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Established Collection Agency – Serving the Credit Union Market Located in Western US #66924 Sign► NDA 2024 Net Sales Est. $3,000,000 2024 EBITDA Est. $591,000 DISCLAIMER: All information contained in this document has been provided by the subject company to Generational Equity and while believed to be correct has not been verified. Accordingly, Generational Equity makes no representations or warranties as to the accuracy and truthfulness of such information. The recipient hereof acknowledges that Generational Equity shall not be liable for any loss or injury suffered by said recipient in any way connected to the delivery by Generational Equity of this document. At all times Generational Equity and its affiliate network members is an agent for the seller and not for the buyer. Generational Equity's fees are paid by the seller. Paul Hajek Senior M&A Advisor Email: phajek@generational.com Office: 208-340-8482 Generational Equity, LLC 3400 N. Central Expressway, Ste. 100 Richardson, TX 75080 Fax: 972-392-8564 BUSINESS HIGHLIGHTS This Collection Agency provides services primarily for credit unions across the Western US. The Company collects debts using two processes: "demand" collection (63% of 2023 revenues) and "legal" collection (37%). It has a reputation as an agency that is willing to partner with clients and, when necessary, invest in the legal process to collect. The Company also has a portfolio of owned accounts, in which the Company keeps 100% of the funds collected (4% of 2023 revenues). The Company is fully licensed in all 50 states, with an established and trusted network of attorneys. INVESTMENT BANK OF THE YEAR 2016 - 2017 - 2018 - 2022 INVESTMENT APPEAL • Established and Highly Profitable Business — The Company was founded over 35 years ago. Systems and procedures have been fine-turned to effectively service its credit union customer base (87% of revenue). EBITDA ratios, averaging 23.7% from 2021 through 2023, reflect the Company's robust operations and significant pricing power. • Strong Customer Base — Besides credit unions, the Company's 200+ accounts include universities, property management groups, and general service providers. These specialized groups of clients assign very high quality contractual accounts many of which are suitable for litigation. These play directly into the Company's strength of in-depth investigation to find assets and/or employment and then initiate the litigation process. Specific types of clients are targeted in order to maintain the Company's strategic advantage of uncovering specialized consumer information to support legal action. • Excellent Customer Relations — Growth stems from the maintenance and expansion of existing client relationships. The top five clients have engaged the Company for an average of nine years. While the Company could maintain operations and continue to grow revenue year over year, new ownership could capitalize on the Company's established industry reputation and extensive collections experience to compete successfully in additional geographic markets. • Long-Term Employees — The Company fosters a workplace where talented collection specialists are able to thrive and grow, and therefore remain long term. Average tenure for collectors is an impressive 15 years. The experience base enables collectors to triage activity and effectively focus collection efforts. Paul Hajek is a Washington State Real Estate Broker, Lic. 128231, with ACT Capital Advisors, an authorized Generational Affiliate. Customer Markets—% of Sales