Letter to Prospective Clients
June 14, 2010

Thank you for taking a moment to read this letter and our company brochure.

My name is Paul O’Connor and I am the Vice President of Sales for Credit Adjustment Board Inc., located in Richmond, Virginia. I would like the opportunity to introduce you to our company.

Since 1958 Credit Adjustment Board Inc. has been one of the most competitive and successful collection agencies in the country. We operate strictly on one hundred percent commission based fees.

To help our clients achieve maxim results we offer a full range of services: full service Skip Tracing, nationwide Credit Bureau reporting, legal referral network, electronic address verification and correction, and intensive call center collections. We offer our clients full access to review and update their accounts on-line, twenty-four hours a day, seven days a week.

To increase your collections and improve your bottom line, please contact me for an appointment.

Sincerely,

Paul O'Connor
Vice President of Sales

Letter from the President
April 18, 2007

Dear Clients, Partners, and Friends,

With 2007 upon us, I'd personally like to thank each and every one of you as we commemorate our 50th year in business.

With your support, we've achieved an important milestone for both our company and my family. When my father, Andrew N. Roupas, started Credit Adjustment Board in 1957, he had few clients and even fewer resources. He focused on growing the company by building strong relationships with our clients based on honesty and integrity. It wasn't always the easy thing to do, but he was always committed to doing what was right.

Today, as we celebrate our Golden Anniversary, his vision of fair, ethical and straightforward business continues to guide our company, even as we embrace the latest technology and techniques to further the business goals of our clients.

We have recently upgraded to a second-generation computer system which better utilizes the power of the internet to streamline the collections process. This major investment in our infrastructure will allow Credit Adjustment Board to more effectively aggregate, analyze, and act upon information, all from within a Windows-based environment. Additionally, our new server architecture incorporates the automation of routine processes, and is supported by dual T1 broadband connections for even faster information reporting.

These improvements would not have been possible without the continued support of our clients, partners, and friends. We're confident that our business philosophy, combined with the latest technology and a loyal staff, will allow us to serve you better than ever before.

For all of your collections, skip-tracing, and billing support needs, feel free to call Paul O'Connor, Jr., Vice President of Sales. Paul assists clients all over Virginia and across the southeast. He’ll work with you to develop a plan of action that addresses your needs and fulfills your company’s mission.

Again, on behalf of the entire Credit Adjustment Board family, thank you for 50 wonderful years. I’m excited about the future, and together, we'll make that future a brighter and better place.

Sincerely,