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&lt;br /&gt; 4&lt;br /&gt; &lt;br /&gt; Stephens &amp; Michaels Associates, Inc.&lt;br /&gt; 7 Stiles Road, Salem, NH 03079 &middot; 888-340-1740 &middot; www.smacollects.com&lt;br /&gt; About Us&lt;br /&gt; 7 Stiles Road, Salem, NH 03079&lt;br /&gt; 888-340-1740 &middot; www.smacollects.com&lt;br /&gt; &lt;br /&gt; 4&lt;br /&gt; ABOUT US&lt;br /&gt; SMA was formed in 1998 with twelve employees and was&lt;br /&gt; primarily a commercial collection agency focusing on collecting&lt;br /&gt; up to date balances, and preventing repossession. We quickly&lt;br /&gt; made a name for ourselves in the recovery of early stage,&lt;br /&gt; collateralized placements but found that in order to be more&lt;br /&gt; effective we had to build a network of rep<a title="SMA Brochure Pages AVERT 0314111.pdf page 1" href="http://viewer.zmags.com/publication/38055267?page=1">4 </a> 4 <a title="SMA Brochure Pages AVERT 0314111.pdf page 2" href="http://viewer.zmags.com/publication/38055267?page=2">About Us7 Stiles Road, Salem, NH 03079888-340-1</a> About Us7 Stiles Road, Salem, NH 03079888-340-1<a title="SMA Brochure Pages AVERT 0314111.pdf page 3" href="http://viewer.zmags.com/publication/38055267?page=3">About Us&ldquo;Our partnership with Stephens &amp; Michael</a> About Us&ldquo;Our partnership with Stephens &amp; Michael<a title="SMA Brochure Pages AVERT 0314111.pdf page 4" href="http://viewer.zmags.com/publication/38055267?page=4">Avoid Repossession, Retain your Customers.&ldquo;OnP</a> Avoid Repossession, Retain your Customers.&ldquo;OnP<a title="SMA Brochure Pages AVERT 0314111.pdf page 5" href="http://viewer.zmags.com/publication/38055267?page=5">Managing Collateral&ldquo;Stephens &amp; Michaels Associ</a> Managing Collateral&ldquo;Stephens &amp; Michaels Associ