1. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 1

2. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 2 Accelerator Pack 12.2 Loan Syndication

3. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 3 Agenda Introduction Products Features Product parameters Events Covered Advices Supported Reports Supported

4. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 4 Loan Syndication System that facilitates complexed loan syndication business, with an intuitive user interface that is specially targeted to the loan syndication business. The Primary function is to accept the deposits from participants and lend it as drawdown's to borrowers. Unified System with close to 1000 Participants processing set-up. Definition of Income sharing ratio among the participants on Pro-rata and Non-Pro rata basis as part of Liquidation. Introduction

5. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 5 Loan Syndication Loan Syndication products offered by banks can be for Fixed or Floating interest rate Bullet schedule or with certain repayment frequency Job process and Online process of participant contracts. Cascade or Non Cascade participation. Revolving and Non-Revolving type of contracts. Loan Syndication is classified in three levels: Facility Level Tranche Level Drawdown Level

6. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 6 Borrower Facility Product Borrower Tranche ProductParticipant Tranche Product Borrower Drawdown Product Participant Facility Product Participant Drawdown Product Loan Syndication Maintenance Hierarchy

7. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 7 Products Features

8. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 8 Loan Syndication Features-Facility Level First Stage of Syndication Loan. Parties Involved in the Syndication are captured. No Cash out flow to the Borrower. Asset ratio of Participants is defined at this stage of the Syndication. Income ratio of fee components are captured. Income to Participants at this stage of the Syndicated loan is only through fee. Only User Input fee component is captured in this stage. Distribution of Adhoc fees to participants as part of Adhoc charge liquidation. No propagation of Agency Fee component to participants since it is meant for Lead agent.

9. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 9 Loan Syndication Features-Tranche Level Second Stage of Syndicated Loan. Contingent Entries are passed at this stage of Syndicated Loan. Defined of asset ratio across participants. Income to the Participants is only through Fees/Charges/Interest. Adhoc fees and Derived fees are captured at this stage of Processing. Admin charges are collected as part of Contract Initiation. Syndicated tranche can be Revolving or Non Revolving. Cascade Participation can be yes or no. Cascade Participation-Yes, Then any changes to the participant ratio at tranche will impact the linked drawdown's under tranche.

10. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 10 Loan Syndication Features-Tranche Level Cascade Participation-No, Then any changes to the participant ratio at tranche will not impact the existing drawdown's linked under the tranche. Back dated changes to the contract are allowed in this stage of the contract. Applicability of backdated, current dated and future dated processing. Specification of Credit Limit for Borrower and Participants through Currency Restriction. Margin Rate Maintenance captured in the tranche. Generation of Advices at transaction level Generation of self participant Commitment contract based on the mapping of LS-CL Products.

11. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 11 Loan Syndication Features-Drawdown Level Final Stage of Syndicated Loan. Cash Outflow to the Borrower happens at this Stage. Backdated, Current dated and Future value dated processing. Income to the Participants is through Interest, Fees and Charges Provision of Cross Currency Disbursement, based on the Borrower Currency restriction defined. Book charge and Drawdown charges are collected in this stage of Syndication Loan. Participant Ratios defaults from the tranche to the drawdown contract in both Cascade Y and N type of linked tranches. Updation of the balances in the tranche contract are based on various activities performed at the drawdown contract.

12. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 12 Loan Syndication Features-Drawdown Level Distribution of Income to the participants based on the Income ratio mentioned in the drawdown. Participant transfer can happen in the Drawdown's under Cascade N type of Tranche. Margin Rate Maintenance captured in the drawdown. Drawdown contract can be booked as a simple or an amortized. Drawdown contract can be booked with a fixed or floating interest rate Pre-payment can be done for the drawdown contract. Generation of Advices at transaction level. Generation of self participant asset contract based on the mapping of LS-CL Products.

13. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 13 Product Parameters

14. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 14 Product Parameters-Borrower Facility Level Preferences: Borrower Tranche Product: Used for creating the Borrower tranche contracts. The corresponding participant side product is also shown if it is has been mapped against a participant product. Borrower Drawdown Product: Used for creating the Borrower drawdown contracts. The corresponding participant side product is also shown if it is has been mapped against a participant product. Offset Product: Displays the Participant product using which the participant Facility contracts are created. Linkage happens at the participant side when the participant product is created.

15. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 15 Product Parameters-Borrower Facility Level Diary Event: User can associate various diary events to the product. Party Type: User can associate various party types to the product. At contract level, the user can map the parties. Adhoc Charges: User can map the maintained adhoc class code components. Branch and Currency Restriction: User can define branch and currency restrictions on Facility contracts. Customer Category and Customer Restriction: User can define Customer and Customer category restrictions on Facility contracts.

16. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 16 Product Parameters-Borrower Tranche Level Disbursement Mode: The following modes of disbursement are supported Auto Liquidation Mode: The following modes of Liquidation are supported Auto Manual Component (Independent mode for each component- auto/manual)

17. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 17 Product Parameters-Borrower Tranche Level Tenor / Frequency for Disbursement The following types of settlement frequency are supported : Daily Tenor / Frequency for Liquidation The following types of settlement frequency are supported : Daily Weekly Monthly Quarterly Half-yearly Yearly Bullet

18. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 18 Product Parameters-Borrower Tranche Level Value Dating: The following types of value dating is supported for various activities on tranche contracts like disbursement, payment etc: Current Date Back Date Future Date

19. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 19 Product Parameters-Borrower Tranche Level Component Types: Various types of components are supported in Tranche products apart from the Principal and Interest. The typical component types are: Charge component Fees component Tax Participant Propagation Required: This determine whether the income collected from the borrower needs to be passed onto the participants.

20. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 20 Product Parameters-Borrower Tranche Level Diary Event: User can associate various diary events to the product. Party Type: User can associate various party types to the product. At contract level, the user can map the parties. Branch and Currency Restriction: User can define branch and currency restrictions on Tranche contracts. Customer Category and Customer Restriction: User can define Customer and Customer category restrictions on Tranche contracts.

21. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 21 Product Parameters-Borrower Tranche Level LS Preferences: Participant Product- Displays the Participant product using which the participant Tranche contracts are created. Exchange Rate Fixing Days- User can define the no of days before the drawdown date to fix exchange rate for the drawdown booked under tranche. Applicable only if tranche contract currency is different from drawdown contract currency. Interest Rate Fixing Days- User can define the no of days before the drawdown date to fix interest rate for the drawdown booked under tranche. DD Notification Days- User can define the no of days before the drawdown date that the customer needs to inform the bank of new drawdown or reset of interest rates.

22. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 22 Product Parameters-Borrower Tranche Level LS Preferences: Cascade Participation- Option is chosen, then system will propagate any changes in participation of a tranche to all its related active drawdown. For such tranches, the user will not be allowed to change the participants at drawdown level. Exchange Rate Holiday Currency- User can define currency which will be applied to calculate the exchange rate fixing days or date. Interest Rate Holiday Currency- User can define currency which will be applied to calculate the interest rate fixing days or date. Notice Holiday Currency- User can define currency which will be applied to calculate the notice rate fixing days or date. Holiday Default Basis- Indicates the schedule holiday treatment and maturity holiday treatment of tranche should default from the product, Facility.

23. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 23 Product Parameters-Borrower Tranche Level LS Preferences: Utilization Revaluation Required- Indicates whether tranche utilization should be revalued, when drawdown currency is different from tranche currency. Frequency for Revaluation- The following types of Revaluation frequency are supported : Daily Monthly Quarterly Half-yearly Yearly

24. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 24 Product Parameters-Borrower Tranche Level LS Preferences: Revaluation Rate Code-Indicates the exchange rate code using which the drawdown amount will be converted from drawdown currency into the tranche currency. Revaluation Rate Type-Indicates the exchange rate type using which the drawdown amount will be converted from drawdown currency into the tranche currency. The following values of Revaluation rate type are supported : Mid Buy Sell Revaluation Start Month and Start Date-User can specify the month and date for commencing the revaluation process for the frequency selected.

25. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 25 Product Parameters-Borrower Drawdown Level Simple Bearing: Typically used for corporate customers. Amortized: Typically used for retail customers. User Defined : The user can define the formula for requirements other than the above mentioned types of interest calculation. The following types of Interest Calculation Methods are supported:

26. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 26 Product Parameters-Borrower Drawdown Level Disbursement Mode: The following modes of disbursement are supported Auto For disbursement, the following types of Credit Settlement modes are supported: CASA Clearing External Account

27. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 27 Product Parameters-Borrower Drawdown Level Liquidation Mode : The following modes of Liquidation are supported Auto Manual Component (Independent mode for each component- auto/manual) For Liquidation, the following Debit Settlement modes are supported CASA (with / without balance) Clearing External Account

28. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 28 Product Parameters-Borrower Drawdown Level Tenor / Frequency for Disbursement The following types of settlement frequency are supported : Daily Tenor / Frequency for Liquidation The following types of settlement frequency are supported : Daily Weekly Monthly Quarterly Half-yearly Yearly Bullet

29. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 29 Product Parameters-Borrower Drawdown Level Value Dating: The following types of value dating is supported for various activities on drawdown contracts like disbursement, payment etc: Current Date Back Date Future Date Preferences for settlement of components: Each component across schedules All components for each schedule

30. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 30 Product Parameters-Borrower Drawdown Level Component Types: Various types of components are supported in Drawdown products apart from the Principal and Interest. The typical component types are: Charge component Fees component Penalty component (on over dues and prepayment) VAT Additional Interest Component Margin Participant Propagation Required: This determine whether the income collected from the borrower needs to be passed onto the participants.

31. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 31 Product Parameters-Borrower Drawdown Level Interest Rate: The interest rate can be of two types:- Fixed rate Floating Rate The revision of interest rate in case of a floating rate can be done through the following methods: Automatic Rate Revision Periodic Rate Revision (user defined schedules)

32. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 32 Product Parameters-Borrower Drawdown Level Margin Rate Basis: Defined at the component level is of three types:- Margin Facility Basis-System at the time of interest rate fixing will default customer margin from the facility to which the drawdown is linked. Margin Tranche Basis-System at the time of interest rate fixing will default customer margin from the Tranche to which the drawdown is linked. Margin Drawdown Basis-System at the time of interest rate fixing will default customer margin from the Drawdown. The revision of Margin floating rate can be done through the following methods: Automatic Rate Revision Periodic Rate Revision (user defined schedules)

33. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 33 Product Parameters-Borrower Drawdown Level Amendment Options: The following operations are supported for Drawdown contract amendment: Interest Rate amendment Changing maturity date Schedule amendment Non-financial details Repayment amount

34. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 34 Product Parameters-Borrower Drawdown Level Rollover Options: The user can perform rollover on a drawdown contract once it reached maturity. Two Rollover modes are supported: Auto Manual Apart from regular rollover, the following types of rollover are supported: Special Rollover(Auto) : Rollover for a fixed amount. Custom Rollover(Auto) : Rollover of select components. Consolidated Rollover(Manual) : Multiple accounts can be consolidated to form one new account. Split Rollover(Manual) : Split one account to form multiple new accounts.

35. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 35 Product Parameters-Borrower Drawdown Level Diary Event: User can associate various diary events to the product. Party Type: User can associate various party types to the product. At contract level, the user can map the parties. Branch and Currency Restriction: User can define branch and currency restrictions on Drawdown contracts. Customer Category and Customer Restriction: User can define Customer and Customer category restrictions on Drawdown contracts.

36. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 36 Product Parameters-Participant Side Linked Borrower Product: User can link the Borrower product to the Participant product. Branch and Currency Restriction: User can define branch and currency restrictions on Participant contracts. Customer Category and Customer Restriction: User can define Customer and Customer category restrictions on Participant contracts.

37. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 37 Product Parameters-Participant Side Diary Event: User can associate various diary events to the product. Adhoc Charges: User can map the maintained adhoc class code components. Events: User will be allowed to define the accounting entries for the interest and charge components for which participant propagation is chosen.

38. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 38 Product Parameters-Participant Side Preferences: Auto Collection- Indicates whether the collection should be done automatically from the participant. Applicable for tranche and drawdown type of products. Auto Initiation- Indicates whether the amount received from the borrower of the syndication contract will be disbursed automatically. Applicable for all products.

39. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 39 Events Covered

40. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 40 Events Covered-Borrower Facility Level EventsDescription ADBKAdhoc Fee Booking ADCHAdhoc Charge Liquidation ADNTAdhoc Fee Notice Generation RADCAdhoc Fee Reversal

41. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 41 Events Covered-Borrower Tranche Level EventsDescription ADBKAdhoc Fee Booking ADCHAdhoc Charge Liquidation ADNTAdhoc Fee Notice Generation ALIQAuto Liquidation BOOKContract Booking CLOCClosure of Commitment DLNKRelease of Linkage to Loan DSBRDisbursement INITContract Initiation LINKLinkage to Loan MLIQManual Liquidation PRAMParticipant Amendment VAMBValue Dated Amendment Booking VAMIValue Dated Amendment Initiation

42. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 42 Events Covered-Borrower Drawdown Level EventsDescription ADBKAdhoc Fee Booking ADCHAdhoc Charge Liquidation ADNTAdhoc Fee Notice Generation ALIQAuto Liquidation BOOKContract Booking DNOTDrawdown Notice Generation EXFXExchange Rate Fixing DSBRDisbursement INITContract Initiation IRFXInterest Rate Fixing MLIQManual Liquidation PRAMParticipant Amendment VAMBValue Dated Amendment Booking VAMIValue Dated Amendment Initiation

43. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 43 Events Covered-Borrower Drawdown Level EventsDescription ROBKRollover Booking ROCLConsolidated Rollover ROLLRollover of Contract ROSLSplit Rollover NOTCBilling Notice Generation REVNRate Revision

44. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 44 Events Covered-Participant Side EventsDescription BOOKContract Booking INITContract Initiation DSBRDisbursement LIQDLiquidation DNOTDrawdown Notice Generation EXFXExchange Rate Fixing IRFXInterest Rate Fixing ROLLRollover of Contract ADCHAdhoc Charge Liquidation RNDPRounding Profit RNDLRounding Loss MRGPSkim Margin ROBKRollover Contract Booking ADNTAdhoc Notice Generation

45. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 45 Advices Supported

46. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 46 Advices supported-Borrower Tranche Level AdvicesDescription ADHOC_FEE_NOTCAdhoc Fee Notice PART_PAYMENTADVPayment Advice LS_BILLNOTCBilling Notice

47. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 47 Advices supported-Borrower Drawdown Level AdvicesDescription ADHOC_FEE_NOTCAdhoc Fee Notice PART_PAYMENTADVPayment Advice LS_BILLNOTCBilling Notice DRAWDOWN_NOTCDrawdown Notice BORR_EXFX_ADVExchange Rate fixing Advice BORR_IRFX_ADVInterest Rate fixing Advice LS_REVN_NOTCRate revision Notice

48. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 48 Advices supported-Participant Side AdvicesDescription MT643Drawdown Notice MT644Exchange Rate fixing Advice MT644Interest Rate fixing Advice MT645Adhoc Fee Liquidation MT646Interest/Principal Payment advice

49. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 49 Reports Supported

50. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 50 Reports Supported Reports Participant Drawdown Contribution Report Participant Tranche Contribution Report Tranche Drawdown Detail Report Facility Borrower Contact Detail Drawdown Borrower Contact Detail Active Facility Drawdown Detail Facility Utilization Detail Report Participant Transfer Detail Report Facility Detail Report Tranche Borrower Report Drawdown Interest Due Report

51. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 51

52. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. Confidential – Oracle Internal 52