JS Credit Development Service Ltd.

1. JS-C D S L JS Credit Development Service Ltd.

2. Company Profile JS CREDIT DEVELOPMENT SERVICE LTD. ______________a leading business process outsource (BPO) services agency

3. JS -CREDIT DEVELOPMENT SERVICE LTD. JS –CREDIT DEVELOPMENT SERVICE LTD. History……………… The introduction of retail banking in Bangladesh has led the banking industry to the doorstep of embryonic prospects and potentials. Early 90’s the banks were aggressively pursuing their marketing strategy to take hold of new segments with purpose to discover new opportunities because the tremendous market competition makes the banks feel constantly improve their marketing mix. Thus, offering innovative products and service in the market are remarkably increasing. Consumer loans, is one of the outcomes of this continuous innovation which become a popular concept in Bangladesh as the living standard of people and economic growth are increasing. Standard Chartered Bank (SCB) is the pioneer for introducing this scheme and changes the scenario of the banking industry as a whole. After a period, a few local banks namely Islami Bank, Pubali Bank, Prime Bank etc., introduced same and making this industry more attractive. However with the involvement of both foreign and local banks the competition are on its peak. So only improving the product is not enough to be competitive in the market rather enhancing the service quality is also becoming very important. Considering the situation a few banks had to realize the needs of Business Process Outsource service that actually inspired us to invent JS –CDSL- a 1st generation BPO service company in our county. About us………….. JS Credit Development Service Ltd., is the leading “BPO” service provider company offering advanced business process outsourcing services to several organizations specially financial institutions seeking greater flexibility, higher operational effectiveness and low operating costs in our country Bangladesh. The company originally established in 1997 with a mission of providing credit management and recovery service for the financial institutes. Since then, we have been working as one of the appointed consumer credit (CLS) service provider of a largest private sector bank where we are totally committed to providing the best quality service utilizing the skills of our experienced team and negotiation tools..

4. Role & Function Business Process Outsourcing(BPO) is the outsourcing of business functions to achieve multiple benefits of cost reduction, enhanced quality and the capability to stress upon core competence. The various processes involved in the business process outsourcing are credit processing, customer service , credit & debt management. We offer a comprehensive package of services for our clients for the business processes and recovery related to Consumer credit. The services include: - Marketing and customer credit development - Application processing - Contact point verification & recommendation - Customer services ensuring fast disbursement - Recovery and legal support for clients • Products we operate/ handle: • - Consumer credit scheme • - Car Finance • - Professional loan • Apartment Loan • Agricultural equipment loan

5. Products of our client we operate/ handle as BPO service provider. All information as above are the property of our client and as per the current circular of our client/lender which may change time to time.

6. Management Team : • Our management team is backed by a group of long experience business professional and of 60 trained executives/ officers. All of them are bearing not less than 10-12 years experience in consumer credit marketing and recovery service. Our key management team is responsible for directing the strategic development of the company and driving new product and partnership opportunities. • Key Management: • Shamsul I. Babor, Chariman, BS and Graduate Diploma in MIS. Completed certificate course in Financial Management, from IBA, Dhaka. Obtained diploma in Effective Business Negotiation from AMBAI, USA. Founder and Chairman of JS Credit Agency- a business process outsourcing company providing micro/consumer credit loan operating program for one of the largest private sector bank in our country. He is the founder director of Investasia Capital & Asset Management Company, licensed by SEC as AMC company. • Engr. Iqbal A. Chowdhury, CEO & managing Director, Graduated in Chemical Engineering from BUET, Fellow of the Institute of Engineering, Bangladesh, Obtained diploma in Management from Romania. Beside, he has also completed mid level management diploma course from Germany. He was Production Manager of Buxly paints Limited during 1977-1978 and thereafter he worked for MuktijoddhaKallyan Trust as Manager. After having Post Graduate diploma from aboard, he started consultancy business in Project management. As CEO of JS Credit he is playing vital role, managing entire operation of Consumer credit scheme ( CLS) scheme of a large private sector bank for last 13 years . He is also Director of Investasia Capital & Asset Management Company. • AktarHssainRubel,, Manager, MA, 12 years experience in business operation, credit monitoring and debt recovery of consumer credit scheme. In JS credit, he is responsible for overall administration and monitoring activity of 31 branches nationwide. • Pinak Das, Masters in management, 10 years experience in business operation, credit monitoring and debt recovery of consumer credit scheme. In JS credit, he is responsible of overall admin and operational activity. • Moniruzzaman, BS, 5 years experience in marketing of consumer and retail making products Achievement A simple philosophy lies behind the success of JS Credit "Look after the clients and the business will grow” We at JS Credit, believe in delivering high quality product of our clients without confusing clients with jargon. Our personal service and no extra cost or service charge , other than the charge grants by our bank for us, sets us apart from other that lead us to take the responsibility of investing / distributing over BDT 140 crore of our employers capital with an average recovery not have ever touched the figure below 98.5%

7. Consolidated statement of our credit operation till May 2010 Recovery and debt collection: At JS -CDSL, we are totally committed to providing the best quality services by utilizing the skills of our experienced debt collectors. We set high standards throughout our recovery & debt collection operations and pride ourselves on providing an effective, efficient and fair debt collection service for our banker. We endeavor to enhance Bank’s own credit control department by working as a team with Bank in order to maximize cash flow & reduce your debt.

9. Nature of loan and type of borrowers we served Most of our clients are low income salaried parsons from Govt. semi govt. Organizations, Banks, Financial institutes, University and teachers community having salary range BDT 5000- 20000 per month. Low income group or salaried parsons are the major key clients who make CLSscheme of our client success.

10. Operational Network Our presence in 31 Nos. Consumer loan (CLS) operating branches of our bank that covers all the major districts. All CLS operating branches of the bank are computerized. All CLS branches equipped with skilled manpower & communication tools enabling us to monitor disburse and recovery from Head office. All CLS branches have our own legal advisor/ lawyer to provide legal service as and when necessary. Represents our CLS operating branches

11. JS CREDIT DEVELOPMENT SERVICES LTD. Head office: 13/17 Santinagar Bazar Road, Greenland Market, 2nd floor, Dhaka-1000, Tel 9355532,9331948, Fax. 8152886, Cel. 01713479988, email: jsforcredit@gmail.com