Smart, Simple, Effective!

1. Smart, Simple, Effective! S O L U T I O N S by MSB Capital Group Inc.,

2. Welcome • While all businesses share common challenges, the priority for most is finding the right resources at the right time at the right price. Rising costs, inflated skill levels, and attrition all adversely affect financial forecasts. These simple questions can help you decide whether your current solution is optimal: • Are you getting the most bang for your buck by utilizing the best technology, state-of-the-art infrastructure and integrating the best of onshore and offshore resources ? • Are you getting guaranteed results backed by “no costs no commissions” guarantee if revenue targets are not achieved ? • Do you require analytical support along with MIS Reports at practically no or negligible additional cost? • Would you like a significant increase to your operating income without compromising on quality & data security? • If you answered 'yes' to any of these questions, (and these are just the tip of the iceberg), you can count on us for the right resources. Our unique blend of delivered services backed up by global expertise means you can count on more efficient, flexible, reliable resources that are totally tailored and focused on your targets.

3. Key Business Objectives

4. Key Business Objectives • To deliver measurable results through our Process Consulting & BPO practices focused on Financial Services, Collections & Recovery verticals. • To reap the India advantage in the global off-shoring market on various fronts: • Parity differences with developed countries. • Pool of young and proficient work force. • To create a knowledge process outsourcing base within MSB BPO - Intelligent outsourcing with end-to-end solutions in Support, Collections & Telesales. • To provide a global solution base with the best mix of on-shore and off-shore services to create maximum value addition at minimum cost to our clients. • To leverage MSB’s affiliation with Law firm and operate as collections arm of the law firm to achieve best possible results above and beyond client expectations.

5. Market Positioning We are Positioned in the Sweet Spot of Client Demand: • Business Process Outsourcing • An average of 10-15% reduction in costs • Optimized processes • Improved quality and business performance • Increased organizational flexibility • BPO + Global Delivery • An average of 30-50% reduction in costs • Optimized processes • Improved business performance • Increased organizational flexibility • Collection and Recovery (CR) • An average of 10-15% reduction in costs • Increased organizational flexibility • Improved bucket performance • CR + Global Delivery • An average of 30-40% reduction in costs • Improved bucket performance • Increased organizational flexibility

6. Key Differentiators • Operate under the Law firm of Coleman & Associates, giving is an edge over competitors and maximize collections revenue. • A holistic methodology that integrates the best of onshore & offshore outsourcing, process improvement, and top-of-the-line technological capabilities. • We guarantee collections revenue; No commissions if don’t achieve pre-defined revenue targets! • Dedicated US/ AU/ UK experienced Transition Team. • Dedicated Operations Managers in US & India, solely focused on managing your work processes. • The ability to implement within weeks rather than months. • Flexible implementation approach based on clients cost reduction objectives, risk tolerance, and capacity to change. • State-of-the-art infrastructure to support our team of highly trained and experienced collectors. • Focus marketing efforts on BPO in the Financial Services industries along with the Collections & Recovery industry leveraging our extensive experience with these industries.

7. Service Offerings Debt Collections Legal Processes Sales and Telemarketing • Intellectual Property Rights • Contract Drafting & Management • Litigation Support • Legal Research • Legal Analysis & due diligence • Paralegal Support • Patent Research & Analysis • Proactive Account Management • 1st party collections • 3rd party collections • Early Stage, Late Stage & out-of-stat • Consumer collections • Commercial collections • Debtor & Vendor Data Administration • Reporting & Analysis • Skip tracing • Appointment Setting Campaigns • B2B and B2C Sales • Cross-selling • Lead Generation • Up selling • Order Taking • Membership Renewals • Data Mining / Contact Verification Apart from above services, MSB has a rich collectivein-house experience of 40 plus years gathered across geographies, in diverse lines of businesses within the contact center domain including voice – non voice, in bound – outbound, back office to web, chat and email processes that is leveraged to our clients advantage at all times.

8. Recovery Solutions Overview

9. Overview ARM 3rd Party Collections ► Credit Card ► Mortgage & Student loans ► Utility Bill ► Purchased Debt ARM 1st Party Collections ► Credit Card ► Utility Bill Back Office ► Skip Tracing ► Data Mining ► Report Generation & Analysis

10. Collections Approach Account Segmentation • Aging – Collection Stage & Tenure in Collections • Debtor Profile – A/C Type, Credit Rating, Payment History • Balance Range – High Balance, Mid Balance & Low Balance • Contact Information – Valid Phone Nos & Address Account Treatment • Collection Specialist – Skill Based A/C Assignment to Collectors • Skip Tracing – Data & Voice based Skip Tracing • Lettering Strategy – Initial, Hard Dunning & Settlement Letters • Negotiation – Money Sources & Payment Options Results • Yield – High Yield per account & per $ placed • Profitability – Higher collections per collector

11. 1st Party Collections CONSUMER ACCOUNTS SMALL BIZ ACCOUNTS CURRENT ACCOUNTS ACCOUNTS RECEIVABLES CANCELLATION REVIEW COMMERCIAL ACCOUNTS Out of Pattern Unbilled Accounts Up to 90 Days Unbilled Accounts Up to 120/180 days Unbilled Accounts Scope of Work: » Increase payment rates while ensuring customer retention » Focus on customer satisfaction » Shorten outstanding cycle

12. 3rd Party Collections Profile Accounts Primary Placement CREDIT CARDS Secondary Placement Tertiary Placement UTILITY BILLS Purchased Debt STUDENT LOANS / MORTGAGES Scope of Work: » Increase recoveries within specified time-frame » Maintain compliance » Offer reduced cost of recovery

14. Infrastructure & Employee Management

15. Infrastructure • Seating capacity of over 500 agents in one shift. • Over 20,000 square feet of operational floor. • Over 150 employees spread across senior management, operations and support. • Presence in US, Australia and UK • Robust Business Continuity set up • Highest standards and practices to ensure data and information security • International standards of Operation Support • COPC / BS7799 / ISO methodology based functional processes • 100% power backup Fully integrated call center environment.

17. VCIPLC Architecture

27. Performance Overview

30. Portfolio Summary – Small balance Portfolio type: Utilities - Tertiary placement (3 yrs since CO)

31. Portfolio Summary – Small balance(~$500) Portfolio type: Utilities (Gas Card) - Tertiary placement (OOS)

32. Why MSB? Between 25% - 65% of cost savings on direct costs , with no additional costs on training/infrastructure while giving an overall 10% - 25% more efficient results. Financial Perspective (Cost Benefit of Upto 65%) • Proven project management & transitioning methods • Use of status reports & AIR logs to ensure critical & non-critical issues are resolved in a timely manner • Quick Ramp up / Ramp down time Faster Turn Around Time (Detailed documentation) • Dedicated Manager for your process to keep you informed on every aspect of the process • Clients needs and requests given highest priority • Invitations to visit the site Best In Class Customer Service • Focus on key issues • Key operational drivers • Key business constraints Balanced ScoreCard Approach (To Manage SLA’s)