Consumer Credit Model

Cooperation Strategy

CONSUMER FINANCE …strategic partner searching

Кiev 2009

Content Idea of cooperation Overview......................................................................3 Sphere of activity.........................................................4 Our projects.................................................................5

*Consumer Credit Model: Model………………………………….…….................. Managment, system Segment Decision factors Products Credit risk – proccess Monitoring, debt collection IT System

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IDEA OF COOPERATION

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Overview

EXPERTFINANCE LLC specializes in creating, launching and managing financial companies. We implement projects through active participation as managers or shareholders, therefore WE TAKE THE RESPONSIBILITY FOR THE RESULTS.

Our team has big experience in launching successful projects. We manage big databases (EC 3 500 000 customers). We create efficient marketing and financial strategies (2006, 2007 – “Choice of the year BRAND” nominations). Our team knows how to manage projects. We run projects in 2 ways: - start-up, - actual projects modernization. The areas of our specialization are: Consumer finance, Leasing, Factoring, Financial Brokerage,

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Sphere of activity

Retail Banking Consumer Finance Financial Company

Leasing

SPV Consumer Finance

Retail bank

Factoring

Debt collection

Distribution of financial products

We are proffesionals in building financial structures around bank mainstream business like : CONSUMER CREDIT, LEASING, RETAIL BANKING, DEBT COLLECTION. 25.04.2009

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Our projects ТМ Eurocredit

(consumer credit, market leader , 3,5 mln clients Ukraine, 20032008)

Our PROJECTS

ТМ Eurofinance (leasing, 2nd place in Ukraine, 2005-2008)

Bautin Sp. z o.o. (Real estate investments, POLAND, 2001-) IRB (Retail Bank, Belarus 2006-2008) Bankier CPG (consumer finance, regional leader POLAND, 1997-1999)

Bankier PPF (leasing, debt collection POLAND 1997-1999) «Dogmat insurance» CC (Insurance, market leader Ukraine, 2005-2008) 25.04.2009

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Our ADVANTAGES

Our advantages

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PROFESSIONAL TEAM

• We have successfull projects

RESPONSIBILITY FOR RESULTS

• We participate in projects as managers or shareholders

FINANCIAL KNOW HOW

• We have necessary knowledge and success projects

IT SOLUTION

• We know how to build architecture of IT

SCORING MODEL

• We know how to build scoring models

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What we offer

COMPANY FUNDAMENTALS

What we OFFER

Consumer Finance quick market penetration cover all segments

a big database clients

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efficient financial marketing

CRM

National wide Market Leader

efficient business model

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What are we looking for?

Strategic partner

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Strategic partner A strategic partner for us is a Bank (or financial institution), which foresees in its strategy a development of Consumer Finance and which has necessary preconditions for implementation of this strategy.

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Thank you!

02068 Kiev, Koshitca Str., 9 B, office 7

Tel./fax: +380 44 594 31 89 е-mail: [email protected]