounts will enter Holds days after the final Tier I contact at which time an email notification will be sent. The account will then automatically transfer into Tier II days after the account enters Holds (Mail Returns included).

1) Recommended for accounts over 180 days (Undisputed accounts under $50 will not be assigned to a collector). 2) Percentage charged of any amount collected (APR is entitled to full commissions regardless if money is paid to you

or APR). Customers are instructed to pay APR directly. APR will accept and deposit money in a trust account and send you your share on a monthly basis. If payments are sent to you directly, you agree to inform APR's Tier II Division immediately to comply with state and federal laws.

Forward Tier II checks to: American Profit Recovery, Tier II 34505 W. 12 Mile Road, Suite 333 Farmington Hills, MI 48331 3) You should no longer deal directly with the customer. Please mark your files appropriately. Refer all

communication back to APR’s Tier II Division at (844) 538-8477. 4) Tier II accounts may not be canceled. Should a unique situation arise, a request for cancellation must

be put in writing, acknowledged by a member of APR’s management, and is subject to a cancellation fee. (For Massachusetts Companies, written requests for cancellation will be honored within 30 days after such written demand and after the tender of any amounts, if any, as may be due and owing from such Company to APR).

5) APR always attempts to collect the amount assigned. Should the need arise, you authorize APR to accept % as a settlement.

1) You agree not to submit any account should the age of the account exceed the statute of limitations AND not to submit any amount (including any interest, fee, charge, or expense incidental to the principle obligation) unless such amount is expressly authorized by the agreement creating the debt and permitted by law (FDCPA Section 808, paragraph 1).

2) All payments, bankruptcy notices, disputes, and any communications on an account will be reported to APR upon receipt.

3) All proactive internal collection efforts cease upon account placement into APR and you agree to provide APR a copy of any supporting documents (invoices, statements, contracts) upon request.

4) Any communication with APR will be done in a secure fashion and any usernames/passwords must remain confidential.

I've been informed and trained on APR's policies and procedures.

Client Business Name APR Client Number

Client Print Name Title Client Signature

Customer Service: (877) 634-8900 Fax: (248) 948-1253

General (Both Tier I and Tier II)

Tier II

Transfer

Tier I

Date

APR Trainer Name