NCO has served clients in higher education for over 30 years, and our experience is directly reflected in our ability to drive results. Our representatives have the specific training and experience to successfully service education receivables. They are trained to perform with sensitivity to the circumstances of student borrowers while observing the best interest of our collection partner. We have designed, implemented, and successfully provided collection programs according to the unique requirements of our clients and in strict compliance with all applicable laws and regulations. Our education clients include public and private schools, two-year and four-year schools, state guaranty agencies, lenders, servicers, and the U.S. Department of Education. We also actively participate in NCHELP and COHEAO's debt management committees, networking with industry leaders to monitor issues impacting the management of student debt.

In providing these collection services, we work individually with each client to develop the collection strategy that is best suited to the financing model employed by the client. Our collection programs are designed to conform to the requirements of all federal and state laws and regulations. NCO's collection professionals have a unique understanding of the loan programs available to students and are prepared to discuss the various repayment options available to borrowers to resolve educational-related debt.

NCO Provides the following services:

Outsourcing and Customer Relationship Management Service Programs
NCO Education Services provides effective and efficient outsourcing solutions. NCO is a leading outsourcing provider to higher education loan servicers, and private/alternative loan providers. NCO offers extensive inbound and outbound, outsourced customer care capabilities. Whether the preference is voice, email, chat, IVR, or any combination as the method of choice for interacting with borrowers, NCO is equipped to deliver the results our clients need. Even if bilingual expertise is required, NCO can deliver. We provide a variety of customer-focused solutions, including:

Customer Marketing & Sales
NCO supports inbound and outbound sales efforts by conducting customized programs designed to acquire new customers, renew current clientele, and win back or win over targeted borrowers. We execute every phase of the sales order process, pre- and post-sale, from answering product related questions and making sales presentations to up selling, cross selling and order processing.

Customer Service
NCO has in-depth experience handling customer service inquiries such as billing questions, product and service inquiries, and complaint resolution. We also place calls on behalf of clients in welcoming new customers, retaining current customers, delivering notifications and conducting market research or satisfaction surveys.

Facilities Management
NCO is a leading authority in call center management, known for providing efficient, customer driven service; reducing operational costs enterprise wide. For close to 80 years, NCO has successfully and cost effectively managed a growing number of call centers throughout the United States, and internationally. Efficiently managing call centers is our core business. Our years of experience and industry leading technology give us an unsurpassed advantage. We will take operational responsibility for an existing facility when you decide that outsourcing to an alternate location is not in your best interest. Our responsibilities start and stop where you decide. Our global resources and local experience let us manage any client's CRM needs in a cost effective manner with specialized programs that put the customer first.

Delinquency Management/Pre-Charge Off
NCO has developed a first-party collection service for its clients. This service uses customized collection letters and telephone contact campaigns to maximize recoveries that the institution may not have the internal resources to collect. We provide pre-charge-off delinquent account collection services that enable clients to better control their at-risk customers by quickly curing accounts while maintaining a positive relationship with all students.

Delinquent Accounts Collection Services/Post-Charge Off
NCO provides a wide range of revenue management services such as Accounts Receivable Management (ARM) and collections to clients by utilizing an extensive technological infrastructure. We provide traditional delinquent accounts receivable management, as well as services that recover current accounts receivable and early stage delinquencies — generally, accounts which are 90 days or less past due.

NCOePayments™
Our integrated payment solutions efficiently serve students, helping to increase payments and grow revenue for the institution. We offer students secure payment options via the telephone and Internet. Our flexible and completely customized solutions include:

• Interactive Voice Response (IVR) Solutions
  NCOePayments provides the opportunity to offer students multiple payment options. NCO can implement a student-friendly and convenient IVR payment solution quickly and effectively. Students call a toll-free number provided by NCO and access an automated message welcoming them to the bill payment center in the client's name. As an option, students can be routed to our IVR through the client's IVR. Students experiencing difficulty with the IVR system will be transferred to an NCOePayments representative who will help them with completing the payment process. The only information required from students is their account number and checking or credit card information to complete the process.
  
  
• Call Center Solutions
  Using NCO's advanced extranet technology and with the help of a live call center representative, students make payments directly. Representatives take payments using NCO's proprietary, customizable payment entry screen. Client representatives can log on to the NCOePayments extranet portal from their call center using a web browser, password, and office code. Representatives then enter payments directly into our database. The client maintains and controls password distribution and therefore chooses the representatives that have access to the secure site.
  
  
• Internet
  NCOePayments also offers an integrated Internet payment solution that is available 24 hours a day, 365 days a year. Utilizing this version of NCOePayments allows students to link directly from the college's website to the NCOePayment site and make direct payments into a secure, centralized database.
  
  

NCOePayments gives students automated payment options, over the phone and the web, without the capital investment of our higher education clients.

Attorney Network Services™
NCO Attorney Network Services designs and implements cost-effective legal collection solutions for creditors across the country, managing nationwide legal resources complemented by modern facilities, leading-edge technology, and the expertise needed to achieve results.

We meet the needs of creditors large and small, whether their requirements call for the implementation of a pre-litigation collection campaign for selected accounts or for a nationwide bankruptcy recovery program. We improve our clients' bottom line through customization, working closely with them to identify and implement solutions that yield quality results.

NCO Attorney Network Services consist of the following:

• Pre-litigation Collections
• Attorney Network Collections (Litigation)
• Bankruptcy Recovery Programs
• Reaffirmation Invitation Programs
• Non-Dischargeable Debt Programs
• Nationwide Motions Filing
• Nationwide Replevin Filing
• Probate Accounts
• Suit Scoring
• Arbitration Services
• NCOeRecoverEase™

NCO Portfolio Management
NCO Portfolio Management is ranked among the top 10 debt purchasers and serves numerous domestic and international market sectors, including education, financial services, health care, telecommunications, and utilities. Selling bad debt portfolios has many benefits, including:

• Accelerating cash flow
• Streamlining operations
• Eliminating liability
• Controlling volume increases

Eliminating the need to operate a costly collections department enables our clients to reallocate staff to other functions, thereby streamlining operations and increasing productivity. Whether eliminating positions or reallocating staff, selling bad debt portfolios opens opportunities for our clients to refocus on core competencies.

NCO Portfolio Management makes the sales process easy, clear, and concise. Keeping the process simple limits the time needed to execute a sale. Depending on the size and complexity of the portfolio, the sale process can take between five to 60 days. NCO Portfolio Management works with clients to ensure they meet the timeframes necessary to meet their business needs.