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Automated Payment Services Information Location Services High Impact Letter Series Coupon Book Program

Automated Payment Services Apelles is able to provide customers with multiple options for payment solutions. Apelles is able to offer the following leading edge alternatives: ACH Debit from checking, savings or money market accounts Credit Card transactions Debit Card transactions Consumer Internet solution (24x7x365) Information Location Services Apelles' information location services are state of the art, designed to locate more customers and increase profitability. Apelles partners with multiple database vendors to provide demographic and updated location information for customers. Service providers are chosen based on their particular areas of expertise. All data searches are conducted on-line in order to gain the most up to date location information, and strategies deployed include a cross functional matrix designed to ensure multiple touch points on all accounts. This approach ensures that information is gathered across all major information data bases available. High Impact Letter Series Apelles utilizes multiple approaches to drive customer contact through letters. We leverage our experience with segmented response analysis and letter effectiveness testing to customize the appropriate content, sequence, and frequency of this important customer communication. Our integrated systems allow us to provide feedback on the investment return of letter series that are implemented for client-partners to ensure we meet and exceed their objectives. Coupon Book Program This unique approach includes a coupon book with letters encouraging the customer to break the balance into multiple payments to satisfy a written-off account. This approach may also be combined with a one-time settlement offer to motivate the customer to begin the process of resolving the situation.