Welcome

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Confidential to The TCM Group/Cedar Financial and Client

Welcome

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International Debt Collection For

Montana State University Because Money Knows No Boundaries

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Agenda

Understanding the International Student

Challenges - Weaknesses – Threats

A Global Effective Solution

Who is the TCM Group?

Questions & Answers

Next Steps

Rise in International Students

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Rise in International Students

2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011500000

550000

600000

650000

700000

750000 International Students in the US Market

International Stu-dents in the US Market

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Default Rates On the Rise


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Primary Sources of Funding

Personal and Family FundsU.S. College or UniversityHome Government/UniversityU.S. GovernmentU.S. Private SponsorForeign Private SponsorInternational OrganizationCurrent EmploymentOther Sources


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Where are they now?

OR

F1 Visa statusH1B Visa statusDual Citizenship StudentsPermanent Resident Aliens


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International Students Going Back Home


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International Students Struggle to Find Jobs in U.S.

Prospects for employment in U.S. stagnate despite economic recovery

Cornell University reports that international students attending the university are steadily increasing every year but students are struggling to get off-campus jobs.

“Now, it’s easier for students to get visas, but it’s harder for them to find jobs,” said Rebecca Sparrow, executive director of Cornell Career Services.

“During a time of high unemployment, international students have an even more difficult time than U.S. students, just because if a company can avoid any kind of uncertainty or avoid the additional expense, they often do,” said Brendan O’Brien, director of the ISSO.

FEBRUARY 15, 2012 BY MARGARET YODERhttp://www.cornellsun.com/section/news/content/2012/02/15/international-students-struggle-find-jobs-us

http://www.cornellsun.com/users/margaret-yoder

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Top Sending Countries to USA

TOP 25 PLACES OF ORIGIN OF INTERNATIONAL STUDENTS, 2009/10 - 2010/11Rank Place of

Origin 2009/10 2010/11 2010/11 % of Total % Change

WORLD TOTAL 690,923 723,277 100.0 4.7

1 China 127,822 157,558 21.8 23.32 India 104,897 103,895 14.4 -1.03 South Korea 72,153 73,351 10.1 1.74 Canada 28,145 27,546 3.8 -2.15 Taiwan 26,685 24,818 3.4 -7.06 Saudi Arabia 15,810 22,704 3.1 43.67 Japan 24,842 21,290 2.9 -14.38 Vietnam 13,112 14,888 2.1 13.59 Mexico 13,256 13,713 1.9 2.010 Turkey 12,397 12,184 1.7


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International Students: Fields of Study

Business

and M

anag

emen

t

Engin

eering

Physical

and Lif

e Scie

nces

Math an

d Computer Sc

ience

Socia

l Scie

nces

Fine a

nd Applied Arts

Health Pro

fessio

ns

Intensiv

e Englis

h Langu

age

Educati

on

Humanities

Agricultu

re

Other Fie

lds of S

tudy

Undeclare

d-20,000

0

20,000

40,000

60,000

80,000

100,000

120,000

140,000

160,000

2009/10 Int'l Students2010/11 Int'l Students2010/11 % of Total% Change

Source: Open Doors


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Challenges, Weaknesses, & Threats

•Do not focus or segment the international student collection process

•Communication barriers

•Limited resources to locate

•Limited knowledge of local environment (socioeconomics, religion, culture, political, etc.)

•Lack Ability to work around differing time zones

•DO NOT ADHERE TO LOCAL COMPLIANCE

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• Traditional agencies using in house or just call centers contacting students overseas.

• Working with many agencies overseas in individual countries.

• Doing nothing to cure intl. student debt.

• TCM Group Solution.

Current Model Solutions

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Compliance

Challenges, Weaknesses, & Threats

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• A network of local specialistso Understanding the debtors language, the local laws

• One domestic contact pointo Understanding your language, your business

• Agencies working together, jointly invested


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• Efficiency with Locating Foreign Accountso Local skip tracing services provide a whole new

dimension of efficiency when collecting foreign debts. Claims without telephone numbers or current addresses are no longer road blocks.

• Effective Localized Skip Technologyo Local offices utilize techniques privileged to their local

region in order to effectively locate your skipped claims.

LOCAL SKIP TRACING


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LOCAL LITIGATION CAPABILITIES

A refusal to pay does not end our efforts to collect monies owed to our clients.

•The student is able but unwilling to pay and all pre-legal collection efforts have been exhausted.

•What’s next?

•At the university’s option, our local office may obtain an enforceable judgment against the student.


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ONLINE REAL-TIME ACCESS

Update!Account paid in full

Update!Debtor filed bankruptcy

Update! Dispute resolution

Update!Payment received

Global debt collection solutions accompanied by instant client access and complete transparency.

All made available directly to you -instantly.


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SCREEN SHOTS

Global debt collection solutions accompanied by instant client access and complete transparency.


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• TCM USA = Cedar Financial• Worldwide Debt Recovery• Over 100 countries under one umbrella• Exclusive and thoroughly vetted


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Our Strengths

•Continuing Education (Cedar University)

•All TCM Group Members sign a strict code ethics

•Pre Collections Services (30 days) – Domestic

•Strong knowledge of the education vertical

•Have high end university clients

•Positive feedback from current Customers/good reputation


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Uniqueness = Results

$

Product /Services

$ $

$

$

$

$

$


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Questions & Next Steps

Questions

Next Steps

???

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