The Charlbury Group

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 five 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

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

AMS Key Points Lender maintains full control of instruction distribution to your supplier panel with an easy to use allocation engine Tailored independent and aggregated management information Exception reporting based on your working methods Little or no IT work required by you One connection provides multiple connections Full audit trail Secure data transmission Low cost

The role of TCG Lenders choose, pay and manage the relationship with suppliers All data and case information is the property of the Lender or the supplier TCG has already built/builds connectivity with numerous 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 via a full XML interface Creating interfaces removes double keying which reduces cost and errors

BCP, DR and Security TCG hosts systems in 2 secure data centres with a fully managed environment Data replicated in near-realtime to DR data centre Familiar with lenders policies on BCP and security Server and computers managed by Active Directory SSL used to encrypt data for external access. Firewalls to secure all network access to the outside world Registered for data protection, with regular training In last 5 years we have NOT had any unscheduled down time in working hours.

AMS Field Agent

AMS Field Agent Lender AMS: Field Agent Field Agent Firm  Lender-controlled Allocation Engine  Full suite of Management Information  Reports returned automatically

Key Features Lender-controlled allocation process based on your own rules AMS: Field Agent can work with any type of data feed from a lender Data security as 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 Management Information returned from the system directly to a Lender includes: –Number of instructions sent to Field Agent Companies –Number of reports returned by Field Agent Companies –Time taken to return reports by Field Agent Companies –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 IT / no IT work required by you 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 Field agent companies may be margin sensitive when the lender fees are below the market norm

Some AMS: Field Agent users PDP

AMS Summary Ease and control of instruction distribution Independent and aggregated management information No IT work required by you 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