REFERENCES




         Keith Erickson                       Hassib Farhat
         General Manager                      Food/Beverage Manager
         Erickson Sales Corp.                 Interlachen Country Club
         10824 Normandale Blvd.               6200 Interlachen Blvd.
         Bloomington, MN  55437               Edina, MN  55436
         612-884-4828                         612-929-1661




         Mark Smiley                         *Kay Cunningham
         Bartender/Manager                    Collector Manager
         Interlachen Country Club             Medical Collections
         6200 Interlachen Blvd.               410 East Thayer, Box 1057
         Edina, MN  55436                     Bismarck, ND  58502
         612-929-1661                         800-472-2246




         Dave Wertzberger                    *Angie Avilla
         West Coast Manager                   Collector Manager
         Dubuque Data Services                Bonded Collection Corp.
         Certified Software                   221 North Lasalle
         1358 Cerrow Verde                    Chicago, IL  60604
         San Jose, CA  95158                  800-326-6333
         408-268-2533




        *Wally Anderson                      *Blake Rice
         General Manager                      President/Owner
         Illinois Collection Service          Bureau of Collection & Recovery
         4647 West 103rd Street, Box 646      7200 France Avenue South
         Oaklawn, IL  60453                   Edina, MN  55435
         708-857-7600                         612-831-7116