4. Antrim Ballymena Ballymoney Bangor Belfast Central Belfast East Belfast North & Newtownabbey Belfast South & West Carrickfergus Causeway Coast Dungannon Foyle Larne Lisburn Lurgan Mid Armagh Mid Down Mid Ulster Newry & Mourne Newtownards West NI

5. Organisation overview o 301 debt centres nationally o All centres supported by Head Office in Bradford o Currently handle >£54m non-priority debt o What we offer: Budget and Priority Payments Non-Priority Payments Continued Client Support Insolvency Specialist Advice

6. Process overview Client supported from Head Office until debt free Client continues paying into CAP Plan as agreed and sends in any paperwork received Ongoing reassessment of budget and negotiation with creditors as required Home visit 3: Debt advice Client starts paying into CAP Plan Client is transferred to long-term support team and secondary creditors contacted Home visit 2: Gathering information and paperwork Budget created at Head Office and priority creditors contacted Home visit 1: Introduction Client collects paperwork Client phones booking line

7. The CAP Plan o Pay in weekly, fortnightly or monthly o Automated payment system Priority debt repayments Non-priority debt repayments All bills (if necessary) o Savings

8. It’s free For everyone We visit people in their homes Collect all their paperwork Produce a budget and options Negotiate with creditors Support people until they are debt free Organisation overview CAP Overview

9. Any questions? ?