1. RecordNow! - This Product allows you to record telephone calls. It is great for: Verification Calls - Record verification calls when it involves large dollars, significant concentrations, or invoices with offset potential. Has been used by Factors to recoup money from debtors when the say "OK" but later refuse to pay! Notification Calls - Same scenario as above. Workout Calls - When confronting your Client regarding a problem in the account, they always seem to say one thing on the phone and another thing in court. Remove the doubt - Record the Call! This simple device plugs into any Windows based PC and any telephone 'with a cord' (sorry, no cordless). It is only $249 per unit (plus shipping & handling) and can be purchased via our Website at www.FactorHelp.com and click on the "Phone Call Recording" area in the list of Products. 2. Personal & Business Credit Reports Coming next month, access Credit Reports through FactorHelp.com cheaper than you can buy direct! INSTRUCTORS: Thomas G. Siska, Managing Director, FactorHelp, Inc. & Peter Aransky, Senior Vice President, The Hamilton Group "It was extremely valuable. Highly informative, very practical." "Great program. Learned a lot from it." "Complete and comprehensive program. A rewarding experience for both new and seasoned factors!" "This program and the way it was presented was never boring! Even with getting in very late and the time difference, it was interesting and you kept it moving. Sharing your experience was interesting." "I thought this was excellent. I would like to see this offered again so that I can send additional staff (not sales) for buy into marketing goals." "I enjoyed their passion and energy, in addition to the stories of their experience. They are thoughtful and contemplative - which helps their message be succinct and organized. I enjoyed it much! Thanks!" The mood was slightly more upbeat than the 2003 Conference. The "consolidation wave" continues to sweep through the Finance Industry. The general consensus was that 2005 will be a better year for new business opportunities as the economy continues to improve. However, competition will continue to be fierce. The Conference itself was more focused towards the Big Banks and Large Diversified Financial Institutions with less emphasis on Small Independent Firms and Factors in general. The new Constitution Memorial Building in Philadelphia was the scene for the Opening Reception. If you ever pass through Philly, this is a "must see"! - Thomas G. Siska Don't Forget: IFA - International Factoring Association's 11th Annual Conference in Vancouver, British Columbia, Canada - March 16-19, 2005 - www.factoringconference.com In the Spirit of the Season, I would like to take this moment to wish all of our Readers a HAPPY & SAFE Holiday Season! May the New Year bring you more success and even more happiness! May we find the World more Peaceful in 2005 as well. And… While there is little we, as individuals, can do to help our brave men & women in the military as they fight for Peace around the world and especially in the Middle East other than pray for them, we can do things right here at home for people we meet everyday who have battles of their own to fight. So this Holiday Season and throughout the New Year, Help a Friend. Help a Stranger. Spread some Love. We are not completely helpless to make a difference. Start small. Dream big. Live Peace every day. Happy Holidays! Thomas G. Siska Managing Director FactorHelp, Inc. www.FactorHelp.com