1. Hitachi Capital Consumer Finance Loan Amend Guide

2. What does ‘Loan Amend’ do for you? It allows you to amend ‘one’ or ‘several’ elements of a previously proposed application without the need for an additional customer application being made. Why is ‘Loan Amend’ good for you? Speeds up processing time Gives an automatic decision where possible Reduces the number of referrals that you get This presentation will run through the process of ‘Loan Amend’ and advise you of the various amendments that can be made. Loan Amend: A Brief Introduction

3. Click Applications and then List Applications Choose relevant Application Apply Amendment Change either Goods Price, Deposit or Term Click CalculateClick Amend Process to Amend Loan: Follow the steps To amend a loan go to List Applications You can only amend a loan if the funds have not been paid out to you the Retailer. If the monies have been paid out the amend function will not be available.

4. Click Applications and then List Applications Choose relevant Application Apply Amendment Change either Goods Price, Deposit or Term Click CalculateClick Amend Choose the relevant application that you would like to amend Choose the Application you would like to amend

5. Click Applications and then List Applications Choose relevant Application Apply Amendment Change either Goods Price, Deposit or Term Click CalculateClick Amend Click Amend to start making changes

6. Click Applications and then List Applications Choose relevant Application Apply Amendment Change either Goods Price, Deposit or Term Click CalculateClick Amend Making the relevant changes There are several amend options available to you: Goods price Deposit Term We will now run through each amend option individually

7. Click Applications and then List Applications Choose relevant Application Apply Amendment Change Goods Price Click CalculateClick Amend Calculating the Amendment: Goods Price The box on the right will appear advising of new amount, number of payments, amount of payment and APR Amend the goods price here and click calculate

8. Click Applications and then List Applications Choose relevant Application Apply Amendment Change DepositClick CalculateClick Amend Calculating the Amendment: Deposit Amend the deposit here and click calculate The box on the right will appear advising of new amount, number of payments, amount of payment and APR

9. Click Applications and then List Applications Choose relevant Application Apply Amendment Change TermClick CalculateClick Amend Calculating the Amendment: Term The box on the right will appear advising of new amount, number of payments, amount of payment, APR Amend the term here and click calculate

10. Click Applications and then List Applications Choose relevant Application Apply Amendment Change either Goods Price, Deposit or Term Click CalculateClick Amend Apply Amendment Once you have made the relevant amend, you will need to Apply Amendment for any changes you have made to be processed.

11. Click Applications and then List Applications Choose relevant Application Apply Amendment Change either Goods Price, Deposit or Term Click CalculateClick Amend Decision Accept Decision: Accept There are 2 amendment decisions. The example above shows an Accept. The amended application will be accepted if the following criteria has been met: Goods Price – if you increase the amount by no more than £50 or you have reduced the original amount Deposit – if the deposit meets internal policy requirements Term – if the term applies to your offering

12. Click Applications and then List Applications Choose relevant Application Apply Amendment Change either Goods Price, Deposit or Term Click CalculateClick Amend Decision Refer Decision: Refer If you increase the original amount by more than £50 then additional checks and searches will be required. Your application status will automatically go to ‘referred’ If the original application is older than 30 days your status will go to ‘referred’ The application will then follow the normal referral process (see local process or speak to your Line Manager)