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INFORMATION SECURITY <br />American has information Security Policies and Procedures. <br />IDENTITY THEFT / RED FLAG RULES <br />American has Red Flag Rules, Policies and Procedures. <br />CONDUCT PROVISIONS AND TRAINING <br />Collectors are compliance trained on an ongoing basis by the in- <br />house attorney. <br />ESTIMATED CONVERSION TIMEFRAME <br />We are currently on board and no conversion or City expense is <br />necessary for our continued business relationship <br />COLLECTED MONIES FORWARDED TO CLIENTS <br />American sends its check and Remittance Statement the 20t' <br />of the month following the month of collection. <br />TIMING AND METHOD OF CLIENT PAYMENT <br />American operates on a "net remit" basis. <br />CREDIT REPORTING <br />Eligible accounts are reported to Experian if unpaid after 60 days. <br />AUTHORITY TO COLLECT <br />American is authorized to do business in all states except certain <br />closed states requiring a licensed office in their state. This impact <br />is negligible for CA creditors. <br />19 <br />25H-65 <br />