IBS Users Conference 2010

1. IBS Users Conference 2010 LexisNexis Integration & Overview

2. Agenda • Why are these people here? • What have they done to my CARM-Pro system? • Integration & Data available • Bankruptcy Services • Scrubs, Monitoring, Updates • Additional Events • Scoring • Contact & Locate Data • Waterfall phone • Single Best Address • Why is this important to me? • Collections Use Case Sample • Who is LexisNexis & why did IBS pick them? • Data Aggregation • How do I get out of here? • Next Steps • Q&A

3. CARM-Pro & LexisNexis • LexisNexis Batch combined with CARM-Pro provides a service that gives you the ability to create custom, fully integrated skip tracing solutions that meet your collection needs for: • Locating individuals, • Finding Assets and, • Staying in compliance with mandated regulations. • Services Available through the Integration • Scoring • Compliance • Contact & Locate Data • Additional Services

4. How do you request services? • On-Demand • Request one to as many services as you would like. • Batch • Through CARM Rules • i.e. All accounts with no phone #, Balance > $1000, Days Past Due > 90 (Scrub A) • Process • Requests are pooled into a single file. • Files are exchanged on a nightly basis. • New Requests • Results of previous requests

5. Compliance • Bankruptcy • Which accounts are bankrupt? • How will you segment/treat these account? • How to make sure you are staying within legal guidelines of bankruptcy collections? Information returned includes: Separate File: • Basic Banko Feed: • Case Number, Chapter Code, Filing Date, Status Date, Reinstated Date, Closed Date, Bankruptcy Disposition, Match Code. • Enhanced Banko batch: • Basic Feed plus: • City, State and County filed; ECOA; Law Firm and Attorney information; Trustee and Court information; Bar Dates; Voluntary/Involuntary Dismissal, Funds and finally the Reinstated and Closed Case dates. • Additional Bankruptcy Events: • 540 Additional Events. These events happen during different phases of the bankruptcy case and can help contain costs, better manage bankruptcy processing and reduce risk exposure.

6. Compliance (con’t) • Deceased • How will you segment and treat accounts associated with deceased consumers? • Information returned includes: • Date Reported, • Date of Birth, • Date of Death, • Possible Government Benefits, • Possible Death Benefits. We can also monitor and subsequently notify you of any changes and updates to the bankruptcy and deceased accounts.

7. Scoring Options • RecoverScore • RecoverScore is non-FCRA score that analyzes multiple layers of information. • Derived from public record data such as property records, court records and demographic data • Derived from our proprietary data to look for indications of stability or contactability. • Custom Scores • LexisNexis can build custom scores based upon: • Contactability • Litigation • Estate Potential • And Many More….

8. Contact & Locate Data • Address Only or Address/Phone Service: • This batch process allows LexisNexis to customize a process for any of your address, phone or address/phone needs. • Phone Service: • Optimized Waterfall Phone service • Returns 3 of the best phones technology +data + analytics can provide. • Other choices for phones available such as: • Directory Assistance, • Reverse Directory Assistance • Phones Plus - an alternative phone source from LexisNexis that has over 100 million cell phones, can all be accessed as individual phone searches. • Deduplication: • Clients can elect to have 1 address and up to 5 phones presented in the incoming data and LexisNexis will guarantee that none of the matches returned will be the same as the submitted information. We provide optimized results for your phone and address processes, constantly striving to increase the number of Right Party Contacts we return so you can quickly see a return on your investment.

9. Additional Services Property: Clients can request property information for the account. Property Assessment, Property Deed and Mortgage information are available for processing. Previous, current or both types of property can be returned. Additional services: • People at Work • Relative, Neighbor and Associate information • Motor Vehicle • Judgment and Liens • Litigious Debtor

10. Sample Collection Workflow - 2 Letter IBS Collections & Recovery System Collections Strategy & Workflow Phone Call • Specialized Processing • Bankruptcy Filings • Bankruptcy Updates & Monitoring • Deceased Flag • Litigious Debtor • RecoverScore • Process #1 • Dedupe existing phone #’s (up to 5) • Provide next best 3 phone #’s • - Best Address • Process #2 • Dedupe existing phone #’s • 3 Best Phones • Relatives, Neighbors search down to level 2. • Process #3 • Dedupe existing phone #’s • Judgment & Lien information • Property information • - Associates information • People at work Results Agency LexisNexis Waterfall Process Specialized Processing Bankruptcy Deceased Litigious Debtor Property Judgments Liens Scrub A Scrub B Scrub C

11. Example of Recovery Strategy Collection Action Waterfall Phones High Score Best Address No information Compliance Segment & Evaluate Move to automated workflow Scoring Distribution BK/Dec scrub Relative, Neighbor , Associate phones Low Score Flags, Property, J&L Agency or Legal

12. LexisNexisLinking Data Utility Phones Concealed Weapons DOB Credit Header Hunt/Fish Unbanked Marriage Student Higher RPC’s Neighbors Relatives Associates People at Work Cell Phones Property Deeds CDV’s SSN’s/FEIN’s Emails • Technology and engineering domain expertise drive competitive advantages • We do things others cannot Data Fabrication Accidents Domain Expertise Mortgages Death Records Property Court Records HPCC SOS/UCC QA/QC Sanctions Bankruptcy Criminal Liens & Judgments White Pages Update Cycles History Yellow Pages Voter Registration Linking IP Geo-location Professional Licenses Consumer Marketing Department of Corrections MVR’s Credit Reports Drivers License Vehicle Registration

13. Why LexisNexis? • Why is this important? • More sources/data then any competitor. • More data per unique individual. • Superior technology to link separate pieces of data to a single unique individual. • Our primary business focus is data. • Acquisition • Cleansing • Aggregation • Our data provides a more accurate and complete picture of your customers than anyone.

14. CARM-Pro Information • Available in Version 4.0 • Available TODAY!!! • $500 Configuration Fee • Reduced to $250 for those clients signing up in the next 90 days.

15. Next Steps • Bankruptcy • Get your portfolio scrubbed. Make sure you are in compliance. • Setup monitoring & notification • Collections Best Practices • Attend the IBS-LexisNexis webinar • May 20, 2010 – 1:30PM • Sign up at: • https://lexisnexiscenters.webex.com/lexisnexiscenters/onstage/g.php?d=591623857&t=a

16. How do I get out of here? • Q & A • Offer - Up to 1000 accounts for free • Contact Information • Bill Wells • Bill.Wells@LexisNexis.com • 678.694.3597 • Patti McLaughlin • Patti.McLaughlin@LexisNexis.com • 952.492-5543 • Audrey Ferdinand • Audrey.Ferdinand@LexisNexis.com • 954.435.8739

17. Appendix

18. Overview of Offering • LexisNexis Batch service is a process provides customers the ability to create custom, fully integrated skip tracing solutions that meet a client’s need for locating individuals, finding assets and staying in compliance with mandated regulations. • Available processes include: • Address and Phone solutions with the ability to filter one address and up to 5 phones from the answer set received. • Scoring Services • Bankruptcy & Deceased • Relatives, Neighbors and Associates • Property • Motor Vehicle • People at Work • Judgment and Liens All can be accessed on an individual basis or through a custom waterfall solution that combines different processes based on strategies you determine. Account monitoring is available today for Addresses, Phones, Bankruptcy and Deceased , Property and People at Work services.

19. LexisNexisMarket Leading Content: • Total sources including Flagship > 35 Thousand   Total Suppliers ~ 1.1 Thousand • Total RIAG sources > 10 Thousand   Average files processed monthly ~ 1 Thousand