Publication3 - Longwood University

Transcription

eVA BUSINESS-TO-GOVERNMENT VENDOR REGISTRATION, CONTRACTS, AND ORDERS: The eVA Internet
electronic procurement solution, website portal www.eVA.virginia.gov, streamlines and automates government
purchasing activities in the Commonwealth. The eVA portal is the gateway for vendors to conduct business with
state agencies and public bodies. All vendors desiring to provide goods and/or services to the Commonwealth
shall participate in the eVA Internet eprocurement solution by completing the free eVA Vendor Registration. All
bidders or offerors must register in eVA and pay the Vendor Transaction Fees specified below; failure to register
will result in the bid/proposal being rejected.
Vendor transaction fees are determined by the date the original purchase order is issued and the current fees are
as follows:
a.
For orders issued July 1, 2011 thru December 31, 2013, the Vendor Transaction Fee is:
(i)
(ii)
b.
DSBSD-certified Small Businesses: 0.75%, capped at $500 per order.
Businesses that are not DSBSD-certified Small Businesses: 0.75%, capped at
$1,500 per order.
For orders issued January 1, 2014 and after, the Vendor Transaction Fee is:
(i)
(ii)
DSBSD-certified Small Businesses: 1%, capped at $500 per order.
Businesses that are not DSBSD-certified Small Businesses: 1%, capped at
$1,500 per order.
For orders issued prior to July 1, 2011 the vendor transaction fees can be found at www.eVA.virginia.gov.
The specified vendor transaction fee will be invoiced, by the Commonwealth of Virginia Department of General
Services, approximately 30 days after the corresponding purchase order is issued and payable 30 days after the
invoice date. Any adjustments (increases/decreases) will be handled through purchase order changes.
Attachment 1 – Negotiations
January 16, 2014
Williams & Fudge, Inc. (WF) agrees to provide Financial Collection Services for Longwood University
(Longwood), an Agency of the Commonwealth of Virginia for the period February 1, 2014 through
January 31, 2015, which includes the option of four (4) successive one (1) year renewals.
The following represents the negotiated points agreed to by WF and Longwood in response to
RFP#214-14-CollectionSvcs:
1.
WF agrees to report to all four (4) major credit bureaus.
2.
WF takes no exception to the addition of the paragraph below to the Special Terms and
Conditions.
19.
PCI DSS COMPLIANCE: Longwood University requires that the contractor shall at all
times maintain compliance with the most current Payment Card Industry Data Security
Standards (PCI DSS). The contractor will be required to provide written confirmation of
compliance. Contractor acknowledges responsibility for the security of cardholder data
as defined within the PCI DSS. Contractor acknowledges and agrees that cardholder
data may only be used for completing the contracted services as described in the full
text of this document, or as required by the PCI DSS, or as required by applicable law. In
the event of a breach or intrusion or otherwise unauthorized access to cardholder data
stored at or for the contractor, contractor shall immediately notify Longwood
University’s Assistant Vice President for Financial Operations at: (434) 395-2416, 201
High Street, Farmville, VA 23909 (fax (434) 395-2635) to allow the proper PCI DSS
compliant breach notification process to commence. The contractor shall provide
appropriate payment card companies, acquiring financial institutions and their
respective designees access to the contractor’s facilities and all pertinent records to
conduct a review of the contractor’s compliance with the PCI DSS requirements.
In the event of a breach or intrusion the contractor acknowledges any/all costs related
to breach or intrusion or unauthorized access to cardholder data entrusted to the
contractor deemed to be the fault of the contractor shall be the liability of the
contractor. Contractor agrees to assume responsibility for informing all such individuals
in accordance with applicable law and to indemnify and hold harmless the
Commonwealth of Virginia, Longwood University and its officers and employees from
and against any claims, damages or other harm related to such breach.
3.
WF agrees to accept a rate of 20% for all fees for all debt regardless of amount or order of
placement.
End Attachment 1.
Specialists in Higher Education Collections
Our Office is Located at:
300 Chatham Avenue, Rock Hill, SC 29730
www.wfcorp.com (803) 329-9791
November 1, 2013
Ms. Deborah J. Cooper
Longwood University
Material Management
201 High Street
Bristow Hall, Room 218
Farmville, VA 23909
RE: Longwood University, Request for Proposals #214-14-CollectionsSvcs,
Collection Services, Financial – November 5, 2013 at 2:00 p.m. Local Time
Dear Ms. Cooper:
Please find enclosed the above referenced proposal to provide Collection
Services for Longwood University. The enclosed Request for Proposal has been
reviewed in detail.
Williams & Fudge, Inc. meets each of the minimum
requirements. We do not have any deviations or exceptions to the RFP requirements.
The following pages will demonstrate our ability to perform those services
requested and also note our willingness to enter into a contract with the Longwood
University. All information provided in connection with Williams & Fudge’s proposal is
true and accurate as of the date of its submission.
Williams & Fudge is incorporated in the State of South Carolina and therefore not
required to have a Commonwealth of Virginia State Corporation Commission (SCC)
ID#.
We will gladly discuss any questions you might have concerning this response.
Please contact me at 1-800-849-9791, ext. 2104 or bperrin@wfcorp.com.
Thank you for the time and consideration that you and your staff have given our
company.
Sincerely,
WILLIAMS & FUDGE, INC.
Robert J. Perrin
President
300 Chatham Avenue ● PO Box 11590 ● Rock Hill, SC 29731
803.329.9791 ● toll-free 800.849-9791 ● fax 803.329.0797
www.wfcorp.com
Table of Contents
Cover Letter
RFP #214-14 ...........................................................................................................TAB
Pricing Schedule..................................................................... 13
Attachment 2 .........................................................................................................TAB
Attachment 2 ................................................................................ 30-32
Qualification of Offeror ......................................................
History & Experience .............................................. 33-35
Collection Process and Procedures........................ 35-41
Proposed Agency Personnel .................................. 42-50
References ........................................................................ 51
Letters of Reference ............................................... 52-56
Williams & Fudge Client List ................................... 57-131
Website Instructions .......................................................... 132-171
Statements & Reports ....................................................... 172-185
Gramm-Leach-Bliley Safeguard Policy ............................. 186-187
Attachment 3 .........................................................................................................TAB
Audits .....................................................................................................................TAB
Attestation Audit ........................................................................... 191-213
Financial Statements ................................................................... 214-225
SSAE 16 ...................................................................................... 226-256
Addenda .................................................................................................................TAB
RFP#214-14-CollectionSvcs
Collection Services, Financial
REQUEST FOR PROPOSALS (RFP)
Issue Date: October 11, 2013
Title: Collection Services, Financial
Commodity Code: 94633
Issuing Agency:
PRE-PROPOSAL CONFERENCE:
10:0 a.m. on October 22, 2013
Longwood University
Materiel Management
Bristow Hall Conference Room
Upper Level, Room 211
COMMONWEALTH OF VIRGINIA
Longwood University
Materiel Management
201 High Street
Bristow Hall, Room 218
Farmville, Virginia 23909
Location Where Work Will Be Performed: Longwood University, Farmville, Virginia
Period of Contract: From February 1, 2014 Through January 31, 2015. Optional four (4) successive one (1) year
renewals.
Sealed Proposals Will be Received Until: November 1. 2013 at 2:00 p.m. Local Time for furnishing the
goods/services described herein. Proposals shall be date/time stamped by the University upon receipt.
All Inquiries For Information Should Be Directed To: Deborah J. Cooper, Buyer Specialist/Contracts Administrator at
(434) 395-2094. Questions must be submitted using the Written Pre-Proposal Question Form included with this
RFP as ATTACHMENT 1.
IF PROPOSALS ARE MAILED, SEND DIRECTLY TO ISSUING AGENCY SHOWN ABOVE. IF PROPOSALS ARE HAND
DELIVERED, DELIVER TO: Bristow Hall, Room 217, Corner of Main and Redford Streets, Longwood University,
Farmville, Virginia.
In Compliance With This Request For Proposal And To All The Conditions Imposed Therein And Hereby
Incorporated By Reference, The Undersigned Offers And Agrees To Furnish The Goods/Services In Accordance With
The Attached Signed Proposal Or As Mutually Agreed Upon By Subsequent Negotiation.
N/A
State Corporation Commission (SCC) ID#:
(See General Terms and Conditions BB. and
Special Terms and Conditions 15.) or statement describing why bidder is not required to have a SCC ID# must be
furnished with your proposal.
Check all that apply: Small Business [ ]
eVA Member: [ X ] Yes [ ] No
Minority-Owned Business [ ]
EPV3259
eVA Vendor ID#:
Woman-Owned Business [ ]
Note: Offeror shall be a member of eVA on the date and
time designated for receipt of proposals to be awarded
this contract. See General Terms and Conditions X, page
19 for membership details.
Name And Address Of Firm:
N/A
DMBE Certificate Number
Certification Date ____/____/_____
Expiration Date ____/____/_____
You are encouraged to register with the Department
of Minority Business Enterprise, (DMBE) at
http://www.dmbe.virginia.gov).
Williams & Fudge, Inc.
Date:
300 Chatham Ave., PO Box 11590
By:
Rock Hill, SC
E-mail:
Zip Code
wf@wfcorp.com
29732
Name:
Title:
November 1, 2013
Robert J.(Signature
Perrin In Ink)
President (Please Print or Type)
Phone: ( 800 ) 849-9791
Fax: ( 803 ) 329-0797
(Toll Free, if available)
(Toll Free, if available)
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This public body does not discriminate against faith-based organizations in accordance with the Code of Virginia,
11-35.1 or against a bidder or offeror because of race, religion, color, sex, national origin, age, disability, or any
other basis prohibited by state law relating to discrimination in employment. Longwood University is an Equal
Opportunity Employer.
OPTIONAL PRE-PROPOSAL CONFERENCE: An optional pre-proposal conference will be held on October 22, 2013
at 10:00 a.m. in the Bristow Hall Conference Room. The purpose of this conference is to allow potential bidders an
opportunity to present questions and obtain clarification relative to any facet of this solicitation. While attendance
at this conference will not be a prerequisite to submitting a proposal, offerors who intend to submit a proposal are
encouraged to attend. Bring a copy of the solicitation with you. Any changes resulting from this conference will be
issued in a written addendum to the solicitation. If special ADA accommodations are needed, please contact
Deborah Cooper at 434-395-2094.
ADDENDUMS: Any changes resulting from the University’s requirements will be issued in an addendum and will
be posted on the eVA website, http://www.eVA.virginia.gov, the Longwood University Materiel Management
website, http://tkts.longwood.edu/ifbrfp/reviewrfp.asp, click on Commodity & Proposal Number
214-14-CollectionSvcs, and the Public Posting Board at the front of Bristow Hall at the corner of Main and Redford
Streets in Farmville, Virginia.
It is the sole responsibility of the offeror to check these web pages for all changes to the RFP prior to
submission. Failure to do so may cause your proposal to be rejected or scored lower. Longwood University
will not mail or fax these documents.
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TABLE OF CONTENTS
Page
I.
PURPOSE
4
II.
STATEMENT OF NEEDS
4
III.
PROPOSAL PREPARATION AND SUBMISSION REQUIREMENTS
6
IV.
EVALUATION AND AWARD CRITERIA
8
V.
COMMUNICATIONS
9
VI.
PRICING SCHEDULE
10
VII.
TYPES OF DEBT SUBMITTED
11
VIII.
GENERAL TERMS AND CONDITIONS
12
IX.
SPECIAL TERMS AND CONDITIONS
20
X.
ATTACHMENTS
1 – Written Pre-Proposal Question Form
2 – Offeror Data Sheet
3 – Small Business Subcontracting Plan
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I.
PURPOSE
The intent and purpose of this Request for Proposals (RFP) is a request for sealed proposals from qualified
individuals and/or organizations experienced in providing Collection Services of Accounts Receivables
referred by Longwood University, an agency of the Commonwealth of Virginia, hereafter referred to as
the University. The accounts receivables are a result of loans made to students, bad checks, fines,
overpayments, and services rendered by the University. THE UNIVERSITY RESERVES THE RIGHT TO MAKE
MULTIPLE AWARDS AS A RESULT OF THIS SOLICITATION.
II.
STATEMENT OF NEEDS
A.
Performance Requirements
1.
Contractor shall accept for collection unpaid accounts that the University refers for
collection, and maintain licenses, as permitted by law, and in states necessary to collect
these accounts. Contractor shall maintain the confidentiality of all accounts placed for
collection.
2.
Contractor shall understand fully the Federal Regulations for Perkins loans and comply
with all regulations. The Contractor shall provide the Attestation Audit Letter annually
and shall attach the current Attestation Audit Letter for the 2012 year as well as
financial statements for 2012 with the proposal.
3.
Contractor shall promptly undertake, through proper and lawful means, the collection
of all accounts referred by the University without regard to the amount. Contractor
shall not, under any circumstances, use any threats, intimidation, or harassment of
debtor in the collection of accounts or violate any guidelines established by the Fair
Debt Collection Practices Act.
4.
Contractor shall agree to remain in compliance with all current and future provisions of
the Fair Debt Collection Practice Act, Consumer Credit Protection Act, National Defense
Education Act of 1958, Title II, and the Public Health Service Act Titles VII, and VIII.
5.
In the event a claim, complaint, or legal process is filed arising exclusively out of
Contractor's performance, alleging threats, intimidation, harassment, deception, or any
other improper act or practice in violation of any federal or state consumer oriented act
and the University, its agents, officers, or employees is alleged to be actually or
contingently liable, the Contractor shall defend such claim, complaint, or legal process
and to hold harmless the University, its agents, officers, or employees, for any judgment
recovered. Said provision will not apply in the event the University's own acts amount
to a violation of the above stated Federal or State consumer oriented acts.
6.
Contractor shall remit to the University the net total of funds collected for the University
th
by the tenth (10 ) day of each month during the term of this agreement with the
exception of the funds collected for Federal Perkins Loans. Federal Perkins loan account
collections will be remitted directly to the billing agent designated by the University.
Contractor will provide separate payments as well as separate monthly accounting
statements of all payments received and credited during said period. The University
agrees to remit collection fees to Contractor in the event payments are made directly to
the University or the Billing Agent.
7.
Contractor shall provide a customer service representative specifically to the University.
The Contractor shall provide the University and the debtors with a toll free phone
number.
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7
8.
Upon request by the University, Contractor shall accept cancellations deferments, or
postponements and no fees shall be charged to the University for Contractor assistance
in obtaining and processing such.
9.
Contractor shall have no authority to file suit on any account referred by the University.
Contractor shall make every effort to collect accounts prior to making suit
recommendations.
10.
Contractor shall suspend action either temporarily or permanently on any accounts
referred for collection upon notification by the University. Contractor has no authority
to settle any account balance, and the University will provide written approval on any
accounts the University agrees to compromise.
11.
The University will have performed appropriate written demands informing the debtor
of the consequences of their failure to make payments prior to turning accounts over to
the Contractor.
12.
Contractor shall implement thorough collection procedures in the attempt to achieve a
maximum recovery of debts. Such procedures are to include a reasonable number of
telephone calls along with a reasonable number of mail efforts. Skip tracing procedures
shall be used wherever necessary. Legal action shall be recommended when all other
efforts fail and the account will be returned to the University.
13.
Contractor shall report to at least one national credit bureau an individual's account
affecting the debtor's credit rating, with the exception of the Longwood University
Federal Perkins loans. (The Perkins loans are reported to the credit bureau by CAMPUS
PARTNERS, our Perkins loan billing servicer). The accounts shall be placed with a credit
bureau within sixty (60) days of placement with the Contractor. Contractor will make
the necessary corrections when an account is reported in error.
14.
The Contractor shall not share in funds collected by the University as a result of
exercising authority for the Commonwealth Debt right of setoff granted by the Code of
Virginia. The University will notify the Contractor of any set-off monies received.
15.
Accounts with no collections shall remain with the Contractor for no longer than twelve
(12) months and will be returned to the University by the collection agency. Extensions
may be granted if justified by the Contractor and approved by the University. Debt setoff payments will extend the 12 month period.
16.
The University contracts with a billing agent, CAMPUS PARTNERS. The Contractor shall
interface with CAMPUS PARTNERS in collection of Federal Perkins Loan accounts using
their links to Datalink and Document Direct. The service will be at no additional cost to
the University. Debt set-off payments will extend the 12 month period.
17.
The Contractor shall establish an individual account for each collection category the
University may designate.
18.
Contractor shall maintain a fidelity bond in the amount of one hundred thousand
($100,000) dollars; said bond being for the benefit of the University. Contractor will
notify the University of the name of the bonding company, and if any change occurs in
the bond, Contractor will notify University of said change.
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8
19.
If the Contractor offers a conference or workshop, they will provide the University with
one free registration fee.
20.
Your agency must allow ten business days for checks to process before remitting the
funds to the University in order to avoid sending us funds that may be returned due to
non-sufficient funds, stop payments etc.
21.
The following figures are for the year ending June 2013:
Tuition and Fees at Collections:
Perkins at Collections:
Parking Fines:
Library Fines:
Telecom Accounts:
Institutional Loans:
$645,296.46
$94,333.69
$14,233.03
$1,196.48
$229.34
$0
These accounts are with multiple agencies and will continue to be rotated between any
agencies acquired.
22.
III.
The present contractors are: Todd, Bremer, Lawson, Inc., Rock Hill, South Carolina;
Williams & Fudge Inc., Rock Hill, SC; Enterprise Recovery Systems, Oak Brook, IL; and
Immediate Credit Recovery, Wappingers Falls, NY. There have been reductions to rates
for Perkins due to new regulations effective July 1, 2008.
Williams & Fudge Understands, Agrees & Will Comply to the Performance Requirements
PROPOSAL PREPARATION AND SUBMISSION REQUIREMENTS
A.
PROPOSAL PREPARATION:
1.
RFP Response: In order to be considered for selection, offerors must submit a complete
response to this RFP. One (I) original and three (3) copies of each proposal must be
submitted to the issuing agency. No other distribution of the proposal shall be made by
the offeror.
a.
Proposals shall be signed by an authorized representative of the offeror. All
information requested should be submitted. Failure to submit all information
requested may result in the purchasing agency requiring prompt submission of
missing information and/or giving a lowered evaluation of the proposal.
Proposals which are substantially incomplete or lack key information may be
rejected by the purchasing agency. Mandatory requirements are those
required by law or regulation or are such that they cannot be waived and are
not subject to negotiation.
b.
Proposals should be prepared simply and economically, providing a
straightforward, concise description of capabilities to satisfy the requirements
of the RFP. Emphasis should be placed on completeness and clarity of content.
c.
Proposals should be organized in the order in which the requirements are
presented in the RFP. All pages of the proposal should be numbered. Each
paragraph in the proposal should reference the paragraph number of the
corresponding section of the RFP. It is also helpful to cite the paragraph
number, sub letter, and repeat the text of the requirement as it appears in the
RFP. If a response covers more than one page, the paragraph number and
subletter should be repeated at the top of the next. page. The proposal should
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9
contain a table of contents which cross references the RFP requirements.
Information which the offeror desires to present that does not fall within any of
the requirements of the RFP should be inserted at an appropriate place or be
attached at the end of the proposal and designated as additional material.
Proposals that are not organized in this manner risk elimination from
consideration if the evaluators are unable to find where the RFP requirements
are specifically addressed.
2.
B.
d.
As used in this RFP, the terms "must", "shall", "should", and "may" identify the
criticality of requirements. "Must" and "shall" identify requirements whose
absence will have a major negative impact on the suitability of the proposed
solution. Items labeled as "should" or "may" are highly desirable, although their
absence will not have a large impact and would be useful, but are not
necessary. Depending on the overall response to the RFP, some individual
"must" and "shall" items may not be fully satisfied, but it is the intent to satisfy
most, if not all, "must" and "shall" requirements. The inability of an Offeror to
satisfy a "must" or "shall" requirement does not automatically remove that
Offeror from consideration; however, it may seriously affect the overall rating
of the Offerors' proposal.
e.
Each copy of the proposal should be bound or contained in a single volume
where practical. All documentation submitted with the proposal should be
contained in that single volume.
f.
Ownership of all data, materials, and documentation originated and prepared
for the State pursuant to the RFP shall belong exclusively to the State and be
subject to public inspection in accordance with the Virginia Freedom of
Information Act. Trade secrets or proprietary information submitted by an
offeror shall not be subject to public disclosure under the Virginia Freedom of
Information Act; however, the offeror must invoke the protections of § 11 -52D
of the Code of Virginia, in writing, either before or at the time the data or other
material is submitted. The written notice must specifically identify the data or
materials to be protected and state the reasons why protection is necessary.
The proprietary or trade secret material submitted must be identified by some
distinct method such as highlighting or underlining and must indicate only the
specific words, figures, or paragraphs that constitute trade secret or
proprietary information. The classification of an entire proposal document, line
item prices, and/or total proposal prices as proprietary or trade secrets is not
acceptable and will result in rejection of the proposal.
Oral Presentation: Offerors who submit a proposal in response to this RFP may be
required to give an oral presentation of their proposal to the agency. This provides an
opportunity for the offeror to clarify or elaborate on the proposal. This is a fact finding
and explanation session only and does not include negotiation. The issuing agency will
schedule the time and location of these presentations. Oral presentations are an option
of the purchasing agency and mayor may not be conducted.
PROPOSAL SUBMISSION REQUIREMENTS:
Proposals should be as thorough and detailed as possible so that the University may properly
evaluate your capabilities to provide the required goods/services. Offerors are required to
submit the following items as a complete proposal:
1.
Return the RFP and all addenda acknowledgments, if any, signed and filled out as
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10
required.
2.
Vendor Data Sheet, included In the RFP, Section VIII, and other specific items or data
requested in the RFP.
3.
A written narrative statement to include:
4.
IV.
a.
Experience in providing the goods/services described herein.
b.
Names, qualifications and experience of personnel to be assigned to the
project.
c.
Resumes of staff to be assigned to the project.
Specific plans for providing the proposed goods/services including:
a.
List of proposed equipment/goods/etc. including operating parameters,
illustrations, etc.
b.
What, when and how the service will be performed.
c.
Time frame for completion (if not otherwise specified by the agency in the
statement of needs).
5.
Proposed Price. Indicate in the pricing schedule, Section VI of the RFP, if provided.
Williams & Fudge Understands, Agrees & Will Comply to the Proposal Preparation & Submission Requirments
EVALUATION AND AWARD CRITERIA
A.
Evaluation Criteria: Proposals shall be evaluated by Longwood University using the following
criteria:
POINT VALUE
Qualifications and experience of Offerors in providing the services
Specific plans or methodology to be used to perform the services
Price
References
Small Business Subcontracting Plan
TOTAL
B.
20
20
30
10
20
100
Award of Contract: Selection shall be made of two or more offerors deemed to be fully qualified
and best suited among those submitting proposals on the basis of the evaluation factors included
in the Request for Proposals, including price, if so stated in the Request for Proposals.
Negotiations shall be conducted with the offerors so selected. Price shall be considered, but need
not be the sole determining factor. After negotiations have been conducted with each offeror so
selected, the agency shall select the offerors, which, in its opinion, have made the best proposal,
and shall award the contract to those offerors. The Commonwealth may cancel this Request for
Proposals or reject proposals at any time prior to an award, and is not required to furnish a
statement of the reasons why a particular proposal was not deemed to be the most
advantageous (Code oj Virginia, 1165D). Should the Commonwealth determine in writing and in
its sole discretion that only one offeror is fully qualified, or that one offeror is clearly more highly
qualified than the others under consideration, a contract may be negotiated and awarded to that
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11
V.
offeror. The award document will be a contract incorporating by reference all the requirements,
terms and conditions of the solicitation and the contractor's proposal as negotiated.
Williams & Fudge Understands & Agrees to the Evaluation and Award Criteria
COMMUNICATIONS
Informal Communications: From the date of receipt of this Request for Proposal by each offeror until a
binding contractual agreement exists with the selected offeror(s) and all other offerors have been
notified, or when the institution rejects all proposals, informal communications regarding this
procurement shall cease. Informal communications shall include but not be limited to: (1) requests from
offerors to any departments at the institution (with the exception of the designated institution Materiel
Management Office) for information, comments, speculation, etc., regarding the RFP, responses or
process; and (2) requests from any departments of the institution (with the exception of the designated
institution Materiel Management authority) for information, comments, speculation, etc., regarding the
RFP, responses or process.
Formal Communications:
Nature of Communication: From the date of receipt of this Request for Proposal by each offeror until a
binding contractual agreement exists with the selected offeror or when Longwood University rejects all
proposals, all communications between the institution and the offeror will be formal or as requested by
the institution's Materiel Management Office. Address all inquiries to James Simpson at 434-395-2093.
Adherence to Provisions: Any failure to adhere to the provisions set forth above may result in the
rejection of any offeror's proposal or in the cancellation of this Request for Proposals.
Revisions/Additions to RFP: Revisions or additions to this Request for Proposal shall be at the sole
discretion of Longwood University. In the event it becomes necessary to revise any part of this Request
for Proposal, revisions will be mailed by the Materiel Management Office to all offerors to whom the
initial Request for Proposal was mailed or by whom the initial Request for Proposal was requested.
Williams & Fudge Understands & Agrees
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12
VI.
PRICING SCHEDULE
Contractor shall provide collection services for Longwood University at the fees below:
1.
SINGLE FEE FOR ALL ACCOUNTS (EXCEPT FEDERAL PERKINS LOANS) REGARDLESS OF DOLLAR
st
nd
AMOUNT OR ORDER PLACEMENT (i.e., 1 , 2 , etc.):
23
2.
FEE FOR FIRST PLACEMENT FEDERAL PERKINS LOANS WITHOUGHT REGARD TO AMOUNT:
23
3.
%
%
FEE FOR ALL OTHER PLACED FEDERAL PERKINS LOANS WITHOUGHT REGARD TO AMOUNT:
23
%
Will your agency be willing for all fees to be equal for all debt regardless of amount or order of
placement? If so, please quote the fee.
SAID FEES SHALL BE THE SOLE CONSIDERATION PAID THE CONTRACTOR. THE UNIVERSITY SHALL NOT
BE LIABLE FOR ANY COST OR EXPENSE INCURRED BY THE CONTRACTOR IN THE COLLECION OF
ACCOUNTS.
Understand & Agree
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13
VII.
TYPES OF DEBT SUBMITTED
Perkins
Tuition, Fee, Room & Board
Library
Telecom
Institutional Loans
Parking Fines*
Damages*
Returned Checks and Fees (generally included on the student account with few exceptions for
miscellaneous debt)
*All included on the student account
Historical Account Data
Average balance of all accounts, by category in the last five years:
AVG
AR 1ST
AR 2ND'S
PERKINS 1ST
PERKINS 2ND
$2,099
$1,725
$2,418
$2,328
Actual total dollar amounts inclusive of collection fees of monies collected the last academic
school year to all incumbents by category:
TOTAL
AR
PERKINS
$131,644
$89,999
The monthly number of accounts expected to be placed with the contractor(s) by category
(based on 12-13 yr):
AR 1ST
AR 2ND'S
PERKINS 1ST
PERKINS 2ND
11
23
4
8
The monthly dollar value of accounts expected to be placed with the contractor(s) by category
(based on 12-13 yr):
AR 1ST
$22,471
AR 2ND'S
$38,466
PERKINS 1ST
$7,912
PERKINS 2ND
$4,004
Averaged rate of recovery provided by incumbents in the last five years:
AVERAGED
AR
9%
PERKINS
18%
Williams & Fudge Understands & Agrees to the Types of Debt Submitted
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VIII.
GENERAL TERMS AND CONDITIONS
A.
VENDORS MANUAL: This solicitation is subject to the provisions of the Commonwealth of
Virginia Vendors Manual and any changes or revisions thereto, which are hereby incorporated
into this contract in their entirety. The procedure for filing contractual claims is in section 7.19 of
the Vendors Manual. A copy of the manual is normally available for review at the purchasing
office and is accessible on the Internet at www.eVA.virginia.gov under “Vendors Manual” on the
vendors tab.
B.
APPLICABLE LAWS AND COURTS: This solicitation and any resulting contract shall be governed in
all respects by the laws of the Commonwealth of Virginia and any litigation with respect thereto
shall be brought in the courts of the Commonwealth. The agency and the contractor are
encouraged to resolve any issues in controversy arising from the award of the contract or any
contractual dispute using Alternative Dispute Resolution (ADR) procedures (Code of Virginia, §
2.2-4366). ADR procedures are described in Chapter 9 of the Vendors Manual. The contractor
shall comply with all applicable federal, state and local laws, rules and regulations.
C.
ANTI-DISCRIMINATION: By submitting their proposals, offerors certify to the Commonwealth
that they will conform to the provisions of the Federal Civil Rights Act of 1964, as amended, as
well as the Virginia Fair Employment Contracting Act of 1975, as amended, where applicable, the
Virginians With Disabilities Act, the Americans With Disabilities Act and § 2.2-4311 of the Virginia
Public Procurement Act (VPPA). If the award is made to a faith-based organization, the
organization shall not discriminate against any recipient of goods, services, or disbursements
made pursuant to the contract on the basis of the recipient's religion, religious belief, refusal to
participate in a religious practice, or on the basis of race, age, color, gender or national origin and
shall be subject to the same rules as other organizations that contract with public bodies to
account for the use of the funds provided; however, if the faith-based organization segregates
public funds into separate accounts, only the accounts and programs funded with public funds
shall be subject to audit by the public body. (Code of Virginia, § 2.2-4343.1E).
In every contract over $10,000 the provisions in 1. and 2. below apply:
1.
During the performance of this contract, the contractor agrees as follows:
a.
The contractor will not discriminate against any employee or applicant for
employment because of race, religion, color, sex, national origin, age, disability,
or any other basis prohibited by state law relating to discrimination in
employment, except where there is a bona fide occupational qualification
reasonably necessary to the normal operation of the contractor. The
contractor agrees to post in conspicuous places, available to employees and
applicants for employment, notices setting forth the provisions of this
nondiscrimination clause.
b.
The contractor, in all solicitations or advertisements for employees placed by or
on behalf of the contractor, will state that such contractor is an equal
opportunity employer.
c.
Notices, advertisements and solicitations placed in accordance with federal
law, rule or regulation shall be deemed sufficient for the purpose of meeting
these requirements.
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2.
The contractor will include the provisions of 1. above in every subcontract or purchase
order over $10,000, so that the provisions will be binding upon each subcontractor or
vendor.
D.
ETHICS IN PUBLIC CONTRACTING: By submitting their proposals, offerors certify that their
proposals are made without collusion or fraud and that they have not offered or received any
kickbacks or inducements from any other offeror, supplier, manufacturer or subcontractor in
connection with their proposal, and that they have not conferred on any public employee having
official responsibility for this procurement transaction any payment, loan, subscription, advance,
deposit of money, services or anything of more than nominal value, present or promised, unless
consideration of substantially equal or greater value was exchanged.
E.
IMMIGRATION REFORM AND CONTROL ACT OF 1986: By entering into a written contract with
the Commonwealth of Virginia, the Contractor certifies that the Contractor does not, and shall
not during the performance of the contract for goods and services in the Commonwealth,
knowingly employ an unauthorized alien as defined in the federal Immigration Reform and
Control Act of 1986.
F.
DEBARMENT STATUS: By submitting their proposals, offerors certify that they are not currently
debarred by the Commonwealth of Virginia from submitting bids or proposals on contracts for
the type of goods and/or services covered by this solicitation, nor are they an agent of any
person or entity that is currently so debarred.
G.
ANTITRUST: By entering into a contract, the contractor conveys, sells, assigns, and transfers to
the Commonwealth of Virginia all rights, title and interest in and to all causes of action it may
now have or hereafter acquire under the antitrust laws of the United States and the
Commonwealth of Virginia, relating to the particular goods or services purchased or acquired by
the Commonwealth of Virginia under said contract.
H.
MANDATORY USE OF STATE FORM AND TERMS AND CONDITIONS FOR RFPs: Failure to submit
a proposal on the official state form provided for that purpose may be a cause for rejection of
the proposal. Modification of or additions to the General Terms and Conditions of the
solicitation may be cause for rejection of the proposal; however, the Commonwealth reserves
the right to decide, on a case by case basis, in its sole discretion, whether to reject such a
proposal.
I.
CLARIFICATION OF TERMS: If any prospective offeror has questions about the specifications or
other solicitation documents, the prospective offeror should contact the buyer whose name
appears on the face of the solicitation no later than five working days before the due date. Any
revisions to the solicitation will be made only by addendum issued by the buyer.
J.
PAYMENT:
1.
To Prime Contractor:
a.
Invoices for items ordered, delivered and accepted shall be submitted by the
contractor directly to the payment address shown on the purchase
order/contract. All invoices shall show the state contract number and/or
purchase order number; social security number (for individual contractors) or
the federal employer identification number (for proprietorships, partnerships,
and corporations).
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2.
b.
Any payment terms requiring payment in less than 30 days will be regarded as
requiring payment 30 days after invoice or delivery, whichever occurs last.
This shall not affect offers of discounts for payment in less than 30 days,
however.
c.
All goods or services provided under this contract or purchase order, that are
to be paid for with public funds, shall be billed by the contractor at the
contract price, regardless of which public agency is being billed.
d.
The following shall be deemed to be the date of payment: the date of
postmark in all cases where payment is made by mail, or the date of offset
when offset proceedings have been instituted as authorized under the Virginia
Debt Collection Act.
e.
Unreasonable Charges. Under certain emergency procurements and for most
time and material purchases, final job costs cannot be accurately determined
at the time orders are placed. In such cases, contractors should be put on
notice that final payment in full is contingent on a determination of
reasonableness with respect to all invoiced charges. Charges which appear to
be unreasonable will be researched and challenged, and that portion of the
invoice held in abeyance until a settlement can be reached. Upon
determining that invoiced charges are not reasonable, the Commonwealth
shall promptly notify the contractor, in writing, as to those charges which it
considers unreasonable and the basis for the determination. A contractor
may not institute legal action unless a settlement cannot be reached within
thirty (30) days of notification. The provisions of this section do not relieve an
agency of its prompt payment obligations with respect to those charges which
are not in dispute (Code of Virginia, § 2.2-4363).
To Subcontractors:
a.
b.
3.
A contractor awarded a contract under this solicitation is hereby obligated:
(1)
To pay the subcontractor(s) within seven (7) days of the contractor’s
receipt of payment from the Commonwealth for the proportionate
share of the payment received for work performed by the
subcontractor(s) under the contract; or
(2)
To notify the agency and the subcontractor(s), in writing, of the
contractor’s intention to withhold payment and the reason.
The contractor is obligated to pay the subcontractor(s) interest at the rate of
one percent per month (unless otherwise provided under the terms of the
contract) on all amounts owed by the contractor that remain unpaid seven (7)
days following receipt of payment from the Commonwealth, except for
amounts withheld as stated in (2) above. The date of mailing of any payment
by U. S. Mail is deemed to be payment to the addressee. These provisions
apply to each sub-tier contractor performing under the primary contract. A
contractor’s obligation to pay an interest charge to a subcontractor may not be
construed to be an obligation of the Commonwealth.
Each prime contractor who wins an award in which provision of a SWAM procurement
plan is a condition to the award, shall deliver to the contracting agency or institution, on
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or before request for final payment, evidence and certification of compliance (subject
only to insubstantial shortfalls and to shortfalls arising from subcontractor default) with
the SWAM procurement plan. Final payment under the contract in question may be
withheld until such certification is delivered and, if necessary, confirmed by the agency
or institution, or other appropriate penalties may be assessed in lieu of withholding such
payment.
4.
The Commonwealth of Virginia encourages contractors and subcontractors to accept
electronic and credit card payments.
K.
PRECEDENCE OF TERMS: The following General Terms and Conditions VENDORS MANUAL,
APPLICABLE LAWS AND COURTS, ANTI-DISCRIMINATION, ETHICS IN PUBLIC CONTRACTING,
IMMIGRATION REFORM AND CONTROL ACT OF 1986, DEBARMENT STATUS, ANTITRUST,
MANDATORY USE OF STATE FORM AND TERMS AND CONDITIONS, CLARIFICATION OF TERMS,
PAYMENT shall apply in all instances. In the event there is a conflict between any of the other
General Terms and Conditions and any Special Terms and Conditions in this solicitation, the
Special Terms and Conditions shall apply.
L.
QUALIFICATIONS OF offerors: The Commonwealth may make such reasonable investigations as
deemed proper and necessary to determine the ability of the offeror to perform the
services/furnish the goods and the offeror shall furnish to the Commonwealth all such
information and data for this purpose as may be requested. The Commonwealth reserves the
right to inspect offeror’s physical facilities prior to award to satisfy questions regarding the
offeror’s capabilities. The Commonwealth further reserves the right to reject any proposal if the
evidence submitted by, or investigations of, such offeror fails to satisfy the Commonwealth that
such offeror is properly qualified to carry out the obligations of the contract and to provide the
services and/or furnish the goods contemplated therein.
M.
TESTING AND INSPECTION: The Commonwealth reserves the right to conduct any
test/inspection it may deem advisable to assure goods and services conform to the
specifications.
N.
ASSIGNMENT OF CONTRACT: A contract shall not be assignable by the contractor in whole or in
part without the written consent of the Commonwealth.
O.
CHANGES TO THE CONTRACT: Changes can be made to the contract in any of the following ways:
1.
The parties may agree in writing to modify the terms, conditions, or scope of the
contract. Any additional goods or services to be provided shall be of a sort that is
ancillary to the contract goods or services, or within the same broad product or service
categories as were included in the contract award. Any increase or decrease in the price
of the contract resulting from such modification shall be agreed to by the parties as a
part of their written agreement to modify the scope of the contract.
2.
The Purchasing Agency may order changes within the general scope of the contract at
any time by written notice to the contractor. Changes within the scope of the contract
include, but are not limited to, things such as services to be performed, the method of
packing or shipment, and the place of delivery or installation. The contractor shall
comply with the notice upon receipt, unless the contractor intends to claim an
adjustment to compensation, schedule, or other contractual impact that would be
caused by complying with such notice, in which case the contractor shall, in writing,
promptly notify the Purchasing Agency of the adjustment to be sought, and before
proceeding to comply with the notice, shall await the Purchasing Agency's written
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decision affirming, modifying, or revoking the prior written notice. If the Purchasing
Agency decides to issue a notice that requires an adjustment to compensation, the
contractor shall be compensated for any additional costs incurred as the result of such
order and shall give the Purchasing Agency a credit for any savings. Said compensation
shall be determined by one of the following methods:
a.
By mutual agreement between the parties in writing; or
b.
By agreeing upon a unit price or using a unit price set forth in the contract, if
the work to be done can be expressed in units, and the contractor accounts for
the number of units of work performed, subject to the Purchasing Agency’s
right to audit the contractor’s records and/or to determine the correct number
of units independently; or
c.
By ordering the contractor to proceed with the work and keep a record of all
costs incurred and savings realized. A markup for overhead and profit may be
allowed if provided by the contract. The same markup shall be used for
determining a decrease in price as the result of savings realized. The
contractor shall present the Purchasing Agency with all vouchers and records of
expenses incurred and savings realized. The Purchasing Agency shall have the
right to audit the records of the contractor as it deems necessary to determine
costs or savings. Any claim for an adjustment in price under this provision must
be asserted by written notice to the Purchasing Agency within thirty (30) days
from the date of receipt of the written order from the Purchasing Agency. If
the parties fail to agree on an amount of adjustment, the question of an
increase or decrease in the contract price or time for performance shall be
resolved in accordance with the procedures for resolving disputes provided by
the Disputes Clause of this contract or, if there is none, in accordance with the
disputes provisions of the Commonwealth of Virginia Vendors Manual. Neither
the existence of a claim nor a dispute resolution process, litigation or any other
provision of this contract shall excuse the contractor from promptly complying
with the changes ordered by the Purchasing Agency or with the performance of
the contract generally.
P.
DEFAULT: In case of failure to deliver goods or services in accordance with the contract terms
and conditions, the Commonwealth, after due oral or written notice, may procure them from
other sources and hold the contractor responsible for any resulting additional purchase and
administrative costs. This remedy shall be in addition to any other remedies which the
Commonwealth may have.
Q.
DELETED.
R.
DELETED.
S.
DELETED.
T.
INSURANCE: By signing and submitting a bid or proposal under this solicitation, the bidder or
offeror certifies that if awarded the contract, it will have the following insurance coverage at the
time the contract is awarded. For construction contracts, if any subcontractors are involved, the
subcontractor will have workers’ compensation insurance in accordance with §§ 2.2-4332 and
65.2-800 et seq. of the Code of Virginia. The bidder or offeror further certifies that the
contractor and any subcontractors will maintain these insurance coverage during the entire term
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of the contract and that all insurance coverage will be provided by insurance companies
authorized to sell insurance in Virginia by the Virginia State Corporation Commission.
MINIMUM INSURANCE COVERAGES AND LIMITS REQUIRED FOR MOST CONTRACTS:
1.
Workers’ Compensation - Statutory requirements and benefits. Coverage is compulsory
for employers of three or more employees, to include the employer. Contractors who
fail to notify the Commonwealth of increases in the number of employees that change
their workers’ compensation requirements under the Code of Virginia during the course
of the contract shall be in noncompliance with the contract.
2.
Employer’s Liability - $100,000.
3.
Commercial General Liability - $1,000,000 per occurrence and $2,000,000 in the
aggregate. Commercial General Liability is to include bodily injury and property
damage, personal injury and advertising injury, products and completed operations
coverage. The Commonwealth of Virginia must be named as an additional insured and
so endorsed on the policy.
4.
Automobile Liability - $1,000,000 combined single limit. (Required only if a motor
vehicle not owned by the Commonwealth is to be used in the contract. Contractor must
assure that the required coverage is maintained by the Contractor (or third party owner
of such motor vehicle.)
Profession/Service
Accounting
Architecture
Asbestos Design, Inspection or Abatement
Contractors
Limits
$1,000,000 per occurrence,
$3,000,000 aggregate
Health Care Practitioner (to include Dentists,
Licensed Dental Hygienists, Optometrists,
Registered or Licensed Practical Nurses,
Pharmacists, Physicians, Podiatrists,
Chiropractors, Physical Therapists, Physical
Therapist Assistants, Clinical Psychologists,
Clinical Social Workers, Professional
Counselors, Hospitals, or Health
Maintenance Organizations.)
(Limits increase each July 1 through fiscal year 2031, as follows:
July 1, 2013 - $2,100,000, July 1, 2014 - $2,150,000. This complies with Code of
Virginia § 8.01-581.15.
Insurance/Risk Management
Landscape/Architecture
Legal
Professional Engineer
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Surveying
U.
ANNOUNCEMENT OF AWARD: Upon the award or the announcement of the decision to award a
contract as a result of this solicitation, the purchasing agency will publicly post such notice on the
DGS/DPS eVA VBO (www.eVA.virginia.gov) for a minimum of 10 days.
V.
DRUG-FREE WORKPLACE: During the performance of this contract, the contractor agrees to (i)
provide a drug-free workplace for the contractor's employees; (ii) post in conspicuous places,
available to employees and applicants for employment, a statement notifying employees that
the unlawful manufacture, sale, distribution, dispensation, possession, or use of a controlled
substance or marijuana is prohibited in the contractor's workplace and specifying the actions
that will be taken against employees for violations of such prohibition; (iii) state in all solicitations
or advertisements for employees placed by or on behalf of the contractor that the contractor
maintains a drug-free workplace; and (iv) include the provisions of the foregoing clauses in every
subcontract or purchase order of over $10,000, so that the provisions will be binding upon each
subcontractor or vendor.
For the purposes of this section, “drug-free workplace” means a site for the performance of work
done in connection with a specific contract awarded to a contractor, the employees of whom are
prohibited from engaging in the unlawful manufacture, sale, distribution, dispensation,
possession or use of any controlled substance or marijuana during the performance of the
contract.
W.
NONDISCRIMINATION OF CONTRACTORS: A bidder, offeror, or contractor shall not be
discriminated against in the solicitation or award of this contract because of race, religion, color,
sex, national origin, age, disability, faith-based organizational status, any other basis prohibited
by state law relating to discrimination in employment or because the bidder or offeror employs
ex-offenders unless the state agency, department or institution has made a written
determination that employing ex-offenders on the specific contract is not in its best interest. If
the award of this contract is made to a faith-based organization and an individual, who applies
for or receives goods, services, or disbursements provided pursuant to this contract objects to
the religious character of the faith-based organization from which the individual receives or
would receive the goods, services, or disbursements, the public body shall offer the individual,
within a reasonable period of time after the date of his objection, access to equivalent goods,
services, or disbursements from an alternative provider.
X.
eVA BUSINESS-TO-GOVERNMENT VENDOR REGISTRATION, CONTRACTS, AND ORDERS: The eVA
Internet electronic procurement solution, website portal www.eVA.virginia.gov, streamlines and
automates government purchasing activities in the Commonwealth. The eVA portal is the
gateway for vendors to conduct business with state agencies and public bodies. All vendors
desiring to provide goods and/or services to the Commonwealth shall participate in the eVA
Internet eprocurement solution by completing the free eVA Vendor Registration. All bidders or
offerors must register in eVA and pay the Vendor Transaction Fees specified below; failure to
register will result in the proposal being rejected.
Vendor transaction fees are determined by the date the original purchase order is issued and the
current fees are as follows:
a.
(i)
DMBE-certified Small Businesses: 0.75%, capped at $500 per order.
(ii)
Businesses that are not DMBE-certified Small Businesses: 0.75%, capped at
$1,500 per order.
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b.
For orders issued January 1, 2014 and after, the Vendor Transaction Fee is:
(i)
DMBE-certified Small Businesses: 1%, capped at $500 per order.
(ii)
Businesses that are not DMBE-certified Small Businesses: 1%, capped at
$1,500 per order.
For orders issued prior to July 1, 2011 the vendor transaction fees can be found at
www.eVA.virginia.gov.
The specified vendor transaction fee will be invoiced, by the Commonwealth of Virginia
Department of General Services, approximately 30 days after the corresponding purchase order
is issued and payable 30 days after the invoice date. Any adjustments (increases/decreases) will
be handled through purchase order changes.
Y.
AVAILABILITY OF FUNDS: It is understood and agreed between the parties herein that the
agency shall be bound hereunder only to the extent of the funds available or which may
hereafter become available for the purpose of this agreement.
Z.
SET-ASIDES. This solicitation is set-aside for DMBE-certified small business participation only
when designated “SET-ASIDE FOR SMALL BUSINESSES” in the solicitation. DMBE-certified small
businesses are those businesses that hold current small business certification from the Virginia
Department of Minority Business Enterprise. This shall not exclude DMBE-certified womenowned and minority-owned businesses when they have received the DMBE small business
certification. For purposes of award, offerors shall be deemed small businesses if and only if they
are certified as such by DMBE on the due date for receipt of proposals.
AA.
BID PRICE CURRENCY: Unless stated otherwise in the solicitation, offerors shall state offer prices
in US dollars.
BB.
AUTHORIZATION TO CONDUCT BUSINESS IN THE COMMONWEALTH: A contractor organized as
a stock or nonstock corporation, limited liability company, business trust, or limited partnership
or registered as a registered limited liability partnership shall be authorized to transact business
in the Commonwealth as a domestic or foreign business entity if so required by Title 13.1 or Title
50 of the Code of Virginia or as otherwise required by law. Any business entity described above
that enters into a contract with a public body pursuant to the Virginia Public Procurement Act
shall not allow its existence to lapse or its certificate of authority or registration to transact
business in the Commonwealth, if so required under Title 13.1 or Title 50, to be revoked or
cancelled at any time during the term of the contract. A public body may void any contract with a
business entity if the business entity fails to remain in compliance with the provisions of this
section.
Williams & Fudge Understands, Agrees & Will Comply to the General Terms & Conditions
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IX.
SPECIAL TERMS AND CONDITIONS
1.
AUDIT: The contractor shall retain all books, records, and other documents relative to this
contract for five (5) years after final payment, or until audited by the Commonwealth of Virginia,
whichever is sooner. The agency, its authorized agents, and/or state auditors shall have full
access to and the right to examine any of said materials during said period.
2.
AWARD TO MULTIPLE OFFERORS: Selection shall be made of two or more offerors deemed to
be fully qualified and best suited among those submitting proposals on the basis of the
evaluation factors included in the Request for Proposals, including price, if so stated in the
Request for Proposals. Negotiations shall be conducted with the offerors so selected. Price shall
be considered, but need not be the sole determining factor. After negotiations have been
conducted with each offeror so selected, the agency shall select the offeror which, in its opinion,
has made the best proposal, and shall award the contract to that offeror. The Commonwealth
reserves the right to make multiple awards as a result of this solicitation. The Commonwealth
may cancel this Request for Proposals or reject proposals at any time prior to an award, and is
not required to furnish a statement of the reasons why a particular proposal was not deemed to
be the most advantageous (Code of Virginia, § 2.2-4359D). Should the Commonwealth
determine in writing and in its sole discretion that only one offeror is fully qualified, or that one
offeror is clearly more highly qualified than the others under consideration, a contract may be
negotiated and awarded to that offeror. The award document will be a contract incorporating by
reference all the requirements, terms and conditions of the solicitation and the contractor’s
proposal as negotiated.
3.
CANCELLATION OF CONTRACT: The purchasing agency reserves the right to cancel and terminate
any resulting contract, in part or in whole, without penalty, upon 60 days written notice to the
contractor. In the event the initial contract period is for more than 12 months, the resulting
contract may be terminated by either party, without penalty, after the initial 12 months of the
contract period upon 60 days written notice to the other party. Any contract cancellation notice
shall not relieve the contractor of the obligation to deliver and/or perform on all outstanding
orders issued prior to the effective date of cancellation.
4.
eVA BUSINESS-TO-GOVERNMENT CONTRACTS AND ORDERS: The contract will result in
purchase orders with the eVA transaction fee specified below assessed for each order.
a.
(i)
DMBE-certified Small Businesses: 0.75%, capped at $500 per order.
(ii)
Businesses that are not DMBE-certified Small Businesses: 0.75%, capped at
$1,500 per order.
b.
For orders issued January 1, 2014, and after, the Vendor Transaction Fee is:
(i)
DMBE-certified Small Businesses: 1%, capped at $500 per order.
(ii)
Businesses that are not DMBE-certified Small Businesses: 1%, capped at
$1,500 per order.
The specified vendor transaction fee will be invoiced by the Commonwealth of Virginia
Department of General Services, approximately 30 days after the corresponding purchase order
is issued and payable 30 days after the invoice date. Any adjustments (increases/decreases) will
be handled through purchase order changes.
The eVA Internet electronic procurement solution, website portal www.eva.virginia.gov,
streamlines and automates government purchasing activities in the Commonwealth. The portal is
the gateway for vendors to conduct business with state agencies and public bodies.
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Vendors desiring to provide goods and/or services to the Commonwealth shall participate in the
eVA Internet e-procurement solution and agree to comply with the following: If this solicitation is
for a term contract, failure to provide an electronic catalog (price list) or index page catalog for
items awarded will be just cause for the Commonwealth to reject your bid/offer or terminate this
contract for default. The format of this electronic catalog shall conform to the eVA Catalog
Interchange Format (CIF) Specification that can be accessed and downloaded from
www.eVA.virginia.gov. Contractors should email Catalog or Index Page information to eVAcatalog-manager@dgs.virginia.gov.
5.
RENEWAL OF CONTRACT: This contract may be renewed by the Commonwealth upon written
agreement of both parties for four (4) successive one (1) year periods, under the terms of the
current contract, and at a reasonable time (approximately 90 days) prior to the expiration.
6.
CONTRACT PARTICIPATION: Under the authority of §6 of the Rules Governing Procurement of
Goods, Services, Insurance and Construction by a Public Institution of Higher Education of the
Commonwealth of Virginia (copy available at http://www.longwood.edu/materielmanagement),
Cooperative Procurement, it is the intent of this solicitation and resulting contract(s) to allow for
cooperative procurement. Accordingly, any public body, public or private health or educational
institutions or lead issuing institution’s affiliated corporations may access any resulting contract if
authorized by the contractor.
Participation in this cooperative procurement is strictly voluntary. If authorized by the
Contractor(s), the resultant contract(s) will be extended to the public bodies indicated above to
purchase at contract prices in accordance with contract terms. The Contractor shall notify the
lead-issuing institution in writing of any such institutions accessing the contract. No modification
of this contract or execution of a separate contract is required to participate. The Contractor will
provide semi-annual usage reports for all entities accessing the Contract. Participating entities
shall place their own orders directly with the Contractor(s) and shall fully and independently
administer their use of the contract(s) to include contractual disputes, invoicing and payments
without direct administration from the lead-issuing institution. The lead-issuing institution shall
not be held liable for any costs or damages incurred by any other participating public body as a
result of any authorization by the Contractor to extend the contract. It is understood and agreed
that the lead-issuing institution is not responsible for the acts or omissions of any entity and will
not be considered in default of the contract no matter the circumstances.
Use of this contract(s) does not preclude any participating entity from using other contracts or
competitive processes as the need may be.
7.
BID ACCEPTANCE PERIOD: Any bid in response to this solicitation shall be valid for (60) days. At
the end of the (60) days the bid may be withdrawn at the written request of the bidder. If the
bid is not withdrawn at that time it remains in effect until an award is made or the solicitation is
canceled.
8.
IDENTIFICATION OF PROPOSAL ENVELOPE: If a special envelope is not furnished, or if return in
the special envelope is not possible, the signed proposal should be returned in a separate
envelope or package, sealed and identified as follows:
From:
Name of Offeror
Street or Box Number
Due Date
Time
IFB No./RFP No.
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City, State, Zip Code
IFB/RFP Title
DMBE-certified Small Business No.
Name of Contract/Purchase Officer or Buyer
9.
10.
SMALL BUSINESS SUBCONTRACTING AND EVIDENCE OF COMPLIANCE:
A.
It is the goal of the Commonwealth that 40% of its purchases be made from small
businesses. This includes discretionary spending in prime contracts and subcontracts.
All potential offerors are required to submit a Small Business Subcontracting Plan.
Unless the offeror is registered as a DMBE-certified small business and where it is
practicable for any portion of the awarded contract to be subcontracted to other
suppliers, the contractor is encouraged to offer such subcontracting opportunities to
DMBE-certified small businesses. This shall not exclude DMBE-certified women-owned
and minority-owned businesses when they have received DMBE small business
certification. No offeror or subcontractor shall be considered a Small Business, a
Women-Owned Business or a Minority-Owned Business unless certified as such by the
Department of Minority Business Enterprise (DMBE) by the due date for receipt of bids
or proposals. If small business subcontractors are used, the prime contractor agrees to
report the use of small business subcontractors by providing the purchasing office at a
minimum the following information: name of small business with the DMBE
certification number, phone number, total dollar amount subcontracted, category type
(small, women-owned, or minority-owned), and type of product/service provided.
B.
Each prime contractor who wins an award in which provision of a small business
subcontracting plan is a condition of the award, shall deliver to the contracting agency
or institution on a quarterly basis, evidence of compliance (subject only to insubstantial
shortfalls and to shortfalls arising from subcontractor default) with the small business
subcontracting plan. When such business has been subcontracted to these firms and
upon completion of the contract, the contractor agrees to furnish the purchasing office
at a minimum the following information: name of firm with the DMBE certification
number, phone number, total dollar amount subcontracted, category type (small,
women-owned, or minority-owned), and type of product or service provided.
Payment(s) may be withheld until compliance with the plan is received and confirmed
by the agency or institution. The agency or institution reserves the right to pursue other
appropriate remedies to include, but not be limited to, termination for default.
C.
Each prime contractor who wins an award valued over $200,000 shall deliver to the
contracting agency or institution on a quarterly basis, information on use of
subcontractors that are not DMBE-certified small businesses. When such business has
been subcontracted to these firms and upon completion of the contract, the contractor
agrees to furnish the purchasing office at a minimum the following information: name
of firm, phone number, total dollar amount subcontracted, and type of product or
service provided.
PRE-PROPOSAL CONFERENCE - OPTIONAL: An optional pre-proposal conference will be held at
10:00 a.m. on October 22, 2013 at Longwood University, Bristow Hall, Room 211. The purpose of
this conference is to allow potential offerors an opportunity to present questions and obtain
clarification relative to any facet of this solicitation.
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While attendance at this conference will not be a prerequisite to submitting a proposal,
offerors who intend to submit a proposal are encouraged to attend. Bring a copy of the
solicitation with you. Any changes resulting from this conference will be issued in a
written addendum to the solicitation.
11.
PRIME CONTRACTOR RESPONSIBILITIES: The contractor shall be responsible for completely
supervising and directing the work under this contract and all subcontractors that he may utilize,
using his best skill and attention. Subcontractors who perform work under this contract shall be
responsible to the prime contractor. The contractor agrees that he is as fully responsible for the
acts and omissions of his subcontractors and of persons employed by them as he is for the acts
and omissions of his own employees.
12.
REFERENCES: Offerors shall complete the Offeror Data Sheet provided in the RFP at Section X.
ATTACHMENTS.
13.
SUBCONTRACTS: No portion of the work shall be subcontracted without prior written consent of
the purchasing agency. In the event that the contractor desires to subcontract some part of the
work specified herein, the contractor shall furnish the purchasing agency the names,
qualifications and experience of their proposed subcontractors. The contractor shall, however,
remain fully liable and responsible for the work to be done by its subcontractor(s) and shall
assure compliance with all requirements of the contract.
14.
CONFIDENTIALITY OF PERSONALLY IDENTIFIABLE INFORMATION: The contractor assures that
information and data obtained as to personal facts and circumstances related to patients or
clients will be collected and held confidential, during and following the term of this agreement,
and unless disclosure is required pursuant to court order, subpoena or other regulatory authority,
will not be divulged without the individual’s and the agency’s written consent and only in
accordance with federal law or the Code of Virginia. Contractors who utilize, access, or store
personally identifiable information as part of the performance of a contract are required to
safeguard this information and immediately notify the agency of any breach or suspected breach
in the security of such information. Contractors shall allow the agency to both participate in the
investigation of incidents and exercise control over decisions regarding external reporting.
Contractors and their employees working on this project may be required to sign a confidentiality
statement.
15.
STATE CORPORATION COMMISSION IDENTIFICATION NUMBER: Pursuant to Code of Virginia,
§2.2-4311.2 subsection B, a bidder or offeror organized or authorized to transact business in the
Commonwealth pursuant to Title 13.1 or Title 50 is required to include in its bid or proposal the
identification number issued to it by the State Corporation Commission (SCC). Any bidder or
offeror that is not required to be authorized to transact business in the Commonwealth as a
foreign business entity under Title 13.1 or Title 50 or as otherwise required by law is required to
include in its bid or proposal a statement describing why the bidder or offeror is not required to
be so authorized. Indicate the above information on the SCC Form provided. Contractor agrees
that the process by which compliance with Titles 13.1 and 50 is checked during the solicitation
stage (including without limitation the SCC Form provided) is streamlined and not definitive, and
the Commonwealth’s use and acceptance of such form, or its acceptance of Contractor’s
statement describing why the bidder or offeror was not legally required to be authorized to
transact business in the Commonwealth, shall not be conclusive of the issue and shall not be
relied upon by the Contractor as demonstrating compliance.
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16.
CONTINUITY OF SERVICES:
a.
The Contractor recognizes that the services under this contract are vital to the Agency
and must be continued without interruption and that, upon contract expiration, a
successor, either the Agency or another contractor, may continue them. The Contractor
agrees:
(i)
To exercise its best efforts and cooperation to effect an orderly and efficient
transition to a successor;
(ii)
To make all Agency owned facilities, equipment, and data available to any
successor at an appropriate time prior to the expiration of the contract to
facilitate transition to successor; and
(iii)
That the Agency Contracting Officer shall have final authority to resolve
disputes related to the transition of the contract from the Contractor to its
successor.
b.
The Contractor shall, upon written notice from the Contract Officer, furnish phasein/phase-out services for up to ninety (90) days after this contract expires and shall
negotiate in good faith a plan with the successor to execute the phase-in/phase-out
services. This plan shall be subject to the Contract Officer’s approval.
c.
The Contractor shall be reimbursed for all reasonable, pre-approved phase-in/phase-out
costs (i.e., costs incurred within the agreed period after contract expiration that result
from phase-in, phase-out operations) and a fee (profit) not to exceed a pro rata portion
of the fee (profit) under this contract. All phase-in/phase-out work fees must be
approved by the Contract Officer in writing prior to commencement of said work.
17.
E-VERIFY PROGRAM: EFFECTIVE 12/1/13. Pursuant to Code of Virginia, §2.2-4308.2., any
employer with more than an average of 50 employees for the previous 12 months entering into a
contract in excess of $50,000 with any agency of the Commonwealth to perform work or provide
services pursuant to such contract shall register and participate in the E-Verify program to verify
information and work authorization of its newly hired employees performing work pursuant to
such public contract. Any such employer who fails to comply with these provisions shall be
debarred from contracting with any agency of the Commonwealth for a period up to one year.
Such debarment shall cease upon the employer’s registration and participation in the E-Verify
program. If requested, the employer shall present a copy of their Maintain Company page from
E-Verify to prove that they are enrolled in E-Verify.
18.
NONPROFIT SHELTERED WORKSHOPS AND NONPROFIT ORGANIZATIONS:
A.
Where it is practicable for any portion of the awarded contract to be subcontracted, the
contractor is encouraged to offer such business to nonprofit sheltered workshops and
nonprofit organizations serving the handicapped. A list of nonprofit sheltered
workshops and nonprofit organizations of Virginia serving the handicapped can be
found at www.vadrs.org.
B.
Each prime contractor who is awarded a contract where using a nonprofit sheltered
workshop or nonprofit organization serving the handicapped is a condition of the award,
shall deliver to the agency or institution, on or before request for final payment,
evidence and certification of compliance. When a portion of the contract has been
subcontracted to these organizations and upon completion of the contract, the
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27
X.
contractor agrees to furnish the purchasing office, at a minimum, the following
information: name of nonprofit sheltered workshop or nonprofit organization serving
the handicapped, telephone number, total dollar amount subcontracted, and type of
product/service provided. Final payment under the contract may be withheld until such
certification is delivered or other appropriate remedies may be assessed in lieu of
withholding such payment.
Williams & Fudge Understands, Agrees & Will Comply to the Special Terms & Conditions
ATTACHMENTS
1 – Written Pre-Proposal Question Form
2 – Offeror Data Sheet
3 – Small Business Subcontracting Plan
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28
ATTACHMENT 1 – Written Pre-Proposal Question Form
Project:
Longwood University
Farmville, Virginia
Attention:
Deborah J. Cooper, VCO
Buyer Specialist/Contracts Administrator
Longwood University
201 High Street, Bristow Hall, Room 217
Farmville, Virginia 23909-1896
Phone: 434-395-2094 | Fax: 434-395-2246
|
Email: cooperdj@longwood.edu
The following question(s) are against RFP#214-14-CollectionSvcs:
Section, Page, Line(s)
Question
All questions shall be received by 12 noon, October 25, 2013. All responses to questions will be
made by an addendum, if necessary.
Question(s) submitted by:
Name
Phone #
Company
Fax #
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29
ATTACHMENT 2 – Offeror Data Sheet (TO BE COMPLETED BY OFFEROR)
1.
2.
Qualification of Offeror: The Offeror must have the capability and capacity in all respects to fully
satisfy all of the contractual requirements. Williams & Fudge's history, experience and qualifications
are detailed on the pages following Attachment 2 - Offeror Data Sheet.
Years in Business: Indicate the length of time you have been in business providing this type of
service:
27
3
Years
Months
SPECIFICALLY STATE THE LENGTH OF TIME YOU HAVE BEEN COLLECTING ACCOUNTS:
27
3.
3
Years
Months
References: Indicate below a listing of four (4) recent or present contracts with educational
institutions for which you have provided this type of service. Include the client name and
address, dates service was furnished, the name and telephone number of the person the Agency
has your permission to contact and recovery percentage.
Client Name
Address
Contact Person and
Dates of Service Recovery %
Telephone Number
January 2001 Current
60.82%
Trudy
September 1998 Current
18.22%
809 West Broad St.
Richmond, VA 23284
Ed Stables
804-828-4365
October 1999 Current
23.74%
150 Student Services
Blacksburg, VA 24061
Janet Moran
540-231-9450
April 1998 Current
46.49%
Radford University
PO Box 6922
Radford, VA 24142
University of Virginia
PO Box 400204
Charlottesville, VA 22904
Virginia Commonwealth
University
Virginia Tech
Tanya Rojewski
540-831-5504
*
*
*
*
*Recovery % is overall for the client to include all placement and debt types.
4.
Please list the names of any professional organization memberships:
Williams & Fudge is a member of ACA International, South Carolina Collectors Association,
COHEAO, CAASLAR, EARMA, NACUBO, SACUBO, FABSAA, KASRO, MASFSA,
NYSOBBA, OBA, OACUBO, PacWest SFS, TACCBO, TX BUC$, UASLA, WAFAA,
MABUG, ABACC and AACUBO.
5.
Please list our options/methods of placing accounts (e.g., paper, email. fax, secure website, etc.):
Williams & Fudge software allows the acceptance of accounts by any means, including automatic
placements from Longwood University's billing servicer, manual placements, diskettes, tape-to-tape,
FTP, web-based (www.wfcorp.com), or any other format currently in use. Williams & Fudge can
receive electronic business from all data types, and we encourage electronic data to be transferred
securely through our web site clients.wfcorp.com or by a dedicated FTP.
6.
Do you communicate via e-mail and/or website available to the debtors as well as the University?
Williams & Fudge account representatives communicate with consumers via the use of letters,
phone calls and email (upon receipt of consent). In addition, consumers can communicate with
account representatives through the web (www.wfpayaccounts.com) and Williams & Fudge's
mobile application, WF Mobile. Williams & Fudge has a separate website, clients.wfcorp.com,
and mobile application, WF Client, for clients. Instructions to Williams & Fudge's websites are
detailed on the following pages following Attachment 2 - Offeror Data Sheet.
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7.
Has your agency been purchased/merged within the last five years or do you have plans to
purchase or merge with another company?
Williams & Fudge has not been purchased/merged within the last five years and do not have plans
to purchase or merge with another company. Williams & Fudge is a privately held corporation.
Stockholders of the corporation are Gary L. Williams, David C. Williams, and Alice Williams
Davis.
8.
Has your agency been cited for any audit exceptions within the last five years? Has the agency
had ANY litigation issues? If so, please explain.
Williams & Fudge has not been cited for any audit exceptions within the last five years and do not
have any litigation issues.
9.
Does your agency have the ability to send acknowledgments to Longwood via email within two
business days of placement?
Yes, Williams & Fudge has the ability to send acknowledgements to Longwood University via
email within two business days of placement
10.
Does your agency have the ability to produce the close & return reports, the status reports and
th
the monthly invoices on the same date to be received by the 10 of each month?
Yes, Williams & Fudge has the ability to produce the close & return reports, the status reports and
the monthly invoices on the same date to be received by the 10th of each month. A complete
description of the reports, and frequency, that will be provided to Longwood University by
Williams & Fudge are detailed on the following pages following Attachment 2 - Offeror Data
Sheet.
11.
Does your agency rule on the Code of Virginia for collection fee regulations or the codes of the
residing state of the debtor?
Non-federal student loans/receivables that are placed for collection with Williams & Fudge shall
have additional student paid collection costs or Institution fees added only when permitted by law.
Where an agreement is required to be permitted by Virginia law, Longwood understands and agrees
there is an express written agreement, promissory note, electronic signature, and/or any other
contractual instrument that meets the legal standards where the debt was incurred creating a legal
obligation between the student and Longwood.
12.
What is the protocol of pursing collections on disputed accounts by either the debtor or the
debtor’s attorney?
In accordance with the Fair Debt Collections Practices Act, our staff has been trained to handle a
consumer who is disputing the validity of the debt. The account is immediately put into a state of
suspension. The request for support documentation to prove the debt is indeed valid is then sent to
our client. Upon receipt of this information, Williams & Fudge will forward the information to the
consumer. Once validated we will attempt resolution of the debt. If the University cannot provide
Williams & Fudge with the supporting documentation to validate the debt, the account will be
closed and returned in accordance with the Fair Debt Collections Practices Act.
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13.
Please attach a copy of your Gramm-Leach-Bliley Act Safeguard Policy to the Proposal.
Williams & Fudge GLBA Safeguard Policy is provided on the following pages following Attachment
2 - Offeror Data Sheet.
CONTRACTOR LICENSE REQUIREMENTS: By my signature on this solicitation, I certify that this
firm/individual is properly licensed for providing the services specified herein.
UNDERSTAND & AGREE
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32
ATTACHMENT2–OfferorDataSheet(TOBECOMPLETEDBYOFFEROR)
1.
QualificationofOfferor:TheOfferormusthavethecapabilityand
capacityinallrespectstofullysatisfyallofthecontractual
requirements.
Williams & Fudge’s experience is extensive and can be observed
throughout this document. Student loan and receivable collections are not only our
area of specialization, IT IS OUR ONLY BUSINESS!
Important information to remember:










Williams & Fudge has been in business since July 18, 1986.
Williams & Fudge was the first collection agency to implement the
Professional Practices Management System (PPMS) through ACA
International, The Association of Credit and Collection Professionals.
Williams & Fudge has never lost a client due to client service or recovery
concerns.
In 2013, for the fifth year in a row, Williams & Fudge was named Winner of
the Best Places to Work in Collections (large company category).
Williams & Fudge has its Statement on Standards for Attestation Engagements
No. 16 (SSAE 16) certification for Service Organizations
Williams & Fudge is PCI-DSS certified
Collectively, the management team has over 219 years of experience in sales
and collections.
Williams & Fudge’s staff has been employed an average of 4.2 years.
Williams & Fudge’s management is involved with national leadership: Bob
Perrin, President, is immediate-past president and continues to serve on the
executive board of the Coalition of Higher Education Assistance Organization
(COHEAO); Gary Williams, CEO, is a past president of ACA International; Clay
Goodyear, Vice President of Collections, is a certified instructor through ACA
International; and David Williams, Executive Vice President, is President of the
South Carolina Collectors Association.
Williams & Fudge specializes in the collection of student loans and accounts
receivables for colleges and universities. Currently 99.9% of our gross revenue
comes from higher education debt collections.
Williams & Fudge was founded in 1986 and is a family owned business with the
purpose of serving the higher education community. We aid colleges and universities in
the recovery of education-related receivables. Specific debt types include Perkins
Loans (Cohort management), tuition, campus-based institutional loans, Health
33
1.
requirements.
Profession and Nursing Student Loans, private education (alternative) loans, and
other receivables such as parking, room, board, and library fines. We also assist with
Early Intervention programs to prevent students from reaching collections status.
With this purpose in mind, the goals at Williams & Fudge include providing
excellent collections and customer service; supplying college management with
information on current support systems provided by the Departments of Education
and Health & Human Services; advising deserving borrowers of cancellations,
postponements, and deferments; being knowledgeable of the different billing
agencies; and furnishing current information about the loan programs as provided by
the federal government and educational support organizations. Our excellence in
the management of cohort default rates has earned Williams & Fudge a national
reputation.
Williams & Fudge takes pride in our commitment to the client, as well as the
borrower. Realizing we are an extension of our client’s office, we approach
students with a debt counseling approach rather than hard core collections seen in
other industries. By restricting our collection services to colleges and universities,
we can fully appreciate the importance of our clients’ reputation.
Williams & Fudge maintains a single collections office in Rock Hill, SC, to
collect from students located all over the United States and in many foreign
countries. This single collections office concept promotes excellent communications
between our clients and our account representatives, as well as allows the
supervision and education needed to ensure the best possible collections. To better
serve our clients; sales offices are located in Broomfield, CO, Bakersfield, CA, and
Winston-Salem, NC.
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1.
requirements.
Williams & Fudge currently employs three hundred and sixty-four (364)
employees. The following is the personnel breakdown:
DEPARTMENT
Management
Account Representatives
Training
Information Technology
Compliance
Accounting
Client Support
Sales
Marketing
Special Projects
Team Leaders
FULL-TIME
7
296
4
6
3
1
17
8
1
PART-TIME
3
1
1
1
15
Account representatives at Williams & Fudge are assigned a portfolio that
averages 700 accounts. All of our account representatives work exclusively with
college/university portfolios.
Williams & Fudge is a privately held corporation. Stockholders of the
corporation are Gary L. Williams, David C. Williams, and Alice Williams Davis.
Williams & Fudge has no financial interest in any other contracting firm or
organization. The company has not been, nor is it considering being a party to any
mergers or acquisitions. We have never had any liens or judgments resulting from
litigation against the company or its officers since the onset of business, July 1986.
Williams & Fudge has never had a name change.
It is the belief of Williams & Fudge that successful collections are determined by
the technical knowledge and training of each of our account representatives. Other
important tools include: collection and early intervention programs, the process of
recovering lost dollars, and the technical means that are utilized to locate consumers.
Although our collection process remains the same for collection of both federal
loans and student account receivables, our account representatives do understand that
there are some basic differences that are important when approaching the consumer with
a plan to resolve the debt.
Williams & Fudge shall promptly undertake, through proper and lawful means, the
collection of all accounts referred by the University, and collect regardless of the amount.
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1.
requirements.
Williams & Fudge shall not, under any circumstances, use any threats,
intimidation, or harassment of the consumer in the collection of accounts or violate any
guidelines established by the Fair Debt Collection Practices Act.
Williams & Fudge will perform contracted functions in compliance with all current
and future provisions of The Fair Debt Collection Practices Act, Consumer Credit
Protection Act (Public Law 95-109), Family Educational Rights and Privacy Act (FERPA),
Fair Credit Reporting Act (FCRA), Telephone Consumer Protection Act (TCPA), Consumer
Financial Protection Bureau (CFPB), National Defense (Federal Perkins) Education Act of
1958, Title II, and the Public Health Service Act Titles VII, and VIII. Regarding federal
regulations pertaining to the Higher Education Act of 1965 Title IV, as amended,
specifically those statutory provisions in Section 668.25 (contracts between an institution
and third-party servicer); Williams & Fudge agrees to comply with all current and future
applicable requirements.
There are three primary issues that directly affect the student loan office. The first is
the Cohort Rate, the second is timely repayment by students and, the third is successful
collections of defaulted accounts.
We understand what it takes to remove an account from the cohort default rate.
Whether it is six consecutive monthly payments, checking the National Student
Clearinghouse for deferment eligibility, encouraging the filing of forbearance, or bringing
an account current, our account representatives understand the importance of a cohort
account to the Federal Perkins Student Loan Program. We also offer a free cohort precollect letter.
Our collection efforts are a major resource for replenishing the loan fund for current
and future students. Williams & Fudge is knowledgeable of federal regulations, and we
train our staff on issues regarding due diligence and collections.
Unlike the federal programs, there are no federal regulations or laws which
supersede the laws of individual states, with the exception of bankruptcy on student
account receivables. All of the Williams & Fudge account representatives are provided
with a breakdown of state laws and special requirements of each state. Several states
have collection practice laws that are more restrictive than the Fair Debt Collection
Practices Act; therefore it is important that our account representatives be informed of any
laws that are more restrictive in order to protect the interest of the college or university.
One of the major concerns in the collection of student receivable accounts is preserving
the statute of limitations. Our immediate objective when initiating collection activity on a
student receivable is to obtain confirmation of the account from the consumer.
Confirmation of a student account debt may be in the form of a written proposal for
payment, a letter acknowledging the legitimacy of the debt, or payment toward the
36
1.
requirements.
account. Any one of the above activities will reinstate or extend the statute of limitations
on an account.
Williams & Fudge account representatives must also have a basic understanding
of institutional policies and accounting methods. When communicating with a consumer,
our account representatives must be able to respond to questions regarding withdrawal
policies, penalties and fines, as well as why financial aid was or was not applied.
All Williams & Fudge account representatives have been trained in the laws of the
Fair Credit Reporting Act. They will advise the consumer how long a student account will
remain in the credit bureau if the college or university allows the student accounts to be
reported to national credit bureaus.
Our fully automated system gives us the online capability to monitor all activities of
our entire staff, including calls, letters, broken promises, time of day, duration of calls, etc.,
which can be done on a daily, weekly and/or monthly basis. Our collection floor is an open
environment with supervisors constantly moving around to assist collectors when needed.
Williams & Fudge software allows the acceptance of accounts by any means,
including automatic placements from the institution’s billing servicer, manual
placements, diskettes, tape-to-tape, FTP, web-based (www.wfcorp.com), or any other
format currently in use. We welcome the opportunity to receive placements
electronically. Electronic referrals are accepted on a daily, weekly, or monthly basis.
ACCOUNT PLACEMENT
Accounts received by Williams & Fudge are immediately placed for collection.
The accounts are reviewed for proper placement amount as prescribed by the contract
plus applicable state and federal laws. Upon placement on our software system, the
accounts are sent directly to batch processing and the following procedures occur:
1. Accounts are cross-referenced to all existing files.
2. Credit bureau reporting is established, if authorized.
3. Validation of debt notice is generated and mailed to establish contact with the
consumer.
4. Address on file is compared to the United States Postal Service National Change
of Address database (NCOA).
5. Any variation of the existing address is downloaded and our system is updated.
6. An electronic batch file is submitted to TLO and any phone numbers obtained are
updated in our system
7. An Acknowledgment Report is generated and sent to the institution.
8. Account is placed with collector for initial phone contact.
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1.
requirements.
Williams & Fudge account representatives have a designated collection unit that
is incorporated within our collection software. Each unit has a pre-set number of
accounts that can be maintained for that collector. Current account size per unit ranges
from 569 to 860 with an average of 700 accounts per account representative.
The collection system has been programmed to search and transfer a new
placement to any collection unit that is in need of additional accounts. Account
representatives are trained to collect both Federal Perkins and institutional student
receivables; therefore there is not any discrimination of accounts being place-based on
the debt type or balance.
Accounts upon placement are coded status code 11 (Account Activation) and
remain in this status code for the first 60 days or until successful contact is made with
the consumer. Accounts in status code 11 are required to be worked daily for the first
three days and then every seven days thereafter until account is 60 days old or a
successful arrangement has been made with the consumer. Steps during this period
include calling all available numbers (home, place of employment, cell, co-maker,
neighbor, parent, reference, relative, etc.) as well as thorough skip tracing through
Accurint, credit bureaus, Facebook, PIPL.com, TLO and other internet skip tracing
sights.
Williams & Fudge collectors maintain ownership of new placements for 150
days from the date of placement. Ownership of accounts beyond the 150 days of
placement will be maintained only if the account has an on-going payment arrangement,
post-date series, consolidation, promise to pay, or a payment within the last 60 days.
Any account not meeting the criteria will be transferred from the original unit on the 151st
day, placed in a pooled collection unit, and then placed with another collector utilizing
an auto-assign process. The “2nd effort” collector (commission rate does not change for
the client) will have 120 days to successfully get the account into repayment. Any
account not in repayment or in the process of successful collections after 271 days will
be reviewed for final resolution and sent to the Final Effort collectors or to Legal. The
collector with last ownership of the account will be responsible for the successful
collection by the Final Effort collectors.
Williams & Fudge account representatives are trained to assist the consumers
in recognizing the need to clear their balances. Our recommendations for full payment
include monies from savings accounts, retirement accounts, other investments, life
insurance policies, parents and other relatives, etc. OUR ACCOUNT
REPRESENTATIVES ARE COUNSELORS! We also suggest consolidation of bills,
credit unions, etc. The consumer is normally given three working days to respond to
our request for payment.
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requirements.
During follow-up conversations with the consumer, we continue to stress the
need to clear the balance immediately. Urging the consumer to fulfill his or her
obligation increases our level of recovery.
Evaluation of our placement process is continual to ensure that each unit is
balanced and opportunities are available for each account representative. Our clients
receive an added benefit in knowing that the entire staff of Williams & Fudge has been
trained to work each individual Institution’s accounts.
The monitoring of staff efforts is a two-fold process. Evaluation of performance
requires the personal touch as well as data analysis. All accounts must be worked at a
minimum of every fourteen days, with the exception of cohort accounts which must be
worked every seven days. Through the use of our compliance chains, our software
system monitors this automatically. Compliance chains force accounts to be worked
within the prescribed time frames.
Williams & Fudge firmly believes in the philosophy that the best monitoring and
training is via a one-to-one working relationship between the manager and the account
representative. Our collection managers sit down on a continual basis with the account
representatives and listen to their conversations with consumers. The purpose of this
exercise is to provide support, recommendations, and praise.
As part of the monitoring and evaluation process collection managers perform
spot audits on accounts. Accounts selected are random-based to insure that a
balanced review is done. The collection managers evaluate the frequency and quality
of contacts then discuss their findings with the account representatives.
METHODS OF PAYMENT
Williams & Fudge accepts the following forms of payment:











Automated Clearing House (ACH)
Personal checks
Visa/MasterCard/Discover
Certified Funds (bank check, money order, etc.)
Electronic Funds Transfer (EFT)
Military allotment
Cash
Check by Phone
Post-dated checks
Western Union
Loan Consolidation
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1.
requirements.
Consumers can also make on-line payments via www.wfpayaccounts.com or from
their smart phone (iPhone and Android) through the use of Williams & Fudge’s mobile
application, WF Mobile. A secure application, WF Mobile enables Williams & Fudge
account holders’ mobile access to review balances, make payments and communicate
directly with a Williams & Fudge account representative. WF Mobile can be
downloaded for free from iTunes or Google Play. It’s free, easy to use and convenient!
Williams & Fudge’s goal is to achieve collection success within the guidelines of
the Fair Debt Collections Practices Act. Our first collection attempt is always to collect
the balance. If this is not possible, payments are then established in accordance with
the consumer’s ability to repay the debt. The account representative explains to the
consumer that this may be temporary and a reevaluation will be done in six months to
reassess the consumer’s ability to pay. At that time, the payment arrangements may be
increased or the consumer may be asked to pay in full. Typically, this process is done
after a financial analysis review.
Williams & Fudge account representatives expect the consumer to sign a
renegotiated payment agreement should this be the only way to ensure recovery. This
signed agreement re-establishes an agreement between the former student and the
institution. For accounts set up on a post-date (ACH or credit card) series a reminder
letter is sent 7-10 days prior to the payment date. Williams & Fudge does not have a
minimum payment. We work with your consumers to determine acceptable payment
amounts to the Institution and consumer.
Payment arrangements are not taken lightly. Williams & Fudge account reps
monitor consumers’ payment schedules and immediately follow up when the payment is
not received on the scheduled date. The consumer is called immediately and a solution
is secured that day. A quick response to broken arrangements results in re-establishing
payments.
SKIPTRACING
Upon placement of the account the address on file is compared to the United
States Postal Service National Change of Address database (NCOA). Any variation of
the existing address is downloaded and our system is updated. For all new accounts
placed an electronic batch file is submitted to TLO and any phone numbers obtained
are updated in our system for confirmation by the account representatives.
Williams & Fudge constantly explores and uses the latest in skip-tracing
technology. The following is representative of most of our procedures. All of our staff
are on the web. This enables us to communicate with you, skip-trace through the many
40
1.
requirements.
databases on the web, and to communicate with skip-tracing sources (those who do not
accept phone calls) for additional information.
There are many excellent tools for locating consumers. Williams & Fudge skiptracing capabilities include all traditional methods of research and the following
methods, which are fairly unique to collection agencies:
NATIONAL CREDIT BUREAUS: We have electronic access to national credit bureaus.
These files are accessed by our account representatives for research, skip-tracing, and
asset location of the consumer.
ELECTRONIC CITY DIRECTORIES: Through the use of directories such as Accurint,
Copernic, eBureau and CBCInnovis, we can access any community in the nation by
street, phone number, or name. We can retrieve the names and phone numbers of ten
nearby neighbors and determine who is the owner of the phone number.
U.S. POST OFFICE SEARCH: All consumer addresses of accounts placed with our
agency for collection are cross-referenced electronically through the U.S. Post Office’s
NCOA (National Change of Address) data base.
INTERNET: All account representatives have access to the Internet skip-tracing
locations (white and yellow pages). A few of the many locations they access include:
Facebook
Switchboard HITP
National Assoc. of Credit
pipl
Netscape People Search
411 White Pages
Area Code Look up
National Student Clearinghouse
US Postal Service
LinkedIn
www.facebook.com
www.switchboard.com
www.nacm.org
www.pipl.com
www.netscape.com
www.411.com
www.555-1212.com
www.studentclearinghouse.org
www.usps.com
www.llinkedin.com
CALLER ID: We utilize caller identification, which enables us to capture the phone
number on all incoming calls.
TRADITIONAL METHODS: We still use the old methods of contacting neighbors (as
the law allows), previous and current employers, libraries, tax offices, postal carriers,
etc.
41
1.
requirements.
WILLIAMS & FUDGE PROPOSED PERSONNEL
One of the attributes that distinguishes Williams & Fudge is our commitment to
excellent customer service. It is not merely a public relations slogan; it is the goal of
each department. There are many management slogans and philosophies in the
business world today on how to treat the customer. Williams & Fudge’s philosophy is
simple: OUR CLIENTS ARE OUR BOARD OF DIRECTORS.
The methods utilized by Williams & Fudge to record, verify and report on our
services include, but are not limited to:
1) Periodic campus visits by our sales representatives to discuss any outstanding
issues, provide updated performance (recovery) results, and/or perform
necessary training.
2) Quality service calls are made by the Williams & Fudge client support
representatives. These calls are to ensure 100% client satisfaction and assist us
in finding areas where we can improve.
3) Annual client surveys are personally delivered by Williams & Fudge sales
representatives to all clients with the request to share opinions and concerns, if
any, with us. The survey gives our clients an opportunity to let us know how we
are doing in the areas of customer service, accounting, technology, and
collections. The surveys are self-addressed with Gary Williams’ home address
and reviewed not only by Gary, but each member of the Williams & Fudge
management team.
We are so serious about our focus on customer service that we have an entire
department dedicated for that function alone. Williams & Fudge’s client support
department consists of two team leaders, seventeen full-time and one part-time
representative. The Client Support department reports directly to the VP of Sales.
Each client service representative is teamed with a Williams & Fudge sales
representative and is dedicated to specific clients. This team approach allows for
relationship-building and quality service based on each client’s respective needs. This
department is the first stop for all of your needs.
A few examples of the assistance that the client support personnel provide for
our clients:




Assistance with Loan Verification Certificates during the consolidation process
Answer questions regarding statement and placement issues
Provide Cohort review reports
Coordinate proof of debt documentation for accounts in dispute
42


Liaison with the collection staff to communicate and acquire specific information
to resolve account issues
Quality Service calls each quarter to make sure we are addressing any special
issues and refining the we provide for our clients
The client support staff is available by phone, fax or email Monday through
Thursday from 8:00AM to 7:00PM (EST) and on Fridays from 8:00 AM until 5:00PM
(EST). The proposed personnel to be assigned to Longwood University are as follows.
43
Your Williams & Fudge Team
BJ Lee
Associate Vice President of Sales
bjlee@wfcorp.com
1-800-849-9791, ext. 2120
Fax: 803-326-4455
Forsythe College
37 years of sales & collections experience
Cindy Parham
Team Leader
cparham@wfcorp.com
1-800-849-9791, ext. 2102
Fax: 803-326-4511
Rock Hill High School
20 years of sales & collection experience
Lisa Tillman
Team Leader
ltillman@wfcorp.com
1-800-849-9791, ext. 2131
Fax: 803-326-4557
York Technical College
26 years of sales & collection experience
Christopher P. Ruh
Executive Vice President of Sales
cruh@wfcorp.com
1-800-849-9791, ext. 2160
Fax: 803-326-4535
University of South Carolina
21 years of sales & management experience
300 Chatham Avenue ● PO Box 11590 ● Rock Hill, SC 29731
803.329.9791 ● toll-free 800.849-9791 ● fax 803.329.0797
www.wfcorp.com
44
Bronda J. (BJ) Lee
History
June 1992 - Present
June 1977- June 1992 Wachovia Student Financial Services, Inc.
Senior Support Representative, Marketing Office
Professional Background
Education:
Forsyth Technical College, Executive Secretary
Salem College – Business Administration
American Banking Association - Accounting I and II, English,
Presentations, Statistical Analysis, Telephone Communications
Professional Associations:
South Carolina Association of Financial Aid Administrators
North Carolina Association of Financial Aid Administrators
ACA International Certified
ACA Higher Education Collection Specialist
Community Involvement and Personal Interests
Beach Shag & Salsa Dancing
Zumba Aerobics at YWCA
College Sports
Past Co-President, Elementary PTA
Chairperson, Women’s Fellowship
Church Hand Bell Choir
Teacher in Children’s Church
Wednesday Night Church Congressional Meals Assistant
Red Hat Society Member
Grandchildren’s Travel Hockey & Sports Activities
45
Cindy Parham
Team Leader
History
January 2011 – Present
Team Leader
September 2005 – January 2011
Assistant Manager of Client Support
April 2001 – August 2005
Client Services Representative
January 1994 – March 2001
Account Representative
March 1990 – April 1991
Sear’s
Collections Representative
Education:
Rock Hill High School
ACA International Certified
Higher Education Collection Specialist
Family & Friends
Church Activities & Functions
46
Lisa Tillman
Team Leader
History
January 2011 – Present
Team Leader
October 2008 – January 2011 Williams & Fudge, Inc.
Client Support Assistant Manager
July 2004 - September 2008
Assistant Manager of Client Services
October 1987 – June 2004
Accounting Manager
Education:
Lancaster High School
ACA Professional Collection Specialist
ACA Certified Collector
AWANA’s Sparks Director
Family
Reading
USC Football Fan
Basketball Games
Singing
Pets..Callahan (cat) & Max (German Shepherd)
47
Executive Management Team
Gary L. Williams,
CEO
Gary has been involved and innovative in student loan management since 1978.
Since founding Williams & Fudge in 1986, Gary has grown the company to be one of
the leaders in the student loan collection industry. Being very knowledgeable of the
industry has allowed Gary to speak at many student loan and collection conferences.
Gary served as President of ACA International, the Association of Credit and
Collection Professionals. He also served in national leadership positions including
Vice President, Treasurer, and on the Board of Directors of this 5,400-member
organization. This national leadership enables him to communicate with the top
government collection agencies in the country. Locally, he was elected by the citizens
of Rock Hill to serve on the School Board and has served the community through
his church, Boy Scouts, the Museum of York County, and York County Community
Foundation. He is currently Chairman of the Deacons at his church, President of
Winthrop University Foundation, And Area 5 President of the BSA. He also was
recently honored by Winthrop University with an Honorary Doctorate of Humane
Letters.
Robert J. Perrin, President
Since 1980, Bob has been directly involved in the daily operations of student loan
management. For eleven years, he directed the fourteen Federal loan programs for the
University of South Carolina’s nine campuses. Under his leadership, the default rate
was drastically reduced from 27.9% to 2.1%.
Bob has served as Treasurer, Secretary, Vice President and President of COHEAO
(Coalition Of Higher Education Assistance Organization). He is currently immediatepast president and continues to serve on the executive board of COHEAO. He is
also involved on the national scene through recent presentations on Electronic
Payments, Web Usage For Collection Agencies, Agency Interfacing, and Default
Reduction Management in conferences held in Florida, Chicago, Boston, Atlanta, and
Washington. He is in constant communication with the Departments of Education
and Health & Human Services on issues facing loan administrators.
48
Executive Management Team (Cont.)
David C. Williams, Executive Vice President
David has been employed at Williams and Fudge full time since August of
2000, previous to that spending time as an account representative. After spending
six years in the sales and marketing area, David moved inside to become a part of the
executive management team and help with all facets of the company. These include,
but are not limited to finance, compliance, human resources, technology, client
services, and overseeing projects related to the growth of the organization.
David has served as Treasurer, Vice President, and President of the South
Carolina Collectors Association, and currently serves as the South Carolina delegate
to ACA International’s Council of Delegates. Nationally, David serves as Chairman of
ACA’s PPMS Committee, is a member of their Governance Task Force, and also serves
on the ACPAC committee of ACA. Locally, David serves on many Boards including
that of the York Technical College Foundation, a Winthrop University Advisory
Board, the Upper Palmetto YMCA, and is or has been involved in many other local
organizations and events.
Christopher P. Ruh, Executive Vice President Of Sales
Chris joined us after having worked extensively in management and training
with a large national company. He has a wealth of business knowledge and a vast
understanding of the importance of customer/employee relations. After four years as
a sales representative, Chris was promoted to his current position in January 2003.
In addition to attaining the Scholar Degree from ACA International, The
Association of Credit and Collection Professionals; Chris holds certifications as a
Professional Collection Specialist (PCS) and Higher Education Collection Specialist
(HECS). He is involved locally with the Boy Scouts of America, currently serving as
the York District Chairman, and the Arts Council of York County.
Clay Goodyear, Vice President Of Collections
Clay has been in the collection industry since 1986. His management experience in
the collection industry has equipped Clay to meet the corporate training needs of the
Williams & Fudge staff.
Clay has earned the degree of Fellow in Collection Business Management,
which is the ACA International’s highest scholastic achievement award in continuing
education. Additionally, public speaking skills make Clay a valuable asset for collection
instruction for all of our clients.
49
Executive Management Team (Cont.)
Chad Echols, Outside General Counsel
Chad joined Williams & Fudge in August of 2003 as the company’s Corporate
Counsel. He currently serves as Outside General Counsel managing the company’s
legal compliance issues, employment law issues, contracts, and litigation defense. He
is the owner of The Echols Firm, LLC located in Rock Hill. Chad is an active member
of the South Carolina Bar Association, the York County Bar Association, and the
ACA International Member Attorney Program (MAP). Chad serves as the South
Carolina State Chair for MAP.
In addition to practicing law Chad is an Elder at Oakland Avenue Presbyterian
Church, on the board of the York County Clemson Club, serves as a business leader
advisor to the Winthrop University Development Office, serves on the board of
directors for the York County Department of Disabilities and Special Needs, and
enjoys time with his wife and two children.
Patricia Palm, Director Of Human Resources
Tricia joined the staff of Williams & Fudge as the Human Resources Manager
in May 2006. Since 1997, Tricia has managed the Human Resources operations as
well as the Safety functions for a wholesaler, retailer and distributor of fuel oils.
She has a broad background of experience in Human Resources as well
as being an adjunct faculty for a Minnesota Technical College. Tricia’s experience
working in a family business will be an asset to the HR mission and strategic goals at
Williams & Fudge.
Ronnie Collins, Controller
Ronnie came to Williams & Fudge in March 2012 with over 12 years of service
in public and private accounting, most recently having worked for a multinational
textile company.
As a certified professional accountant, he brings a wealth of experience
with financial and managerial accounting, budgeting and forecasting, and business
analysis. His responsibilities with the company include developing and sustaining
an in-house management reporting platform to ensure that accurate and timely
financial information is available to support the management team.
50
3.
References:Indicatebelowalistingoffour(4)recentorpresent
contractswitheducationalinstitutionsforwhichyouhaveprovided
thistypeofservice.Includetheclientnameandaddress,dates
servicewasfurnished,thenameandtelephonenumberoftheperson
theAgencyhasyourpermissiontocontactandrecoverypercentage.
The following pages contain reference letters from Williams & Fudge clients
along with our entire client list.
51
52
53
54
55
56
ST
CLIENT
CONTACT
AK
Kenai Peninsula College
Solodtna, AK
AK
Mat-Su College
Palmer, AK
AK
Prince William Sound Community
College
Valdez, AK
University of Alaska - Anchorage
Anchorage, AK
Niki Countryman
907-262-0303
nrcountryman@kpc.alaska.edu
Maggie Boman
907-746-9326
mcboman@matsu.alaska.edu
Nan Haley
907-834-1621
nhaley@pwscc.edu
Nicolette Sauro
907-786-6146
annms1@uaa.alaska.edu
Janis Whitfield
907-474-2717
janice.whitfield@alaska.edu
Pat Yearty
907-796-6322
peyearty@uas.alaska.edu
Al Williams
256-372-5902
alfred.williams@aamu.edu
Stephanie Grant
334-229-8398
sgrant@alasu.edu
Mike McCoy, CPA
256-216-3303
mccoymh@athens.edu
Julie Trussell
334-844-3762
trussje@auburn.edu
Tammie Thompson
334-244-3833
tmoody1@aum.edu
Amberley Clark
205-387-0511
aclark@bscc.edu
Tracy Wilson
205-226-4636
thunter@bsc.edu
Angie Evans
256-306-2682
ahe@calhoun.edu
Christine Cupp
334-291-4935
christine.cupp@cv.edu
AK
AK
University of Alaska - Fairbanks
Fairbanks, AK
AK
University of Alaska - Juneau
Juneau, AK
AL
Alabama A & M University
Normal, AL
AL
Alabama State University
Montgomery, AL
AL
Athens State University
Athens, AL
AL
Auburn University
Auburn, AL
AL
Auburn University at Montgomery
Montgomery, AL
AL
Bevill State Community College
Jasper, AL
AL
Birmingham Southern College
Birmingham, AL
AL
Calhoun Community College
Decatur, AL
AL
Chattahoochee Valley Community
College
Phenix City, AL
DATE
SERVICE
BEGAN
7/31/2012
2/10/2012
2/13/2012
7/19/2011
7/19/2011
7/19/2011
12/14/2005
10/1/1995
8/27/2009
6/1/1998
10/1/1998
11/1/1993
4/8/2008
5/26/2010
4/24/2006
57
ST
CLIENT
CONTACT
AL
Concordia College
Selma, AL
AL
Education Corporation of America
Huntsville, AL
AL
Faulkner University
Montgomery, AL
AL
Gadsden State College
Gadsden, AL
AL
Heritage Christian University
Florence, AL
AL
Huntingdon College
Montgomery, AL
AL
Jacksonville State University
Jacksonville, AL
AL
Judson College
Marion, AL
AL
Lawson State Community College
Birmingham, AL
AL
Lurleen B. Wallace Community
College
Andalusia, AL
Miles College
Birmingham, AL
Dexter Jackson
334-874-5700
djackson@concordiaselma.edu
Veronica Rico
256-424-4249
veronica.rico@ecacolleges.edu
Annette Bylsma
334-386-7167
abylsma@faulkner.edu
Jacqueline C. Henderson
256-549-8695
jhenderson@gadsdenstate.edu
Freddie P. Moon
256-766-6610
pmoon@hcu.edu
Belinda Duett
334-833-4519
bduett@huntingdon.edu
Alice Wudarczyk
256-782-5462
awudarc@jsu.edu
Doris Wilson
334-683-5157
dwilson@judson.edu
Monique Silas
205-929-6350
msilas@laswsonstate.edu
Debra Moody
334-881-2218
djmoody@lbwcc.edu
Angela Woods
205-929-1661
awoods@miles.edu
Juanita McLendon
256-726-8264
jmcclendon@oakwood.edu
Joyce Sells
251-578-1313
jphelps@rst.edu
Linda Sneed
205-726-2767
lcsneed@samford.edu
Miriam Cooper
205-391-2454
mcooper@sheltonstate.edu
AL
AL
Oakwood University
Huntsville, AL
AL
Reid State Technical College
Evergreen, AL
AL
Samford University
Birmingham, AL
AL
Shelton State Community College
Tuscaloosa, AL
DATE
SERVICE
BEGAN
10/14/2010
6/2/2008
10/1/1995
5/22/2006
2/10/2009
6/1/1991
1/1/2003
3/1/1994
9/25/2009
4/27/2012
10/1/1992
7/1/1994
7/12/2010
11/1/1993
1/1/2005
58
ST
CLIENT
CONTACT
AL
Spring Hill College
Mobile, AL
AL
Stillman College
Tuscaloosa, AL
AL
The University of West Alabama
Livingston, AL
AL
Tuskegee University
Tuskegee, AL
AL
Tuskegee Vet Clinic
Tuskegee, AL
AL
United States Sports Academy
Daphne, AL
AL
University of Alabama at
Birmingham
Birmingham, AL
University of Alabama in Huntsville
Huntsville, AL
Angela Strickland
251-380-2254
astrickland@shc.edu
Lois Gwinn
205-366-8868
lgwinn@Stillman.edu
Barbara Etheridge
205-652-3539
bhe@uwa.edu
Linda Gray
334-724-4555
ldgray@tuskegee.edu
Janett Phillips
334-724-4137
PHILIPSJ@Tuskegee.Edu
Annita Alldredge
251-626-3303
finance@ussa.edu
Bertina Coley
205-934-8201
bcoley@uab.edu
Anne Webb
256-824-2732
webba@email.uah.edu
Carrie Green
251-442-2250
cgreen@umobile.edu
Aleah Clark
256-765-4441
apclark@una.edu
Rick Schaffer
251-460-6584
rschaffer@usouthal.edu
Kay Gamble
334-556-2397
kgamble@wallace.edu
Debbie Peyton
501-683-4131
dpeyton@asla.info
Shirley Wallace
501-329-6872
swallace@cbc.edu
Stella Kreh
501279-4654
skreh@harding.edu
AL
AL
University of Mobile
Mobile, AL
AL
University of North Alabama
Florence, AL
AL
University of South Alabama
Mobile, AL
AL
Wallace Community College Dothan
Dothan, AL
Arkansas Student Loan Authority
Little Rock, AR
AR
AR
Central Baptist College
Conway, AR
AR
Harding University
Searcy, AR
DATE
SERVICE
BEGAN
10/1/1998
12/1/2001
8/18/2008
9/1/1992
6/13/2005
7/1/2004
5/1/1994
5/1/2002
3/1/2000
7/30/2009
12/1/1998
7/13/2010
4/18/2012
7/31/2012
1/1/2002
59
ST
CLIENT
CONTACT
AR
Henderson State University
Arkadelphia, AR
AR
Ouachita Baptist University
Arkadelphia, AR
AR
Southern Arkansas University
Magnolia, AR
AR
University of Arkansas
Fayetteville, AR
AR
University of Arkansas at Pine Bluff
Pine Bluff, AR
AR
University of Arkansas for Medical
Sciences
Little Rock, AR
University of the Ozarks
Clarksville, AR
Scott Freeman
870-230-5113
freemas@hsu.edu
Patty Jones
870-245-5587
jonesp@obu.edu
Vera Camp
870235-5045
vecamp@saumag.edu
Lee Ann Slamons
479-575-2003
lslamons@uark.edu
Tomie Johnson
870-575-7530
johnsont@uapb.edu
Gloria Kemp
501-686-6936
kempgloriad@uams.edu
Debbie Siebenmorgan
479-979-1216
dasieben@ozarks.edu
Young Chung
602-386-4145
young.chung@arizonachristian.edu
Michelle DalMolin
480-965-7861
michelle.dalmolin@asu.edu
Jayashree Ganesan
480-965-9442
jayashree.ganesan@asu.edu
Suada Hadzic
480-375-2376
shadzic@brownmackie.edu
Terry Towne
520-327-6866
ttowne@brownmackie.edu
Sandy Hembree
520-494-5245
sandra.hembree@centralaz.edu
Trae Morris
928-428-8223
trae.morris@eac.edu
Kelly Pittman
602-639-7643
kelly.pittman@gcu.edu
AR
AZ
Arizona Christian University
Phoenix, AZ
AZ
Arizona State University
Tempe, AZ
AZ
Arizona State University Grants and
Contracts Accounting
Tempe, AZ
Brown Mackie College - Phoenix
Phoenix, AZ
AZ
AZ
Brown Mackie College - Tucson
Tucson, AZ
AZ
Central Arizona College
Coolidge, AZ
AZ
Eastern Arizona College
Thatcher, AZ
AZ
Grand Canyon University
Phoenix, AZ
DATE
SERVICE
BEGAN
1/23/2012
6/1/2002
3/1/2004
11/11/2011
7/1/2000
3/26/1992
11/28/2011
2/4/2010
7/1/2004
6/25/2009
1/25/2010
1/16/2008
2/26/2010
3/11/2013
6/21/2007
60
ST
CLIENT
CONTACT
AZ
Northern Arizona University
Flagstaff, AZ
AZ
Northland Pioneer College
Holbrook, AZ
AZ
The Art Institute of Phoenix
Phoenix, AZ
AZ
The Art Institute of Tucson
Tucson, AZ
AZ
Thunderbird The School of Global
Management
Glendale, AZ
AZ
Universal Technical Institute, Inc.
Phoenix, AZ
AZ
University of Arizona
Tucson, AZ
AZ
Western Governors University
New River, AZ
AZ
Yavapai College
Prescott, AZ
CA
American Baptist Seminary of the
West
Berkeley, CA
American Career College
Costa Mesa, CA
Jeane Olson
928-523-6074
Jeane.Olson@nau.edu
Kerri Larson
800-266-7854
kerri.larson@npc.edu
Dorena Spitler
602-331-7510
dspitler@aii.edu
Kathy Love
520-318-2708
kecklove@aii.edu
Cinda Sharpensteen
602-978-7148
cinda.sharpensteen@thunderbird.ed
u
Mona Mejia
623-445-9508
mmejia@uticorp.com
Veronica Pineiro
520-621-3510
vpineiro@email.arizona.edu
Kim Puckett
801-993-2319
kpuckett@wgu.edu
Susan Godby
928-776-2138
susan_godby@yc.edu
Regina Pridgeon
510-841-1905
rpidgeon@absw.edu
Sheila Strong
714-415-6512
sstrong@americancareer.com
Matt Jones
415-439-2423
mjones@act-sf.org
Muniece Burton
714-338-6323
mburton@argosy.edu
Elisa Montano
310-866-4040
emontano@argosy.edu
Suzanne Johnson
619-321-3053
sujohnson@argosy.edu
CA
CA
American Conservatory Theater
San Francisco, CA
CA
Argosy University - Orange County
Santa Ana, CA
CA
Argosy University - Santa Monica
Santa Monica, CA
CA
Argosy University San Diego
San Diego, CA
DATE
SERVICE
BEGAN
6/30/2005
2/11/2013
10/30/2004
3/3/2009
5/15/2004
3/18/2010
7/15/2005
6/19/2006
9/1/2004
9/9/2011
1/8/2008
7/9/2008
1/5/2007
9/28/2007
9/28/2007
61
ST
CLIENT
CONTACT
CA
Ashford University Online
San Diego, CA
CA
Azusa Pacific University
Azusa, CA
CA
Biola University
La Mirada, CA
CA
Brown Mackie College - Boise
Bakersfield, CA
CA
Cabrillo College
Aptos, CA
CA
California Baptist University
Riverside, CA
CA
California Institute of the Arts
Valencia, CA
CA
California Lutheran University
Thousand Oaks, CA
CA
California Polytechnic State
University
San Luis Obispo, CA
California State Polytechnic
University
Pomona, CA
California State University,
Bakersfield
Bakersfield, CA
California State University, Chico
Chico, CA
Scott Elders
866-475-0310
Scott.Elders@bridgepointeducation.c
om
Tracy McFate
626-815-4693
tmcfate@apu.edu
Gwenn Schwartz
562-944-0351
gwenn.schwartz@biola.edu
Dolly Lau
208-321-8766
dlau@brownmackie.edu
Shelley West
831-477-5645
shwest@cabrillo.edu
Heidi Pendleton
951-343-4571
hpendlet@calbaptist.edu
Andrea McGuff
661-253-7847
andrea.mcguff@calarts.edu
Michele Starr
805-493-3518
mstarr@callutheran.edu
Janice Anderson Day
805-756-2608
jday@calpoly.edu
Beth Crisostomo
909-869-2039
lcrisostomo@csupomona.edu
Isabel Rivera
661-654-2236
irivera@csub.edu
Darnell Lee
530-898-6083
dmlee@csuchico.edu
Brian Thiele
310-243-2225
bthiele@csudh.edu
Florence Olney
510-885-2850
flo.olney@csueastbay.edu
Melissa Waite
559-278-4168
mmaxwell@csufresno.edu
CA
CA
CA
CA
CA
CA
Dominguez Hills
Carson, CA
California State University, East Bay
Hayward, CA
California State University, Fresno
Fresno, CA
DATE
SERVICE
BEGAN
12/14/2007
9/1/2004
3/16/2012
7/8/2009
3/20/213
11/15/2004
1/11/2012
11/11/2009
1/1/2005
10/1/2005
1/1/2005
8/29/2007
5/4/2007
1/31/2007
1/1/2005
62
ST
CLIENT
CONTACT
CA
California State University, Fullerton
Fullerton, CA
CA
California State University, Long
Beach
Long Beach, CA
California State University, Los
Angeles
Los Angeles, CA
Monterey Bay
Seaside, CA
Sacramento
Sacramento, CA
California State University, San
Bernardino
San Bernardino, CA
California State University, San
Marcos
San Marcos, CA
Stanislaus
Turlock, CA
Church Divinity School of the Pacific
Berkeley, CA
Joyce Cross
657-278-3656
jcross@fullerton.edu
Maureen Wilson
562-985-4227
mwilson@csulb.edu
Tina Mimiaga
323-343-3596
tmimiag@cslanet.calstatela.edu
Christine Frederick
831-582-4071
christine_frederick@csumb.edu
Elena Larson
916-278-6845
miscel@csus.edu
Camille Cicotello
909-537-5160
ccicotel@csusb.edu
Nasrin DeCoux
760-750-4484
ndecoux@csusm.edu
Delfin Guillory
209-667-3978
DGuillory@csustan.edu
Ellen Peterson
510-649-2434
epeterson@gtu.edu
Rob'n Lewis
909-607-7050
rob'n.lewis@cgu.edu
Kathy Benz
661-362-3032
kathy.benz@canyons.edu
Melani Schultz
310-549-4444
mschultz@crimsontech.edu
Vincent DeLeon
415-257-0188
vincent.deleon@dominican.edu
Lisa Lewis
808-898-4010
llewis@fielding.edu
Joellen Wooten
213-355-8010
joellen.wooten@fremont.edu
CA
CA
CA
CA
CA
CA
CA
CA
Claremont Graduate University
Claremont, CA
CA
College of the Canyons
Santa Clarita, CA
CA
Crimson Technical College
Los Angeles, CA
CA
Dominican University of California
San Rafael, CA
CA
Fielding Graduate University
Santa Barbara, CA
CA
Fremont College
Los Angeles, CA
DATE
SERVICE
BEGAN
1/1/2005
1/1/2005
1/1/2005
2/1/2006
1/1/2005
1/1/2005
2/1/2006
1/31/2007
12/10/2012
12/11/2006
10/30/2004
12/30/2008
7/5/2005
7/21/2011
9/13/2012
63
ST
CLIENT
CONTACT
CA
Fresno Pacific University
Fresno, CA
CA
Fuller Theological Seminary
Pasadena, CA
CA
Gemological Institute of America
Carlsbad, CA
CA
Golden Gate University
San Francisco, CA
CA
Graduate Theological Union
Berkeley, CA
CA
Humboldt State University
Arcata, CA
CA
International Career Development
Center
Culver City, CA
Loma Linda University
Loma Linda, CA
Stacie Benedict
559.453.7195
stacie.benedict@fresno.edu
Steve Gibbs
626-584-5469
gibbs@fuller.edu
Wendy Wang
760-603-4175
wendy.wang@gia.edu
Charlott Ameperosa
415-442-7841
cameperosa@ggu.edu
Ellen Peterson
510-649-2434
epeterson@gtu.edu
Emily Lyons
707-826-4940
esl11@humboldt.edu
Eleanor Metshin
323-468-0404
emetshinla@eicdccollege.com
Juanita Ibanez
909-558-1000
jibanez@llu.edu
Juanita Vysel
310-338-4485
jvysel@lmu.edu
Susie Woodhead
209-575-6828
woodheads@mjc.edu
Lynn Nakagawa
831-647-4112
lnakagaw@miis.edu
Yadira Barajas
323-259-2554
yady@oxy.edu
Russell Gordon
909-622-2921
russell.gordon@pacificbaptist.edu
Debbie Ow
510-559-2723
dow@plts.edu
Ellen Peterson
510-649-2434
epeterson@gtu.edu
CA
CA
Loyola Marymount University
Los Angeles, CA
CA
Modesto Junior College
Modesto, CA
CA
Monterey Institute of International
Studies
Monterey, CA
Occidental College
Los Angeles, CA
CA
CA
Pacific Baptist College
Pomona, CA
CA
Pacific Lutheran Theological
Seminary
Berkeley, CA
Pacific School of Religion
Berkeley, CA
CA
DATE
SERVICE
BEGAN
7/30/2007
12/19/2005
1/3/2006
3/11/2013
1/25/2010
1/15/2005
4/18/2008
11/4/2011
1/29/2010
8/14/2007
7/11/2005
4/8/2009
12/14/2011
3/4/2010
1/25/2010
64
ST
CLIENT
CONTACT
CA
Pacific Union College
Angwin, CA
CA
Pasadena City College
Pasadena, CA
CA
Pepperdine University
Malibu, CA
CA
Pomona College
Claremont, CA
CA
Saint Mary's College of California
Moraga, CA
CA
San Diego State University
San Diego, CA
CA
San Francisco State University
San Francisco, CA
CA
San Jose State University
San Jose, CA
CA
Santa Clara University
Santa Clara, CA
CA
School of Urban Missions
Oakland, CA
CA
Simpson University
Redding, CA
CA
Sonoma State University
Rohnert Park, CA
CA
Stanford University
Stanford, CA
CA
Stanford University School of
Medicine
Menlo Park, CA
The Art Institute of California Hollywood
North Hollywood, CA
Gerry Glantz
707-965-7128
gglantz@puc.edu
Naomi Arellano
626-585-7707
nxarellano@pasadena.edu
Geri White
310-506-4571
geri.s.white@pepperdine.edu
Meredith Hanson
909-621-8205
meredith.hanson@pomona.edu
Laurie Klizos
925-631-4575
lklizos@stmarys-ca.edu
Mary Myers
619-594-3318
mmyers2@mail.sdsu.edu
Diana Chow
415-338-1728
dma@sfsu.edu
Patti Burford
408-924-1615
patricia.burford@sjsu.edu
Tessa Romero
408-554-4416
tromero@scu.edu
Joseph Kim
510-567-6174
jkim@sum.edu
Melissa Hudson
530-226-4974
mhudson@simpsonu.edu
Colleen Hendon
707-664-2454
colleen.hendongreeott@sonoma.edu
Cynthia Terry
650-723-4887
cterry@stanford.edu
Adeline Shrewsbury
650-736-0447
adeline.shrewsbury@stanford.edu
Liz Kok
818-299-5205
lkok@aii.edu
CA
DATE
SERVICE
BEGAN
4/1/2004
4/15/2008
9/13/2007
9/20/2011
6/30/2004
1/1/2005
1/1/2005
2/18/2005
8/30/2005
10/24/2011
10/1/2001
1/25/2007
10/19/2005
7/23/2012
1/1/2005
65
ST
CLIENT
CONTACT
CA
The Art Institute of California Inland Empire
San Bernardino, CA
The Art Institute of California - Los
Angeles
Santa Monica, CA
The Art Institute of California Orange County
Santa Ana, CA
The Art Institute of California Sacramento
Sacramento, CA
The Art Institute of California - San
Diego
San Diego, CA
The Art Institute of California - San
Francisco
San Francisco, CA
The King's College and Seminary
Van Nuys, CA
Charmika Jenkins
909-915-2100
cjenkins@aii.edu
Jessica Steele
310-314-6017
jsteele@aii.edu
Isaac Garcia
714-830-0200
igarcia@aii.edu
Brett Daly
916-830-6965
bdaly@aii.edu
Geraldine Lee
858-598-1311
glee@aii.edu
Anna Wong
415.276.1056
awong@aii.edu
Norm Stoppenbrink
818-779-8271
nstoppenbrink@kingsseminary.edu
Jerry Ehlen
661-362-2214
jehlen@masters.edu
Korky Myers
858-822-2238
jmyers@ucsd.edu
Essie Legaspi
415-476-1904
essie.legaspi@ucsf.edu
Caryl Moise
831-459-5730
csmoise@ucsc.edu
Xochitl Martinez
909-593-3511
xmartinez@laverne.edu
Marilyn Martel
909-793-2121
marilyn_martel@redlands.edu
Cynthia Sanchez
619-260-4628
csanchez@sandiego.edu
David Lundy
415-422-2573
lundyd@usfca.edu
CA
CA
CA
CA
CA
CA
CA
The Master's College and Seminary
Santa Clarita, CA
CA
University of California, San Diego
La Jolla, CA
CA
University of California, San
Francisco
San Francisco, CA
University of California, Santa Cruz
Santa Cruz, CA
CA
CA
University of La Verne
La Verne, CA
CA
University of Redlands
Redlands, CA
CA
University of San Diego
San Diego, CA
CA
University of San Francisco
San Francisco, CA
DATE
SERVICE
BEGAN
10/30/2006
5/1/2004
9/1/2004
10/20/2008
3/1/2005
9/1/2004
8/1/2003
3/30/2007
11/14/2005
2/11/2011
1/3/2006
5/17/2010
12/14/2011
4/11/2012
5/30/2004
66
ST
CLIENT
CONTACT
CA
Wells Fargo
Rancho Cordova, CA
CO
Adams State University
Alamosa, CO
CO
Colorado Christian University
Lakewood, CO
CO
Colorado College
Colorado Springs, CO
CO
Colorado Mountain College
Glenwood Springs, CO
CO
Colorado State University - Pueblo
Pueblo, CO
CO
Denver Seminary
Littleton, CO
CO
EcoTech Institute
Aurora, CO
CO
Fort Lewis College
Durango, CO
CO
Jones International University
Centennial, CO
CO
Naropa University
Boulder, CO
CO
Nazarene Bible College
CO
Regis University
Denver, CO
CO
The Art Institute of Colorado
Denver, CO
CO
University of Colorado at Colorado
Springs
Han Cho
916-631-5490
han.o.cho@wellsfargo.com
Bennie Chacon
719-587-7760
bnchacon@adams.edu
Vicki Foster
303-963-3264
vlfoster@ccu.edu
Sharon MacLeod
719-389-6456
sharon.macleod@coloradocollege.ed
u
Willa Kane
970-945-8691
wkane@coloradomtn.edu
Lorraine Glaser
719 549-2937
lorraine.glaser@colostate-pueblo.edu
Julie Jensvold
303-762-6965
julie.jensvold@denverseminary.edu
Phillip Whaley
256-424-4253
phillip.whaley@ecacolleges.com
Beth Emrich
970-247-7382
emrich_b@fortlewis.edu
Tara Morgan
303-209-1345
tmorgan@jonesknowledge.com
Karen Leinberger
303-546-3563
karenl@naropa.edu
Jan Johnson
719-884-5024
JEJohnson@nbc.edu
Gina Gazotti
303-458-4254
rgazotti@regis.edu
Tanya Tamim
303-824-4767
ttamim@aii.edu
Cathy Brittain-Janssen
719-255-3355
cbrittai@uccs.edu
DATE
SERVICE
BEGAN
2/28/2008
5/13/2011
9/24/2008
6/1/2004
2/10/2012
2/24/2012
4/28/2006
2/22/2011
6/8/2012
7/22/2005
5/2/2006
11/5/2009
10/25/2006
10/24/2006
2/2/2012
67
ST
CLIENT
CONTACT
CO
University of Colorado at Denver
Denver, CO
CO
University of Colorado Boulder
Boulder, CO
CO
University of Northern Colorado
Greeley, CO
CO
Weston Distance Learning
Fort Collins, CO
CO
Westwood College Online
Westminster, CO
CO
Westwood Colleges
Denver, CO
CT
Trinity College
Hartford, CT
CT
University of Bridgeport
Bridgeport, CT
DC
American University
Washington, DC
DC
Gallaudet University
Washington, DC
DC
Georgetown University
Washington, DC
DC
Howard University
Washington, DC
DC
Johns Hopkins University School of
Advanced International Studies
Washington, DC
Potomac College
Washington, DC
Tonia Mosley
303-556-4794
tonia.mosley@ucdenver.edu
Lora Merriweather
303-492-5165
lora.merriweather@colorado.edu
Geri Landwehr
970-351-1824
geri.landwehr@unco.edu
Lori Faust
970-207-4532
lorif@westondistancelearning.com
Krystal Bruner
720-542-5749
KBruner@westwood.edu
Brooke Schoenbeck
303-846-1627
Bschoenbeck@westwood.edu
Dina Jorge
860-297-2027
dina.jorge@trincoll.edu
Vincent Marini
203-576-4333
vmarini@bridgeport.edu
Mounirah Khadar
202-885-3578
khadar@american.edu
Bernadine Bertrand
202-651-5145
bernadine.bertrand@gallaudet.edu
Linda Brooks
202-687-6582
brooksl@georgetown.edu
Angelia Jacobs
202-806-2585
ajacobs@howard.edu
Keith Parham
202-663-5870
kparham1@jhu.edu
Brian Carter
202-274-2318
brian.carter@potomac.edu
Tatjana Reese
202-319-4423
reese@cua.edu
DC
DC
The Catholic University of America
Washington, DC
DATE
SERVICE
BEGAN
2/2/2012
2/2/2012
9/10/2007
5/25/2012
4/1/2004
4/1/2004
1/10/2012
6/15/2005
5/1/2004
8/17/2005
3/26/2010
7/12/2006
2/19/2009
2/25/2010
8/1/2003
68
ST
CLIENT
CONTACT
DC
The George Washington University
Washington, DC
DC
Trinity University in Washington
Washington, DC
DC
University of the District of Columbia
Washington DC, DC
DE
University of Delaware
Newark, DE
DE
Wesley College
Dover, DE
FL
Ave Maria University
ave Maria, FL
FL
Barry University
Miami, FL
FL
Bethune-Cookman College
Daytona Beach, FL
FL
Brown Mackie College - Miami
Miami, FL
FL
College of Central Florida
Ocala, FL
FL
Daytona State College
Daytona Beach, FL
FL
Eckerd College
St. Petersburg, FL
FL
Edison State College
Fort Myers, FL
FL
Embry Riddle Aeronautical
University
Daytona Beach, FL
Florida A & M University
Tallahassee, FL
Sandi Barnes
202-994-9244
sabarnes@gwu.edu
Tracey Berman
202-884-9526
bermant@trinitydc.edu
David Garnett
202-274-5358
dgarnett@udc.edu
Karen Clark
302-831-8942
kdc@udel.edu
Scott Slacum
302-736-2493
slacumsc@wesley.edu
Pat Knight
239-280-2593
pat.knight@avemaria.edu
Rose Cieslar
305-899-3584
rcieslar@mail.barry.edu
Sandra Brown
386-481-2510
browns@cookman.edu
Orlpha Francois
305-341-6625
ofrancois@brownmackie.edu
Suzette Wallace
352-854-2322
wallaceu@cf.edu
Amy Iverson
386-506-3240
iversoa@daytonastate.edu
Angie Noronow
727-864-8016
noronoa@eckerd.edu
Dwain Keddo
239-489-9205
dwain.keddo@edison.edu
Paula Hogenmiller
386-226-4958
hogenmip@erau.edu
D'Andrea Cotton
850-412-5035
dandrea.cotton@famu.edu
FL
DATE
SERVICE
BEGAN
6/1/1999
2/28/2006
8/18/2005
4/4/2006
4/1/1994
9/2/2010
11/1/1997
5/1/1995
6/28/2006
11/1/1992
4/1/2001
6/1/1993
12/16/2011
1/1/1995
10/1/1999
69
ST
CLIENT
CONTACT
FL
Florida Atlantic University
Boca Raton, FL
FL
Florida Atlantic University
Boca Raton, FL
FL
Florida College
Temple Terrace, FL
FL
Florida Gulf Coast University
Fort Myers, FL
FL
Florida Institute of Technology
Melbourne, FL
FL
Florida International University
Miami, FL
FL
Florida International University
Foundation
Miami, FL
Florida Southern College
Lakeland, FL
Takia Collie
561-297-3121
tcollie@fau.edu
Deborah Gondol
561-297-3112
dgondol@fau.edu
Elizabeth McLain
813-899-6768
cyre@floridacollege.edu
Lisa Wasson
239-590-1203
lwasson@fgcu.edu
Laure Bennett
321-674-7544
lbennett@fit.edu
Monica Ochoa
(305) 348-7433
mnochoa@fiu.edu
Milagros Garcia
305-348-8377
milagros.garcia@fiu.edu
Suzanne Aycock
863-680-3946
seaycock@flsouthern.edu
Darlene Pike
904-632-3253
dpike@fscj.edu
John Bembry
850-644-9457
jbembry@admin.fsu.edu
Ben Schmidt
850-873-3562
bschmidt@gulfcoast.edu
Veronica Huotari
904-256-7077
vhuotar@ju.edu
Jeanette Robey
904-743-1122
jrobey@jones.edu
Loretta Campman
352-323-3681
campmanl@lscc.edu
Judy Kaczmarek
561-237-7192
jkaczmarek@lynn.edu
FL
FL
Florida State College at Jacksonville
Jacksonville, FL
FL
Florida State University
Tallahassee, FL
FL
Gulf Coast State College
Panama City, FL
FL
Jacksonville University
Jacksonville, FL
FL
Jones College
Jacksonville, FL
FL
Lake Sumter Community College
Leesburg, FL
FL
Lynn University
Boca Raton, FL
DATE
SERVICE
BEGAN
1/1/1997
1/2/1997
8/27/2008
5/1/1999
9/16/1994
5/1/1998
12/12/2006
10/1/1992
9/17/2007
5/3/2007
12/1/2002
10/20/2004
2/1/1989
11/8/2005
1/6/2006
70
ST
CLIENT
CONTACT
FL
Miami Dade College
Miami, FL
FL
Miami International University of Art
& Design
Miami, FL
Palm Beach Atlantic University
West Palm Beach, FL
Karin Marais
305 237 0045
karin.marais@mdc.edu
Dora Galecio
305-428-5663
dgalecio@aii.edu
Pat Begos
561-803-2152
begosp@pba.edu
Erin Jordan
561-868-3575
jordanr@palmbeachstate.edu
Brianne Hayes
727-816-3481
hayesb@phcc.edu
Brenda Carrier
850-484-1727
bcarrier@pjc.edu
Cindy Weiss
941-359-7512
cweiss@ringling.edu
Mandy Booker
407-646-2540
mbooker@rollins.edu
Anita Edwards
352-395-5625
anita.edwards@sfcollege.edu
Stephanie Hagen
727-738-6327
stephanie_hagen@schiller.edu
Jeanene Thomas
863-667-5437
mjthomas@seuniversity.edu
Shannon Sutton
239-939-4766
ssutton@swfc.edu
Michael Meigs
727-341-3313
meigs.mike@spcollege.edu
Carlos Chaves
305-628-6560
cchaves@stu.edu
Brian Johnson
386-822-7040
bljohnso@stetson.edu
FL
FL
Palm Beach State College
Lake Worth, FL
FL
Pasco-Hernando Community
College
New Port Richey, FL
Pensacola Junior College
Pensacola, FL
FL
FL
Ringling College of Art and Design
Sarasota, FL
FL
Rollins College
Winter Park, FL
FL
Santa Fe College
Gainesville, FL
FL
Schiller International University
Largo, FL
FL
Southeastern University
Lakeland, FL
FL
Southwest Florida College
Ft Myers, FL
FL
St. Petersburg College
St. Petersburg, FL
FL
St. Thomas University
Miami, FL
FL
Stetson University
DeLand, FL
DATE
SERVICE
BEGAN
10/1/1997
4/11/2005
7/1/2004
7/1/2000
6/29/2005
6/13/2007
9/29/2011
12/1/1989
4/1/1995
4/19/2010
10/1/1994
4/23/2010
8/28/2009
10/1/1995
3/1/2004
71
ST
CLIENT
CONTACT
FL
The Art Institute of Fort Lauderdale
Fort Lauderdale, FL
FL
The Art Institute of Tampa
Tampa, FL
FL
University of Central Florida
Orlando, FL
FL
University of Florida
Gainesville, FL
FL
University of Miami
Coral Gables, FL
FL
University of North Florida
Jacksonville, FL
FL
University of Tampa
Tampa, FL
FL
University Of West Florida
Pensacola, FL
GA
Abraham Baldwin Agricultural
College
Tifton, GA
Agnes Scott College
Decatur, GA
Jean Crawford
954-308-2184
jecrawford@aii.edu
Candice Oelze
813-393-5378
coelze@aii.edu
Jennifer Fetterly
407-823-3358
jennifer.fetterly@ucf.edu
Sheryl Smoak
352-392-0766
ssmoak@ufl.edu
Beverly Golden
305-284-4502
bgolden@miami.edu
Margaret Partyka
904-620-2449
mpartyka@unf.edu
Gladys Caraballo
813-253-3333
gcaraballo@ut.edu
Byron Barber
850-474-3039
bbarber@uwf.edu
Beverly Wesley
229-391-4912
bwesley@abac.edu
Reginald Walker
404-471-6432
rwalker@agnesscott.edu
Latundria Alexander
229-430-3728
latundria.alexander@asurams.edu
Karen Thomas
229-430-3525
kthomas@albanytech.edu
Taghreead Mansour
770-931-0282
allureschool@yahoo.com
Peggy Moore
229-732-5924
peggymoore@andrewcollege.edu
Sandy Randall
912-344-2649
Sandra.Randall@armstrong.edu
GA
GA
Albany State University
Albany, GA
GA
Albany Technical College
Albany, GA
GA
Allure Beauty School
Lilburn, GA
GA
Andrew College
Cuthbert, GA
GA
Armstrong Atlantic State University
Savannah, GA
DATE
SERVICE
BEGAN
3/1/1992
6/8/2005
1/1/1995
11/1/2004
5/1/1999
10/1/1994
9/1/1990
4/1/1998
12/1/1991
10/1/1992
3/1/1997
9/6/2012
6/27/2008
5/1/1993
11/22/2005
72
ST
CLIENT
CONTACT
GA
Atlanta Metropolitan College
Atlanta, GA
GA
Atlanta Technical College
Atlanta, GA
GA
Augusta State University
Augusta, GA
GA
Bainbridge College
Bainbridge, GA
GA
Brenau University
Gainesville, GA
GA
Brewton-Parker College
Mount Vernon, GA
GA
Brown College
Atlanta, GA
GA
Brown Mackie College - Atlanta
Atlanta, GA
GA
Central Georgia Technical College
Macon, GA
GA
Clark Atlanta University
Atlanta, GA
GA
Clayton State University
Morrow, GA
GA
College of Coastal Georgia
Brunswick, GA
GA
Columbus State University
Columbus, GA
GA
Columbus Technical College
Columbus, GA
GA
Dalton State College
Dalton, GA
Daphne Spillers
404-756-4442
dspillers@atlm.edu
Alveta Jones
404-225-4703
ajones1@atlantatech.edu
Susan Ennis
706-667-4150
sennis@aug.edu
Kay Owens
229-243-6439
kowens@bainbridge.edu
Holly Reynolds
770-531-3134
hreynolds@brenau.edu
Nikki Shepard
912-583-3290
nshepard@bpc.edu
Sue Schmith
404-604-2506
sue.schmith@browncollege.com
Anita Snow
770-510-2321
asnow@brownmackie.edu
Elaine Truelove
478-757-3414
truelove@centralgatech.edu
Shana Hardy
404-880-6202
shardy@cau.edu
Michelle Openshaw
678-466-4292
michelleopenshaw@clayton.edu
Kathy Price
912-279-5749
kprice@ccga.edu
Beatte Maxwell
706-507-8862
maxwell_beate@columbusstate.edu
Nicole Smith
706-649-1310
nsmith@columbustech.edu
David Ballentine
706-272-2030
dballentine@daltonstate.edu
DATE
SERVICE
BEGAN
10/27/2006
3/13/2008
8/1/1996
2/6/2007
11/1/1990
5/1/2000
3/26/1997
1/29/2009
3/5/2010
3/1/1997
5/18/2005
9/1/2009
2/1/1996
10/27/2011
3/30/2005
73
ST
CLIENT
CONTACT
GA
Darton College
Albany, GA
GA
East Georgia College
Swainsboro, GA
GA
Emmanuel College
Franklin Springs, GA
GA
Emory University
Atlanta, GA
GA
Fort Valley State University
Fort Valley, GA
GA
Georgia Career Institute - Conyers
Conyers, GA
GA
Georgia College & State University
Milledgeville, GA
GA
Georgia Highlands College
Rome, GA
GA
Georgia Institute of Technology
Atlanta, GA
GA
Georgia Perimeter College
Dunwoody, GA
GA
Georgia Piedmont Technical
College
Clarkston, GA
Georgia Regents University
Augusta, GA
Judy Dunnagan
229-317-6717
judy.dunnagan@darton.edu
Becky Foskey
478-289-2104
bfoskey@ega.edu
Ronald McCullar
706-245-2810
rmccullar@ec.edu
Elizabeth Barrett
404-727-1202
esimcox@emory.edu
John Cagnina
478-825-6522
cagninaj@FVSU.EDU
Cory Erks
770-922-7653
cerks@gci.edu
Jan Beall
478-445-5254
jan.beall@gcsu.edu
Jamie L. Petty
706-368-7733
jpetty@highlands.edu
Phyllis Bsharah
404-894-8892
phyllis.bsharah@business.gatech.ed
u
Wanda Richardson
770-274-5398
wrichard@gpc.edu
Rebecca Krystopa
404-297-9522
krystopr@gptc.edu
Tami Ryans
706-721-6023
tryans@gru.edu
Mariea Reinbold
912-478-1266
mreinbol@georgiasouthern.edu
Jan Rogers
229-931-2013
jrogers@canes.gsw.edu
Laurie Tharpe
478-471-4858
ltharpe@goodwillworks.org
GA
GA
Georgia Southern University
Statesboro, GA
GA
Georgia Southwestern State
University
Americus, GA
Goodwill Industries of Middle
Georgia
Macon, GA
GA
DATE
SERVICE
BEGAN
11/1/2004
12/1/2004
9/1/1996
5/1/1996
5/1/1992
2/17/2011
5/1/1992
6/22/2005
8/1/1997
1/16/2006
6/2/2010
12/1/1994
7/2/1996
1/1/2001
7/30/2009
74
ST
CLIENT
CONTACT
GA
Gordon State College
Barnesville, GA
GA
Gwinnett College
Lilburn, GA
GA
Gwinnett College - Sandy Springs
Atlanta, GA
GA
Interactive Learning Center
Chamblee, GA
GA
Interdenominational Theological
Center
Atlanta, GA
Kennesaw State University
Kennesaw, GA
Jackie Lovejoy
678-359-5010
jackiel@gdn.edu
Lenny Davis
770-381-7200
ldavis@gwinnettcollege.edu
Ty Davis
770-457-2021
tdavis@gwinnettcollege.edu
Tatyana Blair
678-578-0707
tat@ict-ils.edu
Elizabeth Littlejohn
404-527-7720
elittlejohn@itc.edu
Joshua Wright
678-797-2619
jwrigh48@kennesaw.edu
Melissa Reeves
706-880-8231
mjreeves@lagrange.edu
Phyllis Shropshire
770-426-2759
pwilliams@life.edu
Evan Posey
770-484-1204
eposey@lru.edu
Michelle Webb
478-471-2705
michelle.webb@maconstate.edu
Cathy Santamarina
478-301-2408
santamarina_c@mercer.edu
Maurice Faircloth
478-934-3016
mfaircloth@mgc.edu
Karen Williams
404-215-2654
klwilli@morehouse.edu
Carrie Black
404-752-1662
carrie@msm.edu
Tony Fulbright
706-754-7802
tfulbrig@northgatech.edu
GA
GA
LaGrange College
LaGrange, GA
GA
Life University
Marietta, GA
GA
Luther Rice University
Lithonia, GA
GA
Macon State College
Macon, GA
GA
Mercer University
Macon, GA
GA
Middle Georgia College
Cochran, GA
GA
Morehouse College
Atlanta, GA
GA
Morehouse School Of Medicine
Atlanta, GA
GA
North Georgia Technical College
Clarksville, GA
DATE
SERVICE
BEGAN
3/10/2006
3/4/2005
4/25/2007
3/11/2011
3/1/2000
2/1/1994
3/24/2006
10/25/1989
6/5/2009
4/19/2006
7/5/2006
11/7/2008
4/1/1994
2/1/1998
10/22/2012
75
ST
CLIENT
CONTACT
GA
Ogeechee Technical College
Statesboro, GA
GA
Oglethorpe University
Atlanta, GA
GA
Okefenokee Technical College
Waycross, GA
GA
Owen Hall- North Georgia College &
State University
Dahlonega, GA
Paine College
Augusta, GA
Tonya Collins
912-871-1609
tcollins@ogeecheetech.edu
Melissa Briley
404-504-3465
mbriley@oglethorpe.edu
Cheryl Dryden
912-287-5831
cdryden@okefenokeetech.edu
Treva Sexton
706-864-1902
tlsexton@ngcsu.edu
Sonia Mack
706-821-8241
smack@paine.edu
Carla Edenfield
706-776-0124
carlaedenfield@piedmont.edu
Chuck Gravitt
770-720-5520
cbg@reinhardt.edu
McCall Singleton
912-351-3821
mwilliam@savannahstate.edu
Brenda Long
706-233-7799
blong@shorter.edu
Lisa Bohannon
912-260-4240
lisa.bohannon@sgc.edu
Denise Powell
912-538-3162
dpowell@southeasterntech.edu
Arthur Vaughn
678-915-3282
avaughn@spsu.edu
Adriane Allen
404-270-5168
adrianeall@spelman.edu
Sharon Shapiro
770-689-4759
shshapiro@aii.edu
Marcus Allen
404-942-1857
maallen@aia.edu
GA
GA
Piedmont College
Demorest, GA
GA
Reinhardt University
Waleska, GA
GA
Savannah State University
Savannah, GA
GA
Shorter University
Rome, GA
GA
South Georgia College
Douglas, GA
GA
Southeastern Technical College
Vidalia, GA
GA
Southern Polytechnic State
University
Marietta, GA
Spelman College
Atlanta, GA
GA
GA
The Art Institute of Atlanta
Atlanta, GA
GA
The Art Institute of Atlanta - Decatur
Decatur, GA
DATE
SERVICE
BEGAN
1/14/2011
2/1/1992
12/19/2011
1/24/2007
7/1/1991
10/1/1991
4/1/1992
1/1/1994
2/1/1991
5/22/2006
11/10/2010
4/1/2000
6/1/1993
4/1/1993
2/8/2008
76
ST
CLIENT
CONTACT
GA
The Center for Health and Learning
Atlanta, GA
GA
Thomas University
Thomasville, GA
GA
Toccoa Falls College
Toccoa Falls, GA
GA
Truett-McConnell College
Cleveland, GA
GA
University of Georgia
Athens, GA
GA
University of Georgia Health Center
Athens, GA
GA
University of Georgia Speech and
Hearing
Athens, GA
University of North Georgia
Dahlonega, GA
Sharon Nieb
678-547-6112
nieb_sl@mercer.edu
Rachelle Culpepper
229-227-6968
rculpepper@thomasu.edu
Nan Payne
706-886-7299
npayne@tfc.edu
Hayle Swinson
706-865-2134
hswinson@truett.edu
Susan Caldwell
706-542-6943
spalmer@uga.edu
Shannon Kuykendall
706-542-8638
skuykendall@uhs.uga.edu
Kathy L. Moss
706-542-3895
klm@uga.edu
Charlotte Wade
706-864-1408
clwade@ngcsu.edu
Carla Gibbs
678-717-3784
cgibbs@gsc.edu
Pat Murphy
678-839-4737
pmurphy@westga.edu
Jennifer Goad
706-729-2300
uvaugustamanager@ambling.com
Melissa Lee
(912) 449-7527
mlee@waycross.edu
Lori Pointer
478-757-5121
lpointer@wesleyancollege.edu
Amber Wilson
770-537-7963
amber.wilson@westgatech.edu
Keren Wynn
229-333-2103
kwynn@valdostatech.edu
GA
GA
GA
University of North Georgia Gainesville
Gainesville, GA
University of West Georgia
Carrollton, GA
GA
University Village Apartments
Augusta, GA
GA
Waycross College
Waycross, GA
GA
Wesleyan College
Macon, GA
GA
West Georgia Technical College
Waco, GA
GA
Wiregrass Georgia Technical
College
Valdosta, GA
DATE
SERVICE
BEGAN
12/2/2010
4/17/2009
2/1/1992
4/4/2008
3/2/2007
1/14/2008
12/22/2008
1/1/1991
6/26/2008
3/2/2007
1/9/2009
1/15/2007
6/1/1990
6/10/2010
8/1/1988
77
ST
CLIENT
CONTACT
GA
Young Harris College
Young Harris, GA
HI
Brigham Young University - Hawaii
Laie, HI
HI
Hawaii Pacific University
Honolulu, HI
HI
University of Hawaii
Honolulu, HI
IA
Central College
Pella, IA
IA
Iowa State University
Ames, IA
IA
Iowa Student Loan Liquidity
Corporation
W. Des Moines, IA
Morningside College
Sioux City, IA
Charlie Rogers
706-379-5223
progers@yhc.edu
Wes Duke
808-675-3523
dukew@byuh.edu
Se Wai Wan
808-356-5267
swan@hpu.edu
Susan Mabe
808-956-8785
smabe@hawaii.edu
Melissa Dunlap
641-628-5290
dunlapm@central.edu
Duane Reeves
515-294-8748
dreeves@iastate.edu
Todd Tallman
515-273-7460
ttallman@studentloan.org
Paul Treft
712-274-5221
treft@morningside.edu
Beverly Retland
641-585-8144
retlandb@waldorf.edu
Denny Turner
208-426-4677
dturner@boisestate.edu
Tina Standlee
208-732-6205
tstandlee@csi.edu
Mike Anderson
208-562-2397
mikeanderson4@cwidaho.cc
Chris Ford
208-282-2292
fordchri@isu.edu
Mary Browne
208-792-2330
mbrowne@lcsc.edu
Diana Plum
208-666-8003
diana_plum@nic.edu
IA
IA
Waldorf College
Forest City, IA
ID
Boise State University
Boise, ID
ID
College of Southern Idaho
Twin Falls, ID
ID
College of Western Idaho
Nampa, ID
ID
Idaho State University
Pocatelo, ID
ID
Lewis-Clark State College
Lewiston, ID
ID
North Idaho College
Coeur d'Alene, ID
DATE
SERVICE
BEGAN
6/1/1993
1/13/2009
9/17/2010
5/1/1995
7/22/2008
10/1/2002
5/16/2005
2/1/2002
10/29/2004
11/2/2011
10/14/2011
5/23/2011
9/20/2012
12/13/2007
12/22/2008
78
ST
CLIENT
CONTACT
ID
Northwest Nazarene University
Nampa, ID
ID
The College of Idaho
Caldwell, ID
ID
University of Idaho
Moscow, ID
IL
Career Education Corporation
Hoffman Estates, IL
IL
Carl Sandburg College
Galesburg, IL
IL
DeVry University
Oakbrook Terrace, IL
IL
East-West University
Chicago, IL
IL
Elmhurst College
Elmhurst, IL
IL
Illinois Institute of Art - Chicago
Chicago, IL
IL
Illinois Institute of Art - Schaumburg
Schaumburg, IL
IL
Illinois Institute of Technology
Chicago, IL
IL
Knox College
Galesburg, IL
IL
Lewis University
Romeoville, IL
IL
Loyola University Chicago
Chicago, IL
IL
Midwestern University - IL
Downers Grove, IL
Terrie Bowen
208-467-8534
tlbowen@nnu.edu
Sheila Cumpton
208-459-5206
scumpton@collegeofidaho.edu
Connie Wambeke
208-885-2136
cwambeke@uidaho.edu
Dawna May
847-851-7563
dmay@careered.com
Racheal McKillip
309-341-5210
rmckillip@sandburg.edu
Lee Ann Wigdahl
630-645-1178
lwigdahl@devry.edu
Arica Ostreicher
312-939-0111
arica@eastwest.edu
Linda Storck
630617-3081
lstorck@elmhurst.edu
Molly Shanahan
312-777-8595
mshanahan@aii.edu
Olga Kushniryuk
847-585-4545
kushniro@aii.edu
Adrienne Wassell
312-567-7548
awassell@iit.edu
Melody Diehl
309-341-7316
mdiehl@knox.edu
Shirley Morris
815-836-5325
morrissh@lewisu.edu
John Hicks
773 508-7096
jhicks1@luc.edu
Marta Andino
630-515-6352
mandin@midwestern.edu
DATE
SERVICE
BEGAN
1/25/2010
9/15/2005
4/1/2004
3/17/2006
7/1/2011
2/3/2012
7/30/2012
7/17/2007
11/1/2004
10/1/2004
9/1/2011
7/31/2006
9/16/2008
4/18/2007
6/1/2004
79
ST
CLIENT
CONTACT
IL
Northeastern Illinois University
Chicago, IL
IL
Southern Illinois University
Carbondale, IL
IL
Trinity International University
Deerfield, IL
IL
University of Illinois
Urbana, IL
IN
Anderson University
Anderson, IN
IN
Ball State University
Muncie, IN
IN
Brown Mackie College - Fort Wayne
Fort Wayne, IN
IN
Brown Mackie College - Merrillville
North Merrillville, IN
IN
Brown Mackie College - Michigan
City
Michigan City, IN
Brown Mackie College - South Bend
South Bend, IN
Hoangyen Nguyen-Yen
773-442-5173
h-nguyen1@neiu.edu
Cara Alongi
618-453-2169
calongi@siu.edu
Carrie Fakhoury
847-317-4040
jcruz@tiu.edu
John Hockersmith
217-333-5396
jhckers@uillinois.edu
Kristy Fix
765-641-4118
kafix@anderson.edu
Judy Merritt
765-285-1644
jmerritt@bsu.edu
Linda Worrell
260-481-5030
lworrell@brownmackie.edu
Tricia Wozniak
800-258-3321
twozniak@brownmackie.edu
Crystal Mashburn
219-878-6469
cmashburn@brownmackie.edu
Christina Greiner
574-323-2681
cgreiner@brownmackie.edi
Marlene Lamb
765-658-4195
mlamb@depauw.edu
Frank Kahn
800-288-1766
fckahn@indianatech.edu
Philip Voorheis
812-855-3590
pvoorhei@indiana.edu
Nathan Metz
765-677-2660
nathan.metz@indwes.edu
Kelly Smith
317-278-7630
kjbrown@iupui.edu
IN
IN
DePauw University
Greencastle, IN
IN
Indiana Institute of Technology
Fort Wayne, IN
IN
Indiana University
Bloomington, IN
IN
Indiana Wesleyan University - AGS
Marion, IN
IN
IUPU at Indianapolis
Indianapolis, IN
DATE
SERVICE
BEGAN
9/1/2004
1/1/2003
2/24/2006
3/25/2009
11/5/2012
2/14/2007
6/8/2007
1/9/2006
6/21/2011
4/22/2009
1/15/2007
7/1/2002
11/1/2000
1/21/2009
10/1/2000
80
ST
CLIENT
CONTACT
IN
Oakland City University
Oakland City, IN
IN
Rose-Hulman Institute of
Technology
Terre-Haute, IN
IN
The Art Institute of Indianapolis
Indianapolis, IN
IN
Trine University
Angola, IN
IN
University of Saint Francis
Ft. Wayne, IN
IN
Valparaiso University
Valparaiso, IN
KS
Benedictine College
Atchison, KS
KS
Brown Mackie College - Kansas
City
Lenexa, KS
Brown Mackie College - Salina
Salina, KS
Anita Miskell
812-749-1244
amiskell@oak.edu
Michelle Kirkpatrick
812-877-8972
michelle.kirkpatrick@rosehulman.edu
Mary Thomas
317-613-4805
mwthomas@aii.edu
Andrea Smith
260-665-4112
smitha@trine.edu
Robin Hawkins
260-399-7700
rhawkins@sf.edu
Sharie Palmer
219-464-5221
sharie.palmer@valpo.edu
Tona Stone
913-360-7405
tstone@benedictine.edu
Ann Luchen
913-768-1900
aluchen@brownmackie.edu
Liz Alvarez
785-823-4612
ealvarez@brownmackie.edu
Phil Nelson
620-241-0723
Phil.Nelson@centralchristian.edu
Lanita Eaton
913-745-2131
leaton@concorde.edu
Lolita Lewis
316-295-5863
lolita_lewis@friends.edu
Bridget White
785-832-7439
bwhite@kuendowment.org
Marla Shank
913-971-3295
mshank@mnu.edu
Jeana Scott
316-942-4291
scottj@newmanu.edu
KS
KS
Central Christian College
McPherson, KS
KS
Concorde Career College
Mission, KS
KS
Friends University
Witchita, KS
KS
Kansas University Endowment
Association
Lawrence, KS
MidAmerica Nazarene University
Olathe, KS
KS
KS
Newman University
Wichita, KS
DATE
SERVICE
BEGAN
4/23/2008
12/2/1989
7/26/2006
5/16/2005
4/14/2010
3/1/2002
7/1/2004
4/9/2007
12/13/2005
6/2/2008
11/28/2012
9/19/2007
12/1/2004
4/10/2007
11/4/2010
81
ST
CLIENT
CONTACT
KS
Ottawa University
Ottawa, KS
KS
Tabor College
Hillsboro, KS
KS
University of Saint Mary
Leavenworth, KS
KS
Washburn University
Topeka, KS
KS
Wichita Area Technical College
Wichita, KS
KY
Asbury University
Wilmore, KY
KY
Bellarmine University
Louisville, KY
KY
Brown Mackie College Hopkinsville
Hopkinsville, KY
Brown Mackie College - Louisville
Louisville, KY
Heather Long
785-242-5200
heather.long@ottawa.edu
Roman Hofer
620-947-3121 x1052
romanh@tabor.edu
Pat Clark
913-758-6309
clark00@stmary.edu
Mary Schumacher
785-670-2041
mary.schumacher@washburn.edu
Vicky Timmons
316-677-1941
vtimmons@watc.edu
Shirley Boatman-Parks
859-858-3511
sboatmanparks@asbury.edu
Jacque Durbin
502-452-8254
jdurbin@bellarmine.edu
Ms. Kirsten Elkins
270-886-1302
kelkins@brownmackie.edu
Frank Salvagne
502968-7191
fsalvagne@brownmackie.edu
Nicole Arrasmith Gerhard
859-341-5627
ngerhard@brownmackie.edu
Tracy Bruns
270-789-5300
tjbruns@campbellsville.edu
Judy Cummins
859-238-5454
judy.cummins@centre.edu
Bethany Warner
859-622-8360
bethany.robinson@eku.edu
Marianne Riddle
502-863-8020
mriddle@georgetowncollege.edu
Natalie Turner
502-597-6373
natalie.turner@kysu.edu
KY
KY
KY
Brown Mackie College - Northern
KY
Fort Mitchell, KY
Campbellsville University
Campbellsville, KY
KY
Centre College
Danville, KY
KY
Eastern Kentucky University
Richmond, KY
KY
Georgetown College
Georgetown, KY
KY
Kentucky State University
Frankfort, KY
DATE
SERVICE
BEGAN
2/10/2010
8/14/2007
9/30/2007
7/23/2007
11/4/2008
3/6/2011
6/1/2003
5/25/2007
2/1/2005
9/1/2004
12/13/2005
5/1/2001
3/1/2004
6/1/2000
3/5/2010
82
ST
CLIENT
CONTACT
KY
Kentucky Wesleyan College
Owensboro, KY
KY
Lindsey Wilson College
Columbia, KY
KY
Morehead State University
Morehead, KY
KY
Murray State University
Murray, KY
KY
Northern Kentucky University
Highland Heights, KY
KY
Thomas More College
Crestview Hills, KY
KY
Transylvania University
Lexington, KY
KY
Union College Kentucky
Barbourville, KY
KY
University of Kentucky
Lexington, KY
KY
University of Louisville
Louisville, KY
KY
University of Louisville- Delphi
Center for Teaching & Learning
Louisville, KY
University of the Cumberlands
Williamsburg, KY
Jennifer Ralph
270-852-3108
jralph@kwc.edu
Sally Mays
270-384-8010
mayss@lindsey.edu
Tina McWain
606-783-2242
t.mcwain@moreheadstate.edu
Anita Poynor
270-809-2318
anita.poynor@murraystate.edu
Kim Graboskey
859-572-6425
graboskeyk1@nku.edu
Kari Austin
859-344-3311
kari.austin@thomasmore.edu
Anna Nevius
859-233-8150
amoberly@transy.edu
Shairon Miller
606-546-1202
smiller@unionky.edu
Sarah Rodrigues
859-257-3406
serodr2@pop.uky.edu
Greg Atkins
502-852-6894
gdatki01@louisville.edu
Beverly Becker
502-852-8572
blbeck01@louisville.edu
Randle Teague
606-539-4212
rteague@ucumberlands.edu
Belinda Higginbotham
270-745-6380
belinda.higginbotham@wku.edu
Rhonda Creighton
504-816-4601
rcreighton@dillard.edu
Valencia Bradley
318-274-6254
bradleyv@gram.edu
KY
KY
Western Kentucky University
Bowling Green, KY
LA
Dillard University
New Orleans, LA
LA
Grambling State University
Grambling, LA
DATE
SERVICE
BEGAN
6/11/2008
11/1/1999
7/18/2005
7/1/2001
5/1/2002
2/1/1999
3/23/2009
2/1/1992
10/1/2001
6/1/2000
6/26/2008
8/14/2006
12/20/2004
7/1/2002
4/1/2004
83
ST
CLIENT
CONTACT
LA
Louisiana Tech University
Ruston, LA
LA
Northwestern State University
Natchitoches, LA
MA
Ailano School of Cosmetology
Brockton, MA
MA
Anna Maria College
Paxton, MA
MA
Berklee College of Music
Boston, MA
MA
Boston College
Chestnut Hill, MA
MA
College of the Holy Cross
Worcester, MA
MA
Dayspring Christian Academy
S. Attleboro, MA
MA
Eastern Nazarene College
Quincy, MA
MA
Emerson College
Boston, MA
MA
Emmanuel College
Boston, MA
MA
Endicott College
Beverly, MA
MA
Fisher College
Boston, MA
MA
Gordon College
Wenham, MA
MA
Gordon-Conwell Theological
Seminary
South Hamilton, MA
Zach Williams
(318) 257-4325
zach@latech.edu
Daphne Sampite
318-357-5416
sampite@nsula.edu
Kera Arnone
508-583-5433
kera.arnone@yahoo.com
Jessica Sabourin
508-849-3425
jsabourin@annamaria.edu
Sabrina Harlan
617-747-2453
sharlan@berklee.edu
Kathleen Rosa
800-877-3600
rosa@bc.edu
Molly Mahan
508-793-3493
mmahan@holycross.edu
Bob Truitt
508-761-7334
golfinbob1@gmail.com
Melinda Vasquez
617-745-3809
melinda.vasquez@enc.edu
Ruthanne Madsden
617-824-8207
ruthanne_madsden@emerson.edu
Justin McCormick
617-735-9928
mccorju@emmanuel.edu
Sarah Kidd
978-232-2032
skidd@endicott.edu
Joy Nelson
617-236-5400
jnelson@fisher.edu
Jeren Lanoue
978-867-4246
jeren.lanoue@gordon.edu
Stacey Glidden
978-646-4059
sglidden@gcts.edu
DATE
SERVICE
BEGAN
6/1/2000
7/1/2002
5/1/2003
11/19/2010
12/1/1986
8/1/2002
7/31/2007
10/1/2003
12/1/2004
11/1/2002
1/1/2004
11/1/2003
12/1/2002
1/1/2003
8/1/2004
84
ST
CLIENT
CONTACT
MA
Lasell College
Newton, MA
MA
Lesley University
Cambridge, MA
MA
New England Institute of Art
Brookline, MA
MA
Northeastern University
Boston, MA
MA
Northpoint Bible College
Haverhill, MA
MA
Simmons College
Boston, MA
MA
Springfield College
Springfield, MA
MA
TERI, Inc
Boston, MA
MA
Wheaton College
Norton, MA
MD
Hood College
Frederick, MD
MD
Johns Hopkins University
Baltimore, MD
MD
Maryland Institute College of Art
Baltimore, MD
MD
McDaniel College
Westminster, MD
MD
North American Trade Schools
Baltimore, MD
MD
Saint John's College - Annapolis
Annapolis, MD
Heather Driscoll
617-243-2235
hdriscoll@lasell.edu
Dawn Medina
617-349-8768
dmedina@lesley.edu
Michelle Maxwell
617-582-4429
wchan@aii.edu
Ted Hilli
617-373-3233
t.hilli@neu.edu
Becky Dahlstrom
978-478-3426
rdahlstrom@northpoint.edu
Kevin Wright
617-521-2011
kevin.wright@simmons.edu
Kathy Cadigan
413-748-3688
kcadigan@spfldcol.edu
Alan Blair
617-535-6807
twblair@teri.org
Charlene Reynolds
508-286-8232
creynold@wheatoncollege.edu
Denise Watkins
301-696-3859
watkins@hood.edu
Lou Cavallaro
443-997-7460
LFC1@jhu.edu
David Zeit
410-225-4220
dzeit@mica.edu
Harriett Corbran
410-857-2210
hcorbran@mcdaniel.edu
Karen McAlpin
410-298-4844
kmcalpin@natradeschools.edu
Frances Kushner
410-626-2517
frances.kushner@sjca.edu
DATE
SERVICE
BEGAN
5/7/2007
6/22/2010
10/27/2004
11/11/2003
7/1/1999
10/1/2002
8/29/2008
4/29/2011
12/15/2003
2/1/1997
8/1/2003
2/28/2007
4/11/2005
10/18/2010
1/7/2005
85
ST
CLIENT
CONTACT
MD
Stevenson University
Owings Mills, MD
MD
Washington Adventist University
Takoma Park, MD
ME
Bowdoin College
Brunswick, ME
ME
Husson University
Bangor, ME
ME
Maine College of Art
Portland, ME
ME
Saint Joseph's College of Maine
Standish, ME
ME
Southern Maine Community College
South Portland, ME
ME
The University of Maine
Orono, ME
ME
Thomas College
Waterville, ME
ME
Unity College
Unity, ME
ME
University of Maine at Augusta
Augusta, ME
ME
University of Maine at Farmington
Farmington, ME
ME
University of Maine at Fort Kent
Fort Kent, ME
ME
University of Maine at Machias
Machias, ME
ME
University of Maine at Presque Isle
Presque Isle, ME
Debbie Brown
443-352-4368
dlbrown@stevenson.edu
Jonelle Matthews
301-891-4077
jsmatthe@wau.edu
Michelle McDonough
207-725-3249
mmcdonou@bowdoin.edu
Amber Wood
207-941-7148
wooda@husson.edu
Judith Morin
207-699-5049
jmorin@meca.edu
Janie L. Joyce
207-893-6613
jljoyce@sjcme.edu
Steve Reed
207-741-5654
sreed@smccME.edu
Dawn Marie Glidden
207-581-4230
dawn_glidden@umit.maine.edu
Gina Fasulo
207-859-1421
sfscouns@thomas.edu
Jeri Roberts
207-948-3131
jroberts@unity.edu
Matt Canwell
207-621-3033
mathew.canwell@maine.edu
Debbie Moody
207-778-7104
dmoody@maine.edu
Leslie Guerrette
207-834-7550
leslieg@maine.edu
Barbie Holmes
207-255-1312
holmes@maine.edu
Eldon Levesque
207-768-9547
eldon.levesque@umpi.edu
DATE
SERVICE
BEGAN
5/1/1992
2/1/1995
5/4/2009
5/23/2011
11/7/2008
1/25/2010
6/6/2011
1/26/2010
5/27/2011
11/6/2009
1/26/2010
3/28/2011
1/26/2010
1/26/2010
1/26/2010
86
ST
CLIENT
CONTACT
ME
University of Maine System Office
Orono, ME
ME
University of Southern Maine
Portland, ME
MI
Adrian College
Adrian, MI
MI
Albion College
Albion, MI
MI
Alma College
Alma, MI
MI
Andrews University
Berrien Springs, MI
MI
Aquinas College
Grand Rapids, MI
MI
Calvin College
Grand Rapids, MI
MI
Cornerstone University
Grand Rapids, MI
MI
Eastern Michigan University
Ypsilanti, MI
MI
Grand Valley State University
Allendale, MI
MI
Kalamazoo College
Kalamazoo, MI
MI
Kettering University
Flint, MI
MI
Lawrence Technological University
Southfield, MI
MI
Marygrove College
Detroit, MI
Jolynn Campbell
207-561-3449
jolynn@maine.edu
Jacqueline M. Owen
207-780-4724
jackieo@usm.maine.edu
Nancy Close
517-264-3151
nclose@adrian.edu
Mark Holbrook
517-629-0540
mholbrook@albion.edu
Angie Sherwood
989-463-7144
sherwood@alma.edu
Rhonda Peak
269-471-3593
peakr@andrews.edu
Joan Kutchin
616-632-2915
kutchjoa@aquinas.edu
Jason Porte
616-526-6078
jjp4@calvin.edu
Sally Van Horn
616-222-1445
Sally_Vanhorn@Cornerstone.edu
David Wilcox
734-487-3070
dwilcox@emich.edu
Sue Votsch
616-331-2256
votschs@gvsu.edu
Patrick Farmer
269-337-7226
patrick.farmer@kzoo.edu
Kathleen Goodrich
810-762-9794
kgoodric@kettering.edu
Celia LaPinta
248-204-2110
clapinta@ltu.edu
Ayana Coleman
313-927-1375
acoleman@marygrove.edu
DATE
SERVICE
BEGAN
1/26/2010
1/26/2010
8/7/2007
6/20/2007
5/22/2009
6/18/2007
8/6/2009
9/2/2008
2/1/2008
12/1/2009
10/1/2000
3/11/2004
2/13/2006
4/5/2006
4/13/2005
87
ST
CLIENT
CONTACT
MI
Michigan State University
Lansing, MI
MI
Northwood University
Midland, MI
MI
Oakland University
Rochester, MI
MI
Olivet College
Olivet, MI
MI
Saginaw Valley State University
University Center, MI
MI
Spring Arbor University
Spring Arbor, MI
MI
The Art Institute of Michigan Detroit
Detroit, MI
MI
University of Michigan - Dearborn
Dearborn, MI
MI
Wayne State University
Detroit, MI
MI
Western Michigan University
Kalamazoo, MI
MN
Capella University
Minneapolis, MN
MN
Carleton College
Northfield, MN
MN
Luther Seminary
St. Paul, MN
MN
Minneapolis College of Art and
Design
Minneapolis, MN
Regency Beauty Institute
St Louis Park, MN
Amanda Welsh
517-355-5023
welsha@ctlr.msu.edu
Susan Ridgway
989-837-4219
ridgway@northwood.edu
Linda Switzer
248-370-3130
switzer@oakland.edu
Kim Abbott
269-749-7721
kabbott@olivetcollege.edu
Cheryl David
989-964-4949
cdavid@svsu.edu
Kristen Hall
517-750-6332
khall@arbor.edu
Ms. Doloris Garry
248-675-3800
dgarry@aii.edu
Terry Burns
313-593-5255
tlburns@umd.umcih.edu
Alice Baker
313-577-6785
ei3200@wayne.edu
Jessica Overley
269-387-2948
jessica.overley@wmich.edu
Kara Frey
612-977-5171
kara.frey@capella.edu
Candace Koen
507-222-4165
ckoen@carleton.edu
Bill Silva-Breen
651-641-3527
wsilvabr@luthersem.edu
Miguel Granger
612-874-3809
miguel_granger@mcad.edu
Beth Henn
763-277-7391
bhenn@regencybeauty.com
MN
DATE
SERVICE
BEGAN
5/27/2009
5/16/2008
3/1/2003
2/1/2004
8/30/2010
12/9/2004
1/20/2010
1/24/2012
10/31/2007
12/1/2001
5/23/2012
8/26/2010
4/1/2002
4/2/2002
4/27/2011
88
ST
CLIENT
CONTACT
MN
St. Catherine University
St. Paul, MN
MN
St. Olaf College
Northfield, MN
MN
The Art Institutes International
Minnesota
Minneapolis, MN
The College of St. Scholastica
Duluth, MN
Sharon Fetting
651-690-6858
skfetting@stkate.edu
Rose Brown
507-786-3296
brownro@stolaf.edu
Jeff Lee
612-656-6845
jelee@aii.edu
Scott Holden
218-723-6288
sholden@css.edu
Tom Schmidt
612-625-1082
t-schm@umn.edu
Dan Gallivan
651-962-6609
gall4395@stthomas.edu
Stacie Vandrovec
651-290-6312
stacie.vandrovec@wmitchell.edu
Kathi Haas
314-918-2562
khaas@eden.edu
Jennifer Ward
417-865-2815
wardj@evangel.edu
Kelly Anderson
314-889-1476
kanderson@fontbonne.edu
Linda Haman
636-227-2100
linda.haman@logan.edu
Terri Christensen
660-562-1106
terric@nwmissouri.edu
Joan Salvati
816-584-6842
joan.salvati@park.edu
Marcia Shaw
816-932-2194
meshaw@saint-lukes.org
Marla Fernandez
660-785-4152
mfernandez@truman.edu
MN
MN
University of Minnesota
Minneapolis, MN
MN
University of Saint Thomas
St. Paul, MN
MN
William Mitchell College of Law
St. Paul, MN
MO Eden Theological Seminary
St. Louis, MO
MO Evangel University
Springfield, MO
MO Fontbonne University
St. Louis, MO
MO Logan College Of Chiropractic
Chesterfield, MO
MO Northwest Missouri State University
Maryville, MO
MO Park University
Parkville, MO
MO Saint Luke's College
Kansas City, MO
MO Truman State University
Kirksville, MO
DATE
SERVICE
BEGAN
1/21/2013
12/7/2010
3/6/2005
11/6/2006
10/18/2011
6/1/2002
8/8/2011
2/8/2010
12/17/2005
8/30/2007
6/1/1992
7/7/2010
7/11/2006
6/26/2003
8/14/2006
89
ST
CLIENT
MO University of Missouri
Columbia, MO
MO University of Missouri - Kansas City
Kansas City, MO
MO University of Missouri-St Louis
St. Louis, MO
MO Washington University in St. Louis
St. Louis, MO
MO Webster University
St. Louis, MO
MS
Alcorn State University
Alcorn, MS
MS
Coahoma Community College
Clarksdale, MS
MS
Delta State University
Cleveland, MS
MS
Delta State University
Cleveland, MS
MS
Millsaps College
Jackson, MS
MS
Mississippi Institutions of Higher
Learning
Jackson, MS
Mississippi State University
Mississippi State, MS
MS
MS
Mississippi University for Women
Columbus, MS
MS
The University of Southern
Mississippi
Hattiesburg, MS
Tougaloo College
Tougaloo, MS
MS
CONTACT
Sandra Murray
573-882-6747
MurraySK@missouri.edu
Jake Vollertsen
816-235-5157
vollertsenj@umkc.edu
Mitch Hess
314-516-6608
mitchhess@umsl.edu
Sherman Shaw
314-935-5003
sherman.shaw@wustl.edu
Pam Robinson
314-968-5906
robinsps@webster.edu
Dendria Winchester
601-877-2377
dendria@alcorn.edu
Ms. Robbie Wallace
662-621-4104
rwallace@coahomacc.edu.
Marcia Lishman
662-846-4695
mlishman@deltastate.edu
Camesha Benson
662-846-4649
cbenson@deltastate.edu
Leah Babb
601-974-1104
leah.babb@millsaps.edu
Jennifer Rogers
601-432-6791
jrogers@ihl.state.ms.us
Joy Holley
662-325-9412
jholley@controller.msstate.edu
Tiffany Winter
662-329-7216
tkeller@muw.edu
Barbara Madison
601-266-5791
barbara.madison@usm.edu
Maria Thomas
601-977-7769
mthomas@tougaloo.edu
DATE
SERVICE
BEGAN
9/1/2006
9/11/2008
9/1/2006
11/1/2001
8/5/2006
1/1/2002
2/14/2007
7/1/2002
7/2/2002
3/1/2001
6/14/2007
8/1/1999
8/1/2002
10/25/2010
11/1/1997
90
ST
CLIENT
CONTACT
MS
University of Mississippi
University, MS
MS
William Carey College
Hattiesburg, MS
MT
Carroll College
Helena, MT
MT
Great Falls College
Great Falls, MT
MT
Helena College
Helena, MT
MT
Missoula Parking Commission
Missoula, MT
MT
Montana State University - Northern
Havre, MT
MT
Montana State University Billings
Billlings, MT
MT
Montana State University Bozeman
Bozeman, MT
MT
Montana Tech
Butte, MT
MT
Rocky Mountain College
Billings, MT
MT
The University of Montana
Missoula, MT
MT
The University of Montana Western
Dillon, MT
MT
University of Great Falls
Great Falls, MT
NC
Alamance Community College
Graham, NC
Sara Hampton
662-915-5478
shampton@olemiss.edu
Kristy Johnson
601-318-6129
kristy.johnson@wmcarey.edu
Keith Carparelli
406-447-5424
kcarparelli@carroll.edu
Ed Binkley
406-771-4307
ebinkley@msugf.edu
Lana Mullaney
406-444-6902
lana.mullaney@umhelena.edu
Mary Hanson
406-552-6241
mhanson@ci.missoula.mt.us
Sue Ost
406-265-3733
osts@msun.edu
Mike Morgan
406-657-1707
mmorgan@msubillings.edu
Wendy McCarty
406-994-5538
wendym@montana.edu
Leslie Bennett
406-496-4251
lbennett@mtech.edu
Kathy McKibbin
406-657-1063
mckibbik@rocky.edu
Geoff Lake
406-243-6006
geoffrey.lake@umontana.edu
Liane Forrester
406-683-7530
l_forrester@umwestern.edu
Stacy Lowry
406-791-5239
slowry@ugf.edu
Laurie Farrell
336-506-4119
farrellj@alamancecc.edu
DATE
SERVICE
BEGAN
10/1/1998
7/1/2001
6/22/2011
2/18/2009
3/25/2011
10/1/2012
12/9/2008
11/10/2005
6/1/2002
3/25/2011
4/10/2007
3/25/2011
3/25/2011
6/3/2008
9/1/2008
91
ST
CLIENT
CONTACT
NC
Appalachian State University
Boone, NC
NC
Bank of America, N.A.
Charlotte, NC
NC
Barton College
Wilson, NC
Shannon Saunders
828-262-6408
saunderssh@appstate.edu
Sam Kakitsis
980-388-4065
sam.kakitsis@bankofamerica.com
Allison Moss
NC
NC
Beaufort County Community
College
Washington, NC
Belmont Abbey College
Belmont, NC
NC
Bennett College
Greensboro, NC
NC
Blue Ridge Community College
Flat Rock, NC
NC
Bradford Schools Inc.
Charlotte, NC
NC
Brevard College
Brevard, NC
NC
Campbell University
Buies Creek, NC
NC
Cape Fear Community College
Wilmington, NC
NC
Carolina Friends School
Durham, NC
NC
Carolinas College of Health
Sciences
Charlotte, NC
NC
Catawba College
Salisbury, NC
NC
Central Carolina Community
College
Sandford, NC
252-399-6320
wbblack@barton.edu
Adrienne Smith
252-940-6210
adriennes@beaufortccc.edu
John Rutherford
704-461-6918
johnrutherford@bac.edu@bac.edu
Ms Betty Watson
336-517-2376
bwatson@bennett.edu
Connie Williams
828-694-1721
conniew@blueridge.edu
Trinna Meek
704-347-5526
tmeek@bradfordschools.com
Ashley Hickman
828-884-8263
hickmaaa@brevard.edu
Alton Hardison
910-893-1441
hardison@campbell.edu
Justin Beardmore
910-362-7355
jbeardmore@cfcc.edu
Katie Collinik
919-383-6602kcollini@cfsnc.org
Kim Bradshaw
704-355-5584
kim.bradshaw@carolinashealthcare.o
rg
Lisa Davis
704-637-4389
ldavis@catawba.edu
Heather McCracken
919-718-7517
hmccracken@cccc.edu
DATE
SERVICE
BEGAN
2/10/2009
1/4/2010
10/1/1986
9/1/2008
11/1/1986
12/1/1986
1/9/2012
2/1/1994
11/1/1990
11/1/1989
9/1/2008
1/1/2000
6/6/2005
10/1/1986
9/1/2008
92
ST
CLIENT
CONTACT
NC
Chowan University
Murfreesboro, NC
NC
Cleveland Community College
Shelby, NC
NC
College of The Albemarle
Elizabeth City, NC
NC
Craven Community College
New Bern, NC
NC
Crystal Village Apartments
Durham, NC
NC
Davidson College
Davidson, NC
NC
Davidson County Community
College
Lexington, NC
Duke University
Durham, NC
Mitchell Radford
252-398-6511
radfom@chowan.edu
Kristen Self
704-484-4006
selfk@clevelandcommunitycollege.ed
u
Jessica Sawyer
252-335-0821
jsawyer@albemarle.edu
Kisha Becton
252-638-7203
bectonk@cravencc.edu
Karen Ward
919-382-8032
crystalvillage@thalhimer.com
Donna Hamm
704-894-2209
dohamm@davidson.edu
Beth Rosa
336-249-8186
brosa@davidsonccc.edu
Sherrie Clayton
919-660-3636
sherrie.clayton@duke.edu
Melva Bonner
252-328-1497
bonnerm@ecu.edu
Natarsha Jones
252-335-3564
nejones@mail.ecsu.edu
Brenda Douglas
336-278-5272
douglasb@elon.edu
Cynthia Jones
910-672-1118
nstevens@uncfsu.edu
Charles Smith
910-678-8376
smithch@faytechcc.edu
Carolyn McSwain
704-406-3545
cmcswain@gardner-webb.edu
Jennifer Humphries
704-406-4642
jhumphries@gardner-webb.edu
NC
NC
East Carolina University
Greenville, NC
NC
Elizabeth City State University
Elizabeth City, NC
NC
Elon University
Elon College, NC
NC
Fayetteville State University
Fayetteville, NC
NC
Fayetteville Tech Community
College
Fayetteville, NC
Gardner-Webb University
Boiling Springs, NC
NC
NC
Gardner-Webb University
Boiling Springs, NC
DATE
SERVICE
BEGAN
11/1/1987
9/1/2008
1/30/2012
9/1/2008
4/1/2005
2/1/1991
9/1/2008
10/1/1988
9/1/2008
9/1/2008
8/1/1986
9/2/2008
9/1/2008
11/1/1986
11/2/1986
93
ST
CLIENT
CONTACT
NC
Gaston College
Gaston, NC
NC
Greensboro College
Greensboro, NC
NC
Guilford College
Greensboro, NC
NC
Guilford Technical Community
College
Jamestown, NC
Haywood Community College
Clyde, NC
Bruce Cole
704-992-6309
cole.bruce@gaston.edu
Verlista McCloud
336-272-7102
vmccloud@greensborocollege.edu
Paulette Esdaille
(336) 316-2463
pesdaill@guilford.edu
Tracey Davis
(336) 334-4822
ttdavis@gtcc.edu
Lori Farrell
828-565-4093
lfarrell@haywood.edu
Terri Kane
336-841-9166
tkane@acme.highpoint.edu
Carolyn Smith
704-378-1229
csmith@jcsmith.edu
Jeanette Burleson
828-898-8829
burlesonj@lmc.edu
Donna Davidson
828-328-7139
davidsond@lr.edu
Janet Suggs
828-328-7104
suggsj@lr.edu
Lamont McHam
704-216-6083
dmcham@livingstone.edu
Jessica Roberson
919-497-3230
jroberson@louisburg.edu
Beth Babb
828-689-1240
bbabb@mhc.edu
Tammy Bailey
(252) 789-0253
tbailey@martincc.edu
Amanda Buchanan
828-765-7351
albuchanan@mayland.edu
NC
NC
High Point University
High Point, NC
NC
Johnson C. Smith University
Charlotte, NC
NC
Lees-McRae College
Banner Elk, NC
NC
Lenoir-Rhyne University
Hickory, NC
NC
Lenoir-Rhyne University
Hickory, NC
NC
Livingstone College
Salisbury, NC
NC
Louisburg College
Louisburg, NC
NC
Mars Hill College
Mars Hill, NC
NC
Martin Community College
Williamston, NC
NC
Mayland Community College
Spruce Pine, NC
DATE
SERVICE
BEGAN
10/29/2012
11/1/1986
9/1/2003
4/15/2010
9/1/2008
1/1/1987
6/1/1991
3/1/1999
11/1/1987
3/28/2008
6/1/2002
2/1/1990
2/1/1994
9/1/2008
9/1/2008
94
ST
CLIENT
CONTACT
NC
Meredith College
Raleigh, NC
NC
Methodist University
Fayetteville, NC
NC
Mitchell Community College
Statesville, NC
NC
Montgomery Community College
Troy, NC
NC
Montreat College
Montreat, NC
NC
Mount Olive Colleges
Mount Olive, NC
NC
North Carolina A&T State
University
Greensboro, NC
North Carolina A&T University
Foundation, LLC
Greensboro, NC
North Carolina Central University
Durham, NC
Susan Williams
919-760-8262
Williams@meredith.edu
John Shaw
910-630-7012
jshaw@methodist.edu
Tonya Benge
704-878-3216
tbenge@mitchellcc.edu
Anita Presnell
910-576-6222
presenella@montgomery.edu
Joy Dorr
828-669-8011
jdorr@montreat.edu
Jamie Meyers
919-658-7160
jmyers@moc.edu
Angela Dubose
(336) 334-7721
dubose@ncat.edu
Noddia Suddreth
336-433-5560
ncsuddre@ncat.edu
Twyla Butler
919-530-5070
tbutler@nccu.edu
Shirley Horton
919-530-7122
shorton@nccu.edu
Margie Ree Booker
919-248-4624
mbooker@ncseaa.edu
Sandra Cox Patterson
919-515-7460
sandra_patterson@ncsu.edu
Wilma Daley
919-513-6529
wjdaley@ncsu.edu
Sherri Robinson
252-985-5103
srobinson@ncwc.edu
Kelsey Norman
704-865-6425
Kay Pope
704-463-3018
kay.pope@fsmail.pfeiffer.edu
NC
NC
NC
North Carolina Central University
Durham, NC
NC
North Carolina State Education
Assistance Authority
Durham, NC
North Carolina State University Non
Student
Raleigh, NC
North Carolina State University
Veterinary Hospital
Raleigh, NC
North Carolina Wesleyan College
Rocky Mount, NC
NC
NC
NC
NC
NC
Pediatric Dentistry & Orthodontics
Gastonia, NC
Pfeiffer University
Misenheimer, NC
DATE
SERVICE
BEGAN
4/2/2008
3/1/1988
9/1/2008
1/10/2013
8/1/1986
7/1/1991
9/1/2008
4/1/2002
9/2/2008
9/1/2008
9/1/2008
9/2/2008
9/3/2008
8/1/1989
6/16/2005
7/1/1986
95
ST
CLIENT
CONTACT
NC
Pitt Community College
Greenville, NC
NC
Queens University of Charlotte
Charlotte, NC
NC
Randolph Community College
Asheboro, NC
NC
South Piedmont Community College
Monroe, NC
NC
Southwestern Community College
Sylva, NC
NC
St. Andrews Presbyterian College
Laurinburg, NC
NC
Stonewood Apartments
Durham, NC
NC
The Art Institute of Charlotte
Charlotte, NC
NC
The Art Institute of Raleigh-Durham
Durham, NC
NC
The Medical Arts School
Raleigh, NC
NC
United Guaranty
Greensboro, NC
NC
University of North Carolina at
Asheville
Asheville, NC
University of North Carolina Chapel
Hill
Chapel Hill, NC
University of North Carolina Chapel
Hill
Chapel Hill, NC
University of North Carolina
Charlotte
Charlotte, NC
Tracey Yarborough
252-493-7327
tyarborough@email.pittcc.edu
Lee Tabor
704-337-2467
taborl@queens.edu
Darlene Marsh
336-633-0292
djmarsh@randolph.edu
Monica Miller
704-290-5849
cburnop@spcc.edu
Toni Holland
800-447-4091
tholland@southwesterncc.edu
Kendra Pegues
910-277-5225
pegueskm@sapc.edu
Nicole Woodley
919-477-1456
stonewood@thalhimer.com
Lauren Brown
704-357-5897
laubrown@aii.edu
Cherie Smith
(919) 317-3118
cmsmith@aii.edu
Susanne Luckey-Rimberg
919-872-6386
srimberg@medicalartsschool.com
Jefferey Woehr
336-412-0614
woehrja@ugcorp.com
Alexis Levenson
828-251-6609
alevenso@unca.edu
Gary Maynard
919-962-5844
gmaynard@email.unc.edu
Beth Williams
919-843-7013
Beth_Williams @unc.edu
Neil Jones
704-687-7317
njones62@uncc.edu
NC
NC
NC
DATE
SERVICE
BEGAN
9/1/2008
1/1/1987
9/1/2008
5/12/2009
9/1/2008
7/1/1988
4/1/2005
8/10/2005
2/18/2009
5/30/2007
9/1/2008
9/1/2008
9/1/2008
9/1/2008
9/1/2008
96
ST
CLIENT
CONTACT
NC
Greensboro
Greensboro, NC
Pembroke
Pembroke, NC
University of North Carolina School
of the Arts
Winston-Salem, NC
Wilmington
Wilmington, NC
Vance-Granville Community College
Henderson, NC
Heather B Wolford
336-334-4010
hmbradsh@uncg.edu
Staci Huffman
910-775-4082
staci.huffman@uncp.edu
Trish Garner
336-770-3307garnert@uncsa.edu
Kim Z Lundy
910-962-3146
zadellk@uncw.edu
Jenny Luffman
252-738-3266
luffman@vgcc.edu
Karen Brown
336-758-3086
brownkm@wfu.edu
Angie Adams
336-716-2407
aadams@wfubmc.edu
Marla Tart
919-866-5901
mltart@waketech.edu
Phyllis Padgett
828-771-7000
ppadgett@warren-wilson.edu
Pat Sasser
919-735-5151
pds@waynecc.edu
Donna Jones
828-227-3105
djones@wcu.edu
Anita Crunk
336-838-6108
anita.crunk@wilkescc.edu
Wynne Stegall
704-233-8217
wstegall@wingate.edu
Fern Johnson
336-750-2816
johnsopm@wssu.edu
Janet Reisenauer
701-483-2533
janet.reisenauer@dickinsonstate.edu
NC
NC
NC
NC
NC
Wake Forest University
Winston-Salem, NC
NC
Wake Forest University Health
Sciences
Winston-Salem, NC
Wake Technical Community College
Raleigh, NC
NC
NC
Warren Wilson College
Swannanoa, NC
NC
Wayne Community College
Goldsboro, NC
NC
Western Carolina University
Cullowhee, NC
NC
Wilkes Community College
Wilkesboro, NC
NC
Wingate University
Wingate, NC
NC
Winston-Salem State University
Winston-Salem, NC
ND
Dickinson State University
Dickinson, ND
DATE
SERVICE
BEGAN
9/1/2008
2/11/2009
9/1/2008
9/1/2008
9/1/2008
6/1/1994
6/1/2002
9/1/2008
12/1/1993
9/1/2008
9/1/2008
9/1/2008
3/1/1987
9/1/2008
3/9/2011
97
ST
CLIENT
CONTACT
ND
Jamestown College
Jamestown, ND
ND
Lake Region State College
Devils Lake, ND
ND
Mayville State University
Mayville, ND
ND
University of Mary
Bismarck, ND
NE
Creighton University
Omaha, NE
NE
Nebraska Methodist College
Omaha, NE
NE
University of Nebraska at Omaha
Omaha, NE
NE
York College- NE
York, NE
NH
Franklin Pierce University
Rindge, NH
NH
New Hampshire Charitable
Foundation
Concord, NH
Southern New Hampshire University
Manchester, NH
Joleen Steinmetz
(701) 252-3467 x 5561
jsteinme@jc.edu
Joann Kitchens
701-662-1502
joann.kitchens@lrsc.edu
Danielle Power
701-788-4757
danielle.power@mayvillestate.edu
Rocky Langer
701-355-8330
rlanger@umary.edu
Bob Leahy
402-280-3024
rleahy@creighton.edu
Beth Friedman
402-354-7236
beth.friedman@methodistcollege.edu
Stacey Molgaard
402-554-2954
smolgaar@unomaha.edu
Dan Cole
402-363-5609
dcole@york.edu
Bill Fletcher
603-899-1123
fletcherw@franklinpierce.edu
Michelle Mersereau
603-225-6641
jlkb@nhcf.org
Rose Ruggiero
603-645-9772
r.ruggiero@snhu.edu
Aeda Ghandour
201-692-2428
ghandour@fdu.edu
Linda Pagan
732-364-2200
pagan@georgian.edu
Theo Zayac
570-702-8921
tzayac@johnson.edu
Orley Parientee
908-737-3182
oparient@exchange.kean.edu
NH
NJ
Fairleigh Dickinson University
Teaneck, NJ
NJ
Georgian Court University
Lakewood, NJ
NJ
Johnson College
Scranton, NJ
NJ
Kean University
Union, NJ
DATE
SERVICE
BEGAN
6/1/2004
11/10/2009
12/1/2011
1/26/2010
4/15/2004
9/2/2009
1/25/2010
1/10/2007
1/26/2012
10/1/1999
5/6/2013
1/1/1992
2/28/2005
11/30/2012
10/1/2003
98
ST
CLIENT
CONTACT
NJ
Monmouth University
W. Long Branch, NJ
NJ
New Jersey City University
Jersey City, NJ
NJ
New Jersey Institute of Technology
Newark, NJ
NJ
Ocean County College
Toms River, NJ
NJ
Ocean County College Foundation
Toms River, NJ
NJ
Princeton University
Princeton, NJ
NJ
Rutgers, The State Universtiy of
New Jersey
Piscataway, NJ
University of Medicine & Dentistry of
New Jersey
New Brunswick, NJ
William Paterson University
Wayne, NJ
Mohieb Mohsen
732-571-3459
mmohsen@monmouth.edu
Peter Ljutic
201-200-2040
pljutic@njcu.edu
Carla Perez
973-596-3157
carla.i.perez@njit.edu
Angela Stephen
732-255-0400
astephen@ocean.edu
Sandy Broughton
732-255-0400
sbroughton@ocean.edu
Jon Luse
609-258-5901
jrluse@princeton.edu
Ellen Harris-Small
732-445-4191
eharriss@rutgers.edu
Dianne Atwell
732-235-9181
atwelldm@umdnj.edu
Richard Macri
973-720-2677
macrir@wpunj.edu
Esther Salas
505-271-3488
esalas@brownmackie.edu
Leah Boss
505-424-5732
lboss@iaia.edu
Alice Arenas-Caro
575-646-4911
aarenas@nmsu.edu
Larry Pepin
505-984-6092
ljpepin@sjcsf.edu
Joe Eggleston
505-277-7667
jeggle@unm.edu
Cory McDonald
702-992-2122
cory.mcdonald@nsc.nevada.edu
NJ
NJ
NM
NM
Brown Mackie College Albuquerque
Albuquerque, NM
Institute of American Indian Arts
Santa Fe, NM
NM
New Mexico State University
Las Cruces, NM
NM
St. John's College Santa Fe
Santa Fe, NM
NM
University of New Mexico
Albuquerque, NM
NV
Nevada State College
Henderson, NV
DATE
SERVICE
BEGAN
4/30/2007
5/27/2005
3/16/2005
2/27/2006
5/20/2009
8/1/2003
4/10/2007
6/1/2003
6/26/2012
8/4/2010
8/11/2011
5/29/2012
3/25/2010
6/18/2012
1/3/2013
99
ST
CLIENT
CONTACT
NV
The Art Institute of Las Vegas
Henderson, NV
NV
University of Nevada, Las Vegas
Las Vegas, NV
NV
University of Nevada, Reno
Reno, NV
NY
Albany Medical College
Albany, NY
NY
Alfred University
Alfred, NY
NY
Barnard College
New York, NY
NY
Canisius College
Buffalo, NY
NY
Columbia University
New York, NY
NY
Cornell University
Ithaca, NY
NY
Culinary Institute of America
Hyde Park, NY
NY
Daemen College
Amherst, NY
NY
Elmira College
Elmira, NY
NY
Genesee Community College
Batavia, NY
NY
Hamilton College
Clinton, NY
NY
Hilbert College
Hamburg, NY
Faith Angel
702-992-8515
fangel@aii.edu
Kelly Boan
702-895-3577
kelly.boan@unlv.edu
Kevin Page
775-784-6095
kevinp@unr.edu
Shirrie Chajon
518-262-2207
chajons@mail.albany.edu
Deb Votava
607-871-2913
votavad@alfred.edu
Denis Riker
212-854-2026
driker@barnard.edu
Kevin Smith
716-888-8534
paarc@canisius.edu
Nida Williams
212-854-5103
nw95@columbia.edu
Kristin Pennock
607-255-4160
kp79@cornell.edu
Linda Terwilliger
845-452-9600
l_terwil@culinary.edu
Sylvia Muhr
716-839-8502
smuhr@daemen.edu
Kathy Davis
607-735-1761
kdavis@elmira.edu
Kathy Meloon
585-343-0055
kameloon@genesee.edu
Amy Ariglio
315-859-4317
aariglio@hamilton.edu
Mary King
716-926-8815
mking@hilbert.edu
DATE
SERVICE
BEGAN
10/1/2004
11/28/2012
11/28/2012
7/1/2004
1/20/2010
9/11/2012
2/7/2013
6/13/2005
3/30/2006
4/2/2007
10/31/2008
1/1/2004
10/4/2010
6/24/2009
5/2/2012
100
ST
CLIENT
CONTACT
NY
Jamestown Business College
Jamestown, NY
NY
Long Island University
Brookville, NY
NY
Niagara County Community College
Sanborn, NY
NY
Niagara University
Niagara University, NY
NY
Nyack College
Nyack, NY
NY
Olean Business Institute
Olean, NY
NY
Polytechnic Institute of NYU
Brooklyn, NY
NY
Quorum Federal Credit Union
Purchase, NY
NY
Rensselaer Polytechnic Institute
Troy, NY
NY
School of Visual Arts
New York, NY
NY
St. Bonaventure University
St. Bonaventure, NY
NY
Syracuse University
Syracuse, NY
NY
Teach For America
New York, NY
NY
Technical Career Institutes, Inc.
New York, NY
NY
The Art Institute of New York City
New York, NY
Diane Sturzenbecker
716-488-3021
dianesturzenbecker@jamestownbusi
nesscollege.edu
Melissa Quan Soon Victor
516-299-4019
melissa.quansoonvictor@liu.edu
Theresa M. DiGregoria
716-614-6431
digregor@niagaracc.suny.edu
Karen Caso
716-286-8376
kcaso@niagara.edu
Rachel Taylor
845-675-4745
rachel.taylor@nyack.edu
Debbie Ralston
716-372-7978
dralston@obi.edu
Brian Stewart
718-260-3915
rstewart@poly.edu
Eleanor Dwinall
914-641-3786
eleanor.dwinall@quorumfcu.org
Pamela McCumber
518-276-6263
mccump@rpi.edu
Jennyfer Scott
212-592-2083
jscott7@sva.edu
Ann Kightlinger
706-375-2133
akightli@sbu.edu
Steve Kelly
315-443-3411
stkelly@syr.edu
Rachel Perry
212-279-2080
rachel.perry@teachforamerica.org
Maritza Madera
212-594-4000
mmadera@tcicollege.edu
Santiago Altamirano
212-625-6766
saltamirano@aii.edu
DATE
SERVICE
BEGAN
11/10/2011
12/14/2011
9/8/2009
7/2/2008
10/22/2010
6/11/2009
5/1/2004
7/2/2012
11/9/2009
8/29/2011
7/2/2012
10/21/2011
12/1/2003
1/21/2011
12/1/2004
101
ST
CLIENT
CONTACT
NY
Touro College
New York, NY
NY
Union College
Schenectady, NY
NY
University of Rochester
Rochester, NY
NY
University of Rochester School of
Medicine & Dentistry
Rochester, NY
Utica College
Utica, NY
Yelena Kukuy
212-742-8770
ykukuy@touro.edu
Dianne Camp
518-388-6039
campd@union.edu
Karen Gorton
585-275-5817
kgorton@admin.rochester.edu
Peg Ehmann
585-275-4672
peg_ehmann@urmc.rochester.edu
Kate Hoover
315-792-3016
kmhoover@utica.edu
Renee Behnke
845-437-5389
rebehnke@vassar.edu
Michael Eadie
716-961-1884
meadie@villa.edu
Connie Cox
937-769-1367
ccox@university.antioch.edu
Kathleen Mathis
330-869-3607
kmathis@brownmackie.edu
Jacquelyn Chandler
513-672-1554
jchandler@brownmackie.edu
Mary Keiser
419-429-8745
mkeiser@brownmackie.edu
Joyce Bouscher
330-491-8594
jbouscher@brownmackie.edu
Karen Conison
614-236-6575
kconison@capital.edu
Tom Weber
216-368-4308
tmw3@case.edu
Belinda Quinn
419-473-2700
bquinn@daviscollege.edu
NY
NY
Vassar College
Poughkeepsie, NY
NY
Villa Maria College
Buffalo, NY
OH
Antioch University
Yellow Springs, OH
OH
Brown Mackie College - Akron
Akron, OH
OH
Brown Mackie College - Cincinnati
Cincinnati, OH
OH
Brown Mackie College - Findlay
Findlay, OH
OH
Brown Mackie College - North
Canton
Canton, OH
Capital University
Columbus, OH
OH
OH
Case Western Reserve University
Cleveland, OH
OH
Davis College
Toledo, OH
DATE
SERVICE
BEGAN
2/27/2007
1/1/1992
11/3/2006
8/19/2009
7/2/2007
10/1/2003
1/30/2013
10/1/2000
5/5/2009
1/14/2005
10/4/2005
3/13/2009
11/1/2000
12/17/2008
10/26/2011
102
ST
CLIENT
CONTACT
OH
Defiance College
Defiance, OH
OH
Denison University
Granville, OH
OH
John Carroll University
University Heights, OH
OH
Kenyon College
Gambier, OH
OH
Lake Erie College
Painesville, OH
OH
Lourdes College
Sylvania, OH
OH
Malone University
Canton, OH
OH
Marietta College
Marietta, OH
OH
Mount Vernon Nazarene University
Mount Vernon, OH
OH
Notre Dame College
South Euclid, OH
OH
Oberlin College & Conservatory
Oberlin, OH
OH
Ohio Christian University
Circleville, OH
OH
Ohio Dominican University
Columbus, OH
OH
Ohio Northern University
Ada, OH
OH
Ohio Wesleyan University
Delaware, OH
Dionna Prchlik
419-783-2357
dprchlik@defiance.edu
JoAn Matteson
740-587-6761
matteson@denison.edu
Diane Ward
216-397-4272
ward@jcu.edu
Sarah Hamm
740-427-5179
hamms@kenyon.edu
Brad Holton
440-375-7020
bholton@lec.edu
Irene Buechele
419-824-3696
ibuechele@lourdes.edu
Julie Pizor
330-471-8113
jpizor@malone.edu
Kelly Taylor
740-376-4726
kelly.taylor@marietta.edu
Sandy Brayton
740-392-6868
sandy.brayton@mvnu.edu
Jason Lapinski
216-373-6352
jlapinski@ndc.edu
Gerri Johnson
440-775-8457
gerri.johnson@oberlin.edu
Wes Brothers
740-477-7757
wbrothers@ohiochristian.edu
Christy Egler
614-251-4780
eglerc@ohiodominican.edu
Lisa Conley
419-772-2014
l-conley@onu.edu
Ben Emch
740-368-3371
bremch@owu.edu
DATE
SERVICE
BEGAN
4/9/2008
8/1/2003
7/30/2012
3/21/2005
12/1/1992
6/13/2008
11/7/2006
2/16/2011
10/1/2004
6/3/2005
8/24/2010
6/1/1998
3/30/2007
4/3/2012
11/17/2005
103
ST
CLIENT
CONTACT
OH
Otterbein University
Westerville, OH
OH
The Art Institute of Ohio - Cincinnati
Cincinnati, OH
OH
The College of Wooster
Wooster, OH
OH
The University of Mount Union
Alliance, OH
OH
University of Dayton
Dayton, OH
OH
University of Findlay
Findlay, OH
OH
University of Rio Grande
Rio Grande, OH
OK
Brown Mackie College - Tulsa
Tulsa, OK
OK
Langston University
Langston, OK
OK
Oklahoma Baptist University
Shawnee, OK
OK
Oklahoma Christian University
Oklahoma City, OK
OK
Oklahoma City University
Oklahoma City, OK
OK
Oklahoma State University
Stillwater, OK
OK
Oral Roberts University
Tulsa, OK
OK
Southern Nazarene University
Bethany, OK
Judy Ralph
614-823-1150
jralph@otterbein.edu
Casey Linebrink
513-833-2467
clinebrink@aii.edu
Terri Brigham
330-263-2321
TBrigham@wooster.edu
Joan L. Cockrill
330-823-6566
cockrijl@mountunion.edu
Theresa Shidacker
937-229-3048
theresa.shidaker@notes.udayton.edu
Mary Huber
419-434-4505
huber@findlay.edu
Brad Hagen
740-245-7557
bhagen@rio.edu
Mykkisu Quimby
918-628-3732
mquimb@brownmackie.edu
Vera Escoe
405-466-3213
vlescoe@lunet.edu
Melinda Newpher
405-878-2019
melinda.newpher@okbu.edu
Andrew Duffle
405-425-5170
andrew.duffle@oc.edu
Jan Stovall
405-208-5730
jstovall@okcu.edu
Laurie Beets
405-744-7776
laurie.beets@okstate.edu
Kim Morgan
918-495-6368
kmorgan@oru.edu
Dena Reed
405-491-6310
dereed@snu.edu
DATE
SERVICE
BEGAN
10/1/1988
1/14/2005
9/20/2006
8/17/2007
2/1/1999
6/16/2005
10/28/2011
7/10/2009
2/13/2012
6/1/2000
9/1/2000
12/1/2000
2/1/2000
3/1/2000
3/13/2006
104
ST
CLIENT
CONTACT
OK
St. Gregory's University
Shawnee, OK
OK
University of Central Oklahoma
Edmund, OK
OK
University of Oklahoma Health
Sciences Center
Oklahoma City, OK
University of Science and Arts of
Oklahoma
Chickasha, OK
Chemeketa Community College
Salem, OR
Rachel Rucker
405-878-5417
rarucker@stgregorys.edu
Jeddie Botsford
405-974-2935
jbotsford@uco.edu
Ann Wilson
405-271-2433
ann-wilson@ouhsc.edu
Sharla Bare
405-574-1335
sbare@usao.edu
Miriam Rozan
503-399-8486
rozm@chemeketa.edu
Kandi Savage
541-962-3305
ksavage@eou.edu
Cynthia Deshpande
541-463-5610
cynthia@lanecc.edu
Susan Mako
503-768-7825
mako@lclark.edu
Michelle Solberg
503-491-6981
Michelle.solberg@mhcc.edu
Jasmine Rury
541-485-1780
jasminerury@newhope.edu
Betty Harvey
503-494-9765
harveyb@ohsu.edu
Sara Reuter
541-885-1628
sara.reuter@oit.edu
Jon Bickler
541-737-0639
jon.bickler@oregonstate.edu
Doreen Hanna
503-977-4439
dhanna@pcc.edu
Amanda Nguyen
503-725-3793
anguyenaf@pdx.edu
OK
OR
OR
Eastern Oregon University
La Grande, OR
OR
Lane Community College
Eugene, OR
OR
Lewis & Clark College
Portland, OR
OR
Mt. Hood Community College
Gresham, OR
OR
New Hope Christian College
Eugene, OR
OR
Oregon Health Sciences University
Portland, OR
OR
Oregon Institute of Technology
Klamath Falls, OR
OR
Oregon State University
Corvallis, OR
OR
Portland Community College
Portland, OR
OR
Portland State University
Portland, OR
DATE
SERVICE
BEGAN
4/1/2002
8/15/2001
12/1/2000
2/14/2007
8/19/2005
6/18/2007
10/22/2007
8/31/2007
4/27/2010
12/17/2012
6/20/2007
7/6/2007
7/13/2007
3/1/2003
7/9/2007
105
ST
CLIENT
CONTACT
OR
Reed College
Portland, OR
OR
Southern Oregon University
Ashland, OR
OR
Southwestern Oregon Community
College
Coos Bay, OR
The Art Institute of Portland
Portland, OR
Sara Rosenberger
503-777-7504
sara.rosenberger@reed.edu
Pamala McKeen
541-552-6560
mckeen@sou.edu
Jackie Hansford
541-888-7221
jhansford@socc.edu
Thomas McGarr
503-382-4754
tmcgarr@aii.edu
LynElle Jester
541-346-1219
LJester@uoregon.edu
Tom Kirk
503-838-8210
kirkt@wou.edu
Beverly Loos
503-375-5455
bloos@willamette.edu
Rebecca Wallace
412-261-1611
rwallace@gibson-fnd.org
Mario DiClerico
215-572-4083
diclerim@arcadia.edu
Ron Stauffer
570-577-3305
rstauffer@bucknell.edu
Linda Root
412-578-6258
rootlc@carlow.edu
Will Wathington
215-895-0412
www24@drexel.edu
John Sucha
412-396-6683
sucha@duq.edu
James Terrell
412-518-6998
jterrell@edmc.edu
Theresa Roach
866-421-4643
troach@edmc.edu
OR
OR
University of Oregon
Eugene, OR
OR
Western Oregon University
Monmouth, OR
OR
Willamette University
Salem, OR
PA
Addison H. Gibson Foundation
Pittsburgh, PA
PA
Arcadia University
Glenside, PA
PA
Bucknell University
Lewisburg, PA
PA
Carlow University
Pittsburgh, PA
PA
Drexel University
Philadelphia, PA
PA
Duquesne University
Pittsburgh, PA
PA
EDMC Online Higher Education
Pittsburgh, PA
PA
Education Management Corporation
Pittsburgh, PA
DATE
SERVICE
BEGAN
10/9/2006
6/19/2007
4/9/2008
12/31/2004
7/26/2007
6/17/2007
4/18/2006
3/1/2003
6/2/2011
4/13/2009
5/1/2003
7/5/2011
10/1/2000
3/1/2004
8/31/2004
106
ST
CLIENT
CONTACT
PA
Elizabethtown College
Elizabethtown, PA
PA
Gettysburg College
Gettysburg, PA
PA
Harrisburg University of Science
and technology
Harrisburg, PA
Immaculata University
Immaculata, PA
Ben Goodhart
717-361-1218
goodhartb@etown.edu
Pamela Wilson
717-337-6203
pwilson@gettysburg.edu
Jeremy Walmer
717-901-5135
jwalmer@harrisburgu.edu
Jill Seacrist
610-647-4400
jseacrist@immaculata.edu
Laura Buterbaugh
724-357-7933
lsbuterb@iup.edu
Wendy Pursell
610-683-4185
pursell@kutztown.edu
Margaret Wright
215-951-1929
wright@lasalle.edu
Carrie Skovrinskie
717-867-6303
skovrins@lvc.edu
Linda Muckey
610-758-3161
lm03@lehigh.edu
Doris Conlin
717-872-3021
doris.conlin@millersville.edu
Angeline Campbell
215-965-8559
acampbell@moore.edu
Sue O'Hare
610-861-1588
mesio01@moravian.edu
Michelle Elliott
814-886-6496
melliott@mtaloy.edu
Debbie Leitner
215-969-0320
debbie@studymassage.com
Jeffrey Norris
814-865-4926
jan1@psu.edu
PA
PA
Indiana University of Pennsylvania
Indiana, PA
PA
Kutztown University
Kutztown, PA
PA
LaSalle University
Philadelphia, PA
PA
Lebanon Valley College
Annville, PA
PA
Lehigh University
Bethlehem, PA
PA
Millersville University
Millersville, PA
PA
Moore College of Art and Design
Philadelphia, PA
PA
Moravian College
Bethlehem, PA
PA
Mount Aloysius College
Cresson, PA
PA
National Massage Therapy Institute
Philadelphia, PA
PA
Pennsylvania State University
University Park, PA
DATE
SERVICE
BEGAN
12/1/2004
5/13/2008
1/27/2010
12/9/2005
10/1/1999
8/1/2004
5/5/2008
2/1/1999
10/22/2009
7/1/2004
3/1/2003
2/8/2005
10/12/2005
4/8/2010
5/11/2005
107
ST
CLIENT
CONTACT
PA
Pennsylvania State University World
Campus & Continuing Education
University Park, PA
Philadelphia College of Osteopathic
Medicine
Philadelphia, PA
Philadelphia University
Philadelphia, PA
Linda Fultz
814-867-0281
lms150@psu.edu
John Carlin
215-871-6903
johnc@pcom.edu
Marina VanGossen
215-951-2708
vangossenmp@PhilaU.edu
Mary Reis
412-392-3933
mreis@pointpark.edu
Valerie Harding
610-527-0200
vharding@rosemont.edu
Suzanne Dominick
724-830-4635
dominick@setonhill.edu
Joe Kopchick
717-477-1123
jakopc@ship.edu
Timothy Harlan
724-738-2235
timothy.harlan@sru.edu
Theresa Roach
866-421-4643
troach@edmc.edu
David Glezerman
215-204-6728
david.glezerman@temple.edu
Nettie Minus
215-405-6361
minusn@aii.edu
Carol McMurray
412-291-6288
cmcmurray@aii.edu
Cathy Sowers
717-757-1511
csowers@aii.edu
Melinda Banick
570-941-7754
brinkm2@scranton.edu
Nancy Solderich
724-589-2056
nsolderich@thiel.edu
PA
PA
PA
Point Park University
Pittsburgh, PA
PA
Rosemont College
Rosemont, PA
PA
Seton Hill University
Greensburg, PA
PA
Shippensburg University of
Pennsylvania
Shippensburg, PA
Slippery Rock University of
Pennsylvania
Slippery Rock, PA
South University
Pittsburgh, PA
PA
PA
PA
Temple University
Philadelphia, PA
PA
The Art Institute of Philadelphia
Philadelphia, PA
PA
The Art Institute of Pittsburgh
Pittsburgh, PA
PA
The Art Institute of York,
Pennsylvania
York, PA
The University of Scranton
Scranton, PA
PA
PA
Thiel College
Greenville, PA
DATE
SERVICE
BEGAN
2/10/2012
11/1/2001
7/1/2004
8/9/2004
7/13/2012
9/1/2003
8/13/2007
10/22/2004
3/1/1998
6/1/1992
8/1/1990
4/1/1990
11/1/2004
8/1/2004
5/1/2003
108
ST
CLIENT
CONTACT
PA
University of Pennsylvania
Philadelphia, PA
PA
University of Pittsburgh
Pittsburgh, PA
PA
Valley Forge Christian College
Phoenixville, PA
PA
Waynesburg University
Waynesburg, PA
PA
West Chester University
West Chester, PA
PA
Westminster College
New Wilmington, PA
PA
Widener University
Chester, PA
PA
YTI Capitol Region Campus
Mechanicsburg, PA
RI
Brown University
Providence, RI
RI
Bryant University
Smithfield, RI
SC
Anderson University
Anderson, SC
SC
Benedict College
Columbia, SC
SC
Bob Jones University
Greenville, SC
SC
Carolina Driving Institute
Rock Hill, SC
SC
Charleston Southern University
Charleston, SC
Jo Delaney
215-898-0383
delaney@sfs.upenn.edu
Joanne Stumme
412-624-7555
jstumme@bc.pitt.edu
Betty Smith
610-917-1426
blsmith@vfcc.edu
David Martin
724-852-3463
dmartin@waynesburg.edu
Jeannette Crouthamel
610-436-2554
JCrouthamel@wcupa.edu
Jennifer DeSantis
724-946-7159
desantjl@westminster.edu
Deanna O'Driscoll
610-499-4185
deodriscoll@widener.edu
Jennifer Dow
717-757-8162
Jennifer.dow@yti.edu
Keirsten Connors
401-863-9840
Keirsten_Connors@brown.edu
Michelle Marcano
401-232-6032
mmarcano@bryant.edu
Kristie Cole
864-231-2067
kcole@andersonuniversity.edu
Ann Cooks
803-705-4391
cooksa@benedict.edu
Ted Cheadle
864-242-5100
tcheadle@bju.edu
Wendy Lawson
803-789-3100
wendy@carolinacargo.com
Nicole Wallenfelsz
843-863-8048
nwallenfelsz@csu.edu
DATE
SERVICE
BEGAN
10/1/2001
8/25/2010
2/22/2007
8/1/2002
8/1/2000
9/14/2006
11/6/2006
10/29/2007
11/17/2008
12/13/2005
3/1/1997
11/1/1987
11/1/1999
11/20/2006
4/1/1988
109
ST
CLIENT
CONTACT
SC
Claflin University
Orangeburg, SC
SC
Clemson University
Clemson, SC
SC
Clinton Junior College
Rock Hill, SC
SC
Coastal Carolina University
Conway, SC
SC
Coker College
Hartsville, SC
SC
College of Charleston
Charleston, SC
SC
Columbia College
Columbia, SC
SC
Converse College
Spartanburg, SC
SC
Florence-Darlington Technical
College
Florence, SC
Francis Marion University
Florence, SC
Cynthia Jamison
803-535-5583
cyjamison@claflin.edu
Donald (DJ) Wetzel
864-656-5583
wetzel@clemson.edu
Archinya Ingram
803-327-7402
aingram@clintonjuniorcollege.edu
Patty Lee
843-349-2047
plee@coastal.edu
Linda Lewis
843-383-8026
llewis@coker.edu
Joe Meyers
843-953-5799
meyersjr@cofc.edu
Beth Westbury
803-786-3074
bwestbury@columbiasc.edu
Dawn Durham
864-596-9028
dawn.durham@converse.edu
Juanita Schemel
843-413-2718
juanita.schemel@fdtc.edu
Arleen Waters
843-661-1125
mwaters@fmarion.edu
Whitney Butler
864-294-3498
whitney.butler2241@furman.edu
Charlene Burel
864-388-8706
cburel@lander.edu
Bobby Greer
864-488-8251
bgreer@limestone.edu
Lucille Davis
803-934-3238
lwdavis@morris.edu
Debbie Jarman
803-321-5105
debbie.jarman@newberry.edu
SC
SC
Furman University
Greenville, SC
SC
Lander University
Greenwood, SC
SC
Limestone College
Gaffney, SC
SC
Morris College
Sumter, SC
SC
Newberry College
Newberry, SC
DATE
SERVICE
BEGAN
5/1/1987
8/1/1997
9/30/2009
7/1/1990
11/1/1986
1/1/1989
9/1/1987
11/1/1986
3/1/1987
10/1/1988
12/1/2000
7/1/1989
2/1/1990
1/1/1987
11/1/1986
110
ST
CLIENT
CONTACT
SC
North Greenville University
Tigerville, SC
SC
Orangeburg-Calhoun Technical
College
Orangeburg, SC
Presbyterian College
Clinton, SC
Michael Jordan
864-977-7058
mjordan@ngu.edu
Dayna Smoak
803-535-1215
smoakdw@octech.edu
Renee Suber-Kinard
864-833-8209
rskinard@presby.edu
Kathy Wilson
864-578-8770
kwilson@sherman.edu
Willie Mae Johnson
803-536-8612
wjohns26@scsu.edu
Denise Eastering
803-612-5081
deasterling@scstudentloan.org
Melanie Gillespie
864-644-5501
mlgillespie@swu.edu
Alan Shufelt
(864) 592-4229
shufelta@sccsc.edu
Tina Kilpatrick
864-587-4234
kilpatt@smcsc.edu
Claudia S Morgan
843-525-8355
cmorgan@tcl.edu
Courtney Melvin
843-727-3477
cmelvin@aii.edu
Patty Fitzgerald
843-953-6981
Patty.Fitzgerald@citadel.edu
Linda Driggers
864-646-1798
ldrigger@tctc.edu
Kimberly Cleveland
843-574-6220
kimberly.cleveland@tridenttech.edu
Tamara Washington
803-777-7963
washi363@mailbox.sc.edu
SC
SC
SC
SC
SC
Sherman College Of Straight
Chiropractic
Spartanburg, SC
South Carolina State University
Orangeburg, SC
South Carolina Student Loan
Corporation
Columbia, SC
Southern Wesleyan University
Central, SC
SC
Spartanburg Community College
Spartanburg, SC
SC
Spartanburg Methodist College
Spartanburg, SC
SC
Technical College of the Lowcountry
Beaufort, SC
SC
The Art Institute of Charleston
Charleston, SC
SC
The Citadel
Charleston, SC
SC
TriCounty Technical College
Pendleton, SC
SC
Trident Technical College
Charleston, SC
SC
University of South Carolina
Columbia, SC
DATE
SERVICE
BEGAN
10/1/1986
7/7/2011
11/1/1987
8/1/1986
3/1/1987
8/11/2011
6/1/1987
5/4/2010
9/1/1986
11/9/2004
3/31/2008
5/1/1989
7/2/2003
3/1/1988
8/1/1988
111
ST
CLIENT
CONTACT
SC
University of South Carolina Aiken
Aiken, SC
SC
University of South Carolina Library
Columbia, SC
SC
University of South Carolina Upstate
Spartanburg, SC
SC
University of South Carolina Upstate
- Parking Services
Spartanburg, SC
Voorhees College
Denmark, SC
Gwen Ashley
803-641-3495
gwena@usca.edu
Chad Price
803-777-3145
cwprice@gwm.sc.edu
Katy Smith
864-503-5233
ksmith3@uscupstate.edu
Glynda Miller
864-503-5269
gmiller@uscupstate.edu
Michelle Green
803-780-1146
mgreen@voorhees.edu
Wendy Birt
803-554-8801
wbirt@walk2campus.com
Carol Morgan
803-323-2522
morganc@winthrop.edu
Michelle Smith
864-597-4235
smithmh@wofford.edu
Melinda Moore
803-981-7017
melinda.moore@yorktech.com
Kristi Voss
605-256-5157
kristi.voss@dsu.edu
Julie Forman
605-882-5284
formanj@lakeareatech.edu
Kermit Schamber
605-668-1297
kschamber@mtmc.edu
Jane Dvorak
605-688-4468
jane.dvorak@sdstate.edu
Kelly Rogenmoser
605-331-6640
kelly.rogenmoser@usiouxfalls.edu
Marjorie Perrault
931-221-7664
perraultm@apsu.edu
SC
SC
Walk2Campus Properties
Rock Hill, SC
SC
Winthrop University
Rock Hill, SC
SC
Wofford College
Spartanburg, SC
SC
Rock Hill, SC
SD
Dakota State University
Madison, SD
SD
Lake Area Technical Institute
Watertown, SD
SD
Mount Marty College
Yankton, SD
SD
South Dakota State University
Brooklings, SD
SD
University of Sioux Falls
Sioux Falls, SD
TN
Austin Peay State University
Clarksville, TN
DATE
SERVICE
BEGAN
6/29/2007
8/1/1988
12/28/2005
2/28/2011
4/1/1987
5/19/2010
10/1/1992
8/26/1994
12/21/2006
9/13/2011
8/2/2012
6/26/2009
9/22/2011
7/23/2012
7/2/2002
112
ST
CLIENT
CONTACT
TN
Baptist College of Health Sciences
Memphis, TN
TN
Belmont University
Nashville, TN
TN
Belmont University
Nashville, TN
TN
Bethel University - TN
McKenzie, TN
TN
Cadek Conservatory of Music
Chattanooga, TN
TN
Carson-Newman College
Jefferson City, TN
TN
Chattanooga State Technical
Community College
Chattanooga, TN
Cleveland State Community College
Cleveland, TN
Sherita Martin
901-572-2443
sherita.martin@bchs.edu
Edward Allen
615-460-5069
edward.allen@belmont.edu
Greg Manogin
615-460-6403
greg.manogin@belmont.edu
Jack Holland
731-352-4217
hollandj@bethelu.edu
Ann Laster
423-425-4624
ann-laster@utc.edu
Dianne Rorie
865-471-3206
drorie@cn.edu
Lisa Hancock
423-697-4731
lisa.hancock@chattanoogastate.edu
Wynonia Mckinney
423-478-6222
wmckinney@clevelandstatecc.edu
Melanie Hartsfield
931-540-2834
mmarston5@columbiastate.edu
Barbara Fuller
615-444-2562
bfuller@cumberland.edu
Karen Gruggett
731-286-3319
gruggett@dscc.edu
Chris Hicks
423-439-5655
hicksc@etsu.edu
Jason Grey
615-329-8860
jgray@fisk.edu
Barry Smith
731-989-6009
bvsmith@fhu.edu
Teresa Hamlin
931-506-5343
thamlin@gci.edu
TN
TN
Columbia State Community College
Columbia, TN
TN
Cumberland University
Lebanon, TN
TN
Dyersburg State Community
College
Dyersburg, TN
East Tennessee State University
Johnson City, TN
TN
TN
Fisk University
Nashville, TN
TN
Freed-Hardeman University
Henderson, TN
TN
Georgia Career Institute McMinnville
McMinnville, TN
DATE
SERVICE
BEGAN
11/1/2004
10/31/1998
11/1/1998
9/1/2002
8/30/2007
3/1/1987
4/1/2003
8/1/2002
3/1/2004
11/2/1993
1/1/2003
7/1/2002
6/1/1992
12/1/2003
2/17/2011
113
ST
CLIENT
CONTACT
TN
Georgia Career Institute Murfreesboro
Murfreesboro, TN
Jackson State Community College
Jackson, TN
Becca Taylor
615-896-0702
btaylor@gci.edu
Lynne Rouse
731-425-2613
lrouse@jscc.edu
Lettie Jackson
423-652-4719
ltjackso@king.edu
Sheila Lee
423-614-8109
sheilalee@leeuniversity.edu
Jill Neeley
423-869-6282
jill.neeley@lmunet.edu
Shelia Demonbreun
615-966-6161
Shelia.Demonbreun@lipscomb.edu
Alan Upchurch
865-981-8147
alan.upchurch@maryvillecollege.edu
Roxie Johnson
615-327-6356
rjohnson@mmc.edu
Heather Ragland
901-272-5126
hragland@mca.edu
Becky Bussell
615-898-5717
bbussell@mtsu.edu
Deidre Greely
423-461-8706
drgreeley@millligan.edu
Lisa Kane
931-393-1534
lkane@mscc.edu
Linda Langiotti
615-353-3312
linda.langiotti@nscc.edu
Jeannie Noonkester
423-323-3191
paposs@northeaststate.edu
Brenda Johnson
865-694-6613
bjjohnson@pstcc.edu
TN
TN
King College
Bristol, TN
TN
Lee University
Cleveland, TN
TN
Lincoln Memorial University
Harrogate, TN
TN
Lipscomb University
Nashville, TN
TN
Maryville College
Maryville, TN
TN
Meharry Medical College
Nashville, TN
TN
Memphis College of Art
Memphis, TN
TN
Middle Tennessee State University
Murfreesboro, TN
TN
Milligan College
Milligan College, TN
TN
Motlow State Community College
Tullahoma, TN
TN
Nashville State Technical
Community College
Nashville, TN
Northeast State Community College
Blountville, TN
TN
TN
Pellissippi State Technical
Community College
Knoxville, TN
DATE
SERVICE
BEGAN
2/17/2011
6/4/2010
5/1/1992
6/1/1991
5/1/1992
4/1/2000
6/1/1990
7/1/1992
5/1/2003
7/1/2002
10/1/1991
5/1/2003
11/1/2002
11/1/2003
9/1/2002
114
ST
CLIENT
CONTACT
TN
Rhodes College
Memphis, TN
TN
Roane State Community College
Harriman, TN
TN
South College - Knoxville
Knoxville, TN
TN
Southern Adventist University
Collegedale, TN
TN
Southwest Tennessee Community
College
Memphis, TN
Tennessee Career Institute Columbia
Columbia, TN
Tennessee State University
Nashville, TN
Richard Huddleston
901-843-3753
huddleston@rhodes.edu
Tabitha Hamby
865-354-3000
hambytn@roanestate.edu
Kevin Sparks
865-524-3043
ksparks@southcollegetn.edu
Kathy Pires
423-236-2653
klhauge@southern.edu
Margaret Hillman
901-333-4405
mhillman@southwest.tn.edu
Marge Sabin
931-388-7717
msabin@gci.edu
Carolyn Long
615-963-7634
clong@tnstate.edu
Cindy Mathis
931-372-3028
cmathis@tntech.edu
Debra Rogers
731-772-8160
debra.rogers@ttcwhiteville.edu
Debby Rupe
931-484-7502
debby.rupe@ttcc.edu
Jonathan Smallwood
615-374-2147
jonathan.smallwood@ttchartsville.ed
u
Cindy Crawford-Eckert
865-546-7302
cindy.crawford@ttcknoxville.edu
Barbara Carwile
931-823-5525
barbara.carwile@ttclivingston.edu
Marc Davis
901-543-6405
marc.davis@ttcmemphis.edu
Lisa Ryan
423-586-5774
lryan@ttcmorristown.edu
TN
TN
TN
Tennessee Technological University
Cookeville, TN
TN
Tennessee Technology Center at
Brownsville
Brownsville, TN
Crossville
Crossville, TN
Hartsville
Hartsville, TN
TN
TN
TN
TN
TN
TN
Knoxville
Knoxville, TN
Livingston
Livingston, TN
Memphis
Memphis, TN
Morristown
Morristown, TN
DATE
SERVICE
BEGAN
3/1/2004
4/1/2003
1/1/1997
12/1/1990
1/1/2003
2/17/2011
8/1/2002
9/1/2002
9/20/2010
7/1/2009
8/1/2009
8/14/2009
3/31/2010
3/1/2004
11/19/2009
115
ST
CLIENT
CONTACT
TN
Shelbyville
Shelbyville, TN
Whiteville
Brownsville, TN
Tennessee Temple University
Chattanooga, TN
Natalie Austin
931-685-5013
natalie.austin@ttcshelbyville.edu
Debra Rogers
731-772-8160
debra.rogers@ttcwhiteville.edu
Lucy Lu
423-493-4371
lul@tntemple.edu
Lacey Weese
423-746-5262
lweese@twcnet.edu
John Mitchell
865-938-8186
john.mitchell@thecrowncollege.edu
Jacqueline Benshoof
865-974-1393
benshoof@utk.edu
Suzanne Custer
931-598-1432
scuster@sewanee.edu
Phyllis Fite
615-248-1314
pfite@trevecca.edu
Tracey Julian
423-636-7300
tjulian@tusculum.edu
Melissa Morgan
901-678-3720
mamorgn3@memphis.edu
Nancy Neal
423-425-4474
NANCY-NEAL@utc.edu
Judy Kerley
731-881-7824
jkerley@utm.edu
Sheryl Simmons
731-881-7817
ssimmons@utm.edu
Gwendolyn Campbell
901-448-4848
gcampbell@uthsc.edu
Jeffrey Duly
615-343-6753
j.duly@vanderbilt.edu
TN
TN
TN
Tennessee Wesleyan College
Athens, TN
TN
The Crown College
Powell, TN
TN
The University of Tennessee
Knoxville, TN
TN
The University of The South
Sewanee, TN
TN
Trevecca Nazarene University
Nashville, TN
TN
Tusculum College
Greenville, TN
TN
University of Memphis
Memphis, TN
TN
University of Tennessee at
Chattanooga
Chattanooga, TN
University of Tennessee at Martin
Martin, TN
TN
TN
University of Tennessee at Martin
Martin, TN
TN
University of Tennessee Health
Science Center
Memphis, TN
Vanderbilt University
Nashville, TN
TN
DATE
SERVICE
BEGAN
4/1/2003
9/17/2009
6/1/1992
10/1/1993
9/29/2010
8/1/2003
11/1/1993
2/1/1992
11/1/1990
1/1/2003
2/1/1996
3/1/2003
3/1/2003
1/1/2003
8/30/2007
116
ST
CLIENT
CONTACT
TN
Victory University
Memphis, TN
TN
Volunteer State Community College
Gallatin, TN
TN
Walters State Community College
Morristown, TN
TN
West Tennessee Business College
Jackson, TN
TX
Abilene Christian Schools
Abilene, TX
TX
Abilene Christian University
Abilene, TX
TX
Angelo State University
San Angelo, TX
TX
Baylor University
Waco, TX
TX
Central Texas College
Killeen, TX
TX
Culinary Institute Alain & Marie
LeNotre
Houston, TX
Dallas Baptist University
Dallas, TX
Troy Graham
901-320-9763
tgraham@victory.edu
Darlene Bryant
615-230-3578
darlene.bryant@volstate.edu
Renee Jarnigan
423-585-2622
Renee.Jarnigan@ws.edu
Kim Jones
731-668-7240
kimjones@wtbc.com
Bill Brant
325-672-9200
info@abilenechristian.com
Sal Palicio
325-674-2846
sxp12a@acu.edu
Lynette Wheeler
325-942-2008
lwheeler2@angelo.edu
JT Lloyd
254-710-3127
jt_lloyd@baylor.edu
Michael Oliver
254-526-1414
michael.oliver@ctcd.edu
Renee Rochkind
713-692-0077 x1048
rrochkind@culinaryinstitute.edu
Debbie Leonard
214-333-5651
debbiel@dbu.edu
Sara Rosenbeck
214-841-3632
srosenbeck@dts.edu
Matthew Hale
972-733-3431
mhale@vistacollege.edu
Bridey McCormack
806-457-4214
bmccormack@fpctx.edu
Melinda Murphy
325-670-1223
msmurphy@hsutx.edu
TX
TX
Dallas Theological Seminary
Dallas, TX
TX
Education Futures Group
Richardson, TX
TX
Frank Phillips College
Borger, TX
TX
Hardin-Simmons University
Abilene, TX
DATE
SERVICE
BEGAN
3/1/2004
6/1/2002
8/1/2002
4/1/1999
6/20/2005
7/1/2002
9/14/2006
9/29/2010
4/21/2005
8/1/2004
12/1/1988
10/24/2011
6/11/2009
1/5/2012
3/1/2002
117
ST
CLIENT
CONTACT
TX
LeTourneau University
Longview, TX
TX
Lubbock Christian University
Lubbock, TX
TX
McMurry University
Abilene, TX
TX
Our Lady of the Lake University
San Antonio, TX
TX
Panhandle-Plains SLC
Abilene, TX
TX
Prairie View A&M University
Prairie View, TX
TX
Rice University
Houston, TX
TX
Sam Houston State University
Huntsville, TX
TX
San Jacinto College
Pasadena, TX
TX
South Plains College
Levelland, TX
TX
Southern Methodist University
Dallas, TX
TX
St. Edward's University
Austin, TX
TX
St. Mary's University
San Antonio, TX
TX
Stephen F. Austin State University
Nacogdoches, TX
TX
Texas A&M International University
Laredo, TX
Cheryle Barnes
903-233-4133
cherylebarnes@letu.edu
Lorna Smith
806-720-7305
lorna.smith@lcu.edu
Brenda Breeden
325-793-3818
bbreeden@mcm.edu
Ann Margaret Cervantes
210 434-6711 x2672
acervantes@ollusa.edu
Mr. Jeff Ayers
325-665-1233
jeffa@ppslc.com
Equilla Jackson
936-261-1941
equilla_jackson@pvamu.edu
Cassandra Kent
713-348-4072
loancollections@rice.edu
Debra Holl
936-294-1089
acc_dab@shsu.edu
Esmeralda Parrales
281-998-6140
esmeralda.parrales@sjcd.edu
Teresa Green
806-894-9611
tgreen@spc.cc.tx.us
Deveron Ellison
214-768-3876
dellison@mail.smu.edu
Karen Shaughnaessy
512-416-5807
karens@stedwards.edu
Sylvia Grady
210-436-3731
sgrady1@stmarytx.edu
Adela Espinosa
936-468-2318
espinosaat@sfasu.edu
Sofia C. Maldonado
956-326-2156
smaldonado@tamiu.edu
DATE
SERVICE
BEGAN
7/6/2010
9/6/2001
2/18/2010
5/30/2002
5/12/2008
11/22/2004
6/1/2000
1/23/2006
2/24/2010
10/29/2004
3/1/2002
11/1/1998
10/1/2004
6/1/2007
8/1/2003
118
ST
CLIENT
CONTACT
TX
Texas A&M University
College Station, TX
TX
Texas A&M University - Central
Texas
Killeen, TX
Texas A&M University - Commerce
Commerce, TX
Rachelle McDonald
979-862-5722
rmcdonald@tamu.edu
Sarita Brown
254-519-5715
svbrown@ct.tamus.edu
Bridgette Martin
903-886-5551
bridgette.martin@tamuc.edu
Cristina Briseno
361-593-3007
cristina.briseno@tamuk.edu
Norma Gonzalez-Ramirez
210-784-2021
ngonzale@tamusa.tamus.edu
Joni Millican
903-223-3054
joni.millican@tamut.edu
Ronnie Pampell
979-436-0193
pampell@tamhsc.edu
Amy Walters
903-759-3977
amywalters@lbtministries.com
Bill Quinn
281-998-6001
bquinn@txchiro.edu
Lana Maples
817-257-7097
l.maples@tcu.edu
Esther Tiemann
830-372-8012
etiemann@tlu.edu
Gail Schatte
512-370-1693
gail.schatte@texmed.org
Kavis Bell
713-313-7886
bellkl@tsu.edu
Nancy Meeks
512-245-2711
nm01@txstate.edu
James Coronado
806-742-3213
j.coronado@ttu.edu
TX
TX
Texas A&M University - Kingsville
Kingsville, TX
TX
Texas A&M University - San
Antonio
San Antonio, TX
Texas A&M University - Texarkana
Texarkana, TX
TX
TX
TX
Texas A&M University Health
Science Center
Bryan, TX
Texas Baptist College
Longview, TX
TX
Texas Chiropractic College
Pasadena, TX
TX
Texas Christian University
Fort Worth, TX
TX
Texas Lutheran University
Seguin, TX
TX
Texas Medical Association
Austin, TX
TX
Texas Southern University
Houston, TX
TX
Texas State University - San
Marcos
San Marcos, TX
Texas Tech University
Lubbock, TX
TX
DATE
SERVICE
BEGAN
12/2/2002
2/1/2013
5/1/2003
11/16/2011
6/6/2012
3/7/2012
7/19/2010
8/3/2005
2/14/2006
10/24/2008
11/1/2004
5/1/1994
6/1/2003
4/1/2003
10/1/2002
119
ST
CLIENT
CONTACT
TX
Texas Tech University Health
Sciences Center
Lubbock, TX
Texas Woman's University
Denton, TX
Linda Wells
806-743-7826
melinda.wells@ttuhsc.edu
Kathy Woods
940-898-3571
kwoods@twu.edu
Jen Venzke
512-691-1735
jvenzke@aii.edu
Barbara Bateman
469-587-1237
bbateman@aii.edu
Sonya Pulley
817-210-0767
spulley@aii.edu
Sarita Brooker
713-353-4151
sbrooker@aii.edu
Tayrn Jasmon
281-671-3461
tjasmon@aii.edu
Ehren Wixson
817-272-1084
ewixson@uta.edu
Karen DeRouen
512-232-4063
kderouen@mail.utexas.edu
Kevin Dillin
972-883-2601
kmd018200@utdallas.edu
Dan Rushton
210-458-4217
dan.rushton@utsa.edu
Kamell Hawkins
903-565-5832
kamell_hawkins@uttyler.edu
Scott Salzman
972-265-5734
ssalzman@udallas.edu
Nancy Tran
713-743-5878
nntran@central.uh.edu
Sherry Bower
254-295-4529
sherry.bower@umhb.edu
TX
TX
The Art Institute of Austin
Austin, TX
TX
The Art Institute of Dallas
Dallas, TX
TX
The Art Institute of Fort Worth
Fort Worth, TX
TX
The Art Institute of Houston
Houston, TX
TX
The Art Institute of Houston - North
Houston, TX
TX
The University of Texas at Arlington
Arlington, TX
TX
The University of Texas at Austin
Austin, TX
TX
The University of Texas at Dallas
Richardson, TX
TX
The University of Texas at San
Antonio
San Antonio, TX
The University of Texas at Tyler
Tyler, TX
TX
TX
University of Dallas
Irving, TX
TX
University of Houston
Houston, TX
TX
University of Mary Hardin Baylor
Belton, TX
DATE
SERVICE
BEGAN
3/1/2001
10/1/2002
11/25/2008
3/30/2005
12/10/2010
7/1/1990
6/3/2010
12/1/1999
3/1/2000
3/1/2004
2/1/2004
11/27/2004
7/1/1992
5/1/2003
6/19/2006
120
ST
CLIENT
CONTACT
TX
University of North Texas
Denton, TX
TX
University of North Texas Health
Science Center
Fort Worth, TX
University of St. Thomas
Houston, TX
Steve Collins
940-369-7525
steven.collins@unt.edu
Julie Atcheson
817-735-2548
julie.atcheson@unthsc.edu
Susan Rose
713-525-6957
roses@stthom.edu
Diana Gonzalez
210-567-0635
gonzalezd5@uthscsa.edu
Elisha Cruz
214 648-3611
Elisha.Cruz@utsouthwestern.edu
Irma Sanchez Garcia
210-829-6084
irmag@uiwtx.edu
Bill Welsh
801-422-6762
bill_welsh@byu.edu
Hailey Orr
435-652-7607
orr@dixie.edu
Jared Winburn
801-261-6905
jared.winburn@independence.edu
Lacey Gomez
801-524-8116
ksteorts@ldsbc.edu
Terrie Cox
801-734-6804
tcox@rmuohp.edu
Connie Faber
801-957-4039
connie.faber@slcc.edu
Norma Shore
435-283-7135
norma.shore@snow.edu
Annette Murray
435-586-7728
murray@suu.edu
Brad Rueckert
801-601-4721
brueckert@aii.edu
TX
TX
TX
TX
University of Texas Health Science
Center at San Antonio
San Antonio, TX
University of Texas Southwestern
Medical Center at Dallas
Dallas, TX
University of the Incarnate Word
San Antonio, TX
UT
Brigham Young University
Provo, UT
UT
Dixie State College of Utah
St. George, UT
UT
Independence University
Salt Lake City, UT
UT
Latter Day Saints Business College
Salt Lake City, UT
UT
Rocky Mountain University of Health
Professions
Provo, UT
Salt Lake Community College
Salt Lake City, UT
UT
UT
Snow College
Ephraim, UT
UT
Southern Utah University
Cedar City, UT
UT
The Art Institute of Salt Lake City
Draper, UT
DATE
SERVICE
BEGAN
4/6/2009
6/5/2012
2/14/2005
2/24/2010
12/1/1996
5/15/2007
11/10/2005
2/23/2011
4/8/2009
1/18/2006
3/10/2011
9/8/2000
12/16/2008
8/5/2008
8/14/2008
121
ST
CLIENT
CONTACT
UT
Utah State University
Logan, UT
UT
Utah State University - College of
Eastern Utah
Price, UT
Utah Valley University
Orem, UT
Brent Sorenson
435-797-1426
brent.sorenson@usu.edu
Jolene McKinnon
435-613-5321
jolene.mckinnon@ceu.edu
Lynn Siemer
801-863-8962
siemerly@uvu.edu
Claude Payne
801-626-7346
cpayne@weber.edu
Irene Lokcik
801-832-2134
ilokcik@westminstercollege.edu
Susan Newcomb
434-791-5610
snewcomb@averett.edu
Carl Bradsher
434-791-5646
carl.bradsher@averett.edu
Brenda Thompson
540-828-5389
bthompso@bridgewater.edu
Chris Corbett
276-694-4575
cacorbet@embarqmail.com
Tracey Ridley Mitchell
757-594-7336
tracey.mitchell@cnu.edu
Breena Conlin
757-955-2357
breena.conlin@deltaed.com
Amanda Mitchell
757-446-6056
mitchead@evms.edu
Lynne Marie Patterson
757-213-2726
lpatterson@ecpi.edu
Jane Brinkman
276-944-6110
jbrinkman@ehc.edu
Vicky Robertson
540-365-6924
vrobertson@ferrum.edu
UT
UT
Weber State University
Ogden, UT
UT
Westminster College
Salt Lake City, UT
VA
Averett University
Danville, VA
VA
Averett University
Danville, VA
VA
Bridgewater College
Bridgewater, VA
VA
Charles Powell Foundation
Stuart, VA
VA
Christopher Newport University
Newport News, VA
VA
Delta Career Education Corporation
Virginia Beach, VA
VA
Eastern Virginia Medical School
Norfolk, VA
VA
ECPI College
Virginia Beach, VA
VA
Emory & Henry College
Emory, VA
VA
Ferrum College
Ferrum, VA
DATE
SERVICE
BEGAN
6/13/2005
6/13/2005
11/7/2006
7/11/2005
8/7/2006
2/1/1987
2/2/1987
10/26/2007
7/31/2007
2/2/2000
4/5/2011
6/1/2011
7/28/2005
7/2/1997
10/1/1986
122
ST
CLIENT
CONTACT
VA
George Mason University
Fairfax, VA
VA
Hampden-Sydney College
Hampden-Sydney, VA
VA
Hampton University
Hampton, VA
VA
Hollins University
Hollins, VA
VA
James Madison University
Harrisonburg, VA
VA
Liberty University
Lynchburg, VA
VA
Longwood University
Farmville, VA
VA
Lynchburg College
Lynchburg, VA
VA
Marymount University
Arlington, VA
VA
Medical College of VA Foundation
Inc.
Richmond, VA
Norfolk State University
Norfolk, VA
Mike Landrum
703-993-2498
mlandru2@gmu.edu
Shirley Robertson
434-223-6308
srobertson@hsc.edu
Terri Jamison
757-727-5791
terri.jamison@hamptonu.edu
Stephanie Honts
540-362 7469
shonts@hollins.edu
Pam Connellee
540-568-3735
connelpd@jmu.edu
Crystal Mays
434-592-3669
cmays@liberty.edu
Kathy Motley
434-395-2268
motleykr@longwood.edu
Jane Cash
434-544-8214
cash.j@lynchburg.edu
Valerie Armbright
703-284-1486
varmbrig@marymount.edu
Joyce Bush
804-827-1700
jbush@hsc.vcu.edu
Sally Kalua
757-823-2814
sjkalua@nsu.edu
Tanya Hall Rojewski
540-831-5504
trojewski@radford.edu
Wendy Deitrick
434-947-8618
wdeitrick@randolphcollege.edu
Cathy Best
804-752-4728
cbest@rmc.edu
Paige Wygal
540-375-2266
wygal@roanoke.edu
VA
VA
Radford University
Radford, VA
VA
Randolph College
Lynchburg, VA
VA
Randolph-Macon College
Ashland, VA
VA
Roanoke College
Salem, VA
DATE
SERVICE
BEGAN
12/1/1998
5/1/1989
1/1/2002
7/1/1990
12/1/1993
5/9/2006
6/23/1993
5/28/2009
7/1/1999
10/1/2001
1/11/2010
1/1/2001
10/31/2005
6/27/2006
12/2/1989
123
ST
CLIENT
CONTACT
VA
Saint Paul's College
Lawrenceville, VA
VA
Shenandoah University
Winchester, VA
VA
Southern Virginia University
Buena Vista, VA
VA
Strayer University
Herndon, VA
VA
Sweet Briar College
Sweet Briar, VA
VA
The Art Institute of Virginia Beach
Virginia Beach, VA
VA
The Art Institute of Washington
Arlington, VA
VA
The Art Institute of Washington Northern Virginia
Sterling, VA
University of Mary Washington
Fredericksburg, VA
Ryan Spencer
434-848-6434
rspencer@saintpauls.edu
Sherry Whitelaw
540-665-46074
swhitela@su.edu
Tyson Cooper
540-261-2716
tyson.cooper@svu.edu
Anna Singh
703-713-3601
anna.singh@strayer.edu
Rita Cash
434-381-6200
rcash@sbc.edu
Marilyn Macklin
757-493-6788
mmacklin@aii.edu
Sema Khazmo
703-247-2191
skhazmo@aii.edu
Patti Ashley
571-449-4428
pashley@aii.edu
Paul Griggs
540 654 1289
pgriggs@umw.edu
Suzanne Kallighan
804-287-6562
skalligh@richmond.edu
Diane Hunt
434-924-3723
dgb5c@virginia.edu
Philip D. Crigger
434-982-2095
pcrigger@virginia.edu
Jessica Anderson
804-827-1871
jjanders@vcu.edu
Ms. Sharon Greatti
276-466-7860
sharongreatti@vic.edu
Sandra Manuel
540-464-7217
MANUELSB@vmi.edu
VA
VA
University of Richmond
Richmond, VA
VA
University of Virginia
Charlottesville, VA
VA
University of Virginia Law School
Foundation
Charlottesville, VA
Virginia Commonwealth University
Richmond, VA
VA
VA
Virginia Intermont College
Bristol, VA
VA
Virginia Military Institute
Lexington, VA
DATE
SERVICE
BEGAN
6/1/1990
11/6/2007
8/1/1992
11/19/2011
1/1/2002
7/30/2010
2/1/2004
9/13/2010
11/16/2010
10/1/1989
9/1/1998
5/26/2005
10/1/1999
3/7/2008
7/1/1993
124
ST
CLIENT
CONTACT
VA
Virginia Tech
Blacksburg, VA
VA
Virginia Wesleyan College
Norfolk, VA
VA
Washington and Lee University
Lexington, VA
VT
Castleton State College
Castleton, VT
VT
Community College of Vermont
Montpelier, VT
VT
Goddard College
Plainfield, VT
VT
Johnson State College
Johnson, VT
VT
Lyndon State College
Lyndonville, VT
VT
Marlboro College
Marlboro, VT
VT
Middlebury College
Middlebury, VT
VT
Saint Michael's College
Colchester, VT
VT
Sterling College
Craftsbury Common, VT
VT
The Salon Professional Academy
Williston, VT
VT
University of Vermont and State
Agriculture College
Burlington, VT
Vermont Law School
South Royalton, VT
Janet Moran
540-231-9450
jamoran@vt.edu
Oreleah Barham
757-455-5732
obarham@vwc.edu
Ms. Martha Rowsey
540-458-8717
merowsey@wlu.edu
Betty Moyer
802-468-1397
betty.moyer@castleton.edu
Diane Corse
802-828-3036
diane.corse@ccv.edu
Sherri Molleur
802-322-1626
sherri.molleur@goddard.edu
Deneen Russell
802-635-1281
deneen.russell@jsc.vsc.edu
Naomi Gallagher
802-626-6465
naomi.gallagher@lyndonstate.edu
Kathleen Gurney
802-258-9241
kgurney@marlboro.edu
Erik Liljestrand
802-443-5093
liljestr@middlebury.edu
Cathy Ferdinand
802-654-2597
cferdinand@smcvt.edu
Deborah A. Clark
802-586-7711
dclark@sterlingcollege.edu
Cheryl Steber
802-879-4811
financialaid@tspawilliston.com
Susan Swain
802-656-4347
susan.swain@uvm.edu
Emily Parker
802-831-1271
eparker@vermontlaw.edu
VT
DATE
SERVICE
BEGAN
4/1/1998
9/1/2000
1/28/2009
7/19/2012
7/9/2012
4/14/2010
7/19/2012
1/23/2007
11/4/2010
4/23/2010
10/14/2008
12/12/2008
1/12/2012
5/28/2010
4/14/2010
125
ST
CLIENT
CONTACT
VT
Vermont Technical College
Ralph Center, VT
VT
World Learning
Brattleboro, VT
Angela Hildenbrand
802-728-1372
ahildenbrand@vtc.vsc.edu
Sharon Berry
802-258-3197
sharon.berry@worldlearning.org
Shirley Ostermeyer
425-602-3365
sostermeyer@bastyr.edu
Kathy Reynolds
509-963-3565
reynoldk@cwu.edu
Elaine Gray
253-589-4313
elaine.gray@cptc.edu
Sean Drew
206-726-5084
sdrew@cornish.edu
Karin Jewell
509-359-6606
kjewell@ewu.edu
Laverne Bean
425-640-1743
lbean@edcc.edu
Mary Hawkins
425-388-9256
MHAWKINS@everettcc.edu
Louisa Diana
509-313-6884
diana@gonzaga.edu
Mollie Dow
253-833-9111
mdow@greenriver.edu
Ron Rabie
509-865-8503
rabie_r@heritage.edu
Laura Stevens
425-739-8184
laura.stevens@lwtc.edu
Connie Shulman
425-968-3403
cshulman@lios.org
WA Bastyr University
Kenmore, WA
WA Central Washington University
Ellensburg, WA
WA Clover Park Technical College
Lakewood, WA
WA Cornish College of the Arts
Seattle, WA
WA Eastern Washington University
Cheney, WA
WA Edmonds Community College
Lynnwood, WA
WA Everett Community College
Everett, WA
WA Gonzaga University
Spokane, WA
WA Green River Community College
Auburn, WA
WA Heritage University
Toppenish, WA
WA Lake Washington Institute of
Technology
Kirkland, WA
WA Leadership Institute of Seattle
Graduate College of Saybrook
University
Kirkland, WA
WA Northwest University
Kirkland, WA
Mary Cotton
425-889-5326
mary.cotton@northwestu.edu
DATE
SERVICE
BEGAN
7/23/2012
8/17/2000
6/27/2006
10/1/2004
5/14/2010
11/10/2009
9/19/2005
2/26/2009
10/13/2010
10/1/1990
4/1/2011
8/5/2005
3/27/2009
3/8/2007
7/17/2009
126
ST
CLIENT
WA Pacific Lutheran University
Tacoma, WA
WA Perry Technical Institute
Yakima, WA
WA Pierce College
Lakewood, WA
WA Saint Martin's University
Lacey, WA
WA Seattle Community College District
Seattle, WA
WA Seattle University
Seattle, WA
WA The Art Institute of Seattle
Seattle, WA
WA The Evergreen State College
Olympia, WA
WA University of Puget Sound
Tacoma, WA
WA University of Washington
Seattle, WA
WA Walla Walla University
College Place, WA
WA Washington State University
Pullman, WA
WA Western Washington University
Bellingham, WA
WA Whatcom Community College
Bellingham, WA
WA Whitman College
Walla Walla, WA
CONTACT
Gaylene Breon
253-535-8361
breongc@plu.edu
Lurdez Mendoza
509-453-0374 x218
Lurdez.mendoza@perrytech.edu
Colleen Copper
253-964-6749
CCooper@pierce.ctc.edu
Diana Miller
360-438-4393
dmiller@stmartin.edu
Vera Mosiychuk
206-587-4187
vmosiychuk@sccd.ctc.edu
Mindy Kohanski
206-296-5891
Kohanski@seattleu.edu
Debbie Krell
206-239-2269
dkrell@aii.edu
Corrina Barton
360-867-6442
bartonc@evergreen.edu
Gail Deutscher
253-879-3466
gdeutscher@ups.edu
Sandie Rosko
206-685-3517
sandier@washington.edu
Stephanie Onthank
509-527-2334
Stephanie.onthank@wallawalla.edu
Kara Kimball
509-335-1270
kara.kimball@wsu.edu
Jenny Hebert
360-650-2922
jenny.hebert@wwu.edu
Maria Courter
360-383-3367
mcourter@whatcom.ctc.edu
Debra Wright
509-527-5144
wrightdl@whitman.edu
DATE
SERVICE
BEGAN
4/28/2004
11/1/2003
10/12/2005
7/1/2004
3/26/2010
8/19/2004
10/1/2005
7/10/2005
6/16/2005
3/2/2012
6/12/2006
12/11/2009
11/14/2004
8/12/2010
3/21/2008
127
ST
CLIENT
WA Whitworth University
Spokane, WA
WI
Herzing University
Milwaukee, WI
WI
Marquette University
Milwaukee, WI
WI
Medical College of Wisconsin
Milwaukee, WI
WI
University of Wisconsin - Eau Claire
Eau Claire, WI
WI
University of Wisconsin - La Crosse
La Crosse, WI
WI
University of Wisconsin - Madison
Madison, WI
WI
University of Wisconsin - Madison
Housing
Madison, WI
University of Wisconsin - Milwaukee
Milwaukee, WI
WI
WI
University of Wisconsin - Oshkosh
Oshkosh, WI
WI
University of Wisconsin - Parkside
Kenosha, WI
WI
University of Wisconsin - Platteville
Platteville, WI
WI
University of Wisconsin - River Falls
River Falls, WI
WI
University of Wisconsin - Stevens
Point
Stevens Point, WI
University of Wisconsin - Stout
Menomonie, WI
WI
CONTACT
Joanna Scott
509-777-4323
jscott@whitworth.edu
Amy Christen
414-271-5168
aalbers@onl.herzing.edu
Katie Meinel
414288-4090
katie.meinel@marquette.edu
Jean Sunby
414-456-8233
sunby@mcw.edu
Renae Hestekin
715-836-4324
hestekrl@uwec.edu
Dianne Hamann
608-785-8722
barth.robi@uwlax.edu
Jeff Pfund
608-263-7100
jeff.pfund@finaid.wisc.edu
John P. Harvey
608-262-3137
john.harvey@housing.wisc.edu
Kirsten Archambeau
414-229-3463
kirstenm@uwm.edu
Lynn Kriha
920-424-1336
kriha@uwosh.edu
Diane Badtke
262-595-2582
badtke@uwp.edu
Lindsey VanMatre
608-342-1706
vanmatrel@uwplatt.edu
Brenda Rudberg
715-425-4111
brenda.rudberg@uwrf.edu
Deb Hansen
715-346-3966
dhansen@uwsp.edu
Julie Cook
715-232-1657
cookju@uwstout.edu
DATE
SERVICE
BEGAN
4/1/2002
4/4/2011
2/1/2003
1/1/2000
8/17/2000
4/1/1999
4/1/1999
11/12/2007
5/2/2000
4/1/1999
4/1/1999
1/1/2002
4/14/2000
8/25/1999
4/1/2002
128
ST
CLIENT
CONTACT
WI
University of Wisconsin - Superior
Superior, WI
WI
University of Wisconsin Whitewater
Whitewater, WI
Viterbo University
La Crosse, WI
Kathy O'Flanagan
715-394-8348
koflanag@uwsuper.edu
Becky Pfeifer
262-472-5510
pfeiferm@uww.edu
Todd Ericson
608-796-3856
tmericson@viterbo.edu
Theresa McVicker
304-457-6204
mcvickertd@mail.ab.edu
Glenda Gageby
304-885-5150
ggageby@apus.edu
Cynthia Wells
304-829-7170
dhall@bethanywv.edu
Pam Stevens
304-260-4380
aprice@blueridgectc.edu
Cathy Aquino
304-734-6611
caquino@bridgemont.edu
Angie Taylor
304-384-5164
perkinsloan@concord.edu
Greta Troastle
304-637-1225
troastg@davisandelkins.edu
Cheri Varkonda
304-367-4112
Cheri.Varkonda@fairmontstate.edu
Mawahna Gifford
304-462-4104
Mawahna.Gifford@glenville.edu
Lee Ann Porterfield
304-414-4442
lporterfield@kvctc.edu
Ann Good
304-766-5719
agood@kvctc.edu
Robert Collier
304-696-6620
collier@marshall.edu
WI
WV Alderson-Broaddus College
Philippi, WV
WV American Public University System
Charles Town, WV
WV Bethany College
Bethany, WV
WV Blue Ridge Community and
Technical College
Martinsburg, WV
WV Bridgemont Community & Technical
College
Montgomery, WV
WV Concord University
Athens, WV
WV Davis & Elkins College
Elkins, WV
WV Fairmont State University
Fairmont, WV
WV Glenville State College
Glenville, WV
WV Kanawha Valley Community and
Technical College - Charleston
Charleston, WV
WV Kanawha Valley Community and
Technical College - Institute
Institute, WV
WV Marshall University
Huntington, WV
DATE
SERVICE
BEGAN
8/23/2000
4/1/1999
11/1/2004
5/1/2000
5/1/2012
7/13/2010
1/31/2007
6/11/2009
3/28/2005
11/1/1997
3/22/2005
10/20/2005
12/4/2007
1/12/2011
3/30/2005
129
ST
CLIENT
WV Mountain State University
Beckley, WV
WV New River Community & Technical
College
Beckley, WV
WV Ohio Valley University
Vienna, WV
WV Pierpont Community and Technical
College
Fairmont, WV
WV Salem International University
Salem, WV
WV Shepherd University
Shepherdstown, WV
WV Southern West Virginia Community
and Technical College
Mount Gay, WV
WV The West Virginia School of
Osteopathic Medicine
Lewisburg, WV
WV University of Charleston
Charleston, WV
WV West Liberty University
West Liberty, WV
WV West Virginia Institute of
Technology
Montgomery, WV
WV West Virginia Northern Community
College
Wheeling, WV
WV West Virginia State University
Institute, WV
WV West Virginia University
Morgantown, WV
WV West Virginia University Research
Accounting
Morgantown, WV
CONTACT
Lisa Tipton
304-929-1515
ltipton@mountainstate.edu
Heike Soeffker-Culicerto
304-929-6731
hsoeffker@newriver.edu
Lura Wilcoxen
304-865-6078
lura.wilcoxen@ovu.edu
Cheri Varkonda
304-367-4112
Cheri.Varkonda@fairmontstate.edu
Stephanie Roberts
304-326-1310
sroberts@salemu.edu
Bernard DeMartini
304-876-5488
bdemarti@shepherd.edu
Coral Nutter
304-896-7417
coral.nutter@southernwv.edu
Deborah Hughes
304-647-6316
dhughes@osteo.wvsom.edu
Sherri D. McCorey
304-357-4754
sherrimccorey@ucwv.edu
Lisa Marple
304-336-8110
marplel@westliberty.edu
Solomon Addico
304-442-3355
solomon.addico@mail.wvu.edu
Megan Doyle
304-214-8811
mdoyle@wvncc.edu
Gwendolyn R. Danford
304-766-3006
danfordg@wvstateu.edu
Cassie Grizzell Brown
304-293-3921
cassie.brown@mail.wvu.edu
Vince Alvarez
304-293-6664
vince.alvarez@mail.wvu.edu
DATE
SERVICE
BEGAN
4/20/2007
12/20/2012
5/1/1999
8/18/2008
2/1/2003
6/6/2005
1/26/2009
4/8/2011
6/1/2002
3/19/2008
12/1/2004
11/23/2010
6/20/2005
12/1/2004
2/21/2007
130
ST
CLIENT
WV West Virginia Wesleyan College
Buckhannon, WV
WV Wheeling Jesuit University
Wheeling, WV
WY University of Wyoming
Laramie, WY
CONTACT
Carolyn Hoover
304-473-8081
hoover_c@wvwc.edu
Barbara Albers
304-243-2389
albers@wju.edu
Aaron Courtney
307-766-6691
courtne@uwyo.edu
DATE
SERVICE
BEGAN
7/1/1989
1/1/2003
6/28/2012
131
6.
Do you communicate via e-mail and/or website available to the debtors as well as
the University?
Website Tours
https://www.wfcorp.com
The Williams & Fudge websites are designed to be a resource that provides easy
navigation for clients and consumers. We are committed to updating our websites with
new features and technology. Our goal is to provide live access 24 hours a day 7 days a
week for our clients and our consumers.
Some of the available web options include online access to place accounts for
collections, upload and download capabilities to transfer electronic files, providing
current industry updates, the viewing of account transactions in real time, and the ability
to generate and view reports including monthly statements.
A separate web site was developed for consumers to help them manage their
accounts online if they desire. In addition to having the ability to pay on-line and check
their balance, your consumer, if qualified, can download any required federal forms as
well as seek alternatives to resolve their debt.
The following information is organized as follows:
132
Section One: Accessing the Williams & Fudge Website
Instructions for navigation of the Williams & Fudge website
Section Two: View Accounts & Access Report Information
Navigation of “Account Review/Report Screens”
 Real-Time Account Access: Our clients can view all transactions
and collection activity that have transpired on any account currently or
previously in collections.
 Real-Time Payment Histories: View all payments and adjustments posted on
an account.
 Real-Time On-Line Reports: Generate and download management reports
as well as invoices and statements.
 Real-Time Image Access: View all loan documents, consumer
communication, and any consumer checks that have been imaged.
 On-line Statements: Statements are placed on-line when they are created for
quick access by the client.
Section Three: Consumer Navigation
General Navigation of the Consumer’s website (www.wfpayaccounts.com)
133
Section One:
Accessing the Williams & Fudge Website
Home Tab
The home tab contains a revolving set of images that spotlight upcoming Williams &
Fudge events and technologies.
134
About Us
The About Us tab contains several tabs related to Williams & Fudge.
The tabs are as follows:
History of Williams & Fudge
Our Management Team
Our Business Philosophy
The Story of Our Historic Office Building
135
Our Services
This tab discusses the scope of all of Williams & Fudge’s services.
Resources
This tab is a convenient place to access information that is pertinent to the collections
industry. The following are a few of the many links provided: TCPA, FCRA, FDCPA, etc.
136
Careers
Our greatest assets are our employees! This tab is a link for individuals that seek to
begin a career with Williams & Fudge.
137
Client Center
http://clients.wfcorp.com
Secure client information can be accessed via the client center tab on
www.wfcorp.com or clients.wfcorp.com. These pages will require the universal login and
password which is assigned to each institution.
Once this page has been accessed the client will have the opportunity to place
multiple accounts through an encrypted file transfer process. They may also choose to
place accounts individually by selecting the individual accounts button and filling out a
secure encrypted form. Accounts can also be updated and payments reported through
this location.
138
Account Management
This tab will allow our clients to manage account placement, update accounts, and
report payments.
139
This first button on this page is the Place Multiple Accounts button. This button
provides a step-by-step wizard to assist with uploading an electronic file containing
multiple accounts to Williams & Fudge. A placement template is provided as a
convenience; however you may provide your own spreadsheet.
The second button on this page is to Place Individual Accounts. This button
provides secure on-line placement capability for clients wanting to place accounts on an
individual basis.
The next button Review Accounts/Reports redirects the client to our collection
software web server called Navigate. At this point, the client will be able to use their
unique login and password to access invoices and reports.
The fourth button is the View Files button. This button is a cumulative listing of all
files securely uploaded to the web by your office and from Williams & Fudge.
The fifth button on this page is the Update Accounts/ Report Payments. This will
allow clients to update Williams & Fudge of any pertinent account information that may
have recently been obtained at the institution. New information may be the result of direct
contact from the debtor or research into existing file records. In addition, clients may
report to Williams & Fudge any payments received directly at the institution.
140
WF Updates
This tab is where clients can view the most recent Williams & Fudge newsletters.
141
Certifications
This tab is where our clients can browse Williams & Fudge’s awards, certifications,
and regulatory documents.
142
Media
This tab allows our clients to view the most recent webinars and conference sessions.
143
Staff Directory
This tab allows our clients to view Williams & Fudge’s staff information.
144
Help
This tab is a convenient overview of all the previously mentioned tabs.
145
Section Two: View Accounts &
Access Report Information
https://www.crsnavigate.com/CRSNavigate3/p968/
TO VIEW ACCOUNTS & ACCESS REPORT INFORMATION
Navigation of “Account Review/Report Screens”
Real-Time Account Access: Our clients can view all transactions and collection activity
that have transpired on any account currently or previously in collections.
Real-Time Payment Histories: View all payments and adjustments posted on an account.
Real-Time On-Line Reports: Generate and download management reports as well as
invoices and statements.
Real-Time Image Access: View all loan documents, consumer communication, and any
consumer checks that have been imaged.
On-line Statements: Statements are placed on-line when they are created for quick
access by the client.
146
147
1. All clients must have a user name and a password: This information can be obtained
by contacting Client Services at 1.800.849.9791 or by emailing a request to
wf@wfcorp.com
2. Using your web browser log onto the Williams & Fudge, Inc. at
3. Key in the user name in the client center sign in field. All characters will be lower
case. Click on the “Sign In” that is below the User ID and Password boxes.
4. You are now in the “Client Center” Section. Toggle over towards the middle of the
page until you see the button on the menu identified as “Account Review/Reports”.
Double click the “Account Review/Report” Link.
5. There will be a brief delay as the web redirects to our collection software web server
called Navigate.
6. You are now at the Account Review/Reports Log In Section: Enter your username and
password and click the “Login” Button. (See below)
148
7. The web will now advance to the “Main Menu”. There are multiple options available.
The first option is “Search.” Simply click the icon and you will have access to log
onto an account(s) and have an opportunity to view the transactions and payments.
Open and closed accounts may be accessed.
149
8. The next screen in the “Search” field provides multiple search options to locate an
account record. Any field will perform as a search option to locate the desired
account. The system does not require the user to fill in multiple fields in order to
search for an account. Fields such as the social security number or the client
account number are more data specific and would narrow the search.
9. If a system locates more than one consumer based on the search criteria then the
following screen will provide the user with a list of those consumers. There are
selection boxes next to the Debtor No. Clicking the box for one account will select it
for viewing. Multiple accounts can be uploaded by clicking on all of the selection
boxes. Once an account has been selected click the button labeled
“View
Masters.”
150
10. The next screen provides a detailed history of the account as well as demographic
and account balance information. If the debtor has multiple accounts there is a drop
box so that you can choose which account to be reviewed. The transactions (notes)
and financial data can be scrolled to see all details. Another view option from this
screen is the ability to view payments and any account balance adjustment. Both the
transaction and payment transactions are code driven. Code definition lists are
accessed by selecting either “Action Codes” (first two alpha codes in transactions),
“Result Codes” (the next two alpha codes in the transactions), “Status Codes” (brief
description of current account status), or “Payment Memo Codes” (lists the payment
type) located on the lower left side of the screen.
11. The payment screen will display a payment as multiple transactions because under
normal circumstances a payment is being split to collection fees, late charges,
interest and principal. An adjustment to a balance can be identified when the fee to
the right of the adjustment is listed as 100%
151
12. As mentioned earlier the web offers the ability to access reports in real time. The data
in any report will be live. Reports can be accessed from the left toolbar. A report
must first be generated (uploaded) before it can be viewed. Click the button labeled
“Generate Reports” to upload. The drop down menus allows you to choose the
specific report (in PDF or CSV) along with the client account (program).
14. Now that reports have been generated, it is now time to review the reports. Click on
the “View Reports” button on the left toolbar.
152
15. The next screen will list all of the reports that were generated. The “View” button will
open the report for viewing. An opened report can be printed and/or saved on the
client’s PC. The columns can be sorted by clicking on the headers. Other information
available includes: the date that the report was generated, the type of report, the
program (Client #), and the report format. Our office loads statements and invoices
automatically during a normal close out period.
153
16. An example of one of the many report types is provided below.
17. Reports are opened as a separate screen. Closing or reducing the report will return
the user back to the screen that lists all of the generated reports. Options include
opening another report or choosing another icon from the toolbar on the left side of
the screen. Some of the various report descriptions are provided below.
18. Selecting the Option “Logout” will log the user out of the Reports and Account
Review Sections. You can also return to the home page by closing the current web
browser tab.
19. Along with access to view reports and update accounts, the Sub User Admin option
allows clients the ability to assign sub users within their office.
20. You also have 24-hour access to change passwords should it be necessary, or allow
the 180 day automatic system update. This ensures security for you as well as
Williams & Fudge.
154
Section Three:
Consumer Navigation
http://www.wfpayaccounts.com
A separate website has been developed for your consumer placed in collections
with Williams & Fudge. All correspondence sent to the consumer include the address of
this website. The website is assumed to be a communication therefore all pages are
reviewed for Fair Debt Collection Practice Act compliance.
We all want the ability to access information immediately. Consumers are no
exception to the need for quick access at a time that is convenient for them. Our goal
was to design a portal for consumers that provided easy navigation to communicate with
our staff, make payments, and verify balances.
155
The first page of the consumer website requires them to identify the state of their
residency. A drop box will appear with the mini-miranda and any state restrictive
statements.
Once the consumer has confirmed that indeed they have read and understood the
provided FDCPA statements their next step to access the website becomes available.
156
A record of the account review will be entered into the transaction history of the
account so that the collector can be made aware that the consumer reviewed the file.
157
Payment Tab:
The first option available is the payment tab.
158
The consumer may choose to make a payment with a Credit Card or a Check. A
Credit Card payment is a convenient and quick method for consumers to repay their
outstanding debts. Williams & Fudge accepts Visa, Master Card, and Discover. Once the
consumer decides to repay the debt using a credit card they click the link and are
redirected to a credit card merchant and processor. The consumer is notified via a pop
up screen that they are leaving the Williams & Fudge website. The consumer enters all
pertinent data and then submits the transaction for approval. The information will be
authenticated by the credit card company and transmitted to our Accounting Department
for posting.
159
Williams & Fudge has the capacity to accept automatic online checks based on the
information provided in the check format. Upon receipt of the consumer’s approval we
then submit that file to the bank electronically (ACH).
160
Payment Proposal:
The second tab available on the page is the Payment Proposal tab. This form
enables consumers to have the ability to propose a payment agreement on-line. An
account representative will receive the proposal and determine if the amount is feasible
and acceptable to our clients.
161
Check Balance:
The third option available to consumers is an opportunity to go on-line in real time
and check the amount owed that remains in collections.
162
In addition, they can view all payments that have been applied since the account
was placed into collections. All the consumer has to do is fill in the boxes and login to
their account.
163
Account Reps:
The fourth tab provides a list of phone numbers and email addresses for all of
Williams & Fudge's Account Representatives. The consumer has the ability to
communicate directly with the individual handling their account either by phone or email.
164
Resources:
The fifth and final tab on this page is the Resources tab.
This tab is a beneficial tool to provide the consumer with several direct links to
resources such as:
165
Western Union:
Williams & Fudge has provided a direct link to Western Union’s website. Western
Union has an on-line payment center.
166
Loan Consolidation:
This section briefly outlines some of the benefits for consolidation of the
consumers Federal Loans and includes links to some of the consolidation servicers.
167
Non-Federal Loan Consolidation:
The Non-Federal Loan Consolidation link provides information for financial
institutions that may be offering consolidation options for private student loan debts.
168
Financial Literacy:
This link provides the consumer with a couple of links to Financial Literacy
websites that contain a variety of information to assist as the consumer begins the
pathway to understanding the world of credit.
169
National Student Loan Database:
This page of the website redirects consumers to the National Student Loan
Database. This site is an excellent tool that helps consumers track down any other
possible Federal Loans.
170
Federal Loan Forms:
Consumers have on-line access to download all federal forms from all of the major
billing servicers. This is a useful tool for consumers (especially for Cohort Accounts).
171
10. Doesyouragencyhavetheabilitytoproducetheclose&return
reports,thestatusreportsandthemonthlyinvoicesonthesame
datetobereceivedbythe10thofeachmonth?
Williams & Fudge will provide Longwood University with the following reports as
described below. Separate reports will be provided for each institutional program.
Statements and reports are available in both PDF and CSV (Excel) and are uploaded to
our website, www.wfcorp.com, at the time frequency desired by the University.
Williams & Fudge’s invoicing system is designed to be flexible in order to
accommodate the requirements of our clients. Although the majority of our clients
request statements and invoices to be run at the end of each month our system has the
ability to provide statements/invoices: 1) On Demand, 2) Weekly, 3) Bi-Weekly and 4)
Monthly.
An email notification is sent to University contacts upon upload of
statements/reports. Web reports are real time and available twenty-four hours a day,
seven days a week. Reports are archived for a period of 14 months. Williams &
Fudge has the ability to remit funds collected to the institution via Automated Clearing
House (ACH) or paper check. Williams & Fudge can generate ad-hoc (custom)
reports on demand. Reports will be provided at no cost to the institution.
Acknowledgement of Accounts: All accounts referred for collection will be computeracknowledged as soon as they are placed on our collection system. Information on the
acknowledgement includes student (borrower) ID, name, principal balance, interest,
collection costs and any other amounts due. Our system also has the capability to
produce separate (single page) acknowledgements for each account placed.
Statement of Account: A monthly billing of collections will be provided to you by the 5th
of each month. Information provided to you includes all information as shown on the
enclosed sample.
Payment Invoice: This report gives the detailed information for the Statement of
Collections. It is included monthly with the Statement.
Detailed Client Analysis: This report measures recovery performance by placement
period and is provided monthly through automatic upload to our secure web site. Report
can also be generated in real-time via www.wfcorp.com.
Account Status Report: This report is an inventory of active accounts and is provided
monthly through automatic upload to our secure web site. Report can also be generated
in real-time via www.wfcorp.com.
172
10. Doesyouragencyhavetheabilitytoproducetheclose&return
reports,thestatusreportsandthemonthlyinvoicesonthesame
datetobereceivedbythe10thofeachmonth?
Legal Account Status Report: This report is an inventory of active legal accounts and
is provided monthly through automatic upload to our secure web site. Included on the
report is balance information, the current status of legal accounts along with the attorney
name, address and phone number.
Cohort Report: Uploaded to the web on a monthly basis, this report provides a detailed
history to include all notes for Cohort accounts covering the most recent 30-day period.
Returned Account Report: Report is provided monthly through automatic upload to our
secure client web site and details any account closed during the previous month.
Information provided includes name, current address (on our system), balance and
reason for closing. Our system also has the capability to produce separate (single page)
closing reports for each account returned.
Address Changes: Provided monthly through automatic upload to our secure client
web site this report will reflect new and/or changed addresses.
173
300 Chatham Avenue, PO Box 11590, Rock Hill, South Carolina 29731
1-803-329-9791
1-800-849-9791
____________________________________________________________________________
January 1, 2020
Sample Institution
Collections Services
Attn: Collection Manager
Anytown, USA 00000
Dear Collections Manager:
We are pleased to acknowledge, with thanks, the receipt of your accounts placed with us for collection.
Demand for payment is being made immediately. Should debtors contact you or make payment to you, please
report to us promptly.
NUMBER
201704
201705
NAME
RAYMOND, TERRANCE
SMYTHE, JOSEPH
2 Accounts
ACCOUNT #
BALANCE
INT AMT
COLL CHG COSTS
55555123401
24111209801
1200.00
1000.00
114.00
314.00
675.00
675.00
0.00
0.00
2400.00
428.00
1350.00
0.00
Sincerely,
174
1-803-329-9791
1-800-849-9791
STATEMENT OF ACCOUNT
____________________________________________________________________________
Account Number: TEST -1
Invoice Number: 17478
Invoice Date: January 1, 2020
Sample Institution
Attn: Collections Manager
Anytown, USA 00000
For billing inquiries: (803) 329-9791
____________________________________________________________________________
New Activity
Invoice Amount Due Us:
Invoice Amount Due You:
$13531.18
$40593.55
____________________________________________________________________________
Remittance Summary
Total Payable Upon Receipt: $13531.18
Our Check Enclosed:
$40593.55
GROSS STATEMENT
To insure proper credit, please detach this portion and return with remittance.
Remittance Document
SAMPLE INSTITUTION
COLLECTION SERVICES
ATTN: COLLECTIONS MANAGER
ANYTOWN, USA 00000
Account Number:
Invoice Number:
Invoice Date:
TEST -1
17478
00/00/20
Please remit payments to:
300 Chatham Avenue, Suite 201
PO Box 11590
Rock Hill, SC 29731
Amount Due:
$13531.18
Amount Enclosed:
$40593.55
175
PAYMENT INVOICE
Client Name: SAMPLE INSTITUTION
Reporting Period:
Your
Account Number: XXXXXX
Invoice Date:
00/00/2020
Pay
Date
Tendered
Paid
Paid
Date
Us
You
Comm
Our
Net Due
Rate
Comm
You
000000
Charges Paid By
Current
Debtor
Balance
Account #
Name
595097763
44443684401
21221212101
Alexander, Luke S
Johnson, Jason
Lamont, Stan
00/00/20 00/00/20
00/00/20 00/00/20
00/00/20 00/00/20
320.85
3,100.00
1,927.70
33.3%
33.3%
33.3%
106.95
1,033.33
642.57
213.90
2,066.67
1,285.13
0.00
1,033.33
18.00
106.95
0.00
624.57
3,551.69
1,012.09
0.00
277565785
31315891301
Ostendorf, Mark
Pandee, Paris
00/00/20 00/00/20
00/00/20 00/00/20
10.00
10.00
33.3%
33.3%
3.33
3.33
6.67
6.67
0.00
3.33
3.33
0.00
4,519.28
9.61
98798987602
Perrin, Robert
00/00/20 00/00/20
50.00
33.3%
16.67
16.67
16.67
0.00
1,611.56
11238591101
Robard, Richard
00/00/20 00/00/20
950.00
33.3%
316.67
633.33
0.00
316.67
708.21
88464258802
Robinsky, Theresa
00/00/20 00/00/20
32,000.00
33.3%
10,666.67
21,333.33
10,666.67
0.00
16.34
99238379901
Ronald, Ross
00/00/20 00/00/20
250.00
33.3%
83.33
83.33
83.33
0.00
30.95
15539485501
Smith, Casey
00/00/20 00/00/20
1,725.00
33.3%
575.00
575.00
575.00
0.00
91.68
45645456702
Williams, Gary
00/00/20 00/00/20
250.00
33.3%
83.33
166.67
83.33
0.00
488.62
-------------13,531.18
-------------26,387.37
-------------12,479.66
1,051.52
Total Amount Collected
$
40,593.55
Amount You Owe Us
$
13,531.18
Amount We Owe You
$
40,593.55
Totals
-------------- -----------40,593.55
0.00
Total Collections
40,593.55
Misc
Page:
1
Invoice Number:
Client
Remark
PIF
176
1-803-329-9791
1-800-849-9791
DETAILED CLIENT ANALYSIS
January 1, 2020
Client# TEST 1
Sample Institution
Anytown, USA 00000
NEW BUSINESS
PERIOD
Jan
Dec
Nov
Oct
Sep
Aug
Jul
Jun
May
Apr
Mar
Feb
20
20
20
20
20
20
20
20
20
20
20
20
Previous
$
AVE
#
COLLECTIONS
$
#
AVE
RETURNED
PIF
COMM
$
#
AVE
LIQ%
18303.70
12256.01
24318.15
35548.20
22397.34
13304.88
17115.45
15356.56
18884.50
1000.00
45626.92
11600.00
16747.46
10
8
15
20
14
9
11
8
10
1
12
8
7
1830.37
1532.00
1621.21
1777.41
1599.81
1478.32
1555.95
1919.57
1888.45
1000.00
3802.24
1450.00
2392.49
5143.34
424.36
7611.58
15890.04
9272.50
6346.42
8403.69
7570.78
9744.40
0.00
35662.70
5939.20
4022.50
5
1
6
8
11
6
9
5
6
0
8
6
3
1028.67
424.36
1268.60
1986.26
842.95
1057.74
933.74
1514.16
1624.07
0.00
4457.84
989.88
1340.83
0
0
0
0
1
0
0
0
0
0
1
0
0
1697.30
140.89
2534.66
5291.38
3087.74
2113.36
2790.03
2521.07
3254.63
0.00
11875.63
1959.94
1339.46
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0
0
0
0
0
0
0
0
0
0
0
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
21.8
27.7
31.3
44.7
41.4
47.7
49.1
49.3
51.6
0.00
78.16
0.00
24.0291
252459.17
133
1898.19
116031.51
74
1567.99
2
38606.09
0.00
0
0.00
45.96
177
1-803-329-9791
1-800-849-9791
ACCOUNT STATUS REPORT
January 1, 2020
Client# TEST
Sample Institution
Anytown, USA 00000
YOUR
ACCOUNT NUMBER
55555555501
41414141401
33333333303
23456789901
01001010101
99999999901
19999549901
44444444401
34587212101
45645645601
31313131301
98798987601
23423423401
00837280600
16859955901
11111111101
66666666601
88888888802
99999999901
45645456702
15555555501
22222222206
45454545401
45645456702
77777777701
MASTER
NUMBER
NAME
190720
190719
185498
190714
190716
190721
190712
185499
190717
191122
190718
196101
190715
195027
194984
185496
188900
190711
194073
196102
190713
185497
190722
196100
189025
ABLE, JOHN
CALEB, SHAWN
CURTIS, RONALD
GRACE, LAWRENCE
HENSEMAN, CHARLES
HOPPING, MAD
HUSBDRY, RANDY
JOHNSON, JASON
LAMONT, STAN
LATCHER, RONDA
PANDEE, PARIS
PERRIN, ROBERT
RACER, ROACH
RAINDROP, FLORENCE
RIGGINS, JOE
ROBARD, RICHARD
ROBERTS, ANDREW
ROBINSKY, THERESA
RONALD, ROSS
RUNNING, JR
SMITH, CASEY
SMITHERS, JOHN
THOMAS, TOM
WILLIAMS, GARY
WILLIAMS, SMITHY
25 Accounts Listed
TURNOVER
00/00/20
00/00/20
00/00/20
00/00/20
00/00/20
00/00/20
00/00/20
00/00/20
00/00/20
00/00/20
00/00/20
00/00/20
00/00/20
00/00/20
00/00/20
00/00/20
00/00/20
00/00/20
00/00/20
00/00/20
00/00/20
00/00/20
00/00/20
00/00/20
00/00/20
ORIGINAL
DATE
CURRENT
BALANCE
COLLECTED
BALANCE
1359.40
99.76
8078.83
167.83
274.75
147.62
1501.64
4112.09
1927.70
1514.79
19.61
1861.56
750.41
1801.98
1500.00
1658.21
1572.50
38846.83
1580.95
1800.82
2041.35
1775.90
1331.82
3791.92
1895.21
1616.25
415.14
8349.00
945.00
244.02
152.12
1586.02
1012.09
0.00
1594.52
9.61
1611.56
784.16
1854.25
1544.66
708.21
1591.68
2616.34
1330.95
1633.97
2091.57
1800.23
1377.85
3488.62
1895.22
0.00
0.00
0.00
0.00
0.00
0.00
0.00
3100.00
1927.70
0.00
10.00
50.00
0.00
0.00
0.00
950.00
0.00
32000.00
250.00
0.00
0.00
0.00
0.00
250.00
0.00
81413.48
40253.04
38537.70
TO DATE REMARKS
DISPUT/REQ INFOR
REC C.B. INFOR
COLL EFFORT CONT
BROKEN ARRANGEMT
REC PROOF/DEBT
COLL EFFORT CONT
REC C.B. INFOR
REVIEWING RESERC
PAID IN FULL
MAIL RETURNED
POST-DATE SERIES
COLL EFFORT CONT
PROMISE TO PAY
PROMISE TO PAY
ATTMPT NEW REPAY
ON PAYMENT AGREE
ON PAYMENT AGREE
ON PAYMENT AGREE
ON PAYMENT AGREE
NEW PLACEMENT
ON PAYMENT AGREE
ON PAYMENT AGREE
REC C.B. INFOR
COLL EFFORT CONT
REC C.B. INFOR
178
1-803-329-9791
1-800-849-9791
ACCOUNT STATUS REPORT
January 1, 2020
Client# TEST -1
Sample Institution
Anytown, USA 00000
COHORT REPORT
YOUR
ACCOUNT NUMBER
MASTER
NUMBER
NAME
TURNOVER
DATE
ORIGINAL
BALANCE
CURRENT
BALANCE
COLLECTED
TO DATE
55555555501
190720
ABLE, JOHN
00/00/20
1359.40
1616.25
0.00
15555555501
190713
SMITH, CASEY
00/00/20
2116.68
391.68
1725.00
3476.08
2007.93
1725.00
2 Accounts Listed
REMARKS
DISPUT/REQ INFOR
ON PAYMENT AGREE
179
Cohort Report
000175-1, Activities: 05,06,01,03
000175-1 SAMPLE CLIENT
, Scan Date 03/01/11
Page 1
Master & Account #: 185496 999992222
Name
: PERRIN
, ROBERT
Address
: PO BOX 11590
City,State,Zip: ROCK HILL
, SC 29732
Placement Date: 06/13/09
Activity Code : 05 COHORT ACCT 10-11
Status Code
: 21 PROMISE TO PAY
Total Balance : 3635.91
Collector Notes
======================
03/04/11 11: 8 TR/DD MMR HE HUNG UP
03/29/11 8:59 CC/CC ACTIVITY - NU - CBR2659075
03/29/11 8:59 CC/CC CKCHG BAL - 897.72 - CBR2659075
03/29/11 8:59 CC/CC INT BAL - 0.00 - CBR2659075
03/29/11 9: 0 TR/DD MMR...DISCUSSED DEBT AND METHOD OF
PMT...SCHEDULED BIF FOR APRIL 15
FROM TAXES
Master & Account #: 885995 5432112345
Name
: CALDWELL
, BILL
Home Phone
: (704) 651-1166
Address
: 6543 REGATTA LN
City,State,Zip: CHARLOTTE
, CA 28227
Status Code
: 40 COLL EFFORT CONT
Collector Notes
======================
03/03/11 16:31 TR/BM 6436LEFT MSG WITH BROTHER JOHN
03/03/11 16:32 TR/NM 6436 RECORDER ID AS DBTOR
03/03/11 16:34 TT/NA 6436
03/03/11 16:36 TR/DD 6436 TALKED TO DBTR MMR HE HUNG UP
03/03/11 16:39 TR/DD TT DEBTOR MMR UNABLE TO PAY IN FULL
WILL TALK TO PARENTS TO TRY AND
BORROW WILL CALL BACK ON FRIDAY
03/06/11 18:26 CC/CC CURR BAL - 11000.00 - CBR2656429
03/10/11 9:36 CC/CC RETURN SAMPLE1-999992222
03/10/11 9:36 CC/CC RETURN CODE YC
03/10/11 9:36 CC/CC RET CODE - CBR2656430
03/10/11 9:36 CC/CC RET DATE - 00-00-00 - CBR2656430
03/10/11 9:38 CC/CC ORIG BAL - 100.00 - CBR2656429
03/10/11 9:38 CC/CC CURR BAL - 1000.00 - CBR2656429
03/10/11 9:38 CC/CC OTHER BAL - 0.00 - CBR2656429
03/10/11 9:38 CC/CC INT BAL - 0.00 - CBR2656429
03/10/11 9:38 CC/CC COMM RATE - 20.00000 - CBR2656429
03/10/11 9:38 RN/V
03-10-11
03/10/11 16:19 PU/PU ACH LTTR RCVD
03/10/11 16:19 CS/23 TO 22
03/10/11 16:19 CC/CC 10 VIR CHKS FOR 1000.00
03/10/11 16:20 DP/PD DELETE ALL POSTDATES
180
Cohort Report
000175-1, Activities: 05,06,01,03
Page 2
Collector Notes
======================
03/10/11 16:20 CS/22
03/11/11 8: 5 SN/V
03/14/11 8:43 RA/GA A1-6543 REGATTA
EXT
03/14/11 8:43 RA/GA
03/14/11 8:55 RM/CC TESTING YMAIL
RECEIVER BCA DUE DATE 03-14-11
03/14/11 9:46 SN/N
03/14/11 9:48 CC/CC GO LGL CBR2656429
03/14/11 9:49 SN/L5
03/14/11 10: 1 CC/CC LGL CODE WAS 2 - CBR2656429
03/14/11 10: 1 CC/CC LGL CODE WAS 2 - CBR2656429
03/14/11 13:13 CC/CC PLC DATE - 06-09-09 - CBR2656429
03/14/11 13:13 CC/CC PLC DATE - 08-14-11 - CBR2656429
03/14/11 16:11 RN/V
03-14-11
03/16/11 8:52 SN/V
03/25/11 15:30 CC/CC CSZ-CHARLOTTE
NC 282278079
03/25/11 15:34 CS/70 TO 40
03/25/11 15:36 CC/CC RESET MR
03/29/11 8:44 TR/BV LFT MSSG 1166
03/29/11 8:57 CC/CC ACTIVITY - NU - CBR2656429
Master & Account #: 190721 TEST PRECOLLECT LETT
Name
: PERRIN
, ROBERT
Home Phone
: (803) 213-4565
Address
: 1253 RITTENHOUSE LANE
, SC 29732
Status Code
: 36 HAS ATTORNEY
Collector Notes
======================
03/10/11 9:54 CC/CC PD NA-PERRIN, ROBERT
03/10/11 9:54 CC/CC PD A1-1253 RITTENHOUSE LANE
03/10/11 9:54 CC/CC PD CSZ-ROCK HILL
SC 29732
03/10/11 9:54 CC/CC PD ABA-XXXXXX495
03/10/11 9:54 CC/CC PD ACCT-XXXXXX789
03/10/11 9:54 CC/CC PD BANK-FLEET BKNH
03/10/11 9:54 CC/CC PD BANK ADDR-15 FERRY ST
03/10/11 9:54 CC/CC PD BANK CSZ-HUDSON
NH 03051
03/10/11 9:54 CC/CC PD BANK PH-6038801752000000
03/10/11 9:54 DP/PD DELETE ALL POSTDATES
03/19/11 12:39 CC/CC A1-7500 CHERRY ROAD
03/19/11 12:42 CC/CC ADD ACCOUNT 0003179474 000175-1
03/19/11 13: 3 CC/CC RESET MR
03/19/11 13:10 CC/CC ADD ACCOUNT 0003179475 000175-1
03/21/11 20:59 CC/CC DEBTOR VIEWED THIS ACCOUNT VIA WWW
03/29/11 9: 0 CC/CC ACTIVITY - NU - CBR2310864
03/29/11 9: 1 TC/DD MMR...RCVD PERM TO LEAVE DETAILED
MSSG ON CELL 1166..ADV HAS ATTY
ECHOLS 803 325 1111
181
Cohort Report
000175-1, Activities: 05,06,01,03
Page 3
Master & Account #: 208718 999999999
Name
: PERRIN
, BOB
Address
: 300 CHATHAM AVE
, SC 29731
Status Code
: 45 PM CALL SCHEDULE
Collector Notes
======================
03/07/11 8:59 CC/CC RETURN 0001751-999999999
03/07/11 8:59 CC/CC INT BAL - 262.82 - CBR1529878
03/07/11 8:59 CC/CC RET CODE - CBR1529878
03/07/11 8:59 CC/CC RET DATE - 00-00-00 - CBR1529878
03/07/11 8:59 CC/CC UNRETURN 0001751-999999999
03/07/11 8:59 CC/CC RET CODE - YC - CBR1529878
03/07/11 8:59 CC/CC RET DATE - 03-07-11 - CBR1529878
03/07/11 8:59 CS/23 TO 42
03/10/11 13:21 SN/N
03/10/11 18:34 MV/MV BLIND APP MAILED
03/10/11 18:34 CS/42 TO 16
03/10/11 18:37 CS/16 TO 40
03/10/11 18:37 CS/40 TO 16
03/10/11 18:38 CS/16 TO 40
03/10/11 18:38 CS/40 TO 16
03/10/11 19:20 CC/CC HP-8030000000
03/11/11 9:12 TR/SX TELEPHONED RESIDENCE NUMBER DISCONNE
CTED
03/11/11 9:12 TR/NW TELEPHONED RESIDENCE NUMBER PERSON
SAID WN DKOP
03/11/11 9:12 TE/NW CALLED WRK NUMBER PERSON SAID WN
DKOP
CTED
CTED
CTED
03/11/11 9:16 CC/CC HP-8031231233
03/11/11 9:17 CS/16 TO 45
03/11/11 9:19 CS/45 TO 16
03/11/11 9:19 CS/16 TO 45
03/11/11 9:20 CS/45 TO 16
182
Cohort Report
000175-1, Activities: 05,06,01,03
Page 4
Collector Notes
======================
03/11/11 9:20 CS/16 TO 45
03/11/11 9:20 CS/45 TO 16
03/11/11 9:20 CS/16 TO 45
03/11/11 9:21 CS/45 TO 16
03/11/11 9:21 CS/16 TO 45
03/14/11 18:32 PR/PR LOOKS GOOD NXT PMNT APR 15
03/14/11 18:32 CC/CC CB CHANGE 03-24-11 TO 04-15-11
03/14/11 18:32 PR/PR LOOKS GOOD NXT PMNT APR 15
03/14/11 18:32 CC/CC CB CHANGE 03-24-11 TO 04-15-11
183
1-803-329-9791
1-800-849-9791
Returned Account Report
January 1, 2020
CLIENT # TEST –1
Sample Institution
Anytown, USA 00000
Dear Collections Manager:
The account(s) listed below are being returned to you for the reason specified.
Each account is recorded permanently in our master files where a new inquiry may turn up information that will
help us to collect for you at a future date.
Please be assured that we have strenuously pursued the collection of each account using all of the information
available to us.
NUMBER
NAME
ADDRESS/PHONE
ACCOUNT #
BALANCE
REASON
190719
Caleb, Shawn
123 Main Street
Anytown, USA 00000
(H) (999) 555-5555
(W) (555) 999-9999
41414141401
246.75
REFUSED/N0 ASSET
987 Main Avenue
America, USA 99999
(H) (111) 000-0000
(W) (000) 333-3333
33333333333
5482.00
PLACED IN ERROR
185498 Curtis, Ronald
2 Accounts
5728.75
Sincerely,
184
1-803-329-9791
1-800-849-9791
ADDRESS CHANGES
January 1, 2020
Sample Institution
Anytown, USA 00000
SSN#
--OLD ADDRESS --
555555555
ABLE, JOHN
123 ELM ST BOB
WINSTON SALEM NC 24332
--- NEW ADDRESS ---
DATE
00/00/20
185 HEIGHT ST
OUTBACK, NC 21112
(214) 123-3333
00
Account # 55555555501
234234234
RACER, ROACH
8833 PLAINS RD
ROCK HILL, SC 22299
00/00/20
2432 PARRIE DOG ROAD
FORT MILL, SC 22233
(000) 000-0000
00
Account # 23423423401
2 Changes Listed
185
13. Please attach a copy of your Gramm-Leach-Bliley Act Safeguard Policy to the
Proposal.
Safeguard of Information Procedure Report
While information is the cornerstone of our ability to provide efficient and superior service, our
most important asset is our client’s trust. Keeping consumer information secure and using it only as our
clients and the law allow is of major importance to Williams & Fudge, Inc. The following is our pledge to
protect personal and financial privacy at Williams & Fudge, Inc.
1.
We will safeguard, according to strict standards of security and confidentiality, any information
our clients, per our contractual arrangement, share with us about any consumer.
2.
We do not sell consumer information to third parties.
3.
We permit only authorized employees, who are trained in the proper handling of our client’s
customer information, to have access to that information. Employees who violate our privacy
expectations will be subject to our normal disciplinary process.
4.
We have training for the entire staff regarding the importance of protecting consumer data and the
appropriate ways to ensure compliance.
5.
We maintain a variety of physical security and monitoring technology to assist in the protection of
all data stored at Williams & Fudge, Inc.
6.
We utilize imaging and shredding to minimize the presence of sensitive data in a paper format.
7.
We will not reveal consumer information to any external organization unless we have previously
informed the consumer in disclosures or agreements, have been authorized by the consumer, or are
permitted or required by law or government regulators.
8.
We will always maintain control over the confidentiality of non-public personal information in our
custody.
9.
We require independent contractors and outside companies who work with us to adhere to strict
privacy standards through their contracts with us.
10. For purposes of credit reporting (if specified in the client contract) we may provide information to
the national credit bureaus.
11. We use technological means (such as backup files, virus detection and eradication software,
firewalls, and other computer software and hardware) to protect against unauthorized access or
alterations to consumer data.
186
12. We will not use or share any of a client’s customer’s personally identifiable medical information
for any purpose without the express consent of the client’s customer.
13. We will make every effort to keep all account files complete, up to date, and accurate. We will
tell our clients and consumers how and where to access account information (except where
prohibited by law) and how to notify us about errors which we will attempt to promptly correct.
Williams & Fudge, Inc. protects personal information by maintaining physical, electronic, and
procedural safeguards that meet or exceed applicable law. We are committed to protecting the non-public
personal information of consumers in every transaction, at every level of our organization.
Third parties who have access to personal information must agree to follow appropriate standards
of security and confidentiality. Williams & Fudge, Inc. trains people who work for us how to properly
handle personal information and we restrict access to it. This privacy policy remains, at all times,
applicable to both our clients and their respective customers.
Williams & Fudge, Inc. values each client relationship and we work very hard to honor the trust
placed in our company.
187
ATTACHMENT 3 – Small Business Subcontract Plan
Definitions
Small Business: “Small Business” means an independently owned and operated business which, together with
affiliates, has 250 or fewer employees, or average annual gross receipts of $10 million or less averaged over the
previous three years. Note: This shall not exclude DMBE-certified women- and minority-owned businesses when
they have received DMBE small business certification.
Women-Owned Business: Women-owned business means a business concern that is at least 51% owned by one
or more women who are citizens of the United States or non-citizens who are in full compliance with United States
immigration law, or in the case of a corporation, partnership or limited liability company or other entity, at least
51% of the equity ownership interest is owned by one or more women who are citizens of the United States or
non-citizens who are in full compliance with United States immigration law, and both the management and daily
business operations are controlled by one or more women who are citizens of the United States or non-citizens
who are in full compliance with the United States immigration law.
Minority-Owned Business: Minority-owned business means a business concern that is at least 51% owned by one
or more minority individuals or in the case of a corporation, partnership or limited liability company or other
entity, at least 51% of the equity ownership interest in the corporation, partnership, or limited liability company or
other entity is owned by one or more minority individuals and both the management and daily business operations
are controlled by one or more minority individuals.
All small businesses must be certified by the Commonwealth of Virginia, Department of Minority Business
Enterprise (DMBE) by the due date of the solicitation to participate in the SWAM program. Certification
applications are available through DMBE online at www.dmbe.virginia.gov (Customer Service).
Offeror’s Name:
Preparer Name:
Robert J. Perrin, President
Date:
November 1, 2013
Instructions
A.
If you are certified by the Department of Minority Business Enterprise (DMBE) as a small business,
complete only Section A of this form. This shall not exclude DMBE-certified women-owned and minorityowned businesses when they have received DMBE small business certification.
B.
If you are not a DMBE-certified small business, complete Section B of this form. For the bidder to receive
credit for the small business subcontracting plan evaluation criteria, the bidder shall identify the portions
of the contract that will be subcontracted to DMBE-certified small business in this section. Points will be
assigned based on each bidder’s proposed subcontracting expenditures with DMBE certified small
businesses for the initial contract period as indicated in Section B in relation to the bidder’s total price.
Section A
If your firm is certified by the Department of Minority Business Enterprise (DMBE), are you certified as a (check
only one below):
Small Business
Small and Women-owned Business
Small and Minority-owned Business
Certification Number:
Certification Date:
Page | 30
188
Section B
Populate the table below to show your firm's plans for utilization of DMBE-certified small businesses in the
performance of this contract. This shall not exclude DMBE-certified women-owned and minority-owned
businesses when they have received the DMBE small business certification. Include plans to utilize small businesses
as part of joint ventures, partnerships, subcontractors, suppliers, etc.
Plans for Utilization of DMBE-Certified Small Businesses for this Procurement
Small
Business
Name &
Address
Status if
Small
Business is
also:
DMBE
Certificate #
Women (W)
Minority (M)
Contact
Person,
Telephone &
Email
Type of
Goods
and/or
Services
Planned
Involvement
During Initial
Period
of the
Contract
Planned
Contract
Dollars
During Initial
Period
of the
Contract
Williams & Fudge does not subcontract collection services. All work
will be performed by Williams & Fudge personnel. Williams &
Fudge does utilize the services of small business/minority contractors
where available.
Totals $
Page | 31
189
II.STATEMENTOFNEEDS
A.
PerformanceRequirements
2.
Contractor shall understand fully the Federal Regulations for Perkins loans
and comply with all regulations. The Contractor shall provide the
Attestation Audit Letter annually and shall attach the current Attestation
Audit Letter for the 2012 year as well as financial statements for 2012 with
the proposal.
Williams & Fudge agrees to accept for collection, upon terms, conditions, and
provisions herein set forth, unpaid accounts (both 1st and 2nd placements) as Longwood
University refers for collection, and maintain licenses, as permitted by law, and in states
necessary to collect these accounts. Williams & Fudge understands the confidentiality
of all accounts placed for collection.
Williams & Fudge agrees to take affirmative action in complying with all federal
and state requirements concerning fair employment and employment of the physically
challenged, and concerning the treatment of all employees, without regard or
discrimination by reason of race, color, religion, sex, national origin or physical
limitations.
Williams & Fudge shall promptly undertake, through proper and lawful means, the
collection of all accounts referred by the University, and collect regardless of the amount.
Williams & Fudge shall not, under any circumstances, use any threats, intimidation, or
harassment of the consumer in the collection of accounts or violate any guidelines
established by the Fair Debt Collection Practices Act.
Williams & Fudge will perform contracted functions in compliance with all current
and future provisions of The Fair Debt Collection Practices Act, Consumer Credit
Protection Act (Public Law 95-109), Family Educational Rights and Privacy Act (FERPA),
Fair Credit Reporting Act (FCRA), Telephone Consumer Protection Act (TCPA), Consumer
Financial Protection Bureau (CFPB), National Defense (Federal Perkins) Education Act of
1958, Title II, and the Public Health Service Act Titles VII, and VIII. Regarding federal
regulations pertaining to the Higher Education Act of 1965 Title IV, as amended,
specifically those statutory provisions in Section 668.25 (contracts between an institution
and third-party servicer); Williams & Fudge agrees to comply with all current and future
applicable requirements.
Williams & Fudge’s most recent Attestation Audit & Financial Statements
follow.
190
Rock Hill, South Carolina
Compliance Attestation Examination
Of the Title IV Student Financial Assistance Program
For the Year Ended December 31, 2012
C. DeWitt Foard & Company, P.A.
Certified Public Accountants
1001 Morehead Square Drive
Suite 450
Charlotte, NC 28203
191
C. DEWITT FOARD & COMPANY, P.A.
CERTIFIED PUBLIC ACCOUNTANTS
1001 MOREHEAD SQUARE DRIVE  SUITE 450
CHARLOTTE, NORTH CAROLINA 28203
TELEPHONE: 704-372-1515  FACSIMILE: 704-372-6066
PHILLIP G. WILSON
TERRY W. LANCASTER
INDEPENDENT AUDITORS’ REPORT
To the Board of Directors
We have examined management's assertions included in its accompanying letter dated
March 4, 2013, that Williams & Fudge, Inc. complied with the compliance requirements set
forth therein relative to participation in the Federal Student Financial Assistance Programs
during the year ended December 31, 2012. As discussed in the accompanying letter,
management is responsible for Williams & Fudge, Inc.’s compliance with those requirements.
Our responsibility is to express an opinion on management's assertions about Williams &
Fudge, Inc.’s compliance based on our examination.
Our examination was made in accordance with Government Auditing Standards, issued by
the Comptroller General of the United States; standards established by the American Institute
of Certified Public Accountants; and the Audit Guide, Audits of Federal Student Financial
Assistance Programs at Participating Institutions and Institution Servicers, issued by the U.S.
Department of Education, Office of the Inspector General, January, 2000, as updated and
accordingly, included examining, on a test basis, evidence about Williams & Fudge, Inc.’s
compliance with those requirements and performing such other procedures as we considered
necessary in the circumstances. We believe that our examination provides a reasonable
basis for our opinion. Our examination does not provide a legal determination on Williams &
Fudge, Inc.’s compliance with specified requirements.
In our opinion, management's assertions that Williams & Fudge, Inc. complied with the
aforementioned requirements for the year ended December 31, 2012, are fairly stated, in all
material respects.
This report is intended solely for the information of Williams & Fudge, Inc. management, the
U.S. Department of Education, and participating customers who have contracted with
Williams & Fudge, Inc. for the use of this report, and their independent auditors. However,
this report is a matter of public record and its distribution is not limited.
March 4, 2013
MEMBER: AMERICAN INSTITUTE OF CPAS  NORTH CAROLINA ASSOCIATION OF CPAS
192
I. SERVICER INFORMATION SHEET
300 Chatham Avenue
Post Office Box 11590
Rock Hill, SC 29731
Telephone No.: 803.329.9791
Fax No.: 803.329.0797
President: Robert Perrin
Contact Person: David Williams, Executive Vice-President
Lead Auditor:
Jamie Hatmaker
E Mail Address: jamie@cdfco.com
License Number: Home State - NC 23768 Out of State NA
Firm's Name:
C. DeWitt Foard & Company
Address:
1001 Morehead Square Drive, Suite 450
Charlotte, NC 28203
Telephone No.: 704.372.1515
Fax No.:
704.372.6066
DIVISION OF RESPONSIBILITY FOR COMPLIANCE REQUIREMENTS
Compliance Requirements
I.
Computer operations
A. Terminal and software security
B. Data integrity
C. System and data backup
D. Disaster recovery plan
Responsibility
of Institution
Responsibility
of Williams &
Fudge
Explanation of
Divided Responsibilty
X
X
X
X
Responsibilites indicated at left
relate only to Williams & Fudge
systems and to their maintenance
of their collection system.
II. Cash management
A. Drawdowns
B. Authorization vs. expenditures
C. Reconcile G/L to bank
D. Bank account notes federal funds
N/A
No cash management services
are provided by Williams & Fudge.
III. Financial reports
A. FISAP
B. EDPMTS/EDCAPS
C. Pell IPS
N/A
No information for financial reports
is provided by Williams & Fudge.
193
Responsibility
of Institution
Responsibility
of Williams &
Fudge
Explanation of
IV. Institutional eligibility
A. Participation agreement/ECAR
B. Accreditation status
C. Admissions policy
D. Eligible programs
E. Calculation of institution eligibility
ratios
F. Licenses
G. Administrative capability items
N/A
No institutional eligibility services
V. Student eligibility
A. High school diploma or equivalent
or ability to benefit
B. Regularly enrolled in eligible
programs
C. Citizen or permanent resident
D. Satisfactory progress
E. Default/refund status
F. Social security number match
requirement
G. Other requirements
N/A
No student eligibility services are
provided by Williams & Fudge.
VI. Coordination of programs
A. Financial aid organization
B. Other information available
C. Needs analysis
D. Professional judgement
documentation
N/A
No coordination services are
VII. Administrative capability
A. Student file maintenance
B. Record retention
C. Verification
VIII. Disbursements
A. Financial aid transcripts/NSLDS
information
B. Independent/Dependent status
determination
C. Timing and amount of
disbursements
X
X
X
X
N/A
Williams & Fudge does verify and
provide change of name, address,
social security number and phone
number to the institution when
new information is obtained.
No disbursement services are
194
Responsibility
of Institution
Responsibility
of Williams &
Fudge
Explanation of
IX . Refunds or overpayments
A. Policy
B. Refund calculations
C. Overpayment calculations
D. Disbursement and accounting
for refunds/overpayments
N/A
No refunds or overpayments
services are provided by
Williams & Fudge.
X. Institutional disclosure
A. Accuracy of institutional data
B. Disclosure to students
N/A
No institutional disclosure services
XI. Pell grant
A. Types of expenditures allowed
B. Program performance
1. Calculation and disbursement
of award
2. Timing of payment;cutoff dates
for receipts of SARs
C. Financial reports
N/A
No Pell Grant services are
XII. Campus-based programs (general)
A. Types of expenditure allowed
1. Program expenditures
2. Administrative cost allowance
B. Program performance
1. Accuracy of FISAP data
2. System of need analysis,etc.
N/A
No general campus-based
program services are provided
by Williams & Fudge.
XIII. Campus-based programs (Perkins)
A. Type of expenditures allowed
B. Matching
C. Program performance
1. Student eligibility
2. Approved promissory note
3. Due diligence
4. Repayment records
D. Special compliance requirements
1. Minimum cash balance;
cash planning
2. Treatment of interest earned
on Perkins loan balance
X
X
X
X
X
X1
X2
1. Williams & Fudge performs
due dilligence as required
under 674.48.
2. Williams & Fudge processes
collection payments and
maintains computer-based
records.
X
X
195
Responsibility
of Institution
Responsibility
of Williams &
Fudge
Explanation of
XIV. Campus-based programs (FSEOG)
A. Eligible expenditures
B. Matching
C. Selection of students for
FSEOG awards
N/A
No FSEOG program services
XV. Campus-based programs (FWS)
A. Type of expenditures and
employment allowed
1. Type of employment allowed
2. Type of expenditures allowed
B. Matching
C. Program performance
1. Selection of students for
employment
2. Approval of time sheets and
payment to students
D. Special compliance requirements
1. JLD and CSJLD programs
2. CSL programs (5% minimum)
N/A
No FWS program services are
XVI. Federal Family Education Loans (FFEL)
A. Program performance
1. Determination of eligibility and
completion of application
2. Default reduction measures
3. Entrance and exit counseling
4. Loan disbursement
5. EFT Roster reconciliation
6. Eligibility for disbursement
B. Status reporting
1. SSCR completion
2. Change in enrollment status
C. Special compliance requirements
1. Refund policy
2. Refunds to lenders
N/A
No FFEL program services are
196
XVII. Federal Direct Loan Program(FDLP)
A. Program performance
1. Determination of eligibility
2. Entrance and exit counseling
3. Exporting and importing
electronic files to/from LOC
4. Loan disbursement
5. Monthly data matching includes:
1. Loan & cash detail records
2. Summary records
B. FDLP status reporting
1. SSCRs
2. Change in enrollment status
Responsibility
of Institution
Responsibility
of Williams &
Fudge
N/A
Explanation of
No FDLP services are provided
by Williams & Fudge.
197
198
199
200
1.
INSTITUTIONAL ELIGIBILITY AND PARTICIPATION
Required Management Assertion
This assertion is not applicable given the nature of the contracts with our clients.
Compliance Requirements and Suggested Procedures
Servicers may contract to assist institutions to obtain and/or maintain their eligibility to
participate in the Title IV, HEA programs. The institutional eligibility and participation
compliance requirements are discussed in Section II of the Guide. The auditor should
review the servicer's contracts with its clients to obtain an understanding of what services
are to be provided. To the extent that the servicer contracts to assist an institution in
obtaining and/or maintaining its eligibility, the auditor should review the requirements
and perform the suggested procedures in Section II.
Auditor’s Findings
Institutional eligibility and participation is not applicable to Williams & Fudge, Inc.
201
2.
REPORTING
Williams & Fudge, Inc., complies with the Reporting requirements (Demographic
Report, Close & Return Report, and Invoice & Statement Report) listed in Section
II of the ED SFA Guide as applicable to our clients.
Servicers may contract to provide financial and student record maintenance for
institutions which will include compliance with reporting requirements as discussed in
Section II of the Guide. The auditor should review the servicer's contracts with its clients
to obtain an understanding of what services and reports are to be provided. To the extent
that the servicer contracts to comply with any of the reporting requirements, the auditor
should review the requirements and perform the suggested procedures in Section II.
Williams & Fudge, Inc., complies with Reporting requirements.
Monthly reports are issued to institutions as follows:
a.
Demographic Report that includes any changes to name, address,
social security number and phone number.
b.
Close & Return Report that lists those accounts where collection
efforts have ceased.
b.
Invoice & Statement Report that reports all payments credited to
the student’s account. Report is produced pursuant to guidelines
and contractual agreement with institution.
202
3.
STUDENT ELIGIBILITY
SFA program descriptions and compliance requirements are detailed in Section II of the
Guide. The auditor should review the servicer's contracts with its clients to obtain an
understanding of what services are to be provided with regard to the determination of
student eligibility and the related compliance requirements. Based on the services
provided, the auditor should perform the suggested procedures in Section II dealing with
student eligibility. The sample of student files to test will be based on the sampling
methodology discussed in Section III. The determination that a student's financial aid
award is not in excess of their need (suggested procedure c. 8 on page II-19) is the
determination that the award is accurate and does not exceed any applicable aggregate or
annual limits. Tests should be based on information available at the servicer, either
electronic files or hard copies, and there should be no need to obtain student files or
award packages from institutions.
Student eligibility is not applicable to Williams & Fudge, Inc.
203
4.
DISBURSEMENTS
SFA compliance requirements, including payment periods, credit balances in student
accounts and disbursement criteria are detailed in Section II of the Guide. The auditor
should review the servicer's contracts with its clients to obtain an understanding of what
services are to be provided with regard to the disbursement of SFA funds and the related
compliance requirements. Based on the services provided, the auditor should perform the
suggested procedures in Section II dealing with disbursements. The sample of student
files to test will be based on the sampling methodology discussed in Section III. Caution
should be exercised when the servicer writes award checks. In these cases, the auditor
should document the procedures used to actually disburse the funds, who signed the
checks, procedures to ensure that the student attended classes for the prescribed time
prior to the disbursement of the funds, and the return of funds when appropriate. Tests
should be based on information available at the servicer, either electronic files or hard
copies, and there should be no need to obtain student files or award packages from
institutions.
Disbursements are not applicable to Williams & Fudge, Inc.
204
5.
RETURN OF TITLE IV FUNDS
SFA compliance requirements, including refund sequence, time frame for return of
Federal funds, and leave of absence withdrawals are detailed in Section II of the Guide.
The auditor should review the servicer's contracts with its clients to obtain an
understanding of what services are to be provided with regard to refunds. Based on the
services provided, the auditor should perform the suggested procedures in Section II
dealing with refunds. The sample of student files to test will be based on the sampling
methodology discussed in Section III. The determination that the proper refund has been
calculated and made within the due dates and in the proper sequence should be based on
the information available at the servicer, either electronic files or hard copies, and there
should be no need to obtain student files from institutions.
Return of Title IV funds is not applicable to Williams & Fudge, Inc.
205
6. GAPS AND CASH MANAGEMENT
SFA compliance requirements are detailed in Section II of this Guide. The auditor
services are to be provided with regard to cash management and the related compliance
requirements and their applicability. Based on the services provided, the auditor should
perform the suggested procedures in Section II dealing with cash management. The cash
management rules and procedures that apply to an institution under 34 CFR 668 Subpart
K also applies to a third-party servicer. The auditor should document the servicer's cash
management responsibilities. Particular care should be given to the servicer's procedures
for ensuring that funds drawn are disbursed within three working days and that excess
cash tolerances are not exceeded.
GAPS and Cash Management are not applicable to Williams & Fudge, Inc.
206
7. PERKINS LOAN
Williams & Fudge, Inc. complied with the Perkins Collections and Due Diligence
compliance requirements listed in Section II of the ED SFA Guide as they apply to
our clients.
SFA compliance requirements concerning Perkins Collections, Due Diligence, NSLDS,
and, if applicable, Default Management and./or Liquidation are detailed in Section II of
the Guide. The Auditor should review the servicer’s contracts with its clients to obtain an
understanding of what services are to be provided with regard to collections and due
diligence over Perkins funds and the related compliance requirements. Based on the
services provided, the auditor should perform the suggested procedures in Section II
dealing with these subjects. However, the sample of student files to test should be based
on the sampling methodology discussed in Section II..
Auditor’s Finding
Williams & Fudge, Inc. complied with the Perkins Collections and Due Diligence
compliance requirements listed in Section II of the ED SFA Guide as they apply to our
clients.
207
8. CLOSE OUT (IF APPLICABLE)
If an institution loses its eligibility, ceases to provide educational instruction, or
discontinues participation in the Title IV program during the award year, the following
additional compliance requirements must be tested. Further, other compliance
requirements in this audit guide must be tested.
Williams & Fudge, Inc., complied with Close Out compliance requirements listed
in Section II of the ED SFA Guide as they apply to our clients.
SFA compliance requirements are detailed in Section II of the Guide. The auditor
services are to be provided with regard to an institution which ceases to participate in
the Title IV programs during the award year and the related compliance requirements
and their applicability. Based on the services provided, the auditor should perform the
suggested procedures in Section II dealing with close out. The auditor should document
the servicer's responsibilities for any of its clients which may have ceased participation
in the Title IV program during the award year. Particular care should be given to if and
how the servicer assists the closed client in its arrangements with regard to records
concerning the administration of the program and, if applicable, the collection of any
outstanding Perkins or FDLP loans.
Williams & Fudge, Inc. complies with any request by a client to cease participation in
the Title IV program by sending all documents and payments to the institution or
governing authority.
208
9. SERVICER ELIGIBILITY
Williams & Fudge, Inc., complied with the Third-Party Eligibility compliance
requirements listed in Section IV of the ED SFA Guide.
An institution may enter into a written contract with a third-party servicer only to the
extent that the servicer's eligibility has not been limited, suspended or terminated under
the proceedings of 34 CFR 668 Subpart G.
Williams & Fudge, Inc., is eligible because it is not ineligible (i.e., servicer has not
become ineligible via conviction of criminal act or suspended or terminated under
proceedings of 34 CFR 668 Subpart G).
209
10. SERVICER'S SYSTEMS AND INTERNAL CONTROLS
Williams & Fudge, Inc., has established systems with internal controls which
assured compliance with requirements listed in Section II of the ED SFA Guide for
those services which it provided.
In addition to examining the servicer management's assertions about the specified compliance requirements
identified in Section II, this guide also requires the practitioner to examine and report on the servicer
management's assertion about the effectiveness of the servicer's internal control structure over compliance
with those specified compliance requirements.
Management is responsible for the effectiveness of the servicer's internal control structure and for
evaluating its effectiveness using reasonable criteria. As discussed in paragraph 6 of SSAE No. 3,
practitioners are allowed to accept an engagement to examine management's assertion about the
effectiveness of the entity's internal control structure over compliance only if management uses reasonable
criteria, such as those established in Internal Control-Integrated Framework issued by the Committee of
Sponsoring Organizations of the Treadway Commission (COSO). When the servicer uses computers to
process data the auditor may find useful information in the General Accounting Office publication
Assessing the Reliability of Computer-Processed Data (GAO/OP-8.1.3, September I 990).
In performing the examination-level engagement, the practitioner is required to obtain an understanding of
the relevant portions of the servicer's internal control structure over compliance as described above, and to
test and evaluate the design and operating effectiveness of the servicer's internal control structure over
compliance with those specified compliance requirements. As the internal control structure over
compliance varies among servicers, not all of the suggested procedures below may be applicable for testing
the design and operating effectiveness of the servicer's internal control structure over compliance.
A servicer should have controls, however, that give the servicer reasonable assurance that it is complying
with the specified compliance requirements identified in Section II of this guide. Thus for purposes of
management and practitioner reporting, the severity of control deficiencies relates to whether those internal
controls prevent or detect material noncompliance in each of the specified areas. Overall guidance for the
consideration of the internal control structure and reporting requirements in an examination-level
attestation engagement is provided in paragraphs 44-46 of SSAE No.3.
Williams & Fudge, Inc., has established systems of internal controls which assured
compliance requirements. Internal controls reviewed included: cash management
statement, organizational chart, insurance coverage, and tracing receipt of payments from
mail receipt to client disbursement.
210
211
December 31, 2012
NO NONCOMPLIANCE AUDIT FINDINGS
212
December 31, 2012
SUMMARY SCHEDULE OF PRIOR YEAR AUDIT FINDINGS
There was one noncompliance audit finding for the period ending December 31, 2011.
Williams & Fudge, Inc. failed to retain, for at least three years, certain copies of payment checks
received from outside attorneys. During the year ended December 31, 2012, Williams & Fudge, Inc.
implemented its corrective action plan, and this finding has been resolved.
213
Privileged and Confidential - Proprietary
Information
FINANCIAL STATEMENTS
DECEMBER 31, 2012 AND 2011
214
C. DEWITT FOARD & COMPANY, P.A.
CERTIFIED PUBLIC ACCOUNTANTS
1001 MOREHEAD SQUARE DRIVE  SUITE 450
CHARLOTTE, NORTH CAROLINA 28203
TELEPHONE: 704-372-1515  FACSIMILE: 704-372-6066
PAGE ONE
PHILLIP G. WILSON
TERRY W. LANCASTER
INDEPENDENT AUDITORS’ REPORT
To the Board of Directors
We have audited the accompanying financial statements of Williams & Fudge, Inc. (An ‘S’ Corporation) which
comprise the balance sheets as of December 31, 2012 and 2011, and the related statements of income, retained
earnings, and cash flows for the years then ended, and the related notes to the financial statements.
Management’s Responsibility for the Financial Statements
Management is responsible for the preparation and fair presentation of these financial statements in accordance
with accounting principles generally accepted in the United States of America; this includes the design,
implementation and maintenance of internal control relevant to the preparation and fair presentation of financial
statements that are free from material misstatement, whether due to fraud or error.
Auditor’s Responsibility
Our responsibility is to express an opinion on these financial statements based on our audit. We conducted our
audit in accordance with auditing standards generally accepted in the United States of America. Those
standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial
statements are free of material misstatement.
An audit includes performing procedures to obtain audit evidence about the amounts and disclosures in the
financial statements. The procedures selected depend on the auditor’s judgment, including the assessment of the
risks of material misstatement of the financial statements, whether due to fraud or error. In making those risk
assessments, the auditor considers internal control relevant to the entity’s preparation and fair presentation of the
financial statements in order to design audit procedures that are appropriate in the circumstances, but not for the
purpose of expressing an opinion on the effectiveness of the entity’s internal control. Accordingly, we express
no such opinion. An audit also includes evaluating the appropriateness of accounting policies used and the
reasonableness of significant accounting estimates made by management, as well as evaluating the overall
presentation of the financial statements.
We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our audit
opinion.
Opinion
In our opinion, the financial statements referred to above present fairly, in all material respects, the financial
position of Williams & Fudge, Inc as of December 31, 2012 and 2011, and the results of its operations and its
cash flows for the years then ended in accordance with accounting principles generally accepted in the United
States of America.
March 17, 2013
Charlotte, North Carolina
MEMBER: AMERICAN INSTITUTE OF CPAS  NORTH CAROLINA ASSOCIATION OF CPAS
215
(An ‘S’ Corporation)
Balance Sheets
December 31, 2012 and 2011
Current Year
Prior Year
$ 2,697,832
2,037,339
21,343
360,761
$ 3,175,909
1,951,461
12,382
156,520
5,117,275
5,296,272
1,687,960
1,150,008
1,140,904
283,183
232,641
96,492
107,620
1,577,581
735,855
1,040,403
248,667
232,641
124,215
-
4,698,808
3,959,362
(2,002,013)
(2,123,280)
2,696,795
1,836,082
$ 7,814,070
$ 7,132,354
Assets
Current Assets:
Cash (Note 1)
Accounts Receivable – Trade (Note 1)
Accounts Receivable – Other
Prepaid Expenses
Total Current Assets
Property and Equipment (At Cost) (Note 1):
Furniture & Fixtures
Leasehold Improvements
Computer Hardware
Equipment
Vehicles
Software
Construction In Progress
Total Property and Equipment
Accumulated Depreciation
Property and Equipment, Net
Total Assets
See Independent Auditors’ Report
1
216
Balance Sheets
December 31, 2012 and 2011
Current Year
Prior Year
Liabilities and Stockholders’ Equity
Current Liabilities:
Accounts Payable
Accrued Payroll and Related Taxes
Accrued Taxes and Other Liabilities
Total Current Liabilities
Stockholders’ Equity:
Common Stock, $1 Par Value, Authorized
200,000 Shares; 85,000 Shares Issued
And Outstanding (Note 3)
Retained Earnings
Total Stockholders’ Equity
Total Liabilities and Stockholders’ Equity
$
221,558
1,118,136
1,469
$
172,485
881,642
1,010
1,341,163
1,055,137
51,000
6,421,907
51,000
6,026,217
6,472,907
6,077,217
$ 7,814,070
$ 7,132,354
2
217
Statements of Income and Retained Earnings
For the Years Ended December 31, 2012 and 2011
Collection Revenue:
Collection Revenue
Fees and Reimbursements
Total Collection Revenue
Operating Expenses:
General and Administrative Expenses
Total Operating Expenses
Income from Operations
Other Income (Expense):
Interest and Dividend Income
Political Contributions
Interest Expense
Rental Income
Foreign Taxes Paid
Tax Penalties
Current Year
Prior Year
$ 33,363,619
84,810
$ 28,981,970
49,723
33,448,429
29,031,693
31,010,831
25,788,360
31,010,831
25,788,360
2,437,598
3,243,333
57,996
4,125
(29)
(4,000)
54,426
(11,000)
(1,039)
625
(19)
(367)
58,092
42,626
Net Income
2,495,690
3,285,959
Retained Earnings at Beginning of Year
6,026,217
4,665,258
(2,100,000)
(1,925,000)
Total Other Income (Expense)
Shareholder Distributions
Retained Earnings at End of Year
$ 6,421,907
$ 6,026,217
3
218
Statements of Cash Flow
Cash Flows From Operating Activities:
Net income
Adjustments to reconcile net income to
net cash provided by operating activities:
Depreciation
(Increase) decrease in receivables
(Increase) decrease in prepaid expenses
and other assets
Increase (decrease) in accounts payable
Increase (decrease) in other accrued liabilities
Total Adjustments
Net Cash Provided By Operating Activities
Current Year
Prior Year
$ 2,495,690
$ 3,285,959
464,906
(94,839)
398,093
(275,768)
(204,241)
49,073
236,953
(1,559)
(70,312)
206,475
451,852
256,929
2,947,542
3,542,888
Cash Flows From Investing Activities:
Property additions
(1,325,619)
(804,666)
Net Cash Used In Investing Activities
(1,325,619)
(804,666)
Cash Flows From Financing Activities:
Principal payments on debt
Cash distributions to shareholder
(2,100,000)
(137,470)
(1,925,000)
Net Cash Used In Financing Activities
(2,100,000)
(2,062,470)
Increase (Decrease) in Cash
Cash at Beginning of Year
Cash at End of Year
(478,077)
675,752
3,175,909
2,500,157
$ 2,697,832
$ 3,175,909
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Notes to Financial Statements
1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES:
Nature of Operations
The Company was incorporated under the laws of the State of South Carolina on
July 7, 1986. The Company’s principal business activity is that of a collection
agency. The Company’s principal customers are colleges and universities for
which it collects amounts owed by students for loans, tuition, and fees (ASC 27510-50-2).
Method of Accounting
Assets, liabilities, revenue, and expenses are recorded using the accrual method
of accounting. Amounts collected on behalf of others are deposited into bank
accounts used only for trust funds, and a corresponding liability is recorded.
Amounts collected are then remitted or reported to clients on a weekly, biweekly, or monthly basis. Clients elect to have the amounts remitted to them
either in full or net of the Company’s collection fees. The actual loans that the
Company is collecting remain the property of the Company’s clients. As such, no
assets or liabilities for the actual client receivable are included in these financial
statements (ASC 235-10-50-3 and 50-6).
Cash
The Company invests certain cash balances in overnight Sweep Accounts. The
Company considers all cash accounts to be cash equivalents (ASC 230-10-45-6;
230-10-50-1).
Accounts Receivable
Accounts receivable represents client-based loans being collected on by the
Company. Any debtor with an uncollectible account is returned to the issuing
institution for handling. As a result, the Company does not utilize an allowance
for bad debts (ASC 310-10-50-9).
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Property and Equipment
Property and equipment are carried at cost. Maintenance and repairs are
charged to operations when incurred. Depreciation expense is calculated for
financial reporting purposes using the straight-line method over the estimated
useful lives of the assets. Salvage values are not utilized. Depreciation expense
for income tax purposes is computed utilizing the straight-line, accelerated, and
modified accelerated cost recovery system and the expensing election allowed
under Internal Revenue Code Section 179 (ASC 360-10-50-1).
The decision to capitalize new assets is made on a per-item basis. New assets
are evaluated when their cost exceeds $500, and they are capitalized when the
useful life is greater than one year.
The following estimated useful lives are used for Property and Equipment:
Furniture & Fixtures
Leasehold Improvements
Computer Hardware
Equipment
Vehicles
Software
Years
5 – 10
5 – 39
3 – 10
3 – 10
5
3
For the years ended December 31, 2012 and 2011, depreciation expense was
$464,906 and $398,093, respectively (ASC 360-10-50-1).
Statements of Cash Flow
The Company uses the indirect method in preparing its statements of changes in
cash flows. Interest paid was $0 and $1,039 in 2012 and 2011, respectively
(ASC 230-10-50-2).
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Use of Estimates
The preparation of financial statements in conformity with GAAP requires
management to make estimates and assumptions that affect certain reported
amounts of assets and liabilities and disclosures of contingent assets and
liabilities at the date of the financial statements and the reported amounts of
revenues and expenses during the reporting period. Actual results could differ
from those estimates (ASC 275-10-50-4).
Concentration of Risk
The Company regularly maintains cash balances in excess of insured limits in
both its operating and trust accounts at South Carolina Bank and Trust of the
Piedmont. Management believes that the risk associated with these accounts is
minimal. For Company funds held at South Carolina Bank and Trust, uninsured
cash balances at December 31, 2012 and 2011 totaled $5,584,839 and
$6,450,847, respectively, given a deposit insurance amount of $250,000 for 2012
and 2011 (ASC 275-10-50-16 through 50-22).
Income Taxes
The Company has elected to be taxed under the provisions of Subchapter S of
the Internal Revenue Code. Accordingly, the financial statements do not include
a provision for income taxes because the Company does not incur federal or state
income taxes. Instead, its earnings and losses are included in the Shareholders’
personal income tax returns (ASC 740-10-50-16).
U.S. generally accepted accounting principles require an organization to
recognize a tax benefit or expense from an uncertain tax position only if it is
more likely than not that the tax position will be sustained on examination by the
taxing authorities, based on the technical merits of the position. The Company
has no uncertain tax positions as of December 31, 2012.
Advertising
The Company’s policy is to expense advertising costs as incurred. Costs incurred
during the years ended December 31, 2012 and 2011, totaled $37,318 and
$46,935, respectively (ASC 720-35-50-1).
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2. TRANSACTIONS WITH RELATED PARTIES:
The Addison Avenue office space was not rented by a Shareholder to the
Company in 2012 or 2011 but remains in reserve as part of the Company's
disaster recovery plan.
The President and a Shareholder of the Company are each 33% members in a
related entity, Old Cotton Factory Manager, LLC, from which they rent their
current office space.
No receivables or payables existed between these two
parties on December 31, 2012 or 2011. See Note 6 for lease details (ASC 85010-50-5).
3. STOCKHOLDERS’ EQUITY:
The capital stock structure is as follows (ASC 505):
Common Stock, Voting:
Class A, $1 Par Value, 100,000 Shares Authorized,
51,000 Shares Issued and Outstanding
$
Common Stock, Non-Voting:
Class B, No Par Value, 100,000 Shares Authorized,
34,000 Shares Issued and Outstanding
$
51,000
51,000
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4. CHANGE IN STOCKHOLDERS’ ACCUMULATED ADJUSTMENTS ACCOUNT:
The following is a schedule of changes in the Company’s accumulated
adjustments account:
Current Year
Prior Year
$ 5,097,875
$ 4,061,710
Taxable income
2,292,228
2,953,744
Other additions
62,121
54,426
(62,786)
(47,005)
(2,100,000)
(1,925,000)
Accumulated adjustments account,
Beginning of year
Nondeductible expenses
Cash distributions to shareholder
Accumulated adjustments account,
End of year
$ 5,289,438
$ 5,097,875
5. PENSION PLAN
The Company participates in a group defined contribution pension plan known as
the Williams & Fudge, Inc. Retirement Savings Plan (the Plan). The Plan covers
all employees who are age twenty-one and older that have completed six months
of service by the sign up dates, January 1st and July 1st. The Company currently
makes matching contributions of fifty percent of employee contributions up to
four percent.
Participants are immediately vested in their salary deferral
contributions plus the actual earnings thereon.
Vesting on employer
contributions occurs at a rate of twenty percent per year after one year of
service. During the years ended December 31, 2012 and 2011, the Company's
matching contributions were $254,903 and $209,503. Plan assets at December
31, 2012 and 2011 were $6,722,954 and $5,374,151 (ASC 715-20-50-1).
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6. LEASE COMMITMENTS
The Company leases its Rock Hill, SC location.
The initial lease, which
commenced on September 1, 2007, is for a term of ten years. The term of this
lease may be extended for up to three additional terms, each additional term
being five years in duration. Rent for this office space for the years ended
December 31, 2012 and 2011 was $513,156 and $431,767, respectively.
Effective April 4, 2011 and July 1, 2012, the Company rented an additional +/6,243 and +/- 16,056 square feet, respectively, on the first floor of the Building it
leases in Rock Hill, SC. The amended lease agreement calls for a base rent of
$10.33 per square foot during the first lease year of the remaining term with an
annual increase thereafter of 2.50%.
The approximate minimum lease payments under the non-cancellable lease are
as follows (ASC 840-20-50-1 & 2) (FAS-13, par. 16):
For the Years Ending December 31:
2013
2014
2015
2016
2017
$
593,767
608,612
623,827
639,422
433,328
$ 2,898,956
7. SUBSEQUENT EVENTS
The Company evaluated subsequent events from the date of the balance sheet
through March 17, 2013. As of March 1, 2013, the Addison Avenue office space
was rented by a Shareholder to the Company and the facility is no longer
considered a part of the Company's disaster recovery plan.
No other subsequent events have been identified that would affect the financial
statements for the year ended December 31, 2012. The financial statements will
be available for issue shortly after the audit date of March 17, 2013 (ASC 85510-50-1).
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Report on Collection Processing
Placed in Operation
Williams and Fudge, Inc.
As of December 31, 2012
with Report of Independent Auditors
226
Williams and Fudge, Inc.
Report on Collection Processing Placed in Operation
As of December 31, 2012
Contents
Section I - Independent Service Auditors’ Report .............................................................................. 1-3
Section II – Assertion of Williams & Fudge, Inc................................................................................. 4-5
Section III – Description of the System Provided by Williams & Fudge, Inc.
Company Overview and Relevant Aspects of Controls ..................................................................... 6-13
Description of Collection Processing and Operations ...................................................................... 14-16
Description of Information Systems Environment ........................................................................... 17-18
Description of Control Objectives and Specified Descriptions of Controls ..................................... 19-26
Section IV – Complementary User Entity Controls ....................................................................... 27-28
Section V – Other Information Provided by the Independent Service Auditor
Purpose and Objectives of the Report .....................................................................................................29
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228
229
230
231
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Section III – Description of the System Provided by Williams and Fudge, Inc.
Company Overview and Relevant Aspects of Controls
Overview of Operations
The Company is a South Carolina corporation formed in July 1986 with the purpose of serving
the higher education industry in the recovery of education related receivables.
Specific debt types collected by the Company include Federal Perkins loans, tuition, campus –
based institutional loans, private education (alternative) loans, and other miscellaneous accounts
receivables such as parking, library fines, and room and board. The Company maintains a single
collections office in Rock Hill, South Carolina, to collect from students located throughout the
United States and in many foreign countries.
In the routine course of business, the Company has outsourced certain business processes related
to maintenance and administration of collection processing applications, which are considered
outside the scope of this report. The Company monitors the performance of the vendors with
which it contracts through a variety of mechanisms such as receipt and review of performance
metrics, on-site visits to the vendors, and testing or quality review of transactions handled
pursuant to the contractual arrangement.
Description of Control Elements
Organization and Management
Executive management plays a significant role in ensuring the control environment is
functioning properly. The Company holds weekly meetings of its executive management and
quality assurance teams to discuss open projects, revenues, sales (placement) activity, as well as
to update continuous process improvements.
Management Philosophy and Operating Style
The Company’s mission is to do its best everyday by providing exceptional customer service,
respecting the consumer, honoring each other, maintaining high ethical conduct, and being a
good community citizen. The Company’s philosophy is simple: “Our Clients are our Board of
Directors.” From the CEO to the newest employee, the Company believes in a never ending role
of support. The Company upholds this belief through campus visits, direct client service
contacts, and continuing education in all facets of the education-related receivables management
industry.
The Company’s objectives remain the same throughout, offering full opportunities to employees,
regardless of race, sex, age, or creed. Management employs only top quality candidates and
trains them in financial aid programs, campus receivable issues, and the higher education
environment.
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Assignment of Authority and Responsibility
The Company’s Executive Managers are the Chief Executive Officer, President, Executive Vice
President, Executive Vice President of Sales, Vice President of Collections and Director of
Human Resources. They have the ultimate responsibility for all activities within the Company,
including the internal control environment. This includes the assignment of authority and
responsibility for operation activities, and establishment of reporting relationships and
authorization protocols.
Organizational Structure
The Company’s organizational structure provides the framework for planning, executing,
controlling, and monitoring activities to achieve its objectives. The Company is organized to
provide controls appropriate for its business. Annual goals are established by executive
management and are used to monitor and assess performance. Below is a departmental
organization chart of the Company.
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Training
The Company’s employees are comprehensively trained in the collection of higher education
student loans and receivables management, beginning with instruction of the Fair Debt
Collection Practices Act (“FDCPA”). A complete understanding, governing all collection laws,
is required of all new employees and an oral essay and computerized test is taken and reviewed
before the training program continues.
Training continues with the development of a thorough understanding of the federal Perkins loan
program, campus based institutional loans, student receivables, private/alternative loans and
programs administered by the United States Department of Health & Human Services. The
Company provides training on the complete financial aid process and how programs
administered by the campus financial aid office affect the tuition balance.
In order to keep pace with the fast changing world of higher education collections, the Company
developed an in-house training and knowledge evaluation program under the direction of the
Director of Employee Development. All employees are required to complete certain core
courses on FDCPA regulations and ethics. Collections employees are required to complete
additional training germane to their specific job responsibilities. All such training is completed
at the outset of employment with the Company. In addition, the Company provides a voluntary
personal development program for interested employees consisting of additional courses to
further employees’ base of knowledge of the collections industry. Such courses are offered on a
continual basis.
Hiring Practices and Human Resource Policies
The Company has formal hiring practices designed to ensure that new employees are well
qualified to carry out their job responsibilities. All candidates are screened by the Director of
Human Resources who also conducts background checks, through the South Carolina Law
Enforcement Division (“SLED”), upon offer and acceptance of employment.
Each new employee participates in a formal orientation process. The orientation process
carefully reviews the employee handbook, offers an organizational overview, a tour of the
building, and discusses a range of procedures and job requirements. Detailed policies pertaining
to consumer contacts and security are reviewed closely during orientation. All employees
receive an employee handbook and sign an acknowledgement indicating they have received and
reviewed the employee handbook. The employee handbook is reviewed and updated
periodically by Human Resources (“HR”) and Legal.
Protection of Financial Data
All employees are required to review and sign the Company’s Protection of Financial Data and
Processes and Statement of Company Policy in Connection with Consumer Contacts during new
hire orientation. Both documents contain clear guidelines of the employees’ role in protecting
client information.
Integrity and Ethics
As collectors of seriously delinquent debt for colleges and universities, the Company
understands the need to uphold the highest possible ethical standards in order to counter the
negative perception of “bill collectors.”
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Integrity and Ethics (continued)
Federal regulations require a minimum legal standard of compliance to protect consumers.
These standards include the Company’s compliance with the FDCPA, Fair Credit Reporting Act
(“FCRA”), Gramm-Leach-Bliley Act (“GLBA”), and Federal Trade Commission Red Flag Rules
(“RFR”), and the regulations of the United States Department of Education. Thirty-four state
licensing laws, as well as other state and federal laws that pertain to all businesses, regulate the
collection industry. Governance is important to the Company; ethics are more important.
The Company’s international trade association, ACA International, the Association of Credit and
Collection Professionals (“ACA”), has a Code of Ethics and Professional Responsibility that
serves as the Company’s guide of operation and includes guidelines surrounding professional
misconduct. Professional misconduct includes violation of state and federal laws, conviction of
a crime, dishonesty, fraud, harassment, unprofessional conduct, misrepresentation, and use of the
ACA for self-benefit.
Considering the volume of work produced in the offices of the Company, the need for printed
ethical standards and accountabilities to mirror corporate leadership may be readily ascertained.
Therefore, the Company adopted the previously published code of ethics statement of ACA,
posted it onto the Company’s Intra-Web Link Site, and developed its own ethical statement
relating to consumer contacts.
The ACA ethics document provides corporate coverage of the major functions of a collection
agency. It addresses behavior as misconduct, for example, when federal and state laws are
recklessly disregarded, when deception and misrepresentation are the management norm, and
when harassment and prejudicial behavior abound in the workplace.
The Company’s ethics document holds the staff to a higher standard of scrupulous behavior in
the everyday tasks of collection communication. Specifically, the document sets an ethical
standard in every aspect of interaction with the public, including the appropriate care of written
correspondence, credit files, and telephone contact. In all cases, the document commands proper
representation by the employee and validation that communication is only with the particular
consumer.
Quality Assurance
The Company follows ACA’s Professional Practices Management System (“PPMS”) in all of the
Company’s activities. The Company was the first collection agency in the country to receive this
prestigious certification. The program is similar to ISO 9000; however, PPMS is specific to the
collection industry. The program requires all Company procedures be documented, followed, and
continuously improved. All client issues and third party disputes are tracked and resolved in a
systematic way, using process improvement methodologies. Management tracks any instances
of non-conformities and performs a root cause analysis on each and every one of them. The nonconformity cannot be closed until a thorough resolution is in place and tested. All open nonconformities and client issues are reviewed by the management team weekly.
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Quality Assurance (continued)
A client issue is a way for the Company to track any concerns reported either via a phone
conversation, digital communication or hand-written communication. When a complaint is
received from a client institution, the person receiving the complaint opens a client concern
through the Company’s PPMS Management Resources Center. As part of the concern, the
issuing person updates the following information: client name, client contact, client account
number (internal), phone, fax, date received, nature of concern, and action taken to contain
concern. Upon submittal the concern is issued a case number and immediate notification is sent
out to the CEO, President, Executive Vice President, Executive Vice President of Sales,
Compliance Officer and the person submitting the concern. The Company’s compliance officer
reviews the issue and assigns a member of management to take action in order to review, resolve
and determine what must be done to keep an issue similar to this from arising in the future. A
deadline is also given for response and resolution. Each time an update is made to the concern,
an email is again sent to those who originally received notification. Members of the PPMS
management team meet each Thursday at 10:00AM to review any open client issues and discuss
resolution. A client issue cannot be closed until the client is contacted and satisfied with the
resolution. This ensures 100% client satisfaction.
Non-conformity is an operational error or mistake that management finds in their processes or
procedures. Anyone in the Company can submit a non-conformity matter. Resolution of nonconformity matters submitted follow the same procedures as a client issue. Between 45 and 60
days after a non-conformity is closed, the Compliance Officer reviews the solution to ensure it is
still working.
The Company’s commitment to quality is a continuous process. The PPMS certification
program requires annual audits to maintain the Company’s certified status, along with
examinations of the Company’s performance. This process consists of verifying that all
Company procedures are being maintained and followed appropriately. The Company takes
their audits one step further by having an independent auditor come to their office, ensuring that
they have a fresh perspective from a neutral party with objective opinions. Since implementing
the PPMS program in May 2001, the Company has experienced record recovery months in
collections. This quality program assures clients that the Company is providing the best possible
service and results every day.
Physical Access Security
The Company’s office is located in a three-story building. The main exterior door remains open
during business hours but is equipped with a steel lock after-hours. The exterior of the building
is monitored by numerous cameras placed around the property. The main lobby is monitored by
video surveillance and the interior doors remain locked at all times and require an access card for
entry. In total, the Company has deployed in excess of 60 surveillance cameras and maintains
approximately three weeks of digital recordings at any point in time. All visitors must sign-in,
receive their assigned access card and be escorted by an employee beyond the main lobby.
Access cards are maintained and monitored by the Director of Technology Services with
permissions established by the members of the executive management team.
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Physical Access Security (continued)
Within the office, there are internal doors leading to various areas of the office such as the sales
floor, payment processing center, server room, etc. These doors are secure and can only be
accessed with an additional level of security assigned to an employee’s access card based on
his/her job designation.
The building is equipped with an alarm system that is activated during non-business hours and at
all times on the weekends. Generally, employees’ access to the building depends on their job
description and assigned shift hours. Certain members of management and select other
employees have the ability to enter the building during non-business hours. A record of all
access card usage activity is maintained, regardless of the time at which the access card is used,
and reviewed by Information Technology (“IT”) management quarterly.
The entire building features a fire protection sprinkler system. The server room is equipped with
a Halon Fire Suppression System. The server room is also equipped with an environmental
monitoring system that alerts IT management to power failures and unacceptable temperature
variances. Finally, the server room features its own separate alarm system to further protect IT
assets housed in the room.
Logical Security
Logical access is granted through the Director of Technology Services, who acts as the system
administrator. The system administrator receives authorization from the Human Resource
department after approval from the executive management team. Access to computing systems
is granted only to Company personnel as needed, by issuing user names through a lightweight
directory access protocol. The user ID is created based on the instructions of executive
management and the access level granted based on the responsibilities to which the individual is
assigned.
Logging into the Company’s network requires a positive login, using a user ID and password
combination. Network password restrictions are enabled for password strength, duration and
history. Users are required to change passwords on a regular basis. All of the Company’s other
systems also require a positive login including a user ID and password. Individual workstations
are programmed to auto- lock when idle for more than a set period of time, prompting employees
again for their passwords.
A client’s access is strictly limited to that client’s information. Only authorized client
representatives can receive a user name and password. As such, all client requests are deemed
legitimate when assigning the client a user name and password. Clients can upload account
information via the Company’s website.
Upon receipt of placement and/or support
documentation media, the information is scrutinized for any information that may appear to be
inaccurate or fraudulent. Any discrepancies are prioritized and researched until resolved.
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Relevant Aspects of the Internal Control Environment
Control Environment
Generally, the Company’s control environment represents the collective effect of various factors
on establishing and enhancing the effectiveness of specific controls. Such factors include the
following:







Organizational structure
Oversight by ownership and executive management
Management’s philosophy and operating style
Assignment of authority and responsibility
Commitment to competence
Human Resource policies and procedures
Integrity and ethical values
The control environment reflects the overall attitude, awareness, and actions of ownership,
executive management, employees and others concerning all other components of internal
controls and their emphasis within the organization.
Risk Assessment
Management routinely identifies, assesses, mitigates and monitors risk and examines the
enterprise risk universe to ensure focus on the risks that most threaten the corporate strategic
objectives. The enterprise risk universe focuses on a broad range of strategic, operational,
financial and compliance threats. The results of such assessments are reviewed with executive
management. The effectiveness of the risk assessment process is predicated on management’s
diverse and extensive industry experience, as well as the availability of reliable and timely
information obtained from both internal and external resources.
This process has identified risks resulting from the nature of the services provided by the
Company and management has implemented various measures designed to manage these risks:





Organizational and administrative
Physical security
Logical security
Privacy of information and maintenance
Business continuity and disaster recovery
Monitoring
The management and supervisory personnel of the Company monitor performance quality and
control operations as a normal part of their activities. The Company has implemented an
extensive management oversight role related to daily operations. An appropriate level of
management frequently reviews reports detailing the major transactions, and action is taken as
necessary. Processing variances are referred to higher level management for review as deemed
appropriate.
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Information and Communication
The Company’s executive management team is responsible for coordinating the Company’s
compliance efforts and has gone through a number of tasks to meet the various regulations that
are applicable to its business which include FDCPA, FCRA, GLBA, and RFR, as well as
regulations imposed by the United States Department of Education.
The Director and Associate Director of Technology Services maintain the integrity and privacy
of client information. Policies and procedures have been developed for each business process
and transaction. Employees are continually updated/trained on all aspects of regulatory
compliance. Compliance audits are conducted to ensure that all regulations and subsequent
policies and procedures have been implemented.
Management is closely involved in both the strategic and operational aspects of the Company.
The Company’s executive management team meets weekly to review and discuss any relevant
reports specific to each area of operations as well as any internal issues.
Management conducts frequent staff meetings and encourages open communication at all levels.
The Company has implemented a number of communication methods to ensure that all
employees understand their roles and responsibilities over transaction processing controls and to
ensure that significant events are communicated to an appropriate level of management in a
timely manner. These methods include formal training for new employees and the use of written
policies and procedures.
The Company has implemented various methods of communication to ensure that clients
understand the roles and responsibilities in processing transactions and to ensure that significant
changes are communicated to clients in a timely manner.
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Description of Collection Processing and Operations
The Company receives electronic business from all data types and it encourages electronic data
to be transferred securely through its web site or by dedicated file transfer protocol (“FTP”). The
process provides flexibility to reformat data if needed and all FTP transmissions are made over a
secure sockets layer (“SSL”) connection for security.
Accounts received by the Company are immediately placed for collection. The accounts are
reviewed for proper placement amount as prescribed by the contract and applicable state and
federal laws. Upon placement on the Company’s system, the accounts are sent directly to batch
processing and the following procedures occur:







Accounts are cross-referenced to all existing files
Credit bureau reporting is established, if authorized
Validation of debt notice is generated and mailed to establish contact with the
consumer
Address on file is compared to the United States Postal Service National Change of
Address (“NCOA”) database
Any variation of the existing address is downloaded and the Company’s database is
updated
An electronic batch file is submitted to CR Software, Inc. and any phone numbers
obtained are updated in the Company’s database
An Acknowledgment Report is generated and sent to the lending institution
The Company’s primary application used in the collection process is CRS, which is maintained
by CR Software, Inc. As such, the Company has no access to the application’s source code, with
all application modifications implemented by the third party vendor, and is subject to controls
established within CRS by CR Software, Inc.
The Company’s account representatives have a designated collection unit that is incorporated
within CRS. Each unit has a pre-set number of accounts that can be maintained for that account
representative. Current account size per unit ranges from 569 to 860 with an average of 700
accounts per account representative.
CRS has been programmed to search and transfer a new placement to any collection unit that is
in need of additional accounts. Account representatives are trained to collect both Federal
Perkins and institutional student receivables and, accordingly, there is no discrimination of
account placement based on debt type or balance.
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Upon placement, accounts are classified as “Account Activation” in CRS and remain in this
classification for the first 60 days or until successful contact is made with the consumer.
Accounts in this classification are required to be worked daily for the first three days and then
every seven days thereafter until the account is 60 days old or a successful arrangement has been
made with the consumer. Steps during this period include calling all available numbers (home,
place of employment, cell, co-maker, neighbor, parent, reference, relative, etc.) as well as
thorough skip tracing through Accurint, Insight, credit bureaus, MySpace, PIPL.com, and other
internet skip tracing sights.
The Company’s account representatives maintain ownership of new placements for 150 days
from the date of placement. Ownership of accounts beyond the 150 days of placement will be
maintained only if the account has an on-going payment arrangement, post-date series,
consolidation, promise to pay, or a payment within the last 60 days. Any account not meeting
the criteria will be transferred from the original unit on the 151st day, placed in a pooled
collection unit, and then placed with another account representative utilizing an auto-assign
process in CRS. The “2nd effort” account representative (commission rate does not change for
the client) will have 120 days to successfully place the account into repayment. Any account not
in repayment or in the process of successful collections after 271 days will be reviewed for final
resolution and sent to “Final Effort” account representatives or the Company’s legal department.
The Company’s goal is to achieve collection success within the guidelines of the Fair Debt
Collections Practices Act. The Company’s first collection attempt is always to collect the
balance in full. If this is not possible, payments are then established in accordance with the
consumer’s ability to repay the debt. These payment forms are established by the account
representative in CRS after consent is provided by the consumer. CRS then processes these
payments on the schedule input by the account representative and specified by the consumer.
The account representative explains to the consumer that this may be temporary and a reevaluation will be done in six months to reassess the consumer’s ability to pay. At that time, the
payment arrangements may be increased or the consumer may be asked to pay in full. Typically,
this process is done after a financial analysis review.
Collections are reconciled to the Company’s cash journals on a daily basis to ensure that all
collections were processed and completed. Any errors occurring during payment processing,
such as non-sufficient funds transactions, are forwarded by CRS to the Company’s client support
department for resolution.
The Company outsources all client reporting and monitoring to CR Software, Inc., which hosts
the CRS Navigate (“Navigate”) system. Data from collection processing performed by the
Company in CRS and utilized in reporting and monitoring is tunneled through Navigate. The
Company’s website provides a gateway to Navigate for clients of the Company to view and
retrieve statements and reports related to loans the client placed with the Company for collection.
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242
The Company’s invoicing system is designed to be flexible in order to accommodate the
requirements of the Company’s clients. Although the majority of the Company’s clients request
statements and invoices at the end of each month, Navigate has the ability to provide statements
and/or invoices on demand, weekly, bi-monthly, and monthly. Statements and reports are made
available to clients via Navigate at the time frequency desired by the client. An email notification
is sent to client contacts upon upload of statements and/or reports in Navigate. The Company
has the ability to remit funds collected to its clients via automated clearing house (“ACH”),
electronic funds transfer (“EFT”), or paper check. Depending upon the client’s requirement, the
Company has the ability to produce statements as follows:



Net statements – the Company withholds the commission due and forwards the
difference to the client
Gross statements – the Company forwards the total amount of dollars collected and
bills the client for the commission due
Mixed statements – the Company withholds the commission due for payments
received and bills the institution for commissions due on payments received by the
client and/or the billing servicer.
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Description of Information Systems Environment
The proper and consistent functioning of collection processing automated application controls,
interfaces, and automated accounting procedures is linked to the effectiveness of the underlying
IT general controls. Information technology general controls also support the consistent
generation of system-generated data and reports used in key manual controls and include
controls over information security and change management.
The physical controls implemented by the Company related to its server environment are
established to prevent unauthorized access to its interior and contents. Controls consist of
alarms, surveillance cameras, card access readers, locks, and security policies and procedures.
Access to the Company’s server environment is granted in accordance with the Company’s
corporate security policy. Further, the server environment is monitored for temperature and
humidity fluctuations and is equipped with a fire suppression system.
The Company’s server environment is operated as a “private cloud” model utilizing the latest in
server and storage virtualization technologies. In 2012, the environment was upgraded to run on
Cisco Unified Computing System (UCS) blade servers. Data is stored on the latest storage
technology from EMC Corporation, referred to as VNX 5500. VNX Systems are highperforming primary-storage devices for file and block data.
The Company operates VMware vSphere ESXi in two different clusters of physical servers.
Dozens of virtual servers run on each physical hypervisor in the server cluster. Virtual desktop
infrastructure (VDI) from VMware View is also utilized to provide flexibility, security, and
scalability to the user-computing environment.
The Company hosts the CRS application in its server environment, with the host server utilizing
a Linux operating system for added security and stability and all related data encrypted at the
disk level. The system is backed up nightly to the local backup system and incremental changes
to the data on the CRS system are copied live to the Company’s disaster recovery site at
Immedion in Greenville, SC.
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244
User account passwords/pass phrases for all applications are maintained by the Company and
stored in an encrypted format. Confidential data on virtual servers, server mirrors, and backups
is fully encrypted. Daily logs are created and archived of all FTP connection attempts,
successful or otherwise, in to the Company’s system. The Company’s FTP servers create new
blank logs at midnight every day and archive the previous days log by date. The Company
utilizes SonicWALL Network Security Appliance (NSA) 3500, which performs full packet
inspection and traffic monitoring. If the Company’s firewall alerts it to potential attack behavior,
the IT department will review the activity for that period. TrendMicro OfficeScan (utilized for
desktops) and TrendMicro Deep Security (utilized for virtual systems) are deployed on all
computers in the facility that cannot be disabled by the user.
The Company has deployed standard security practices within its organization to protect its
equipment within the facility as well as replicators stored off-site at Immedion. All data servers
are encrypted using dm-crypt encryption device mapping. The systems are kept up to date with
the latest software and patches available. The Company’s firewall/security device is subscribed
to an automated updating system for threat protection and firmware releases are applied to
security devices and routers as soon as they are issued in their final release.
All areas within the Company’s collection system that permit opportunities for change also
create an audit log to track the user that made the change as well as a description of the change
and the date that the change was made. Each account is permanently recorded in the Company’s
master files and can be reopened in the event a client decides to return the account to the
Company for collection. The Company’s fully automated system gives it the online capability to
monitor all activities of its entire staff, including calls, letters, broken promises, time of day,
duration of calls, etc.
Audit log reports include:
•
•
•
•
•
•
•
•
•
Activities performed within a specific collection unit
Activities performed by support staff via their user identification
Activities sorted by time sequence
Activities sorted by account names
Activities sorted by master record (internal account number)
Activities sorted by type of change, including such things as address changes, status code
changes, and letters
Clerk cash journals (separates all postings of payments and adjustments by user)
New account checklists, which list all accounts added to the system for a specific time
Any changes to client master files
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245
Description of Control Objectives and Specified Descriptions of Controls
Control Objective 1: Controls provide reasonable assurance that senior management provides
planning and oversight of the organization's objectives.
Specified Description of Controls
a) Executive Management meets every week to discuss operations.
b) Executive Management actively reviews company key performance indicators through
regular internal management reporting.
c) The Company's collection operations are organized into three departments as follows: campus
based, which includes loans from traditional colleges and universities, alternative loans, which
includes loans from for-profit financial institutions, and high volume, which includes loans with
balances less than $800. Executive Management and department managers (or team leaders)
meet every week to discuss operations relative to their respective division.
Control Objective 2: Controls provide reasonable assurance that job responsibilities are clearly
defined and segregation of duties between employees and strategic business units is maintained
(in particular, those employees whose duties entail cash management).
a) The Company maintains complete separation of responsibility in a number of operating areas,
including information technology and accounting.
b) Formal job descriptions detailing job functions and responsibilities have been documented
and implemented for each position within the Company.
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246
Control Objective 3: Controls provide reasonable assurance that the Company maintains formal
hiring practices designed to ensure that new employees are qualified for their job responsibilities
and have passed a criminal background check (in particular, those employees whose duties
entail cash management).
a) The human resources and department managers identify qualified candidates for departmental
positions.
b) Executive Management reviews and approves each department’s new hires. The CEO
provides final approval.
c) Prospective employees must have education and experience appropriate for the position’s
requirements.
d) All new employees are subject to background and reference checks. Background checks are
performed on employees after offer and acceptance of employment. Employment may be
terminated based upon information contained within the report.
e) All employees receive an employee handbook and sign an acknowledgment form indicating
they have received and reviewed the employee handbook.
f) All employees are required to attend orientation and training on the first day of work or
employment that includes, but is not limited to: review of the employee handbook, policies and
procedures, and IT security/protocol.
g) Review, understanding and testing of the Fair Debt Collection Practices Act ("FDCPA") is
required of all employees within the first week of employment.
h) All new employees are required to read and sign the following terms:
i) Employee Pledge
ii) Protection of Financial Data and Processes
iii) Statement of Company Policy in Connection with Consumer Contacts
iv) Telephone Monitoring Notification
Control Objective 4: Controls provide reasonable assurance that an employee's access to the
Company's resources is revoked upon their termination (cards are deactivated and returned to
the Company upon employee termination).
a) Human resources manager is responsible for collecting security access cards from all
terminated employees during the exit interview.
b) A terminated employee checklist is used to ensure that all system and security access is
deactivated immediately upon termination. Access to email, the network, and all applications
are immediately terminated.
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247
Control Objective 5: Controls provide reasonable assurance that the development and
implementation of new applications and changes made to existing applications are authorized,
prioritized, tested, documented, and approved prior to migration to production.
a) Maintenance on software and equipment is performed periodically, or as deemed necessary by
IT management.
b) For all non-base programs, the Company tests applications and code via test server and test
data path prior to migration to production.
Control Objective 6: Controls provide reasonable assurance that the policies and procedures,
both new and revised, require formal review and approval by senior management before
implementation.
a) All new and revised policies and procedures are approved through Professional Practices
Management System (PPMS) process, Element 4 – Document and Data Control.
b) All policies and procedures are reviewed and revised as necessary, made accessible to all
employees, and obsolete documents are removed to prohibit future use or reference by
employees.
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248
Control Objective 7: Controls provide reasonable assurance that only valid data (including
client data) is entered into the system and is supported by appropriate documentation and
authorization.
a) Upon receipt of placement and/or support documentation media (electronic or non-electronic)
that includes such identifying information as parent (or relative) information, debt documents
including account ledgers, promissory notes, and/or any other personal identifying information
is scrutinized for any information that may appear to be inaccurate and/or fraudulent.
b) Any information appearing to be inaccurate and/or fraudulent is brought to the attention of
the client for verification.
c) If the appropriate client personnel is unable to obtain satisfactory verification of identifying
information, the media (account record) is recorded and submitted to the department manager or
compliance officer.
d) All data received is imaged and attached to the account's permanent record. The original data
is then destroyed. The Company has locked shredding stations throughout the office.
e) All client requests are deemed legitimate when assigning user name and password. Only
authorized client representatives can receive a user name and password.
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249
Control Objective 8: Controls provide reasonable assurance that management's requirements for
information systems security and control are clearly defined in documented security policies and
procedures (that are readily accessible to all employees). Controls provide reasonable assurance
that updates to policies and procedures are performed in a controlled environment that includes
approvals and version controls.
a) Written computer and software usage policies have been developed and communicated to
employees.
b) All employees receive data security and privacy training during their first week of
employment.
Control Objective 9: Controls provide reasonable assurance that logical access to computer
systems and data is restricted to authorized users (both employees and debtors).
a) Access to computing systems is granted only to company personnel as needed by issuing user
name and passwords through a lightweight directory access protocol (LDAP).
b) Passwords expire every sixty (60) days and the users are required to change the password.
c) Passwords must meet complexity requirements of eight (8) or more alpha numeric characters
that are non-dictionary.
d) Passwords are masked on the computer screen.
e) Individual workstations are set to auto lock when idle for more than five minutes, reprompting employees for their passwords.
f) Daily logs of all FTP connection attempts are created, reviewed, and archived. The daily logs
are reviewed by the Director of IT.
g) Applications require two positive ID sign-ons (Windows sign-on and a separate sign-on to the
collection software system).
h) User account passwords are encrypted using AES-256.
i) Live data on servers, server mirrors, and backups are fully encrypted.
j) Client access is limited to only client account information.
23
250
Control Objective 10: Controls provide reasonable assurance that physical access to the
Company's premises, data center, network related equipment, storage media, IT suites, and
accounting suites is monitored and restricted to authorized personnel.
a) The Company is located in a single three-story building. There are two entrances to the
building, each secured with steel locks.
b) All stairways have a fireproof door that can be secured from the inside.
c) The general lobby area has a camera to monitor any non-employee activity.
d) The Company has 60+ surveillance cameras located throughout the building, both on the
inside and outside.
e) The building is secured by an alarm system that is connected directly to an alarm monitoring
service.
f) The Company utilizes a card access system for the building, office, payment processing,
collection floor, and systems areas. All badges contain the employees' photos.
g) Security levels are determined by management hierarchy which details the level of access.
h) Areas with restricted access, such as payment processing and system areas, use industry
controls; including logged restricted badge access and video surveillance covering room
entrances.
i) Company houses its servers and software in a secure environment, the “Server Room", which
is accessible only by authorized personnel and secured by a separate alarm system.
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251
Control Objective 11: Controls provide reasonable assurance that environmental devices are
installed to protect the data center, network equipment, and storage media.
a) Networks are managed and controlled, in order to be protected from threats, and to maintain
security for the systems and applications using the network, including information in transit.
b) Changes to the firewall are approved and tested by the network administrator.
c) Anti-virus software is installed on all systems commonly affected by malicious software
(particularly personal computers and servers).
d) Anti-virus programs are capable of detecting, removing, and protecting against all known
types of malicious software.
e) Emails and/or logs generated by network monitoring software are reviewed daily by the
network administrator.
f) Server room is equipped with Halon Fire Suppression System.
g) Server room is equipped with an environmental monitoring system that alerts IT management
to power failures and temperatures outside of an accepted range.
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252
Control Objective 12: Controls provide reasonable assurance that backup and recovery
procedures are in place to ensure the continuity of operations and preserve the integrity of
programs and data in the event of business interruptions or disaster and that such procedures are
adequately documented and tested.
a) Incremental backups are run daily and full backups are run weekly. If a backup fails, an error
message is generated for the network administrator. Backups are stored on the storage area
network.
b) Critical data is replicated live off-site utilizing a secure private tunnel to the Immedion data
facility in Greenville, SC.
c) Backups are periodically tested at random to ensure they are recoverable.
d) A listing of all employees and contact information is kept for immediate notification of a
disaster. A website is also kept to provide updates.
e) The Business Continuity/Disaster Recovery Master Plan is updated by IT as needed and
approved through PPMS. Copies of the plan are kept electronically offsite in a secure location.
f) The Company has contracted with an outside vendor to provide custom recovery solutions
such as mobile offices, generators, computers, servers, printers, and satellite connectivity within
48 hours of the disaster.
Control Objective 13: Controls provide reasonable assurance that mission critical applications
are appropriately backed-up in a secure offsite storage facility.
a) An off-site presence has been established at the Immedion data facility in Greenville, SC.
b) The data facility is visited periodically (unannounced) by a company IT staff member to
inspect equipment and the physical access controls of the facility.
c) Servers are brought online in a segregated environment monthly for testing.
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253
Section IV - Complementary User Entity Controls
The examination was limited to the activities and procedures at the Company as they relate to its
user entities. Accordingly, the examination did not extend to any activities or procedures in
effect at the user entities. It is each user auditor’s responsibility to evaluate this information in
relation to a user entity’s internal controls in place in order to obtain an understanding of the
internal controls and assess control risk. The portions of the internal controls provided by the
user entities and the Company must be evaluated together. If effective user internal controls are
not in place, the Company’s controls may not compensate for such weaknesses.
This section describes additional internal controls that should be in operation at user entities to
complement the controls of Williams and Fudge, Inc. User entity auditors should determine
whether the following controls have been placed in operation at the user entities:

Controls should be established to ensure that all documentation provided by Williams
and Fudge, Inc. is updated and remains current.

Controls should be established to ensure that all data sent to Williams and Fudge, Inc.
is authorized, complete and accurate, and submitted in a timely manner and back up
and/or retention requirements are communicated to Williams and Fudge, Inc. by user
management.

Controls should be established to ensure that all required output is received from
Williams and Fudge, Inc., reviewed and/or reconciled for completeness and accuracy
in a timely manner.

Controls should be established to ensure that the information maintained by Williams
and Fudge, Inc. matches the information maintained by the user.

Controls should be established to ensure the continued accuracy of receivables data
provided to Williams and Fudge, Inc.

Controls should be established to ensure that all errors forwarded to the user entity are
appropriately resolved.

Controls should be established to ensure that user entity management protects their
systems by implementing appropriate security controls.

Controls should be established by the user entity to ensure that only authorized
personnel are granted access to Williams and Fudge, Inc.’s information systems and
that this access is reflective of their responsibilities.

Controls should be established to ensure that Williams and Fudge, Inc. is notified
when a user entity employee with access to Williams and Fudge, Inc. systems is
terminated, transferred, or no longer requires access.
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254
The list of complementary user entity control considerations presented above should not be
regarded as a comprehensive list of all controls that should be employed by user entities. There
may be additional controls that would be appropriate for the processing of user entity
transactions that are not identified in this report.
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255
Section V – Other Information Provided by Independent Service Auditor
Purpose and Objectives of the Report
This report is intended to provide users of the Company with information about controls at the
Company that may affect the processing of transactions. This report, when combined with an
understanding and assessment of the internal controls at user entities, is intended to assist the
user auditor in (1) planning the audit of the user’s financial statements, and (2) assessing control
risk for assertions in the user’s financial statements that may be affected by controls at the
Company.
Our examination of the Company’s controls was restricted to the control objectives and the
related controls specified in Section III by the Company’s management and were not extended to
procedures described elsewhere in this report but not listed, or to procedures that may be in
effect at the user entity. It is each user auditor’s responsibility to evaluate this information in
relation to the controls in place at each user entity. If certain complementary controls are not in
place at the user entity, the Company’s controls may not compensate for such weaknesses.
Our examination included interviews with key personnel, review of available documentation and
observation of certain control procedures surrounding and provided by the Company.
The description of the system is the responsibility of the Company’s management. It has been
prepared taking into consideration the guidance contained in American Institute of Certified
Public Accountants Statement on Standards for Attestation Engagements No. 16, “Reporting on
Controls at a Service Organization”.
This report was designed to cover the large majority of the Company’s clients. Therefore, it
focuses on those processes and controls applicable to the common processes supported by the
Company. Any unique client situations or processes not described in the report are outside the
scope of this report.
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placements and access to the debtors file inclusive of Perkins loans. The agency will provide
Longwood with User IDs and passwords to utilize their web-based sites.
4.
Reference Page 6, Section II. STATEMENT OF NEEDS, Subsection A. Performance Requirements, Paragraph
21: Can you please describe the frequency/timing, strategy and methodology behind the rotation of
accounts between agencies?
Response: Our contract states an account be returned to Longwood after one year of inactivity. Each
agency may return accounts on a monthly basis if that account has cycled a year with no activity. When
we receive the Close & Return reports each month, we then move those accounts to another agency.
5.
Reference Page 6, Section II. STATEMENT OF NEEDS, Subsection A. Performance Requirements, Paragraph
22.: (1) What current contingency fees or other fees are currently being billed by each incumbent, by
category or type of account? (2) Which incumbents are currently working the ‘Primary Placements’ and
which are working any ‘Secondary Placements’?
Response:
(1)
(2)
Our current agencies charge the same rate for all types of debt regardless of amount, placement
or category with TBL, ICR, and W&F at 23% and ERS at 21%.
TBL typically works our first placements with the other agencies working secondary placements.
However, each agency inclusive of TBL has aged accounts due to the rotation of accounts.
6.
Reference Page 6, Section III. PROPOSAL PREPARATION AND SUBMISSION REQUIREMENTS, Subsection A.
nd
PROPOSAL PREPARATION:, Paragraph 1. RFP Response:, 2 Sentence: is changed to read One (1) original and
five (5) copies of each proposal must be submitted to the issuing agency.
7.
Reference Page 8, Section IV. EVALUATION AND AWARD CRITERIA, Paragraph A. Evaluation Criteria, Small
Business Subcontracting Plan: (1) Can Longwood University please provide any internal policies or
preferences regarding the Small Business Subcontracting Plan? (2) Does Longwood University have a local
directory of approved Business Enterprises that are preferred or required to work with or can we use the
Virginia Department of Minority Business Enterprise (DMBE) online database to work with
approved/preferred Small Business Subcontractors?
Response:
(1)
(2)
8.
Longwood University’s SWaM initiative is in compliance with Executive Order 33, signed into law
on August 10, 2006 by then Governor Timothy M. Kaine.
Longwood does not have a preferred list of DMBE-certified SWaM businesses. Offeror’s are
encouraged to use DMBE’s online database to identify SWaM businesses with whom they can
offer subcontracting opportunities to.
Reference Page 9, Section V. COMMUNICATIONS, Paragraph Revisions/Additions to RFP: is changed to read,
Revisions or additions to this Request for Proposal (RFP) shall be at the sole discretion of Longwood
University. In the event it becomes necessary to revise any part of this RFP, revisions will be made by an
addendum to the RFP and published on the eVA website and the University’s Materiel Management website.
Page | 2
President
November 1, 2013

Publication3 - Longwood University

Transcription

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