Okaloosa County BOCC — September 16, 2014 — PennCredit Proposal — reading text

agency without delay of any payment made to you by the debtor or any contact that the ota: #eheetee = Smith, John 123 Watnut Street Anytown, USA 11111 MM/DD/YYYY MM/DD/YYYY $1,500.00 #etddee © Smith, Jane 123 Main Street Anytown, USA 11111 =MM/DD/YYYY MM/DD/YYYY — $500.00 #eieeded Smith, John 165 Elm Street Anytown, USA 11111 =MM/DD/YYYY MM/DD/YYYY $650.00 eegeeaes Smith, Jane 124 Chestnut Street Anytown, USA11111 MM/DD/YYYY MM/DD/YYYY $750.00 #e¢e¢¢¢4 © Smith, John 124 Walnut Street © Anytown, USA 11111 MM/DD/YYYY MM/DD/YYYY — $625.00 #ieeeeee © Smith, Jane 124 Main Street Anytown, USA 11111 MM/DD/YYYY MM/DD/YYYY $435.00 eeaeeeee = Smith, John 170 Elm Street Anytown, USA 11111 MM/DD/YYYY MM/DD/YYYY $498.00 gedegeea Smith, Jane 130 Chestnut Street Anytown, USA 11111 MM/DD/YYYY MM/DD/YYYY $1,275.00 aeeeseea © Smith, John 135 Walnut Street Anytown, USA 11111 MM/DD/YYYY MM/DD/YYYY $1,450.00 #eaeaeee = Smith, Jane 128 Main Street Anytown, USA 11111 MM/DD/YYYY MM/DD/YYYY $650.00 ateegege © Smith, John 167 Elm Street Anytown, USA 11111 MM/OD/YYYY MM/DD/YYYY $975.00 44H Smith, Jane 145 Chestnut Street Anytown, USA11111 | MM/DD/YYYY_MM/DD/YYYY__ $1,950.00 Okaloosa County EMS RFP # EMS 63-14 Page - 52 service * Integrity ° Results Penn Credit Corporation - Payment Analysis Report Report Date: MM/DD/YYYY [Name of Client Here] Colle ee : : eas Cen $391,330.92 56.83% $168,920.78 longs a ae MIMM/YYYY $405,611 ‘56 $222,410.14 $14,280.64 MMIYYYY $351,838.59 $192,005.19 $382,101.94 $9,122.57 $0.00 $342,716.02 56.02% $180,710.83 MMYYYY $326,792.45 $162,804.84 $188,493.77 _—*§7,063.90 $0.00 $319,728.55 50.92% $156,923.71 MMIVYYYY $347,741.92 $149,640.01 $122,678.69 $18,914.74 $0.00 $328,827.21 45.51% $179,187.20 MMYYYY $227,065.37 $94,986.48 $111,640.66 $10,588.79 $0.00 $216,476.58 43.88% $121,490.10 MMIVYYY $504,189.21 $225,286.87 «$118,835.39 $24,145.77 $0.00 $480,043.44 46,93% $254,756.57 MNIYYYY $436,473.42 $182,924.03 $134,240.64 «$23,230.87 $0.00 $413,233.55 44.27% $230,309.52 MMIYYYY $530,959.89 $228,813.98 $135,358.45 $23,802.10 $0.00 $507,157.79 45.12% $278,343.81 MINIYYYY $442,743.74 $182,374.74 $451,489.00 $14,076.09 $0.00 $428,667.65 42.54% $248,292.91 MMIYYYY $577,805.62 $250,196.09 $178,964.09 $24,611.47 $0.00 $553,194.15 45.23% $302,998.06 MIIYYYY $383,799.75 $159,229.35 $158,640.40 $14,403.18 $0.00 $369,306.57 43.11% $210,167.22 MMIYYYY $415,125.51 $185,765.96 $134,204.03 $24,010.54 $0.00 $391,114.97 47.50% $205,349.01 Payment Analysis Report Legend # Referred = The number of account referred. I$ Referred = The dollar amount referred. Placement Collections = The dollars collected on the specific month's placement. Monthly Collections = The dollars collected during the indicated month and year. Total Adjustments = CRQ + STL + BKR + ADJ Cancellations = Agency Cancellations Collectable = $ Referred - Adjustments LIQ% = Placement Collections / Collectable Active Dollars = Collectable - Placement Collections - Cancellations Note: aif statistics are based on placement month and year. The only exception to this rule is the monthly collection column. Okaloosa County EMS RFP # EMS 63-14 Page - 53 bs - abog SIN Aquno? psoojpyO UT-E9 SINJ # dtu Penn Credit Corporation Cancellation Report Report Date: MM/DD/YYYY Created for: *Client Name* (Bess: edi: tee ba Sia Betaruuine pate saeeeeee Smith, John MM/DD/YYYY MM/DD/YYYY $1,500.00 MM/DD/YYYY PAID IN FULL seadaeeee Smith,Jane MM/DD/YYYY MM/DD/YYYY $500.00 MM/DD/YYYY DECEASED MM/DD/YYYY aeeeeeae Smith, John MM/DD/YYYY MM/DD/YYYY $650.00 MM/DD/YYYY PER CLIENT REQUEST #eeeeeee Smith, Jane MM/OD/YYYY MM/DD/YYYY $750.00 MM/DD/YYYY UNCOLLECTIBLE seeeeaes Smith, John MM/DD/YYYY MM/DD/YYYY 5625.00 MM/DD/YYYY BANKRUPTCY aeseageeeE =MM/DD/YYYY #eeueaee Smith,Jane MM/DD/YYYY MM/DD/YYYY $435.00 MM/DD/YYYY PAID IN FULL #seeeaea Smith,John MM/DD/YYYY MM/DD/YYYY $498.00 MM/DD/YYYY PAID IN FULL #eeeceee Smith, Jane MM/DD/YYYY MM/DD/YYYY $1,275.00 MM/DD/YYYY PER CLIENT REQUEST seneaaee Smith, John MM/DD/YYYY MM/DD/YYYY $1,450.00 MM/DD/YYYY UNCOLLECTIBLE seeeeeee Smith, Jane MM/DD/YYYY MM/DD/YYYY $650.00 MM/DD/YYYY BANKRUPTCY feddeeagad ==MM/DD/YYYY #eeeeeae Smith, John MM/DD/YYYY MM/DD/YYYY $975.00 MM/DD/YYYY PAID IN FULL seengaee Smith, Jane MM/DD/YYYY MM/DD/YYYY $1,950.00 MM/DD/YYYY PAID IN FULL #eeneeee Smith, Jane MM/DD/YYYY MM/DD/YYYY $498.00 MM/DD/YYYY PER CLIENT REQUEST #eeenaee Smith, John MM/DD/YYYY MM/DD/YYYY $1,275.00 MM/DD/YYYY UNCOLLECTIBLE sagegeae Smith,Jane MM/DD/YYYY MM/DD/YYYY $1,450.00 MM/DD/YYYY PAID IN FULL aeeetise Smith, John MM/DD/YYYY MM/DD/YYYY $650.00 MM/DD/YYYY DECEASED MM/DD/YYYY eteeeede Smith, Jane MM/DD/YYYY MM/DD/YYYY $975.00 MM/DD/YYYY UNCOLLECTIBLE #hee¢eee Smith, John MM/DD/YYYY MM/OD/YYYY $1,950.00 MM/DD/YYYY PAID IN FULL Report Total 18 $28,056.00 Page lofi SYNSOY » AWIBO]U] » BDIAIOS SING Aquno? psoojpyO §§ - aGod UI-E9 SING # di¥ Penn Credit Corporation 916 South 14th Street Harrisburg, PA 17104 Statement of Collection Frequency: Monthly Statement Dates: MM/DD/YYYY to MM/DD/YYYY Statement Type: Gross ® Pay Codes: A=Agency Pmt / BeAgency NSF / M=Client Pmt / D=Client NSF / R=Agency Reversal / X=Client Reversal S. Date Date Paid Paid Pay Due Due Remaining D Account Number Name Placed Collected Client Agency Comm Code Agency Client Balance 2 PEATE ETE R TEE John Smith MM/DD/YY MM/DD/YY 100.00 25.08 A 25.00 75.00 400.00 = PRREET ER EERE Jane Smith MM/DD/YY MM/DD/YY 200.00 25.08 A 50.00 150.00 00.00 S. Pa aa a EE John Smith MM/DD/YY MM/DD/YY 50.00 25.08 A 12.50 37.50 50.00 S ata te Pate ETRE Jane Smith MM/DD/YY MM/DD/YY 300.00- 25.08 8B 75.00- 225.00- 300.00 tae db ae EEE Jane Smith MM/DD/YY MM/DD/YY 450.00 25.08 M 112.50 337.50 350.00 = Hae aH EE EEE John Smith MM/DD/YY MM/DD/YY 150.00 25.08 M 37.50 112.50 00.00 aathea ta EE HE Jane Smith MM/DD/YY MM/DD/YY 100.00 25.08 M 25.00 75.00 500.00 TAPES ERE TTT John Smith MM/DD/YY MM/DD/YY 75.00 25.08 M 18.75 56.25 00.00 TERRE ER EEE ET John Smith MM/DD/YY MM/DD/YY 300.00~ 25.08 D 75.00- 225.00- 800.00 Soe E HAT Jane Smith MM/DD/YY MM/DD/YY 950.00 25.08 A 237.50 712.50 00.00 *SETTLED IN FULL* Client Totals: $475.00 $1000.00 $368.75 $1106.25 ** Total Collections ** $1475.00 Our Gross Check to you = $1000.00 You Owe Us $368.75 95 - 26d SINJ Aluno? vsoojpjoO UT-E€9 SIN # di¥ Recovery rate based on placement dollars Mthi¥r 01/2012 02/2012 03/2012 04/2012 05/2012 06/2012 07/2012 03/2012 09/2012 10/2012 14/2012 12/2012 #Referred $ Referred 1,773 1,436 1,372 1,238 861 1,825 41,536 4,912 1,492 1,998 1,273 1,484 $405,612 $351,839 $326,792 $347,742 $227,065 $504,189 $436,473 $530,960 $442,744 $577,806 $383,806 $416,126 1 4.33% 12.75% 721% 3.02% 2.02% 4.25% 3.34% 3.47% 3.14% 3.65% 4.13% 2.78% 2 17.18% 7.85% 6.10% 5.42% 5.64% 6.07% 4.13% 7.19% 5.49% 5.44% 4.36% 5.86% AT1% 4.80% 4.08% 420% 4.59% 3.20% 4.91% 4.06% 4.26% Cummutative Recovery rate based on placement dollars Mithi¥r 01/2012 02/2012 03/2012 04/2012 06/2012 06/2012 07/2012 08/2012 09/2012 10/2012 11/2012 12/2012 #Referred $ Referred 4,773 1,436 1,372 1,238 861 4,825 4,536 4,912 1,492 1,098 4,273 1,484 $405,612 $351,839 $326,792 $347,742 $227,065 $504,189 $436,473 $530,960 $442,744 $577,806 $383,800 $415,126 1 4.33% 12.75% 7.21% 3.02% 2.02% 4.25% 3.34% 3.47% 3.14% 3.65% 4.13% 2.78% 2 21.51% 20.59% 13.31% 8.44% 7.68% 10.32% 74T% 10.66% 8.63% 9.10% 8.49% 3 27.37% 25.30% 18.11% 12.53% 11.86% 14.92% 10.67% 15.57% 12.69% 13.36% Regression Analysis 4 5 6 7 3.71% 219% 2.04% 1.92% 3.46% 2.82% 2.18% 1.81% 3.96% 3.48% 2AAY 4.91% 3.66% 2.99% 2.15% 1.86% 3.52% 1.69% 3.49% 1.53% 2.85% 3.74% 2.45% 1.58% 3.30% 2.11% 2.29% 2.58% 2.75% 248% 4 5 6 7 31.08% 33.27% 35.31% 37.22% 28.76% 31.68% 33.77% 35.58% 22.07% 25.55% 27.98% 29.89% 16.19% 19.18% 21.33% 23.19% 15.38% 17.07% 20.56% 22.09% 17.77% 21.51% 23.95% 25.54% 13.97% 16.07% 18.36% 18.14% 20.90% 15.17% 1.08% 1.77% 2.04% 1.43% 1.89% 38.31% 37.35% 31.93% 24.62% 23.98% 0.89% 1.78% 2.08% 1.25% 9 39.20% 39.13% 34.01% 25.88% 10 1.82% 1.27% 1.43% 10 41.02% 40.40% 35.44% 1 1.40% 0.58% ae 42.42% 40.98% 12 0.42% 12 42.84% Total 42.84% 40.98% 35.44% 25.88% 23.98% 25.54% 18.36% 20.90% 15.17% 13.36% 8.49% 2.78% Total 42.84% 40.98% 35.44% 25.88% 23.98% 25.54% 18.36% 20.90% 15.17% 13.36% 8.49% 2.78% SIINSEY « AlUBaluy « BOIAIOS PennGrecdit Service ¢ integrity * Results Client Snapshot Report Historical Statistics Active Account Statistics Beginning to date Current active volume Total Accounts 3,571 Active Accounts : : 2,962 Gross Dollars $1,730,606 Active Dollars $2,016,387 Average Placement $485: Colfections $251,305 Average account age (days) Agency Payments .-:0°-. $196,076::- 78.00% Age at plasentent 4,167 Client Payments $55,278 22.00% Age with Penn 419 Hpatd ietull tes 628 17.69%: Age trom sérvice tlaté 1,888 # settled in full i) 0,00% # paitlal payments =~ 320°.” 8.98%: Call campaigns ; Average payment $205 Total Calls : 112,774 Morning 51,029 Year to date Afternoon, Ons - 50,600. Total Accounts °° . 4860 Evening 17,570 Gross Dollars $277,325 MID Calls 2 oS 2550. Average Placement » $874 Morning 1,168 Collections $84,674 » Aftémion : 1,126 Agency Payments: :° - $62,194 ° 73.45%: Evening 457 Client Payments $22,476 26.54% Totat-Contacts. 3,290 # paid i fal ~ AAB 30.45%. ‘ # settled in full 0 0,00% Mailings » dpartal payments: “ 75: 16.43%. Fotal letters mailed > * 18,681 Average payment $380 Mail returns and phone numbers Month to date : invskip(mail retun/no phone) = BAST - “Total Aceounts : 26 % of active 84.30% Grass Dollars $19,074 Mall-rétara e Loy “a 836. Average Placement $734 % of active 28.22% Collections $3,917 Goad plione (home or cell) . 4,307 Agency:Payments- $2,819 -89,20% % of active 44.13% Client Payments $1,597 40.77% No phone-(home or cell) 1,665 #paid intuit” Be . 19,23% % of active 55.87% # settled in full 0 0.00% Good cell phone 935 # partial paymerite. 1 42.31% % of active 31.57% Average payment $245 % of good phones: 14.54% Skip attempts # of skip-attempts: 38,040 Confidential & Proprietary Penn Cre clit Okaloosa County EMS RFP # EMS 63-14 Page - 57 PennGre Service * integrity * Results SECURITY AND CONTROLS Physical Security Surveillance cameras, security alarms, Halon fire suppression equipment, strategically placed smoke and heat detectors, and biometric thumb-scan entry access, protect our offices 24 hours a day, seven days a week. Each individual department is also protected by biometric thumb-scan. Only authorized personnel are permitted into the Information Technology Department. Additionally, the Penn Credit Data Center is protected by a final biometric access point, an environmental temperature control and alarm system. Proper and immediate action will be taken against any unauthorized personnel attempting to enter these sensitive areas. Maintaining Data Integrity Only users with authorized passwords can access accounts. Internal security modules guarantee that no unauthorized access to sensitive data can occur. We utilize a two-tiered security system involving access limitations at both workstation level and application software level. Financial Protections PCI-DSS Compliance Penn Credit is PCI-DSS Compliant, ensuring that all cardholder data we process is safe and secure at all times. Payment Card Industry Data Security Standard or PCI-DSS, is a global standard that was created to assist the credit card industry in the prevention of credit card fraud through increased controls and security. To meet these stringent requirements, Penn Credit has implemented the following procedures to protect our clients’ sensitive data: ¢ Monthly internal & external network vulnerability scans via Nessus Professional Feed e Credit card and checking account/routing number encryption on our system ¢ Annual third party penetration testing: web, internal & external Okaloosa County EMS RFP # EMS 63-14 Page - 58 PennGrecit Service * integrity * Results SSAE16 SOC 1