1. Peter Rafferty, Chief Executive Officer, FutureSoft Back to basics

2. The Dodo was a flightless bird that went extinct in the 1700s due to its inability to adapt

3. A wise man adapts to circumstances, as water shapes itself to the vessel that contains it -- Chinese Proverb

4. Over-regulation EAOs EAOs Season 2 Debt Collectors Act Authenticated DO’s Affordability

5. EAO’s Season 1 The University of Stellenbosch vs Flemix & Associated Incorporated

6. EAO’s Season 2 Western Cape employers are exempt from servicing EAOs issued outside province

7. Debt Collectors Act Debt Collectors Amendment Bill 2016

8. Debt Collectors Act All lawyers are equal … … but some have to register as debt collectors

9. Peter Rafferty, Chief Executive Officer, FutureSoft Debt Collectors Act Common Law In Duplum Section 103 Is there another type?

10. Peter Rafferty, Chief Executive Officer, FutureSoft Debt Collectors Act 15. (1) A debt collector may be found guilty of improper conduct if he or she, or a person for whom he or she is vicariously liable - (g) charges collection costs, an initiation fee, service fee, default administration charges or other charges which exceed the unpaid balance of the principal debt at the time of default;

11. Peter Rafferty, Chief Executive Officer, FutureSoft Debt Collectors Act What fees are lawyers allowed to charge? How is the Credit Provider’s relationship with the attorney affected? Does the proposed Bill cover collections that originate from delictual actions?

12. Peter Rafferty, Chief Executive Officer, FutureSoft What over-regulation?

13. Do we adapt? … or do we die?

14. I prefer to adapt “The trademarked and copyrighted Rafferty Five- step Survival Plan for the debt collection and recovery industry, aimed at adaption of the unadaptable in a time where adaption is required” Short name: 5 Step Survival Plan

15. Use technology to handle the volumes 5 Step Survival Plan

16. Use soft collection techniques unless absolutely necessary 5 Step Survival Plan Call Centres Affordability Voice recording

17. Peter Rafferty, Chief Executive Officer, FutureSoft Understand the rules and stick to them 5 Step Survival Plan

18. Peter Rafferty, Chief Executive Officer, FutureSoft Don’t be greedy 5 Step Survival Plan

19. Peter Rafferty, Chief Executive Officer, FutureSoft The good guys need to get rid of the bad guys who tarnish our industry 5 Step Survival Plan

20. Peter Rafferty, Chief Executive Officer, FutureSoft Thank you