• All claims are unique and may not follow this same pattern.

• Time periods are purposefully omitted because of the uniqueness of each claim.

• Not included in this list is the fact that at any point in the collection process, the   debtor may pay or otherwise satisfy the debt.

• We can accommodate special handling requests.

• We provide timely updates on claims, as there are developments to report.

• Regarding payment, when the client receives payment directly, the client notifies   us immediately and we send them an invoice for our commission. When we receive   payment, we remit to the client within 7 business days of the funds clearing our   bank.

• All claims are handled in accordance with the Fair Debt Collection Practices Act.

• Account is placed with MSB.

• Client sends information on the debt including any supporting documentation.

• Claim is reviewed and the data is entered into our debt collection software.

• Collection letter is sent to debtor via fax, mail and/or e-mail.

• Phone contacts begin.

• We attempt to arrange payment, resolve any disputes and obtain clear   commitments for debt resolution.

• Once we obtain payment commitment, MSB works to ensure the payment(s) are   fulfilled.

• If debtor fails to cooperate in resolving the debt, we make final pre-legal   collection attempts.

• We send our update and recommendations to the Client, including details on   forwarding claim to our attorney.

• The Client authorizes forwarding the claim and we send it to our collection   attorneys that are located near the debtor. We instruct them to work and   investigate the claim for 60 days. If the Client decides not to authorize forwarding   the claim, it is worked an additional 60 days then the file is closed.

• Attorney sends update and recommendations. If they recommend initiating legal   action they will provide us with their suit requirements.

• When we receive the suit requirements from the Client, the lawsuit is prepared   and filed. When we do not receive suit requirements or when the Client is   unwilling to litigate, the attorneys will work on the claim for another 60 days then   close it.

• The complaint is served.

• Attorney files for default judgment if no answer is filed by the debtor. If an   answer is filed the discovery process begins and a trial date is later set.

• If a judgment is awarded in our favor, attorneys file for a Writ of Attachment.

• Attorneys attempt to locate and verify debtor assets.

• Attorneys initiate bank levies, garnishment orders, liens, etc. to satisfy the   judgment.