In order to reinforce our commitment to professionalism, each employee must be familiar with our statement of employee conduct and must, upon commencement of their employment, sign a document binding them to adhere to its policies. The employee code of conduct is called the F.D.R. Work Smart Policy and is outlined on the following page for your convenience.

FDR WORK SMART

In order to provide the highest recoveries for our clients, with a fair profit to our company-

Working Smart means working with the client and the customer on an everyday basis in a totally open and honest manner, creating a "win-win" relationship.

Working Smart means communicating with the customer in a positive manner to encourage a willingness to pay without litigation

Working Smart means negotiating with customers using solution skills

Working Smart means avoiding complaints, removing the time drain from client and our daily collection efforts - time is money! By adopting a zero tolerance with respect to unnecessary complaints, not only are public relations enhanced, but a financial benefit is realized for both our valued clients and our company