MAS - The CBE Group, Inc. - 47QRAA24D0062

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GENERAL SERVICES ADMINISTRATION

Federal Acquisition Service

Authorized Federal Supply Schedule FSS Price List

On-line access to contract ordering information, terms and conditions, pricing, and the option to create an electronic delivery order are available through GSA Advantage!®. The website for GSA

Advantage!® is: https://www.GSAAdvantage.gov.

Multiple Award Schedule

FSC Group: Professional Services

Contract number: 47QRAA24D0062

Contract Period: March 29, 2024 – March 28, 2029

The CBE Group, Inc 1309 Technology Parkway

Cedar Falls, IA 50613 Telephone: (800) 925-6686 www.cbecompanies.com

Contract Administrator: Kathy Christensen

Kathy.Christensen@cbecompanies.com

Business size: Large/Other than Small Business

For more information on ordering, go to the following website: https://www.gsa.gov/schedules

Price list current as of Modification #PO-0001 effective 3/29/2024

Prices Shown Herein are Net (discount deducted)

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TABLE OF CONTENTS

Company Overview 3

Services Overview 6

Customer Information 7

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COMPANY OVERVIEW

Focused on Solutions and Performance The CBE Group, Inc. (CBE) is a privately owned company founded in 1933. With expertise spanning over seven decades of reliable, strong performance in both the public and private sectors, CBE serves the specialized recovery needs of over 500 clients across the nation.

At CBE, we differentiate ourselves from the competition through our daily ethical practices, embracing our workforce talents, investing in technology and protecting our clients’ reputations. Our collection associates are dedicated solely to working in the name of each client’s facility, protecting each one’s outstanding reputation by providing exceptional customer service. In addition, performance levels are actually enhanced by our ethical practices. You can always count on CBE to provide exceptional net back recoveries.

CBE’s Innovative Commitment to Defining the Future of Debt Collection® At CBE, we are not afraid to stand out from the crowd, especially when it is the right thing to do. We are industry leaders using innovative technology and advanced analytical resources to exceed our clients’ needs.

Engrained into our culture is a commitment in Defining the future of debt collection. In fact, our internal rallying cry is “the future of debt collection starts with ME” – something that drives our workforce to take personal actions that have a positive impact on CBE’s commitment to the future.

Extensive Qualifications and Experience

CBE provides comprehensive, nationwide debt collection services on behalf of clients in a variety of industries with diverse debt types. Our client list includes:

State and local government agencies Colleges and Universities Federal guaranteed student loan agencies Healthcare organizations Bankcard and Financial services organizations Satellite and telecommunication companies Utilities (gas and electric Our broad experience and client base strategically position CBE to provide top-rated service to federal agencies.

Our broad experience and client base strategically position CBE to provide top-rated service to federal agencies.

CBE is Financially Strong through Diversity By diversifying our client base, CBE is able to stay financially strong during nationwide fluctuations within each industry served. Whether through changes in policy or regulations directly designed for a specific industry, or through a general economic downturn, CBE’s business model is designed to guard against fluctuations that could be crippling to agencies dedicated to specific industries. Our clients can count on CBE to be there when needed.

Capacity & Scalability Ensure Success CBE’s account referrals have climbed steadily each year, reflecting our clients’ confidence in our ability to grow with their needs. Our ability to scale up operational systems, facilities, and personnel to handle high-volume, competitive collection contracts signals our ability to provide top-rated services to the federal government.

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Competition Sharpens Performance

CBE operates in several highly competitive performance-based contracts, administered by some of the largest creditors and educational institutions in the nation, where we are a top-ranked agency. Our managers are accustomed to exceeding clients’ performance standards, being monitored and measured frequently, and working in competitive environments—which directly affects future placement volumes and personal incentive compensation. CBE closely monitors and adjusts strategies as necessary, ensuring top performance in head-to-head competition with other top-rated collection firms.

Advanced Analytical Resources While many agencies promote analysis of data, trends and strategy, CBE’s tangible, daily application of resources enable us to enhance strategies for each client. Our Analytic Solutions Group, which includes several statisticians and actuarial professionals, uses effective, proven analytical tools that enable us to analyze our workforce’s performance and productivity so that we are continuously enhancing our outcomes and correcting inefficiencies in our processes. In addition, our analytic capabilities also enable us to provide useful feedback to our clients regarding its customer-base and the account statistics associated with it, further strengthening the win-win business approach that forms the foundation of client-focused relationships.

SAS Software Enhances Account Scoring and Segmentation CBE’s superior collection results are driven by proprietary models and work efforts customized to each client's portfolio. CBE’s investment in SAS software assists in creating sophisticated models that allow us to predict a variety of future consumer behaviors using multiple consumer characteristics. Unique models have been developed that are specific to different account types in each of the horizontal divisions enabling specialized work efforts in those areas. CBE’s proprietary scoring models are instrumental in our ability to use strategic plans designed to maximize work efforts and deliver optimal performance for our clients.

Whereas many collection firms may use scoring to identify which accounts may be warehoused and not pursued for collection, CBE’s scoring approach is focused on working every account in the most appropriate manner. We use scoring and analytics tools to help determine the work efforts we perform and identify attributes that help our associates use proper emphasis when speaking with customers.

Extreme Security Measures Protect our Clients and their Customers

CBE ensures that a high level of security is employed throughout each phase in the collection process.

Both physical and data security measures are in place, as well as the internal controls to ensure they are strictly enforced.

CBE has a proven, tested physical security plan in place at our debt collection facilities and data warehouse. We operate entirely in secure, alarmed facilities monitored 24/7 by a central station. Security features include, camera monitoring, access-controlled badges, proximity readers, and audible and monitored door contacts.

All data in CBE's system are protected by layered security measures that are evaluated favorably against ISO 27002 standards. Our systems are self-contained and proprietary, giving us the ability to maintain tight control on security which minimizes the possibility of “hackers” and unauthorized CBE personnel accessing private account data.

CBE completed the SSAE 16 assessment for the current reporting period. CBE is also Level 1 PCI certified which is just one more step we take to protect our client’s and their customer’s information.

Commitment to Compliance

CBE is fully compliant with all applicable local, state, and federal laws, including the Fair Debt Collections Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), and privacy laws. We maintain an aggressive quality management and compliance program. Our Administrative Compliance Officer, Manager of Recovery Compliance, and dedicated Training Department ensure compliance throughout the organization.

To ensure our continued understanding of applicable rules and requirements, CBE maintains active membership in ACA International and participates in industry-specific associations and events.

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Voice Analytics Boosts Compliance and Performance

CBE is taking its 100% call recording to the next level by monitoring and systematically analyzing each and every call for quality assurance and compliance with documented standards. In an industry that historically monitors fewer than five percent of all calls, our implementation of CallMiner speech analytics software enables CBE to take great strides toward self-regulation. It also boosts performance by identifying patterns and characteristics that result in successful calls, facilitating more targeted training in those areas. Implementing speech analytics ensures CBE focuses on compliance and maintaining a highly ethical environment without sacrificing revenue return for our clients.

Dependable, Comprehensive Reporting In addition to our standard report suites, CBE creates customized, on demand reports that fit clients’ specific needs. We developed a Data Warehouse to store data in a centralized repository, enabling us to perform valuable testing, analysis, and reporting. This powerful tool stores all the data entered into CBE’s collection system and enables us to:

Generate analysis reports using virtually any combination of data Track client results that stretch over multiple years to determine performance trends Pinpoint specific data to examine strategies and identify opportunities for improvement

Engaged and Satisfied Workforce CBE embraces the service-profit chain concept and has long-realized that employees are our biggest asset.

This second key differentiator is our continuous, significant investment in recruiting, hiring, training and managing towards a stable, satisfied workforce because we understand the truth in two key workforce concepts:

1. Money is collected by people, not technology

2. Satisfied employees equal satisfied clients

Part of our commitment to our workforce is to give employees the tools they need for maximum performance. Our investment in innovative technology increases our employees’ success for our clients.

Tools such as voice analytics, e-learning and CBE’s collection system are designed to augment our workforce and their ability to deliver top performance.

Comprehensive Training Program Led by our dedicated Organizational Development Department, CBE’s training program leads to better performance at the individual level as well as the organizational level. Our training program supports employees’ personal and professional development while ensuring CBE’s Core Values are reinforced. We instill team concepts and emphasize the rewarding nature of belonging to a group of people who trust one another and share common goals.

In 2010, CBE invested in company-wide training on FranklinCovey’s The 7 Habits of Highly Effective People. Since that time, all new hires also receive two days of training. Concepts from this program are put into practice as our associates ‘seek first to understand, then to be understood’ and focus on ‘win-win’ outcomes for our clients and their customers.

The CBE Culture: A Complement to our Clients CBE’s vision is to define the future of debt collection in a manner that sets the highest standards for ethics, innovation and performance. Ethical practices have been integral to CBE’s operating principles since our inception and remain a cornerstone of our Core Values. The ends do not justify the means when it comes to the way we do business. We focus on achieving success through a courteous, ethical approach.

CBE’s values are interwoven in our culture and our actions position us as the undisputed leader in the delivery of highly-ethical services and solutions for clients.

Leadership We foster trust and collaboration to develop leaders focused on sustainable, superior performance. We set positive examples and invest in others so that they can follow the guidelines of leadership.

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Integrity We uphold the highest standards of professional behavior. We accept and fulfill our commitments.

We are open, honest and ethical in all our interactions with employees, clients, consumers, vendors and the public.

Respect We always treat others as they would like to be treated. We capitalize on each individual’s unique talents and honor diverse work styles. We operate in a climate of openness and trust in which each of us freely grants others respect, cooperation and decency.

Innovation We accept change as the rule, not the exception, and create an environment in which individuals thrive and creativity is valued. We anticipate change, shape it to fit our purposes and act as its agent.

Continuous Improvement We embrace a total quality management philosophy and promote continuous improvement. We monitor and improve our work processes, tasks and ourselves to satisfy clients. We work with enthusiasm and intellect, and we’re driven to surpass what has already been achieved.

SERVICES DESCRIPTIONS

Below are the descriptions to all proposed service categories:

1) Regular Collections Non-Rehab Pipeline Some borrowers will voluntarily decide to pay off the balance owed in total or through a compromised amount. Accounts that are more than 24 months since default are considered secondary accounts, have been previously worked by at least one other Private Collection Agency (PCA) and liquidate at a lower rate. Alternately, accounts with less than 24 months since default have not been work by any other agency and liquidate at a higher rate.

Administrative Wage Garnishment If eligible, borrowers that have not yet set up a voluntary payment arrangement, entered the Rehabilitation Program or consolidated their loan could have their wages garnished. This process includes multiple steps involving letters to the borrower and their employer and attempts to reach the borrower before the garnishment begins. If eligible, borrowers still can enter into the Rehabilitation Program or consolidate their loan after garnishment has started.

2) Rehabilitation Funding Pipeline (Direct Loan and Non-Direct Loan) If eligible, borrowers may enter the Rehabilitation Program, which in most cases means making nine eligible payments within ten months (in some cases the borrower must make nine eligible payments in nine months). Borrowers who enter this program must send back a signed Rehabilitation Agreement Letter. Borrowers like this option since successful completion of this program will take the loan out of default and put the borrower back in good standing. Direct Loans are federal student loans issued directly by the U.S. Department of Education. These loans are subject to specific federal regulations and guidelines. Non-Direct Loans encompass various types of federal student loans issued by private lenders but guaranteed by the federal government.

3) Consolidations These consist of three payments where each are at least 1% of the total balance, made in consecutive months with a 15-day grace period. The PCA will send out a consolidation application after the 1st payment is made, which the borrower must sign and send back. The main reason that consumers will opt to set up a consolidation is that the borrower does not qualify for a rehabilitation. Other reasons would be where the borrower does not have the money to pay in full or wait the 9 months to complete the rehab program.

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4) Administrative Resolutions (ARs) PCAs have four different ways of receiving fee on ARs: Death, Disability, Incarceration, or Litigation. In each case the PCA will need documented proof to receive credit.

5) Government Debt Collection We collect on commercial type, non-tax debt the government agencies place with Treasury, as well as consumer type, non-tax debt government agencies place with Treasury. In addition, we locate and submit administrative resolutions, such as bankruptcies, deaths, or entities that are out of business. In certain cases, we initiate wage garnishments and manage the process. We collect a fee based on the dollar amount collected.

6) Tax Collection We provide collections services for the Internal Revenue Service per the provisions outlined in the Transportation Act. The IRS places unpaid tax receivables with us and we make contact with the taxpayers to recover the unpaid tax liability. Our collection activities follow the PDC program documented policies and procedures developed and written by the Internal Revenue Service for this specific contract. We receive a fee based upon the dollar amount collected.

CUSTOMER INFORMATION

1a. Table of awarded special item number(s) with appropriate cross-reference to item descriptions and awarded price(s).

SIN 561440 Debt Collection SIN 561440RC Debt Collection - Disaster Recovery SIN OLM Order Level Materials SIN OLMRC Order Level Materials - Disaster Recovery

1b. Fees for Service:

The rates shown below include the Industrial Funding Fee (IFF) of 0.75%

Regular Collections > 24 Mos. 20% Regular Collections <= 24 Mos. 23% Government Debt Collections 25% Tax Collections 25% Administrative Resolutions $142.50 per item Rehabilitation Funding (Direct Loans)

11.75%

Rehabilitation Funding (Non-Direct Loans) 13.25% Consolidation 2.75%

1c. Hourly Rates: Not Applicable

2. Maximum order: $1,000,000. Please refer to clause 52.216-19 Order Limitations within the MAS Solicitation.

3. Minimum order: $100

4. Geographic Coverage: Domestic delivery that includes 50 states, DC and all U.S. Territories

5. Point(s) of Production: City of Waterloo, Black Hawk County, Iowa City of Cedar Falls, Black Hawk County, Iowa

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6. Discount from list prices or statement of net price: Government Net Prices (discount already deducted)

7. Quantity discounts: Not Applicable

8. Prompt payment terms: Net 30 Days - Information for Ordering Offices: Prompt payment terms cannot be negotiated out of the contractual agreement in exchange for other concessions.

9. Foreign items: Not Applicable

10a. Time of delivery: Contact Contractor

10b. Expedited Delivery: Contact Contractor

10c. Overnight and 2 day delivery: Contact Contractor

10d. Urgent Requirements: Contact Contractor

11. F.O.B. point(s): Destination

12a. Ordering address:

CBE Group 1309 Technology Parkway Cedar Falls, IA 50613

12b. Ordering procedures: See Federal Acquisition Regulation (FAR) 8.405-3

13. Payment address:

CBE Group P.O. Box 900 Waterloo, IA 50704-0900

14. Warranty provision: Not Applicable

15. Export packing charges, if applicable: Not Applicable

16. Terms and conditions of rental, maintenance, and repair, if applicable: Not Applicable

17. Terms and conditions of installation, if applicable: Not Applicable

18a. Terms and conditions of repair parts, if applicable: Not Applicable

18b. Terms and conditions for any other services, if applicable: Not Applicable

19. List of service and distribution points, if applicable: Not Applicable

20. List of participating dealers, if applicable: Not Applicable

21. Preventive maintenance, if applicable: Not Applicable

22a. Special attributes such as environmental attributes and/or reduced pollutants, if applicable:

Not Applicable

22b. Section 508 Compliance, if applicable: Not Applicable

23. Unique Entity Identifier (UEI) Number: CTYHQ6M5VHL1

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24. Notification regarding registration in System for Award Management (SAM) database.

Active Registrant

Service Contract Labor Standards: The Service Contract Labor Standards (SCLS), formerly known as the Service Contract Act (SCA), is applicable to this contract as it applies to the entire Multiple Award Schedule (MAS) and all services provided. While no specific labor categories have been identified as being subject to SCLS/SCA due to exemptions for professional employees (FAR 22.1101, 22.1102 and 29 CRF 541.300), this contract still maintains the provisions and protections for SCLS/SCA eligible labor categories. If and / or when the contractor adds SCLS/SCA labor categories to the contract through the modification process, the contractor must inform the Contracting Officer and establish a SCLS/SCA matrix identifying the GSA labor category titles, the occupational code, SCLS/SCA labor category titles and the applicable WD number. Failure to do so may result in cancellation of the contract.