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July 2008
I have known and worked with Carol for over 6 years while she served as EVP for her prior company. We also work together on the ABD committee for ACA International. Our respective companies purchased charged off receivable portfolios together and resolved those portfolios through balance transfer programs. Carol and I worked together on the operations side including portfolio segmentation, reporting and the training of the account agents. We worked together on the development of the ABD Fall Forums and the ABD Executive Summit in Washington as well as several publications currently available through ACA. In our continuing relationship I find Carol to be thorough and consistent in her work effort with exceptional standards and expectations. She is reliable and on-time in product delivery. She listens well and is responsive to individual needs. I would not hesitate in recommending her in her new role as an industry consultant.

Michael Philippe, President & CEO
Card Acquisition LLC

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July 2008

It is with pleasure I present the qualifications and recommendation of Carol Freeland to you.
I am the retired President and owner of a Research / Due Diligence company retained to perform investment services for FSX where Ms. Freeland was employed as Executive Vice President of Marketing and Operations.
On numerous occasions I worked with Ms. Freeland preparing investment research for broker dealers and financial planners. Ms. Freeland has proven over and over again her ability to grasp concepts and solutions to complex business situations.
It is my professional opinion that Ms. Freeland has the ability to present, teach and direct people in the business environment, giving them the confidence needed to perform their individual functions.
Ms. Freeland also is an excellent talent for presenting to groups of professionals (both novice and “post-grads”) in a manner where the time spent with her is an enjoyable and effective learning experience. This (I promise you), is a rare trait.

Raymond Nickisher

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August 2008
To Whom It May Concern:

I have known Carol for over 20 years and have had the opportunity to work with her in a variety of situations in my capacity as a consultant, financial officer and trustee. During each of the engagements that I have been associated with Carol, she has demonstrated outstanding team building skills, an ability to assess strengths and weaknesses of staff and the capacity to relate to staff at all levels.

In my role as trustee, Carol was the point person in challenging investments and demonstrated honesty, integrity and thoroughness in providing information necessary for me to perform my duties. She maintained detailed and complete records for thousands of investors and was always able to provide data when needed.

Carol has outstanding training, communication and organizational skills that will provide value to any organization she becomes associated with.

Robert Schleizer
Tatum Partners LLC