1. Instant Bank Verification Providing real-time bank verification & status BalanceChek, ClearChek & PRBC see

3. IBV will change the UK lending industry! Proprietary technology that verifies a borrower’s bank account in real time, allowing a lender to immediately and automatically assess the risk and bank account status of their applicants.

4. Boost Loan Portfolio Value & Performance. IBV instantly verifies: Existence of a bank account Time the account has been active Account credits Frequency of direct debits Insufficient funds overdraft (OD) status Balance + or – in £100 increments Real-time access to over 20,000 financial institutions Worldwide.

5. How it works…

6. See it in action… Applicant goes online and searches for a loan… …arrives at a lending provider’s site either organically or through a lead generator

7. See it in action… A button (link) is inserted into the lenders page for the applicant to verify their bank information with the IBV process Applicant fills out loan questionnaire Studies show a 70% click rate

8. Screen overlays the lender’s site Policy & terms are accepted Information is pre-populated from lender site See it in action… IBV is the product and process for the lender. PRBC is the applicant’s end-user interface

9. Policy & terms are accepted See it in action… IBV is the product and process for the lender. PRBC is the applicant’s end-user interface Verification interface can even be pushed to the user for completion via mobile device or kiosk.

10. See it in action… Challenge questions are presented, if any Applicant inputs personal bank information

11. Session is ended by applicant A ‘Thank You’ from PRBC is sent out to applicant Unbiased data is sent to lender for a loan decision See it in action…

12. Applicant automatically returns back to lenders page for loan decision See it in action…

13. Distinct Advantages Better Data Direct access to the bank account data A true, real-time picture of the applicant. Speed 1 second up to 1 minute Comparable verification calls can take up to 20 minutes. Information is available 24x7. Cost A fraction of the cost of current loan decision making Comparable traditional loan making decisions cost up to £15.00.

14. Add on Products BalanceChek During the recovery process lenders can check to see if the cheque will clear and if not how much can be drawn. Available via batch and/or API Leads to a better relationship with the bank.

15. Add on Products Other add-ons coming soon… ClearChek Lenders can now check to see if the cheque cleared so another loan can be issued.

16. see payment reporting builds credit

17. Payment Reporting Builds Credit Unlike traditional credit scores that are based solely on how well consumers have managed certain kinds of loans and credit cards, the PRBC Alternative Credit Score proves their financial responsibility through other means, such as paying rent, utility, phone/cable, insurance and other bills every month. The payment histories for these are utilised to create a PRBC Score which reflects consumer behaviour and habits.

18. Contact me for more information Simon Williams Managing Director Office: 01905 670 790 Email: simon_williams@microbilt.co.uk www.microbilt.co.uk