Although companies understand the importance of contacting customers early in the delinquency cycle, some do not have the resources necessary to sustain consistent and cost-effective outbound telephone campaigns. NCO provides a customized, customer service approach to contact customers and remind them of their obligation to pay their account. NCO typically makes reminder calls in the client's name to recently past due customers and courtesy collection calls to more seriously delinquent customers. NCO leaves a respectful message on answering machines/voice mails if telephone contact attempts are unsuccessful after the second day. NCO's first party outbound calling campaigns have proven benefits including:

• Calls deliver more than double the response of a written notice
• Calls generate payments five to eight days faster than a written notice
• Calls generate a higher percentage of payments than written notices
• 70 to 85 percent of customers contacted pay or make arrangements
• Reduce operating expenses