PHAKAMANI DEBT COLLECTION SERVICES

PROPOSAL

Our Offer to you: 25% Excl. VAT Contingency Commission – Based on Successful recovery only Monthly reporting done by the 9th of each month All payments due to Cell C will be by the 9th of each month After 6 Months should the collection be unsuccessful, we hand back the account at no charge.

Collectively have over a century of experience National debt recovery Work with a variety of industriesFrom Current books to bad debtPre-Legal to LegalYear-On-Year Growth 40% collectionsYear-On-Year Growth 35% client base

Experience

Capacity

Building Size: 50%Collectors: 28% *Management: 35% *Systems and resources: 25%Admin Staff: 30%*Marketing: 50%

* Can be doubled based on interviewed and screened Staff

Currently at (of 100%) :

MembersExpertise includes: Law, Marketing, Project &

Business management.Personally give the training to all staffAre registered with the Council for Debt CollectorsEnsure a low staff turn over (4% per annum)

Expertise

CollectorsAre certified / Registered with the Council for

Debt CollectorsCollectively speak 8 out of 11 official languagesHave less than 500 accounts eachAre cycled between accounts (re: personality &

approach)

Admin

Capture and import accounts within 72hours.Respond to client enquiries within 24 hours

Success

Dr B Niewhoudt (GP): Successfully collected over 90% of total outstanding medical book handed over through our pre legal / soft collection process.

Makro (MassStores): Collection percentage exceeded 80% on all accounts handed over through our pre legal / Soft collection process.

Zone Life Gym: We were able to collect 72% more than the other collector on their panel.

MVS: Collected Over 6 Million Rand on Municipal accounts.

Variety of industries / Clients…

Registered with the Debt Collection Council in terms of the Debt Collection Act (114 of 1998)A Member of the Association of Debt Recovery Agents (ADRA)A Member of various Business ForumsBNI (Business Networking International)BEE Compliant (Level 4)

ApproachAffiliations

We at PDCS would like to ensure that all clients are retained in the following manner (Based on our Affiliations):

Soft Collections (Pre-legal)Monthly reportingDedicated client relations managersMonthly pay over to clientNon-threatening correspondenceBlack listing of debtors at no cost No legal Routes Processes / followed unless

permitted by you

General Collection process

Capture Case / Import

Send SMS & Letter with

contact details

Calls made

Contact: Negotiate Payment

Settle / Arrangement

SMS & payment

Letter sent

Arrangement honoured

Disburse funds

Close account

Ideal

General Collection process

Arrangement not honoured SMS Sent Call made

Re-Negotiate Payment

Possible date / Amount change

SMS & Letter sent

Reminder call & SMS Sent day before

payment date

Payment received

Disbursement of funds Close account

Broken promise

General Collection process

Call 1-5 times

No Contact Send to trace

Trace received

Call 1- 5 times

Make Arrangement

SMS & Letter sent

Payment received

Disburse funds

Close account

Trace accounts

0%5%

10%15%20%25%30%

Month 1Month 2

Month 3Month 4

Month 5Month 6

Month 1Month 2Month 3Month 4Month 5Month 6

Collection projection

Legislation

1.National Credit Act No 34 of 20052. Magistrates Court Act No 32 of 19443. Attorneys Act No 53 of 19794. Debt Collectors Act No 114 of 19985. Contingency Fees Act No 66 of 19976. Protection of Information Bill7. Protection of Personal Information Bill8. Consumer Protection Act No 68 of 2008

2010 2011 20120%

20%

40%

60%

80%

100%

120%

New Clients AquiredExisting clients handoverStaff turn overRevenue Telemarket-ingTurnoverStaff incentives

Key Performance Indicators**Year on Year % Growth

Our understanding of your requirementsTo retain your client base.

Ensure that debtors receive the best possible service and experience from

a debt collection company. By listening and assisting the debtors.

All calls are monitored and audited by one of our Members ensuring the highest quality and assurance that your debtors are handled with care.

We strive not only for client satisfaction but debtor satisfaction

too.*Please see debtor referencesVarious payment methods.

Electronic debit orderCredit card facility

Electronic fund transferCash

Cheques

Compliments

Debtor: Thanks very

much for a wonderful

Service.

Debtor: “Lots of

Love”.Deb

tor: T

hank you

very m

uch fo

r

everyt

hing, I

apprecia

te it.

Debtor: Thanks

so much for

your understanding

and speedy

response

Potential Client: I’ve heard you guys are reliable and your customers are delighted with your service

Debtor: Your service is Ayoba!

Our understanding of your requirementsTo ensure all your collection

needs are met.A dedicated client relationship

manager will be at your disposal when needed. This person will

attend to any logistical, reporting or general queries that you may have

in person.

A dedicated Collection Team, screened specifically for the industry and specialists in soft collections will

be dedicated to your accounts.

Technology & Systems Used

Thank you for the time afforded to us.QUESTIONS?