Stephens and Michaels Associates, Inc.

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Stephens & Michaels Associates, Inc. is an intergral part of the collection and servicing strategy here at Kubota Credit Corporation. With their assistance we have been able to weather the worse recession since the Great Depression with minimal impact to the delinquency and credit losses of our portfolio. They are outstanding in working with our customers, our collection staff, and our dealers.

- President, KUBOTA CREDIT CORPORATION, U.S.A.

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