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AmericanCapital <br />dY ENTERPRISES, INC. <br />41870 K.W. 4. Se 170, ldv 0t , CA 97562 <br />TeL951.6953372 / Fca:951b95.3763 <br />AGENCY BACKGROUND <br />American Capital Enterprises, Inc. is a 25 year Temecula valley collection <br />agency founded in 1983. Its client mix is roughly 2/3 Medical and 1/3 <br />Municipal, Retail, Commercial, Banking and Utilities. Aside from the City, <br />we have included as references numerous municipal agency clients. <br />The management team brings together a strong mix of legal, healthcare, <br />municipal, and finance experience. Ronald G. Matheson has been a <br />creditor's attorney for 42 years and prior to acquiring American Capital, <br />worked for two major financial institutions. During that time, he specialized <br />in debtor/creditor rights and bankruptcy. He has over 40 years of collection <br />agency management experience since acquiring the Agency. <br />Gail P. Skeldon, Vice President, has had extensive experience in medical <br />billing, collections and finance. Her 33 years experience in -the medical <br />billing and healthcare expertise has been at the forefront of American <br />Capital's outsourcing services to the ambulance and healthcare community. <br />Elizabeth Luna, Operations Manager, joined American Capital's team 16 <br />years ago and has been trained in all facets of collections, customer service <br />and the latest collections technology. Her accounting background has <br />enhanced the supervision of the payment posting, and clerical staff, and <br />record retention. <br />WE INVITE YOU TO VISIT WWW.AMCAPINC.COM <br />0 <br />25H-21 <br />