Document:

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                                                                     Exhibit 4.4

                               SERVICES AGREEMENT

THIS SERVICES AGREEMENT (the "Agreement") is between First National Bank of
Omaha (hereinafter "Bank") and First National Credit Card Center, Inc.
(hereinafter "FNCCC") who agree as follows:

1.   SERVICES. FNCCC agrees to provide services as described in schedules as
     mutually agreed and attached from time to time (hereinafter "Services").
     FNCCC shall: (i) comply with all applicable association, local, state, and
     federal laws, ordinances, rules, regulations and codes ("Requirements of
     Law") in the performance of the Services; (ii) obtain any applicable
     federal, state, local or association licenses required to provide Services;
     (iii) comply with all policies and procedures of Bank relating to the
     operation of Bank's credit card business, including, without limitation,
     the policies and procedures for determining the creditworthiness of credit
     card customers, the extension of credit to credit card customers, debt
     deferral and cancellation programs, and relating to the maintenance of
     credit card accounts and the collection of credit card receivables, as such
     policies and procedures may be amended from time to time; and (iv) provide
     Services in a manner that will comply with the cardmember agreements and
     other disclosures provided in connection with the credit card accounts
     serviced hereunder. FNCCC is solely responsible for its own costs and
     expenses of performance hereunder except as otherwise set forth. FNCCC
     shall be solely responsible for the acts and omissions of its employees and
     shall have sole responsibility for their supervision, direction and
     control. Bank shall provide FNCCC with access to such books, records,
     systems and information as may be necessary to enable FNCCC to provide the
     Services. Any such books, records, systems and information shall constitute
     Bank's confidential information and shall be subject to Section 4. All such
     books, records, systems and information shall be returned to Bank
     immediately upon request or termination of this Agreement, whichever occurs
     first.

2.   COMPENSATION. Bank shall compensate FNCCC for Services rendered in
     accordance with any attached schedules or as otherwise mutually agreed from
     time to time. In addition to such compensation, Bank acknowledges and
     agrees that it will be responsible for payment of all Direct-Billed
     Expenses. "Direct-Billed Expenses" are expenses: (i) incurred by FNCCC to
     vendors and services providers for products and services which are
     reasonably identified as having been provided for the direct benefit of
     Bank (e.g., mailing costs which are identified as having been provided for
     a mailing of Bank's solicitations); and (ii) in excess of a de minimis
     dollar threshold established by FNCCC from time to time. In the event that
     expenses are incurred that do not qualify as Direct-Billed Expenses, Bank
     agrees that such expenses may be allocated to Bank based on the Allocation
     on the attached schedule which is relevant to the functional service area
     for which the expense was incurred. Direct-Billed Expenses shall be
     documented in invoices from the vendor or service provider which are
     rendered to the Bank or FNCCC and made available to Bank. FNCCC shall be
     responsible for satisfying such invoice approval requirements as Bank may
     establish from time to time for Direct-Billed Expenses. Direct-Billed
     expenses will be paid by Bank directly to the relevant vendor or service
     provider.

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3.   TERMINATION. This Agreement shall be effective from the date set forth
     below until terminated by either party. Either party may terminate this
     Agreement with or without cause on thirty (30) days notice; provided,
     however, that this Agreement may be terminated effective upon actual
     receipt of notice in the event of a material breach by the other party.
     Notwithstanding any such notice of termination, this Agreement shall, to
     the extent required by Bank, remain in effect for a reasonable time to
     allow an orderly transition to a successor servicer. FNCCC shall provide
     such transitional or conversion services as Bank may reasonably request in
     connection with any such transition.

4.   PRIVACY.

     (a) Each party shall hold in confidence all confidential information of the
     other that it may obtain during the term of this Agreement. Each party
     agrees to use the confidential information of the other only for the
     purposes of providing or receiving Services pursuant to this Agreement, and
     each party agrees that it will not disclose such confidential information
     to any other person without prior written consent, except that such
     confidential information may be disclosed: (x) to employees, auditors,
     regulators, affiliates and professional advisors who have a need to know
     such information; and (y) as necessary to perform the Services.
     Confidential information shall not include information that: (i) was
     already in the possession of the recipient prior to disclosure by the
     disclosing party; (ii) is or subsequently becomes a part of the public
     domain through no fault of the recipient; (iii) is subsequently disclosed
     to the recipient by a third party not under any confidentiality obligation
     to the disclosing party; or (iv) is independently developed by the
     recipient. None of the foregoing shall be deemed to prohibit any
     disclosures required by applicable laws, rules, regulations, court orders
     or subpoenas.

     (b) For purposes of this subsection (b), the following definitions apply:
     "Consumer" means an individual who has obtained or applied for a product or
     service from a party for personal, family or household purposes ("Consumer"
     includes an individual's legal representatives); "Nonpublic Personal
     Information" means any information from or about Consumers that: (i)
     relates to any Consumer; (ii) relates to, or derives from, any transaction
     between a party and any Consumer; or (iii) is a list, description or other
     grouping of Consumers (Nonpublic Personal Information includes, but is not
     limited to, application, account and transaction information, Consumer
     names and addresses, consumer report information or information derived
     therefrom, and the mere fact that an individual is or was a customer). To
     the extent a party receives Nonpublic Personal Information, it: (1) shall
     use Nonpublic Personal Information solely for the purpose of providing
     Services under the Agreement; (2) shall not sell, rent, lease or otherwise
     directly or indirectly disclose Nonpublic Personal Information to any third
     party except as required by applicable law or regulation (including, but
     not limited to, disclosures to regulators in connection with examinations);
     (3) shall take all reasonable steps to protect the confidentiality of
     Nonpublic Personal Information; and (4) shall give access to Nonpublic
     Personal Information only to those employees, officers or agents who have a
     need to know in connection with

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     the performance of its obligations under the Agreement. The recipient
     agrees to implement a comprehensive written information security program
     that includes appropriate administrative, technical and physical safeguards
     to: (A) ensure the safety and confidentiality of Nonpublic Personal
     Information; (B) protect against unauthorized access to and use of
     Nonpublic Personal Information; (C) protect against anticipated threats or
     hazards to the security or integrity of Nonpublic Personal Information; and
     (D) properly dispose of Nonpublic Personal Information. FNCCC's information
     security program shall be at least as protective as Bank's. The recipient
     further agrees to cooperate in the discloser's monitoring of the
     recipient's compliance with the foregoing obligations as reasonably
     requested from time to time. The recipient agrees to notify the discloser
     of any unauthorized disclosure of Confidential Information, or any breach,
     or attempted breach, of its security related to areas, locations or
     computer systems which contain any Nonpublic Personal Information.

     (c) To the extent applicable, FNCCC agrees to comply with any rules and
     regulations of VISA, MasterCard and other relevant card associations
     related to protecting any information concerning Consumers, including, but
     not limited to, the Payment Card Industry Data Security Standard. FNCCC and
     its relevant agents and subcontractors must obtain and maintain all
     required registrations with, and successfully complete all compliance
     audits and assessments required by VISA, MasterCard and other relevant card
     associations.

     (d) The terms of this Section 4 shall survive the termination of this
     Agreement.

5.   RELATIONSHIP OF PARTIES. The relationship of the parties hereunder shall be
     that of independent contractors. Except as provided in Section 8 or any
     Schedule, neither party shall be deemed an employee, agent, joint venturer,
     or partner of the other and neither party shall have the power or authority
     to bind or obligate the other.

6.   AUDIT. Bank, its designees and its regulators shall have reasonable access
     to and the right to audit, inspect and copy the books and records of FNCCC
     (including, but not limited to, audits, test results, reports and similar
     materials that FNCCC might prepare or have prepared for itself from time to
     time) and the right to make such inquiries of FNCCC's personnel and to
     visit FNCCC's facilities as Bank may reasonably require from time to time
     in order to comply with legal requirements, to handle litigation, disputes
     and customer inquiries, to confirm that appropriate security, internal
     control and business continuity programs are in place, and to verify
     FNCCC's compliance with the Agreement. Bank shall also have those rights to
     monitor the performance of FNCCC as may be reasonably required to confirm
     FNCCC's compliance with the Agreement. To the extent that FNCCC
     subcontracts any part of its responsibilities under the Agreement, FNCCC
     shall assure that Bank has the rights set forth in this paragraph with
     respect to such agents and subcontractors. FNCCC agrees to cooperate as
     reasonably requested by Bank in facilitating any monitoring or audit
     required by this paragraph.

7.   MISCELLANEOUS. This Agreement: (a) shall be governed by and construed in
     accordance with the laws of the state of Nebraska; (b) may be amended only
     in writing signed by

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     both parties; (c) shall be binding upon and inure to the benefit of the
     parties' successors and permitted assigns; and (d) is the complete and
     exclusive statement of the agreement between the parties relating to the
     subject matter hereof, which supersedes and merges all prior proposals,
     understandings, and agreements, oral or written, between the parties
     relating to the subject matter hereof. No waiver or modification of the
     terms hereof shall be binding unless in writing signed by the waiving
     party. No waiver of any provision hereof at any time shall operate as a
     waiver of any other provision or as a waiver of any subsequent breach of
     the same provision. The invalidity or unenforceability of any provision
     hereof shall not affect the validity or enforceability of the remaining
     provisions, all of which shall continue in full force and effect.

8.   CONSUMER REPORTS. The parties agree that when Bank requests FNCCC to be
     involved in a decision that gives rise to a permissible purpose to obtain
     consumer reports, as defined under the Fair Credit Reporting Act, Services
     provided by FNCCC may include assistance in obtaining those consumer
     reports (including, but not limited to, prescreening results).
     Notwithstanding anything to the contrary elsewhere in this Agreement, the
     parties agree that FNCCC will be acting solely as the agent of Bank in
     receiving such consumer reports.

9.   PROPRIETARY RIGHTS. Nothing herein shall be deemed to grant any party any
     right, title, license, leasehold right or other interest in or to the
     books, records, systems, information. hardware, software, intellectual
     property, documentation, processes, facilities or services provided to it
     by the other in connection with this Agreement, including, without
     limitation, any special programs, functionalities, systems, interfaces or
     floor space or other resources that are made available hereunder or used to
     provide or receive Services or work product hereunder. The terms of this
     Section 9 shall survive the termination of this Agreement.

10.  SOFTWARE. Any software and its associated documentation that is made
     available by one party to the other in connection with this Agreement
     (referred to collectively as "Software") is provided under the following
     terms. Software is provided solely for non-exclusive, non-transferable,
     internal use during the term hereof and solely for the purpose of
     facilitating the provision or receipt of Services under this Agreement.
     Neither party shall copy, decompile, reverse engineer or modify the
     Software and each party shall return the same (and all copies) to the other
     on termination. Title and all proprietary and other rights in the Software
     and any modifications or copies thereof shall at all times remain with the
     owner. The Software may contain trade secrets and each party agrees to
     maintain the confidentiality thereof and not to disclose or otherwise make
     the Software available to any third party without the owner's prior written
     consent. Software provided under a separate license agreement shall be
     subject to and governed by such agreement, and the recipient agrees to
     comply therewith.

11.  INTELLECTUAL PROPERTY. Each party shall be the sole and exclusive owner of
     all copyrights, patents, trade secrets, or other intellectual property
     rights associated with any ideas, works of authorship, including, but not
     limited to, computer software and documentation, and other work product
     developed or created by it or its personnel during the course hereof
     (collectively, the "Work Product"). Such Work Product shall not be
     considered a work made for hire within the meaning of Title 17 of the
     United States Code. Each party and its personnel shall now and in the
     future be free to use and employ

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     its and their general skills, know-how, and expertise, and to use, disclose
     and employ any generalized ideas and concepts learned during the course of
     any assignment, so long as it or they acquire and employ such information
     without disclosure of any confidential or proprietary information of the
     other.

                         [SIGNATURES ON FOLLOWING PAGE]

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IN WITNESS WHEREOF, the parties have executed this Agreement intending it to be
effective as of January 1, 2007.

                                        FIRST NATIONAL BANK OF OMAHA

                                        BY:
                                            ------------------------------------
                                        TITLE:
                                               ---------------------------------
                                        DATE:
                                              ----------------------------------

                                        FIRST NATIONAL CREDIT CARD CENTER, INC.

                                        BY:
                                            ------------------------------------
                                        TITLE:
                                               ---------------------------------
                                        DATE:
                                              ----------------------------------

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                        SCHEDULE A TO SERVICES AGREEMENT

FNCCC shall provide Services within the following functional areas as required
by Bank. FNCCC shall not provide Services to any third party other than
InfiBank, N.A. and First National Bank of Omaha. Services shall be comprehensive
within each functional area, it being intended that FNCCC will, to the extent
required by Bank, provide all Services necessary for the operation of Bank's:
(i) credit card issuing business as currently conducted and as hereinafter
modified by Bank (including, but not limited to, proprietary and co-branded card
activities, Services necessary to permit Bank to fulfill its agent bank,
alliance and custom partner agreement responsibilities, and Services necessary
to permit Bank to fulfill Bank's responsibilities under various account owner,
successor servicer and backup servicer commitments); and (ii) debit, ATM, and
prepaid card business, but only to the extent services are requested in selected
areas such as fraud monitoring and embossing; and (iii) retail and online
banking business, but only to the extent services are requested in selected
areas such as customer service and ARU. All Services shall include the provision
of standard and ad hoc reports as Bank may require from time to time, as well as
relevant management and supervisory oversight, consultative support, planning,
product development, risk management, and business-level compliance activities
that are necessary or appropriate within each functional area. Services do not
include the activities that may only be conducted by a bank or other services
that Bank elects to perform for itself. Nothing herein shall be deemed to
constitute an assignment and assumption of Bank's rights or responsibilities
under any separate agreement.

<TABLE>
<CAPTION>
SERVICE                                                       COST                PER UNIT
-------                                                       ----                --------
<S>                                                 <C>                       <C>
ADMINISTRATION

Provision of executive and managerial resources     $0.53                     Per Live Account
for credit card issuing activities, finance
services (including, but not limited to,
financial reporting and analysis), and legal
services.

MARKETING

Acquisition campaign development and                $4.03 (Consumer)          Per App
implementation, partnership acquisition and                                   Processed
partner relationship management, marketing
analytics and retention and activation campaign     $10.27 (Comm'l)           Per App
management                                                                    Processed

Retention and activation campaign development,      $0.18                     Per Billed
yield management, fee income program management,                              Account
rewards program management and product research
and development
</TABLE>

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<TABLE>
<CAPTION>
SERVICE                                                       COST                PER UNIT
-------                                                       ----                --------
<S>                                                 <C>                       <C>
CREDIT

Application processing and decisioning in           $3.00 (Consumer)          Per App
accordance with Bank's credit policies and                                    Processed
procedures relevant to credit card issuing.
Exceptions will be allowed solely in accordance     $5.25 (Commercial)        Per App
with written guidelines approved by Bank.                                     Processed

Credit Maintenance (in accordance with Bank's       $0.19 (Consumer)          Per Live Account
credit policies and procedures relevant to credit
card issuing; exceptions will be allowed solely     $0.43 (Commercial)        Per Live Account
in accordance with written guidelines approved by
Bank), Credit DSS, Risk Management, and Risk
Policy

COLLECTIONS

All services necessary to collect receivables       $4.56 (1+ Cycle)          Per Delinquent
generated on Bank's credit card accounts.                                     Account
Waivers and modifications will be allowed solely
in accordance with written guidelines approved by   $33.69 (3+ Cycle)         Per Delinquent
Bank. Notwithstanding anything to the contrary                                Account
in Section 5 of the Agreement, FNCCC may, if
necessary, represent to a debtor that it has
authority to grant any waiver or exception
offered to a debtor in a collection settlement,
provided such waiver or exception is in
compliance with Bank's written guidelines.
Except as otherwise directed by Bank,
post-charge-off collections will generally be
handled by a separate collection agency rather
than by FNCCC.

General Collections Management and Fraud            $0.12                     Per Live Account
Investigations

Post-charge-off recovery management                 $0.11                     Per Charged-Off
                                                                              Account in
                                                                              Inventory
</TABLE>

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<TABLE>
<CAPTION>
SERVICE                                                       COST                PER UNIT
-------                                                       ----                --------
<S>                                                 <C>                       <C>
Fraud monitoring                                    $0.02 (Credit Card)       Per Gross
                                                                              Transaction

                                                    $0.03 (Debit Card)        Per Open Account

Collections support for 'liquidation business'      $94,000                   Per Month

                                                    (for dedicated centers;
                                                    work outside dedicated
                                                    centers at cost)

OPERATIONS

Embossing                                           $0.72                     Per Card Issued

Dispute and Chargeback Processing                   $0.035                    Per Gross
                                                                              Transaction

Other operational support necessary to              $0.16                     Per Billed
administer, maintain and process Bank's credit                                Account
card accounts, including the provision of notices
and disclosures approved by Bank, the
implementation of changes in terms as approved by
Bank from time to time, accounting, settlement,
payment exception processing, electronic payment
processing, and records management

TBS letter generation                               $0.05                     Per Billed
                                                                              Account

Operational support for 'liquidation business'      $66,000                   Per Month

                                                    (for dedicated centers;
                                                    work outside dedicated
                                                    centers at cost)
</TABLE>

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<TABLE>
<CAPTION>
SERVICE                                                       COST                PER UNIT
-------                                                       ----                --------
<S>                                                 <C>                       <C>
CONTACT CENTERS

Customer service and ARU                            $5.63                     Per Rep-Handled
                                                                              Call

Telemarketing                                       $35.00                    Per Hour

CUSTOM PARTNER SOLUTIONS

Marketing support and management for custom         $23,000                   Per Month
partners
                                                                              (based on the
                                                                              current
                                                                              estimate of
                                                                              FNBO's % of the
                                                                              total FNCCC
                                                                              time and
                                                                              expenses
                                                                              incurred in
                                                                              this area)

TECHNOLOGY

Services as requested from technology personnel     $0.00                     Per Month
resident in FNCCC's Atlanta office, including
systems development and DSS support.                                          (based on the
                                                                              current
                                                                              estimate of
                                                                              FNBO's % of the
                                                                              total FNCCC
                                                                              time and
                                                                              expenses
                                                                              incurred in
                                                                              this area)

PROGRAMMING AND TECHNICAL SUPPORT FOR AREAS OTHER   $80.00                    Per Hour
THAN CREDIT CARD AS REQUESTED.
</TABLE>

Services provided by FNCCC shall be provided at its actual cost, without markup.
Payment shall be due upon invoicing. FNCCC's actual cost shall include all
expenses incurred by FNCCC in order to operate its business and provide the
Services to Bank, including, but not limited to, intercompany charges for
services that are provided to FNCCC by its affiliates. Costs Per Unit referenced
above will be used for initial monthly invoicing by FNCCC. In the event that
FNCCC's actual costs are greater or less than the estimates upon which the above
Costs Per Unit were based, FNCCC may periodically:

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(1)  issue a lump sum invoice to apply an incremental adjustment reflecting
     difference between actual costs and invoiced costs for units previously
     billed; and/or

(2)  apply revised Costs Per Unit in future invoices, to the extent necessary to
     reflect actual costs.

Per Unit Definitions:

<TABLE>
<CAPTION>
STATISTIC                                                      DEFINITION
---------                                                      ----------
<S>                                <C>
1+ Cycle Delinquent                Includes accounts 5-179 days delinquent as of their cycle date.
                                   Includes pending charge off accounts.

3+ Cycle Delinquent                See definition above. These are 60-179 days delinquent as of
                                   cycle date.

Card Issued                        Includes cards embossed and sent to customer for any reason
                                   including new accounts, normal reissue, miscellaneous replacement.

Live Account                       Includes credit card accounts managed by the Issuer at month end.
                                   Includes accounts that are closed to new changes but which are
                                   revolving a balance. Excludes charged-off and closed accounts.

Rep-Handled Call                   Includes calls handled by a rep regardless of whether the caller
                                   opted out of the VRU first or not.

Billed Account                     Includes accounts that either had a beginning balance, an ending
                                   balance or a transaction (purchase, cash advance, payment) except
                                   if the beginning or ending balance is between ($.99) and a +$.99
                                   and the account had no transaction. Excludes accounts charged off
                                   in prior months but not in current month.

App Processed                      Includes applications for new accounts whether auto or manually
                                   decisioned or withdrawn. Includes approved and declined
                                   applications decisioned in-
</TABLE>

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<TABLE>
<CAPTION>
STATISTIC                                                      DEFINITION
---------                                                      ----------
<S>                                <C>
                                   house and by outside vendors. Excludes add on accounts for
                                   existing commercial card customers.

Gross Transaction                  Includes purchase, cash advance, and balance transfer
                                   transactions. It is not net of Purchase Returns.

Charged-Off Account in Inventory   Includes all charged off accounts (for any reason, including, but
                                   not limited to bad debt, fraud and bankruptcy) in the recovery
                                   system platform.
</TABLE>

                                       174<PAGE>

                                                                     Exhibit 4.5

                              COLLECTION AGREEMENT

THIS AGREEMENT (the "Agreement") is made and entered into as of the 1st day of
September, 2005, by and between FIRST NATIONAL BANK OF OMAHA, Bankcard Recovery,
referred to hereafter as "FNBO" and PLATINUM RECOVERY SOLUTIONS INC., referred
to hereafter as "PRS" or "Agency".

WHEREAS, FNBO has unpaid accounts requiring collections and Agency is a
collection agency licensed to collect in any state where it attempts collection,
follows all state and federal statutes and law, and is desirous of collecting
accounts placed by FNBO.

WHEREAS, Agency will use its best efforts to collect accounts referred by FNBO,
and shall employ lawful means and procedures for which the Agency will be held
responsible, and in its discretion it believes will best effect the collection
of the accounts.

WHEREAS, this Agreement is intended to replace and supersede any prior
agreements or contracts concerning the same.

NOW, THEREFORE, in consideration of the mutual promises, covenants, and
agreements contained herein the adequacy of which is acknowledged, the parties
agree as follows:

1. FILE MANAGEMENT

CCCS Payments - CCCS payments will be allowed as long as FNBO does not pay any
fee to the CCCS agency.

2. COLLECTION EFFORT

     ACTIVATION

Initial Demand Letter - The initial Request for Payment/Validation letter must
be sent to the debtor within three working (3) days from the receipt of the
account.

Collector Activation - The first phone call to the debtor normally should be
placed within fifteen (15) days. If no answer, a call must be placed at the
business phone and/or an evening and Saturday/Sunday call must be placed within
seven (7) days. The collector must work the account therafter at least once
every seven (7) days.

Busy Signal - If a busy signal is received, the collector must call back later
in the day.

No Phone - If no good telephone number is available, the collector should
utilize a form of directory assistance.

Skip Tracing - If directory assistance attempt fails, the account must be
reviewed for skip tracing within the first 30 (30) days of placement as return
mail from the first notice will be monitored, or when it is determined that the
account is a skip. This applies to other skip tracing tools such as, but not
limited to, Fast Data, Nearbys, Post Office, Voter registration, Libraries, etc.

Credit Bureau Reports - If the debtor cannot be located, a Credit Bureau maybe
considered as an additional tool for location information.

Managers or Supervisor's Review - A portion of the accounts must be reviewed by
the manager or supervisor regularly. Comments relative to any inadequacies must
be detailed with

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suggestions for improvement and direction. Copies of findings and corrective
action should be maintained on file for subsequent review in the audit process
by FNBO.

     PROMISE TO PAY

Arrangements - Payment arrangements cannot extend beyond eighteen (18) months,
unless approved by FNBO.

PPA Status - An account can only be placed into a PPA file if a payment is
received from the promised payment arrangements. Once in the PPA status, the
account will be removed if sixty-five (65) days lapse between payments.

Broken Promise Follow-Up - Broken promise must be followed up on within three
(3) days of the missed payment.

Upgrade Payments - The collector must attempt to upgrade the payment amount if
the plan is longer than twelve months. The attempt must be within the first four
(4) months measured from the first payment date and once every three months
thereafter.

     SETTLEMENTS

Settlement Amount - Agency has the authority to settle account at its own
discretion, provided at month end the aggregate amount of all settlements
approved and remitted to FNBO is no lower than 40% on Regular Collection
Accounts. Payment in full accounts do not constitute a settlement and will not
be allowed to count toward the 40% aggregate. Agency will submit an aggregate
settlement report monthly.

     LEGAL ACTIVITY

Approval - All suits must be approved by FNBO.

Legal Placement - Suit requests should be placed with the forwarding attorney in
five business (5) days and suit should normally be filed within 60 (60) days
from the receipt of the account by the attorney in the debtors area.

Legal Fees - First National Bank of Omaha is responsible for all fees and costs
associated with the collection of accounts authorized for suit action. Upon
recovery of advanced legal costs and fees PRS will remit such recovery by check
on a monthly basis for all recovered costs received by PRS the previous month.

Legal Cancel and Return Policy - The Agency may keep legal accounts more than
the 360 days provided they review the account for possible executable assets
(bank accounts or wages) at least quarterly. FNBO reserves the right at any time
to recall any account where judgment has been obtained and the account is deemed
not collectible.

Updates - A written status report reflecting the current classification of the
legal category must be submitted no less than every ninety (90) days.

3. FEE ARRANGEMENT

Remits - Unless otherwise required by FNBO, the Agency may retain its
commissions described below and remit net collections.

Regular Collection Account - 30% of the payments received will be the fee.

Legal Accounts - Accounts approved as legal will receive 40% of the payments as
the fee.

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<PAGE>

Direct Pays - Any payment received by FNBO within five (5) days of placement
with the Agency will not be eligible for fees. Placement date will be determined
by FNBO. All direct pays after the five (5) days will be entitled to commission.

4. REMITTANCE CONTROL

Posting Payments - Payments must be remitted to FNBO within thirty (30) days of
receipt by the Agency.

Remitting Payments - The Agency will remit to FNBO weekly that portion of each
collection due FNBO.

NSF Recollect - Attempts to recollect NSF items usually should occur within one
(1) day after receipt of the returned item.

Inventory and Closure - The Agency will close all accounts that no payment has
been received within 180 days of placement or last payment date, unless approval
to maintain the account is received from FNBO. The closure report will list
specifically the reason for the close (i.e., bankruptcy, skip, disputed, PIF or
SIF). All closing due to bankruptcy must include the bankruptcy case number, if
available the court where the case was filed and the filing date. All closing
due to deceased would normally include a death certificate and/or a date of
birth.

Inventory Report - The Agency must provide a complete inventory of FNBO accounts
upon request.

5. COMPLIANCE

The Agency shall comply with all Federal, State and local laws, including, but
not limited to, the Fair Debt Collection Practices Act, applicable privacy
statutes and regulations, and all other applicable statutory and regulatory
authority. The Agency will refrain from any practices which may reflect
adversely upon FNBO's reputation, or the reputation of any affiliate. The
Agency's collections activity shall be courteous, dignified, and business-like.

The Agency agrees to disclose to FNBO any pending, past, or future legal actions
brought against it for violations of either the Fair Debt Collection Practices
Act, or any state consumer protection or consumer credit collection laws or
regulations only on accounts placed by FNBO with PRS. This disclosure should
include, at a minimum, the case name, court in which it was filed, alleged
violations of either Federal or State consumer protection statutes or
regulations claimed to have occurred, and resolution of the case. In the course
of performance of this Agreement, the Agency shall also notify FNBO within 48
hours of any lawsuit initiated against it for violation of either Federal or
State consumer protection or consumer credit collection statutes or regulations
on accounts placed by FNBO or where a class action for a FDCPA violation has
been filed...

6. INDEMNIFICATION AND INSURANCE

Hold Harmless - The Agency shall indemnify and hold FNBO harmless from any and
all suits, claims, actions, liabilities, settlements, losses, damages, costs,
attorney fees, and any other expenses, arising from or relating to actions by
the Agency, its employees, agents, officers, or directors.

The Agency also agrees to defend, indemnify, and hold harmless FNBO from and
against any and all claims, actions, losses, or expenses, including attorney's
fees incurred by FNBO as a

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result of the Agency's actions, inactions, or alleged actions with respect to
any account to include, but not be limited to, any alleged or actual violation
of Federal, State, or local law or regulation or any negligent or unauthorized
act of the Agency, its officers, employees, or agents, regardless of whether the
Agency is ultimately found responsible or liable by any trier of fact.

Insurance - The Agency shall carry commercial general liability insurance with
minimum limits of $1,000,000.00 per occurrence, $2,000,000.00 annual aggregate.
The Agency shall also carry excess (umbrella) liability coverage of at least
$1,000,000.00 per occurrence.

Evidence of Insurance - The Agency shall provide a certificate of insurance
evidencing general liability, excess liability and surety coverage. The Agency
shall provide a new certificate upon the renewal of each policy or bond. The
Agency shall notify FNBO in writing within thirty (30) days of cancellation of
coverage, material modification of coverage, reduction in coverage, or
non-renewal of coverage.

7. NATURE OF RELATIONSHIP

Nothing contained in this Agreement shall be construed to create an agency or
employment relationship between the Agency and FNBO, and the Agency and FNBO
are, and shall remain, independent contractors.

8. TERM AND TERMINATION

Term - This Agreement shall continue in effect until it is terminated as
hereinafter provided. Either party may terminate this Agreement by giving the
other party thirty (30) day written notice. Upon termination of the Agreement,
all accounts will be returned to FNBO, unless written authorization is received
from FNBO to maintain any account.

Termination - If any provision of this Agreement is breached in any way, FNBO
may terminate this contract and all monies held become due immediately and all
accounts will be returned regardless of status. Additionally, if there has been
an adverse change in the Agency's performance, financial status, integrity,
behavior, or reputation, this Agreement will be terminated.

Determination of Performance - It is FNBO's sole opinion that will govern in a
termination situation.

9. CONFIDENTIALITY

Confidentiality - The Agency agrees to comply with the terms of the Privacy
Commitment attached hereto as Exhibit A and incorporated herein by this
reference.

References - The Agency is strictly prohibited to use FNBO as a business
reference, without prior written consent. Breach of this provision will
terminate this contract.

10. AUDIT

On-Site Reviews - Upon reasonable advance notice to Agency, FNBO shall have the
right to visit Agency's facilities and/or inspect Agency's books and reports to
verify that Agency complies with this Agreement and performs in accordance with
the standards set forth in this Agreement.

Reports - During the term of this Agreement, and after termination until all
monies due FNBO are determined by FNBO to be paid in full, Agency agrees to
provide FNBO with any available reports which FNBO requests.

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11. JURISDICTION

Choice of Jurisdiction - It is the specific intent of the Agency and FNBO that
this Agreement and the performance thereunder, and any and all suits or other
proceedings brought directly or indirectly as a result hereof, be construed in
accordance with and pursuant to the laws of Nebraska, and any acts or
proceedings that may be brought, in connection with or by reason of this
Agreement shall be brought in Douglas County District Court, Nebraska.

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IN WITNESS WHEREOF, the parties hereto have executed this Agreement by their
duly authorized agents as of the date set forth above.

                                        FIRST NATIONAL BANK OF OMAHA

                                        By: /s/ Doug Baker
                                            ------------------------------------
                                        Name: Doug Baker
                                        Title: Recovery Officer

                                        PLATINUM RECOVERY SOLUTIONS INC.

                                        By: /s/ John A. Ostrowski
                                            ------------------------------------
                                        Name: JOHN A. OSTROWSKI
                                        Title: PRESIDENT

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