Interactive Voice Messaging (IVM)

NCO's flexible IVM platform can support a wide variety of services.

NCO's interactive voice messaging (IVM) platform can support any stage of the customer lifecycle. We can help financial institutions reinforce their brand, build customer satisfaction, and strengthen customer loyalty. Some examples of the call types we can support include

• Customer acquisition calls
• Outbound calls for new services (up-sell and cross-sell)
• Outbound welcome calls
• Customer retention calls
• Customer winback programs
• Customer surveys
• Automated collection calls

Text Messaging Services

Text messaging is everywhere, and NCO's Text Messaging Solutions is a creative way to quickly communicate with your customers.

Cellphone users in the United States will send an estimated 600.5 billion text messages in 2008. NCO's Text Messaging Services are a cost-effective way for financial institutions to communicate with their customers. Our text messaging campaigns are easy to set up and are free for end users to receive. Using text messaging, we can help financial institutions communicate with large groups of people simultaneously, relaying a wide variety of information, including:

• Collection notices
• Information about new services
• Confirmation numbers and other important information

NCO's Text Messaging Services can also be used in conjunction with our interactive voice messaging services for a multi-channel campaign, and we can also add agent support for two-way communication with customers.

Analytic Services

We can predict which of your customers will defect or grow months before they do.

NCO Analytic Services uses its proprietary pattern recognition technologies to predict which of your customers will defect or grow months before they do. As a result we create "hot lists" to facilitate integrated customer management outreach programs. Similarly, for customer acquisition programs, we use our predictive technologies to laser target those prospects with the highest propensity to buy. In doing so, we deliver unparalleled sales per hour rates.

Beyond making predictions of behavior, our systems will also provide key marketing intelligence so that we can deliver the right offer to the right customer at the right time with a relevant positioning. Our predictive technologies, coupled with our ability to professionally design and execute both outbound and in-bound campaigns, are yet further evidence of NCO's position as an innovative outsource partner.

Skip-to-Locate Services

When customers fall behind in their auto payments, NCO's Skip-to-Locate Services help auto finance companies locate vehicles. We understand that vehicles depreciate every day, so we move fast to locate your vehicle.

NCO's Skip-to-Locate services help auto finance companies locate vehicles during any stage of delinquency, pre- or post-charge off.

Our dedicated team of specialized auto skip trace associates uses our proprietary skip tracing strategy to obtain and verify the location of the client's collateral. Once we locate the vehicle, NCO can forward the account and location information to your approved repossession company. We also have a partnership with a national repossession vendor who can provide repossession services if needed. NCO does not demand payment and does not attempt to locate the debtor.

Fraud Prevention

NCO helps credit card companies prevent fraudulent transactions.

NCO provides fraud prevention services for several credit card companies. Credit card companies flag certain transactions as potentially suspicious - such as purchasing several expensive items at multiple stores. In these situations, NCO makes outbound calls to verify the transaction. We also make outbound calls to verify credit card application data.