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Sales Brochure 031208

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Debt Resolve is an online debt collection company that allows customers to resolve delinquent accounts through their system without live collectors. Their system connects customers online, allows them to resolve debts through self-cure or negotiation offers, and collects payments directly. The system works across all stages of delinquency in any language. It provides significant cost savings through automating the collection process and securing additional payments online from debtors that could not be reached otherwise.

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DEBTRESOLVE HOW IT WORKS TECHNOLOGY AND SECURITY OUR COMPANY THE COMPANY Bring more to your bottom line by harnessing the power of our internet system. Debt Resolve introduces your customers to the lowest-cost channel for resolving their delinquent accounts. With the DebtResolve system, your customers have Works at every the opportunity to self-cure, negotiate with you, or nalize payment arrangements. stage of delinquency. This happens online, 24/7/365, in any language, and without using your valuable collections resources. You will realize signi cant cost savings, collect more, and OVERDUE ACCOUNTS: 30, 60, 90 days reach customers you haven't been able to contact. Put the DebtResolve system to work for you by: LATE-STAGE COLLECTIONS: 120, 150 days Moving your customers online at every stage of collections. POST CHARGE-OFFS: 180+ days Collecting more dollars at a lower cost. Receiving settlements above your parameters, using our patented bidding system. Cutting your legal exposure through pre-approved language. Integrating seamlessly with your current technology. The system works in any language, and any currency. Connect. Resolve. Collect. Contact your delinquent customers Use our online resolution and Allow your customers to pay online by email, letter or phone. They patented bidding process to handle through the DebtResolve system update their own personal thousands of negotiations immediately. Funds are deposited information, and we capture their simultaneously, without involving a directly into your account. email addresses for you. live collector. Contact Us: John Grimm Debt Resolve, Inc. (AMEX: DRV) Vice President of Sales 707 Westchester Avenue, Suite L-7 phone 914.949.5500 White Plains New York 10604 email info@debtresolve.com website www.debtresolve.com Copyright Debt Resolve, Inc. 2008
DEBTRESOLVE HOW IT WORKS TECHNOLOGY AND SECURITY OUR COMPANY HOW IT WORKS Your Brand - VISA The DebtResolve system is exible and easy to implement. 1 Your customer logs into a website branded in your name, with a personal invitation code. 1 Connect. At your invitation, your delinquent customer logs into a website branded in your name and con rms Your Brand - VISA contact information. 2 Resolve. A series of simple-to-use screens is presented to the debtor. 2 The customer chooses For early-stage delinquencies, DR Prevent o ers a from the payment quick and convenient way for options made available to them, or makes an customers to self-cure online. offer for settlement or payments. For late-stage and charged-o accounts, DR Settle features a patented bidding process. The debtor gets three chances to submit an o er and Your Brand - VISA settle the account. Based on your strategies, the o ers Your Bank - VISA are compared to treatments you have set right from your desktop. 3 Collect. When the debtor makes a successful resolution payment, its collected using your electronic payment gateways, and deposited directly into your account. In the event an agreement is not reached online, you 3 Payment is collected can queue up accounts for e cient follow-up using online and deposited the new customer contact information you have directly into your account. received online. Copyright Debt Resolve, Inc. 2008 www.debtresolve.com
DEBTRESOLVE HOW IT WORKS TECHNOLOGY AND SECURITY OUR COMPANY TECHNOLOGY AND SECURITY Our technology makes it easy for you. THE DEBTRESOLVE SYSTEM MODULES Our ASP architecture is built for exibility and scalability. You have the option to control every aspect of the DR Prevent websites functionality. Your branded website and the operating engine are hosted on our secure computers. For early-stage collections, Debt Resolve can help you collect overdue payments, make payment arrangements and manage account self-cures all online. Implementing the DebtResolve system is fast and easy. Simply send us a data feed of accounts in any le format. Theres no investment in hardware, and the implementation makes DR Settle On late-stage collections and charged-o accounts, DR Settle minimal demands on your IT resources. The DebtResolve system utilizes and preserves incorporates several treatments including a dispute resolution engine your investment in your current scoring or portfolio management products, and if you that allows your customers to make o ers. These o ers require advanced or real-time integration, Debt Resolve can work for you. are determined using your business rules and scoring models, leading to immediate settlements. DR Pay DR Pay captures customer payments online using your electronic Data Security payment gateways. DR Pay is tailored to any payment methods you accept. Funds go directly into your bank account. The security of the system, and your data, are as important to us as they are to you. All applications are hosted in an SAS-70 quali ed facility. DR Mail Customers are invited, using a non-speci c email, to return to your Sensitive data communicated with your customers is encrypted using SSL. website to receive reminders and other messages from you, displacing All sensitive data stored on our hosted servers is encrypted using the strongest industry-accepted procedures. the collector reminder call. DR Mail can be used for outbound email campaigns to replace the cost of a dunning letter where appropriate. Most importantly, as a client, you are invited to review our security procedures or audit our premises at any time. DR Control The DR Control module is the administrative portal providing real time access to your business rules, strategies, reports, and results - right from your desktop. Contact Us: John Grimm Debt Resolve, Inc. (AMEX: DRV) Vice President of Sales 707 Westchester Avenue, Suite L-7 phone 914.949.5500 White Plains New York 10604 email info@debtresolve.com website www.debtresolve.com Copyright Debt Resolve, Inc. 2008 www.debtresolve.com
DEBTRESOLVE HOW IT WORKS TECHNOLOGY AND SECURITY OUR COMPANY OUR COMPANY Debt Resolve is an ASP-based service company that lowers your costs to collect by enabling the collection and settlement of consumer debt using the Internet. Debt Resolve provides clients with a user-friendly, self-service, online collection solution that will signi cantly reduce costs to collect receivables. We o er this service as an Application Service Provider (ASP). Through our light data-integration, we enable clients to introduce this collection option without any signi cant modi cations to their existing computer systems. Connect. Debt Resolves approach is highlighted by the use of the internet as a tool for communication, self-curing, negotiation, settlement, and payment. Debt Resolve works across all stages of the collection process, in any language. Specialized online treatments include a blind bidding system that allows private and secure debt settlement through a patented anonymous Resolve. bidding process, enabling debtors and creditors to negotiate an amount acceptable to both sides. Debt Resolve provides clients the opportunity to use our solutions to lower their current cost to collect and to nd those Collect . debtors who have resisted other channels. At the client's branded website, the customers/debtors are presented options for payment or given the opportunity to make their own o ers for settlement. All self-curing and collections activity is accom- plished without the need for sta ed collectors. Debt Resolve is headquartered in White Plains, New York. We invite you to contact any of our management team to learn more about how Debt Resolve can help you collect delinquent debt. James D. Burchetta Contact Us: Chairman and Founder John Grimm jburchetta@debtresolve.com Vice President of Sales phone 914.949.5500 Kenneth H. Montgomery email info@debtresolve.com Chief Executive O cer website www.debtresolve.com khmontgomery@debtresolve.com Debt Resolve, Inc. (AMEX: DRV) Sandra Lee Styer 707 Westchester Avenue, Suite L-7 Senior Vice President and Director, Client Services White Plains New York 10604 sstyer@debtresolve.com Copyright Debt Resolve, Inc. www.debtresolve.com

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Sales Brochure 031208

  • 1. DEBTRESOLVE HOW IT WORKS TECHNOLOGY AND SECURITY OUR COMPANY THE COMPANY Bring more to your bottom line by harnessing the power of our internet system. Debt Resolve introduces your customers to the lowest-cost channel for resolving their delinquent accounts. With the DebtResolve system, your customers have Works at every the opportunity to self-cure, negotiate with you, or nalize payment arrangements. stage of delinquency. This happens online, 24/7/365, in any language, and without using your valuable collections resources. You will realize signi cant cost savings, collect more, and OVERDUE ACCOUNTS: 30, 60, 90 days reach customers you haven't been able to contact. Put the DebtResolve system to work for you by: LATE-STAGE COLLECTIONS: 120, 150 days Moving your customers online at every stage of collections. POST CHARGE-OFFS: 180+ days Collecting more dollars at a lower cost. Receiving settlements above your parameters, using our patented bidding system. Cutting your legal exposure through pre-approved language. Integrating seamlessly with your current technology. The system works in any language, and any currency. Connect. Resolve. Collect. Contact your delinquent customers Use our online resolution and Allow your customers to pay online by email, letter or phone. They patented bidding process to handle through the DebtResolve system update their own personal thousands of negotiations immediately. Funds are deposited information, and we capture their simultaneously, without involving a directly into your account. email addresses for you. live collector. Contact Us: John Grimm Debt Resolve, Inc. (AMEX: DRV) Vice President of Sales 707 Westchester Avenue, Suite L-7 phone 914.949.5500 White Plains New York 10604 email info@debtresolve.com website www.debtresolve.com Copyright Debt Resolve, Inc. 2008
  • 2. DEBTRESOLVE HOW IT WORKS TECHNOLOGY AND SECURITY OUR COMPANY HOW IT WORKS Your Brand - VISA The DebtResolve system is exible and easy to implement. 1 Your customer logs into a website branded in your name, with a personal invitation code. 1 Connect. At your invitation, your delinquent customer logs into a website branded in your name and con rms Your Brand - VISA contact information. 2 Resolve. A series of simple-to-use screens is presented to the debtor. 2 The customer chooses For early-stage delinquencies, DR Prevent o ers a from the payment quick and convenient way for options made available to them, or makes an customers to self-cure online. offer for settlement or payments. For late-stage and charged-o accounts, DR Settle features a patented bidding process. The debtor gets three chances to submit an o er and Your Brand - VISA settle the account. Based on your strategies, the o ers Your Bank - VISA are compared to treatments you have set right from your desktop. 3 Collect. When the debtor makes a successful resolution payment, its collected using your electronic payment gateways, and deposited directly into your account. In the event an agreement is not reached online, you 3 Payment is collected can queue up accounts for e cient follow-up using online and deposited the new customer contact information you have directly into your account. received online. Copyright Debt Resolve, Inc. 2008 www.debtresolve.com
  • 3. DEBTRESOLVE HOW IT WORKS TECHNOLOGY AND SECURITY OUR COMPANY TECHNOLOGY AND SECURITY Our technology makes it easy for you. THE DEBTRESOLVE SYSTEM MODULES Our ASP architecture is built for exibility and scalability. You have the option to control every aspect of the DR Prevent websites functionality. Your branded website and the operating engine are hosted on our secure computers. For early-stage collections, Debt Resolve can help you collect overdue payments, make payment arrangements and manage account self-cures all online. Implementing the DebtResolve system is fast and easy. Simply send us a data feed of accounts in any le format. Theres no investment in hardware, and the implementation makes DR Settle On late-stage collections and charged-o accounts, DR Settle minimal demands on your IT resources. The DebtResolve system utilizes and preserves incorporates several treatments including a dispute resolution engine your investment in your current scoring or portfolio management products, and if you that allows your customers to make o ers. These o ers require advanced or real-time integration, Debt Resolve can work for you. are determined using your business rules and scoring models, leading to immediate settlements. DR Pay DR Pay captures customer payments online using your electronic Data Security payment gateways. DR Pay is tailored to any payment methods you accept. Funds go directly into your bank account. The security of the system, and your data, are as important to us as they are to you. All applications are hosted in an SAS-70 quali ed facility. DR Mail Customers are invited, using a non-speci c email, to return to your Sensitive data communicated with your customers is encrypted using SSL. website to receive reminders and other messages from you, displacing All sensitive data stored on our hosted servers is encrypted using the strongest industry-accepted procedures. the collector reminder call. DR Mail can be used for outbound email campaigns to replace the cost of a dunning letter where appropriate. Most importantly, as a client, you are invited to review our security procedures or audit our premises at any time. DR Control The DR Control module is the administrative portal providing real time access to your business rules, strategies, reports, and results - right from your desktop. Contact Us: John Grimm Debt Resolve, Inc. (AMEX: DRV) Vice President of Sales 707 Westchester Avenue, Suite L-7 phone 914.949.5500 White Plains New York 10604 email info@debtresolve.com website www.debtresolve.com Copyright Debt Resolve, Inc. 2008 www.debtresolve.com
  • 4. DEBTRESOLVE HOW IT WORKS TECHNOLOGY AND SECURITY OUR COMPANY OUR COMPANY Debt Resolve is an ASP-based service company that lowers your costs to collect by enabling the collection and settlement of consumer debt using the Internet. Debt Resolve provides clients with a user-friendly, self-service, online collection solution that will signi cantly reduce costs to collect receivables. We o er this service as an Application Service Provider (ASP). Through our light data-integration, we enable clients to introduce this collection option without any signi cant modi cations to their existing computer systems. Connect. Debt Resolves approach is highlighted by the use of the internet as a tool for communication, self-curing, negotiation, settlement, and payment. Debt Resolve works across all stages of the collection process, in any language. Specialized online treatments include a blind bidding system that allows private and secure debt settlement through a patented anonymous Resolve. bidding process, enabling debtors and creditors to negotiate an amount acceptable to both sides. Debt Resolve provides clients the opportunity to use our solutions to lower their current cost to collect and to nd those Collect . debtors who have resisted other channels. At the client's branded website, the customers/debtors are presented options for payment or given the opportunity to make their own o ers for settlement. All self-curing and collections activity is accom- plished without the need for sta ed collectors. Debt Resolve is headquartered in White Plains, New York. We invite you to contact any of our management team to learn more about how Debt Resolve can help you collect delinquent debt. James D. Burchetta Contact Us: Chairman and Founder John Grimm jburchetta@debtresolve.com Vice President of Sales phone 914.949.5500 Kenneth H. Montgomery email info@debtresolve.com Chief Executive O cer website www.debtresolve.com khmontgomery@debtresolve.com Debt Resolve, Inc. (AMEX: DRV) Sandra Lee Styer 707 Westchester Avenue, Suite L-7 Senior Vice President and Director, Client Services White Plains New York 10604 sstyer@debtresolve.com Copyright Debt Resolve, Inc. www.debtresolve.com