Capone Banking – Debt collection software for banks and credit institutions 1 Capone Banking …to reduce your bad debt Presented by Advantage Software Factory September 2007

Capone Banking – Debt collection software for banks and credit institutions 2 About Us  Our Mission is to help organizations to better serve their customers.  Our Vision is to became the most important provider of customer centric solutions in Romania until the end of 2009  Advantage Software Factory is the 1st Oracle Certified Partner in Romania on iTrack (Oracle Technologies, since July 2002)  ISO 9001 Certified Company (certification issued by Lloyd’s Register Quality Assurance)  Business Lines: Collection Systems | Custom Development | CRM AnytimeCRM

Capone Banking – Debt collection software for banks and credit institutions 3 Capone Banking  Capone is an enterprise collection system that enables the collection departments to control, manage and automate the collection processes of the company while reducing the bad debt.  Capone Banking helps the bank to reduce the bad debt and improve the cash flow while optimizing the collection cost.  Capone is the leader of the collection software market with more than 2500 active users in 7 of the most dynamic companies in Romania.  Collection stages: Early Collection, Late Collection, Legal.

Capone Banking – Debt collection software for banks and credit institutions 4 Capone Implementations  Vodafone Romania  Unicredit - Tiriac  ING Bank  Credit Europe Bank Romania  Credit Europe Bank Ukraine  Credit Europe Financial Services  Rompetrol Downstream  EOS KSI Romania  EOS KSI Slovakia  EOS KSI Greece  EOS KSI Hungary  Millennium Bank AnytimeCRM

Capone Banking – Debt collection software for banks and credit institutions 5 Awards – Capone Banking February 2007  Advantage Software Factory won the prize for the best product at e-products/services category with Capone Banking solution. The prize was received during the Annual Galla Awards: “e-Finances Prizes” “the true winners of this prize are the banks who can grow, without risks, the credit level using Capone Banking debt collection software”. Stefan Paun – General manager ASF

Capone Banking – Debt collection software for banks and credit institutions 6 Capone Banking – Why ? Benefits Cost Reduction / More Value > Control and reduction of bad debt; > Starting point to evaluate the collection cost; > Improve the cash flow; Customer Care/ Public Image > Fair treatments for all your customers. > Fair Play; > Information for customers in order to prevent the delinquency; > History of the collection relationship with the client; Capone helps the organizations to reduce the bad debt and improve the cash flow while optimizing the collection cost; Operational > Total control of the collection processes through flexible collection strategies definition; > Increased effectiveness of the collection process; > Informed decisions through reports; > Capture the best practices and business rules; > Integrated collection no matter the products; Technical > Very scalable, grows with your business; > Supports clustering and failover; > Developed using industry standards, runs on all major existing platforms; > Standard interfaces with existing systems;

Capone Banking – Debt collection software for banks and credit institutions 7 Capone Banking – How ? Features Payment Agreements > Payment Schedule > Discount/Adjustment actions when kept or broken Letter Generation & Printing Powerfull feature available with two options: > standard built in module (for up to letters/day) > printing factory gateway Flexible Hierarchy > Up to three levels of hierarchy to accommodate specific requirements for different industries. Payment Allocation > automated/predefined criteria > manual allocation Built in Report Generator > Allow non technical users to define and run reports from Capone. > The report generator is tightly integrated to security framework so the users are allowed to see only the reports they have access to. Timeline/Collection Strategies > Flexible definition of automated collection steps. > Graphical representation of the timeline definition > Graphical representation of the collection status on account Multicurrency > Balances and payments are expressed in original currency. > Functional Currency for reporting purpose and timeline criteria definition. Interfaces > Interface enabled to IVR, Dialer, SMS Gateway, Fax Server, Printing Factory, SMS Connector to GSM providers. > Interface enabler to relevant core business systems: Core Baking, Invoicing, CRM. Queues Management > Core functionality of the system that allows the distribution of workload among different collectors according to allocation rules. Insurer Relationship > Implementation of specific strategies according to insurance agreements > Timelines based on annuity Security > Part of FAST framework allows segregation of duties based on specific user rights and roles.

Capone Banking – Debt collection software for banks and credit institutions 8 Collection Entity 2 nd Level 3 rd Level Example: Collection Entity >> Credit Contract >> Person Flexible Hierarchy on 3 levels

Capone Banking – Debt collection software for banks and credit institutions 9 Send 1 st SMS Day 1 Day 7 Day 14 Send 2 nd SMSCall #1 Day 21 Send 1 st Letter Day 52 Send 2 nd Letter Day 90 Late Collection Enter Timeline Exit Timeline Configurable collection strategies

Capone Banking – Debt collection software for banks and credit institutions 10 Queues AllocateSortPrioritizeFilterConsume Queues Management

Capone Banking – Debt collection software for banks and credit institutions 11 Core Banking/Card System CRM Server SMS Server Fax Server Letters Generation Collection System Collection Actions Contact Info Debts/Penalties Payments Customer Info Updates Letter Templates Faxes SMS Templates Integration architecture

Capone Banking – Debt collection software for banks and credit institutions 12 Advantage Software Factory address: Bd. Dimitrie Pompei nr 9-9A, 3 rd floor Bucharest Romania phone: fax: web: Contact Us