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Collection Agencies

AmSher

http://www.amsher.com/

AmSher is a family business. The firm started in 1939 as a credit-clothing store, later expanded into the credit furniture business and, in 1986, evolved into the nationally ranked receivables management firm. AmSher is headquartered in Birmingham, Alabama with a second collections location in Tulsa. They are licensed to collect in all 50 states.

Fee for collection services:
17% of funds recovered*

Prosper Performance

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Firstsource, LLC

http://www.firstsource.com/

Firstsource Solutions Limited is a global provider of collections and outsourcing solutions. Our focus is on delivering exceptional results to our clients. Our global standards, proven expertise and extensive experience have supported many of the nation's most prestigious companies dramatically improving their collection efforts. We ardently address and challenge ourselves on issues of performance, productivity, results, reporting processes, automation sophistication and associate satisfaction.

Fee for collection services:
15% of funds recovered in the first month*

Fee decreases to 10.5% in the second month and to 7.35% thereafter.

Fee increases by 5% for any payment collected which brings borrower balance current.

Prosper Performance

	Last 3 Months			Lifetime
	AA-A	B-D	E-HR	AA-A	B-D	E-HR
Sent to agency:	$2,815	$15,135	$9,599	$21,459	$133,284	$138,738
Collected: Gross Net after fees	8.86% -	32.47% -	51.97% -	68.97% -	14.36% -	20.27% -
Accounts sent:	4	28	38	19	148	272
Brought current: In mo. 1 at agency In mo. 2 In mo. 3 In mos. 4+	25% 25% 0% 0% 0%	21.43% 7.14% 0% 7.14% 7.14%	23.68% 13.16% 5.26% 5.26% 0%	21.05% 21.05% 0% 0% 0%	18.24% 10.81% 3.38% 2.03% 2.03%	26.84% 16.91% 4.41% 4.04% 1.47%

* Actual remittance may be lower due to recovery of Prosper borrower fees by collection agencies.