Avenger S Field Agency

PLEASE READ THIS COMPLETELY!!

Welcome to Avenger’s Field Agency! The purpose of this letter and the materials enclosed is to introduce you to the operating procedures that are necessary to satisfy our Clients, as well as help you understand how to use the enclosed materials. There are several forms included in this packet which you will need to sign and return to us before we can get you started working accounts. You will need to complete the following forms: W-9, Independant Contractor Engagement Contract, Payment Schedule. Once completed fax the forms to us at 631 264-8205 (or) 631 264-8204 and keep a copy for your records.

We should start by saying that we have set very high standards of service for our company and those standards are what have made our Clients happy. Therefore, we expect a high standard of service from our field agents. All field agents must be motivated and have a professional demeanor at all times. Our service is the only “product” we provide, so our service must be better than any other company.

Most of the contact we have with you will be via phone or email. Please check your email frequently.

All field agents are acting as a representative of the Clients and should therefore act and dress appropriately. We don’t ask that a suit & tie are worn, but make sure that your clothes are acceptable for an office environment! We are not a repo or collection agency! So no “hot-dogging” or risk taking behavior, and the agent should not place his/herself in a hazardous situation. You should conduct yourself as if you are talking to the Client.

We have a standing rule for all field agents: When conducting field calls be absolutely certain you obtain or verify all necessary information. No other individual, or company, should be able to obtain more or better information that you! The bottom line is that our Clients use our services in order to get payments and information that they could not.

We must have all Field Calls completed and returned to us in a (2) two day period! The only exceptions to this would be bad weather conditions, major holiday, or it is authorized by Avenger’s Field Agency prior to the acceptance of the Field Call when an Avenger’s dispatcher talks to you! So please consider this statement before taking the assignment! This is one area that the Client watches very closely! If an extention of time is required for an assignment please call us as soon as you receive the job so we can call the Client to make the request! DO NOT CONTACT THE CLIENT DIRECTLY FOR THIS OR ANY OTHER CIRCUMSTANCE!

CONTACT LETTERS

The contact letter from the Lender is to be placed in a sealed envelope and marked “Personal & Confidential” with the Debtors name on it, and only given to someone at the Debtors home or taped on the front door if no one is at home. FIELD CALL ACTIVITY

There are several rules that must be followed without exception:

1. Never discuss the details of an account with anyone other that the debtor or co-signer listed on the account!

2. No field calls are to conducted before 8:00 am or after 9:00 pm.

3. Try to work accounts during evening hours from 6:00 pm to 9:00 pm or All day on Saturdays & Sundays! If going to a business go during Business hours!

4. When speaking with the person named on the account, always identify Yourself as working with Avenger’s Field Agency, do not say that you Work for the Client!

5. DO NOT accept any payments from anyone! We do not collect money!

6a. Try to make contact with Debtor or Co-signer.

b. If there try to get them on phone with a collector & update information. And give them the contact letter (get collectors name for report)

c. If not there, tape letter in sealed envelope to the front door!

d. If not there go to a neighbor or two and get phone info & what time they are home, just tell neighbor it is “Personal & Confidential” DO NOT tel neighbor why you are there!

e. Give a complete description of Debtors house on report!

f. If chase is for a vehicle, locate vehicle, get plate & give a condition on report!

g. Always make sure to read the instructions on job request for specific instructions for that job!

h. BE AS DETAILED AS POSSIBLE: You are the eyes & ears of Client! i. Remember: If the Client is not satisfied with the results of the chase, you can be sent back for a re-chase within 30 days and only be paid once! So make sure you go to the home or business when it is reasonably Expected that the Debtor would be at home!

THANK YOU

Avenger’s Field Agency

INDEPENDENT CONTRACTOR ENGAGEMENT CONTRACT

This agreement is entered into between Avenger’s Field Agency and ______(Contractor) under the following terms and conditions:

1. Avenger’s Field Agency is a company which provides services to creditors in their efforts to collect debts and accounts owed by third parties (debtors). These srvices primarily consist of gathering information on the debtors and their circumstances, and serving as a conduit of communication between the Creditor and the debtor. Avenger’s Field Agency does not accept assignment od debts as accounts and does not act as a third party collection agency. Avenger’s Field Agency is a wholly separate company and not an employee or agent of the creditor.

2. Avenger’s Field Agency agrees to hire contractor to provide services to Avenger’s Field Agency as set forth in this agreement. Contracyor services shall be payable as per the “Payment Schedule” attached to this agreement. Contractor agrees to perform all services in a professional and competent manner and to adhere to all State and Federal Credit and Collection Laws. Contractor will be compensated for only the services requested by Creditor and/or Avenger’s, and not additional services Contractor provides on his/her own and not on any particular result or outcome with respect to the debt.

3. The nature of services to be provided by Contractor are field contacts with debtors, gathering information about the debtor and their circumstances, collateral condition and information, delivery of Client communications, and other such related services which may be required from time to time, including visual inspection of collateral and/or pictures of collateral. No assignment of debtos by Client, expressed or implied, is being made. Contractor may not negotiate, waive or amend the terms of any debt or account. Contractor may not accept payments of the Clients.

4. Contractor is free to determine the manner and means by which they perform services and is allowed under the terms of this agreement to engage others to perform services on accounts assigned to Contractor, at the sole expence of the Contractor. However, Contractor is obligated to adhere to all State and Federal credit and collection laws and shall ensure any persons acting on their behalf at their request also adhere to all State and Federal credit and collection laws. Contractor is also obligated to adhere to all laws relating to, but not limited to, licensing their services, Workers Compensation, Tax laws, and all employment and regulations. Avenger’s Field Agency reserves the right to establish policies and procedures with respect to the services provided under this agreement.

5. This agreement is not assinable with out the written consent of Avenger’s Fiels Agency.

6. Contractor shall not have any direct communication or contact with the Client, written or verbal, without the express written permission of Avenger’s Field Agency. Contractor agrees to treat all information pertaining to Clients, their accounts, Client lists and Client contacts as confidential. Contractor shall not solicit any Client of Avenger’s Field Agency, either directly or indirectly, for a period of 18 months after the termination of this agreement.

7. Contractor agrees to hold Avenger’s Field Agency, their employees, agents, sub- contractors and assigns, harmless in the event of any claims, suits, damages, and liability including attorneys fees and costs of defence with regard to claims or actions arising out of the performance of services under this agreement. EXCEPT Avenger’s Field Agency shall idemnify, defend and hold Contractor harmles from any damages or liability, including attorneys fees and cost of defence, as to any allegations of negligent or wrongful conduct on the part of the Client and/or Avenger’s Field Agency.

8. Contractor agrees to the disclosure of the following aliases, if used, in the performance of services under this agreement: ______

9. Contractor states that he/she is not nor shall knowingly engage a convicted felon for the performance of this contract. Contractor agrees to carry no weapons of any kind during performance of any duties for Avenger’s Field Agency or their Clients unless they are Licensed by their State to carry or are Peace Officers.

10. Contractor and all of it’s sub-contractors and employeer shall treat all information provided and gathered pursuant to this agreement as private and confidential. All such information shall only be used and revealed as is reasonably necessary to fulfill the purposes of this agreement. In no event shall any information be disclosed to a third-party or used in any manner to intimidate, embarrass or harass any debtor. 11. This agreement may be terminated by either party without notice upon giving written notice to the other party.

Dated: ______

______Contractor Donald Balducci, Avenger’s Field Agency

______Print name Title

Avenger’s Field Agency, inc. 77 Broadway, Suite 1, Amityville NY 11701 Toll Free 888 673-7833, Fax 631 264-8205 (or) 8204

CONTRACTOR PAYMENT SCHEDULE

Avenger’s Field Agency agrees to pay contractor a fee of between $20.00 to $40.00* per account depending on the results as outlined below concluded by Contractor. This fee includes up to (2) TWO field chases at a single given address within a 30 day period per individual account.

As a provision of this contract, Contractor agrees to complete and return all field call assignments within 2 business days from the time assignment is received by Avenger’s Field Agency, unless extended time is pre-approved by Avenger’s Field Agency. Contractor also agrees to furnish and maintain an “area of operations” list for use by Avenger’s in order to detail the current areas of coverage.

NOTE: No payment shall be remitted on any assignments not returned within 2 business days without approval prior to the expiration of the 2 business day period! ALSO NOTE: That there will be no payments processed without a signed Contract and Agreement and a completed W-9 with Social Security number or Tax ID on our file!

Breakdown of payments for Field Chases:

1. No contact with anyone and a full description of the house is given: $20.00

2. No contact at Debtors and address is verified by neighbor, mailbox, etc.: $25.00

3. Contact with a resident at house (debtor, co-signer, third-party) and NO information is Obtained such as phone numbers, place of employment & address & phone etc: $30.00

4. Contact with a resident and information is obtained: $35.00

5. Debtor or Co-signer is put on the phone with a collector (get collectors name and put On the report, no name, no higher pay) (leaving a message on machine does not Qualify for higher pay either): $40.00

I have read and hereby agree to the terms and conditions set forth in this agreement:

Date:______

______Contractor sign Donald Balducci, Avenger’s Field Agency

______Print name Title