G R O U P ADVANCED DEBT SOLUTIONS

HISTORY 1 G R O U P 09/0702/0904/1106/1103/07 Foundation First Commission Client First Portfolio Purchased Institutional Investor Joins the Group First Portfolios in Russia Purchased

OPERATIONAL FACTS 2 Since the foundation of the Group over 530,000 cases from over 70 debt originators were received and worked Number of Cumulatively Worked Cases, in ths G R O U P CASES RECEIVED About 65% of assets originate from banks ASSET SEGMENTATION The Group employs more than 400 personnel STAFF BREAKDOWN Administration (90)

HOW WE COLLECT 3 Remote contacts with debtors in order to stimulate payments On-site visits to defaulting customers to establish personal contact and convince them to resume payment The Group manages: Prosecution in courts Judicial Executive Service (Bailiff) Call Collection Field Collection Legal Collection Skip-Tracing G R O U P Recovery of contact information on debtors through the whole collection cycle DESCRIPTION OUR ADVANTAGES Variety of tools used (IVM, IVR, SMS, letters and phone calls) Over 5 million calls to debtors per month call attempts per hour by each operator Wide geographical coverage Well-trained qualified staff Focus on individual solutions Highly professional lawyers Extensive experience with law enforcement state bodies Debts are recovered through call, field and legal collection stages