Mercantile Adjustment Bureau,

Mercantile was founded in 1934 as an accounts receivable management firm servicing Western New York healthcare providers. While remaining loyal to the healthcare business that gave us our start, Mercantile has significantly diversified the services we offer, as well as the local and nationally renowned client base we service. As a result of strategic changes, restructuring of the Company’s infrastructure, strong organic growth, significant capital investment and selective acquisitions, Mercantile is recognized as one of the ARM and Call Center Industry’s leading companies. We are strongly positioned to facilitate the compliance, service and performance requirements of our existing client partners, while supporting the on-going growth from new and prospective clients. Mercantile is an employer of choice in both of the locations where we have a presence. We have achieved this reputation from a combination of a fair compensation program and a developmental environment that fosters growth, creativity and healthy competition. This enables us to attract and retain experienced call center representatives and managers. Training consists of classroom sessions and a mentoring program that provides inexperienced new hires with the skills and knowledge necessary to become successful collectors. Our below industry average turn-over rate is indicative of the time, effort and investment we have made in creating a quality work experience for our employees. We are proud of our Company’s heritage, position in the Industry and giving back to the communities where we live and operate. Mercantile is the recipient of Industry, Client and Community awards.