Ranger Financial Services - Innovative recovery solutions

COLLECTION METHODS

Regardless of the size of a placement, our methods do not vary. Our
aim is to maximize recovery for our clients. We accept single as well
as bulk placements and can accept placements via the internet,
facsimile, US mail, or through a customized bridge from your computer
system to ours. These programs are available for domestically located
debtors, as well as, those debtors located outside of the united
States.

About Ranger Financial Services

While we are a Texas company located in the heart of Dallas, Ranger
Financial has a national presence with in-field Collectors and
investigators nationwide. Smaller local agencies have little or no
access to the full range and depth of resources this powerful agency
can command. And, no other agency can produce the immediate
psychological impact of a visit by a Ranger Financial in-field
investigator.

About Ranger Financial Services

This
will be a challenging year for commercial debt with the economy
starting the year 13 months into what may become the longest recession
since the 1930s, says financial forecasters.

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Temporal method

A currency translation method under which the choice of exchange
rate depends on the underlying method of valuation. Assets and
liabilities valued at historical cost (marketcost) are translated at
the historical (current market) rate.

Capital gain

When a stock is sold for a profit, the capital gain is the
difference between the net sales price of the securities and their
netcost, or original basis. If a stock is sold below cost, the
difference is a capital loss.

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Warranty

A guarantee by a seller to a buyer that if a product requires
repair or remedy of a problem within a certain period after its
purchase, the seller will repair the problem at no cost to the buyer.

Forward foreign exchange contract

Agreement that obligates an investor to deliver a specified
quantity of one currency in return for a specified amount of another
currency.

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Level pay

Scheduling principal and interest payments (P&I) due under a
mortgage so that total monthly payment of P&I is the same.
Different from the typical mortgage for which the principal payment
component of the monthly payment becomes gradually greater while the
monthly interest component shrinks.

Total return

In performance measurement, the actual rate of return realized over
some evaluation period. In fixed income analysis, the potential return
that considers all three sources of return (coupon interest, interest
on coupon interest, and any capital gain/loss) over some investment
horizon.

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