The Charlbury Group (TCG)

Agenda Introductions Background on The Charlbury Group & AMS Arrears Management System AMS: Field Agent AMS: Litigation AMS: Asset Manager Questions Next Steps

About Us Based in Kidlington, Oxfordshire Independent, specialising in providing IT solutions in the housing and financial sector Management team of mortgage and technology specialists in lending, arrears and IT Established over eight years ago Work with a number of well known brands including Lenders, Field Agent Companies, Contractors, Asset Managers and Litigation Solicitors Have built and maintain an established platform used by many UK lenders

A small selection of our Partners 4

A small selection of our Partners 5

AMS is a web based distribution and information collection system Overview of AMS AMS is a web based distribution and information collection system Lender AMS Litigation Solicitors Contractors Asset Managers Field Agents 6

AMS Key Points Lenders maintain full control of instruction distribution to Lenders supplier panel with an easy to use allocation engine Tailored independent and aggregated management information Exception reporting based on Lenders working methods Little or no IT work required by Lenders One connection provides multiple connections Full audit trail Secure data transmission Low cost Passed numerous lender due diligence and penetration tests

The Role of TCG Lenders choose, pay and manage the relationship with suppliers All data and case information is the property of Lenders or the supplier TCG has already built/builds connectivity with Lenders suppliers The level of connectivity depends on the suppliers ability and business process TCG does not charge for building an interface The majority of connectivity is a full XML interface Creating interfaces removes double keying which reduces cost and errors

Connectivity Connectivity is about understanding the process and needs of all suppliers as well as building IT links TCG always strives to build a great relationship as well as full XML interfaces with all of its partners The majority of TCGs partners have built full XML interfaces already TCG will work with whatever type of interface that the supplier prefers A web based data capture screen is viewed as a short term solution whilst we assist the supplier build a full interface

AMS: Field Agent

AMS: Field Agent AMS Lender Lender-controlled Allocation Engine Full Management Information suite Reports and Management Information can be returned automatically to Lenders. Field Agent Firm Field Agent Firm Field Agent Firm 11

Key Features Lender-controlled allocation process based on your own rules TCG can work with any type of data feed from Lenders Data security - all data is encrypted before transmission Little or no double keying as data is self populated into the Field Agent Companies workflow systems Automatic instruction receipt confirmation from Field Agent Companies Automatic return of report from Field Agent Companies systems Full audit trail A single integration to instruct multiple Field Agent Companies

Management Information (MI) MI packs fully tailored to Lenders business needs and can include:   Number of instructions sent to each Field Agent Companies Number of reports returned by each Field Agent Companies Time taken to return reports by FAC Percentage of customers contacted Reason for arrears Percentage of income and expenditure forms completed Number of ‘arrangement to pay’ made Type of arrangement made (i.e. mortgage payment plus additional amount) Performance MI can be used to drive future instruction allocations Please see sample MI pack for more details

Costs No set up fees or on-going development fees for anyone Time Cost – Agreeing definition dictionary for aggregated MI Limited I.T. / No I.T. work required by Lenders as we have built the pipe work and many of the direct connections already Field Agent Companies pay TCG £2.95 plus VAT for all returned reports (they only pay when they are getting paid) Field agent companies may be margin sensitive when the lender fees are below the market norm

Some field agent system users

AMS Summary Ease and control of instruction distribution Independent and aggregated management information Little or no IT work required by Lenders One connection to AMS provides multiple connections to suppliers Full audit trail Secure data transmission Low cost The AMS platform is the only established working platform across litigation, asset management and field agent suppliers TCG happy to provide (encourage you to contact) referees

Questions ?