1. DDA RECOVERY PLUS THE TOOL TO HELP YOU INCREASE YOUR Non-Interest Income

2. What some of Mikes Banks are saying

We have reordered the system 2 times already in the past 3 years and are receiving a ROI of $6.18 to $1.00. Not bad considering this is found money that is usually written off at 60 days and placed into ChexSystems

Lance McDougal VPO/Western National Bank Odessa

It has been my pleasure to work with Transworld Systems Inc., as our collection agent for bad debts on checking accounts since 1991

Leonard Lidiak Chairman Emeritus/State National Bank Texas

We have been a client of TSI for 15 years. The best part of TSI is the personal service that you provide for us. TSI has been our most valuable source of collecting on our DDA accounts in the past and we plan on having much success in the future

Sandra Milles OD Coordinator/First Federal Bank Roswell

3. What some of Mikes Banks are saying

Since we joined, the bank has collected on overdrawn accounts that would have been losses. We highly recommend the program to other banks for their overdraft losses

Ginger Myska EVP/Inter National Bank McAllen

I have worked with Mike since 1988. Working with Mike and Transworld since that time has seen many changes. The collection process has evolved from rolling paper forms into a typewriter and splitting the carbon forms for processing to the simple act of inputting information directly to your system to start the collection process.

Diana Rivas Support Services Manager/Citizens Bank of Las Cruces

We find the system very user friendly. Overdrafts and closures are submitted through the TSI website. Our staff is able to update submitted accounts, as well as review accounts & reports at our convenience, without phone calls and/ or emails to review current information

- Catherine Barton Account Manager/Alamogordo FSB

4. A few Banks/CUs that work with TSIState National Bank Texas Cummins-Allison Corp Citizens Bank Las Cruces NBSC Deposit Processing Greater El Paso CU Arvest Bank Happy State Bank First Light FCU The Bank & TrustCapitol Bank Century Bank FSB 1 stNational Bank Bank United First Nat Bank Edinburg Eden State Bank Lubbock National Bank National Penn Bank United Community Bank Western National Bank Odessa First Charter Bank People Bank First State Bank of TexasWashington Federal Frontier National Bank Union Bank & Trust Inter National Bank First United BankRobert Lee State Bank Sundown State Bank Hereford State Bank Community First Albuquerque 5. PROBLEM with Compliance Software /Internal Letters/Calls Phase I:IN-HOUSE COLLECTION FOR 30-45 Days Day 71 stLetter After Daily Or Weekly Report Day 14 2 ndLetter Day 21 3rd Letter Day 30 4th Letter Close Acct Day 45 AccountSent To ChexSystems Phase II:PERCENTAGE AGENCY or ChexSystems % Average Rate of Recovery = 5% to 10% Average Fee = 40-50% True Cost of Collections = 90 to 95% or more in lost fees 6. SOLUTION is Progressive 3 Phase Approach Phase I: In House Phase II: Transworld Systems Phase III:Verbal Demands and/or Legal Action The TSI system has a DDA report used by banks to eliminate double work placing accounts in ChexSuystems!!! 25% to 60% Recovery Rate TSI 5 thand Final Contact 4 thTSI Contact 3 rdTSI Contact 2 ndTSI Contact Pre or Post Demand Day85 Day 75 Day 65 Day 55 Day 45 80% to 95% Collected Letter 1 Letter 2 Letter 3 30-45 days closed ChexSystems Day 0-30-45 Optimize in-house procedures

Improved cash flow

Reduced expenses

Identify intent

Find money $$$

2 birds 1 stone

Identify intent

7. Start Early - Recover More 8. 24/7 Real Time Reporting

Client controls all starts and stops

Ability to access, update, and manage accounts online

Real-time, web-based account reporting

24/7 access to account information

9. Upload hundreds of accounts to ChexSystems usinge-funds

Kill 2 birds with one stone! After the ODs are uploaded to Transworld Systems for collection, our OCP will create a report for you that can then be sent to ChexSystems using eFunds Online. Banks can send hundreds/thousands of accounts to TSI and ChexSystems in minutes.(Important to note that banks may need to activate a portal on efunds that allows them to email reports vs. keying accounts in using efunds one by one. The activation of this portal is free to banks already set up on efunds)

10. Debtor Contact Map Local Presence 11. Recovery Plus Overdraft Demands

To see a copy of the DDA Recovery Plus Demands contact your rep

12. Why Do GreenFlag Demands Work vs. Internal Letters or Traditional Agencies?

TSI address is from closest contact office to debtor, which is zip code activated. Local or Regional contact vs. a call from another state!

TSI has no company name only PO Box on envelope which makes it hard to recognize. Gets opened! Most company statements or letters have company name on them.

TSI demands change size every 10 days. Most internal statements or letters go out every 30 days in same envelope.

TSI demands get through to 95% or more off all accounts on average vs. telephonic internal or external attempts. Studys show that 70%+ of all consumers screen calls with caller id, call block, answering machines.

TSI return payment envelope & tear off voucher 1st, 3 rd , & 5 thdemands. The only thing we dont do is lick the stamp for them! Its like a utility bill that makes it a priority over a statement from a client.

FDCPA Disclaimer on the bottom of the 1 stdemand for payment. All agencies in the US have to send out but they dont have to tell you so they get a % for a letter!

3 rdparty impact!

13. Sample Status Report