CMS A/R Services, Inc.

EARLYOUT

EARLY OUT;collection agency services for past due accounts of utility and telecommunication companies;

EASYPAY

EASY PAY;bill payment services; namely, establishing and operating procedures for customers of utility and telecommunication companies to pay bills by means such as telephone, using credit cards and debit cards, and for utility and telecommunication companies to receive payments and account information;

EUREKA!

analysis of utility companies' collection policies, procedures and practices to identify and quantify opportunities for cash flow improvement, reduction of internal operating expense and reduction of bad debt losses;

FIRSTCUT

1ST CUT;debt collection services specializing in the reduction or elimination of delinquent customer accounts of utilities and telecommunication companies and reduction or elimination the high cost to such companies of collecting customer accounts;

RECOVER

collection agency services; namely, sending letters, making telephone calls and collection of written-off customer accounts of utility and telecommunication companies;