Vision

To be recognized as the most reliable debt collection agency

in Malaysia, who focuses on debt collection services for large

& small financial institutions.

Mission

We provide quality management services achieved through

transparent communication, techniques by our professional

recovery agents using latest technologies and innovative

methodologies.

Profile KL 1

SINCE 1997

“STRIVE TO PROVIDE THE BEST”

TOTAL CREDIT

RECOVERY

SUCCESS PATTERN (M) SDN.BHD

“We provide the highest

Ethical & professional

services in maximizing

the recovery of credit”

CONTENTS

The Company

Profile

Client Listing

Services

Key Personnel

The Service

Debt Collection - Procedure

Debt Collection – Keys to success

Operational Flowchart

Dateline 30Days

The Support

Software

Insurance

Receipt Books

Authority Card

Status Report

Solicitors

Banker

The Choice

Frequently Asked Questions

Why Use Success Pattern

Schedule of Fees

THE

COMAPANY

PROFILE

Collection of claims remains a highly sensitive Activity for any

organization. With hefty credit Facilities extended in todays fast-moving

Information age, efficient recovery of debt can mean the difference

between profit and huge losses.

Success Pattern’s primary objective is to maximize the recovery of your

claims and any bad or doubtful debts as quickly as possible.

Our team of experienced and ethical personnel routinely handles

accounts of any size, in any stage of delinquency. We understand the

business culture in Malaysia, with extensive networks throughout the

country. We offer swift recovery services on both bill collection and loan

collection.

Our commitment towards excellence in the field of collection makes us

the better choice as your total credit recovery partner. When most

businesses are facing increasing problems as a result of bad debts, our

role as third-party collector is a wise move, affording you many

benefits:

Reduced overheads, meaning more cap i ta l for o the r

prof i tab le investments.

More efficient and faster recovery, meaning a higher rate of return

Predictable rate of recovery, meaning fixed cash flow and eliminates

Risk of economic uncertainties.

Dedicated group of collectors working on your accounts.

Reduced cost and time spent on recruiting and training staff for

collection.

CLIENT LISTING

Success Pattern has built mutually beneficial

partnerships with the following clients:

AMBANK (M) BERHAD

Credit card & Line of Credit

Hire Purchase (Auto Finance)

ALLIANCE BANK (M) BERHAD

Credit card & Line of Credit

Hire Purchase (Auto Finance)

U MOBILE SDN.BHD

(TELECOMMUNICATION)

Broadband

Postpaid

INDAH WATER KONSORTIUM SDN.BHD

KOERASI TENAGA NASIONAL

CLIENT LISTING

UNIVERSITI MALAYA

LINGUAPHONE DISTRIBUTORS

SDN.BHD

REDTONE INTERNATIONAL BERHAD

CLIENT LISTING

SERVICES

We offer a full range of collection services

Tailored to suit your needs. Success Pattern manages accounts of

any type or size, offering total credit recovery, skip tracing (third

party searches), and initial legal proceedings using our solicitors.

Our team of professional collectors have been thoroughly vetted,

and well-qualified to handle a given claims from the first collection

call all the way to litigation proceedings, in an ethical manner,

displaying skill and sensitivity at all times.

Success Pattern’s service-oriented culture means you will be kept

informed and updates regularly throughout the collection process

,enabling personal two-way communication between you and the

respective collector. We compile detailed reports on all your

accounts periodically, giving you the ability to assess the process

and review work in progress.

Success Pattern introduces a highly innovative approach in dealing

with uneconomical and charge-off accounts. We consider the

following factors when purchasing delinquent accounts:

Age of Debt – As a basic rule, the older the debt, the more

difficult and expensive to recover.

Source of Debt – The underwriting standard of the original issuer

will determine the level of recovery.

Proof of Debt – The original documentation or proof of debt may

be required

Location of Debtor – Geographic location of the delinquent may

affect recovery

History of Work on Account – An account that has been

extensively worked on before has lesser chance of profitability

KEY

PERSONNEL

MANAGING DIRECTOR (MR SUKHDARSHAN SINGH A/L BAG SINGH)

DIRECTOR

(MR ASHWINDER SINGH A/L SUKHDARSHAN SINGH)

OPERATION MANAGER

(MR SRITHARAN A/L SOKKAPA)

ADMIN &

FINANCE

HEADQUARTERS OFFICE

KUALA LUMPUR

MELAKA

BRANCH

IPOH

BRANCH

SABAH

BRANCH

THE SERVICE

Debt collection – procedure

Success Pattern has an established and efficient method in

collecting your debts in full, with minimal cost to you

• Placement of accounts – Your accounts can be placed with

us for collection by mail , fax , disk, or in personal.

• Processing claims – Upon receiving the debtor’s full

particulars, we will determine if additional information or

specific instruction are required. The client and debtor

information is then entered into our collection management

software, and an acknowledgement of claim is sent to you.

• Initial contact with the debtor – Our collectors will trance the

whereabouts of the delinquent debtors and attempt contact

immediately upon receipt of the claim. We understand that

initial impressions are powerful, so our collectors are trained

to be professional, yet assertive in their approach. They will

use sensitivity and reason in a conciliatory manner rather

than take an adversarial stand and explain the just and

proper course of action to the debtor. They will at all times

maintain goodwill between the client and debtor, with the

primary goal of collecting the debt in full.

THE SERVICE

• Third-Party Searches – We routinely track debtors even

if it takes a few years and maintain active records until

the claim is cancelled. Searches conducted by our

sources will remain anonymous. Often, we are required

to conduct thorough investigation to uncover any assets

or sources of income, and take whatever measures

necessary to size them.

• Field Visits – Site visits to the debtors office or residence

is a part of our strategy in collection. Our collectors are

trained in visiting the premises in question to ascertain

the debtor’s ability to settle the debt. Normally, if full

payment or a reasonable payment schedule can be

arranged within 30-60 days, the respective accounts with

the written consent of the client is forwarded to our

solicitors for further action. However, if there is a better

chance of collection with a little more direct persistence

and persuasion, our collector may decide to work the

claim longer.

DEBT COLLECTION-KEY TO SUCCESS

PROFESSIONALISM

A collector’s intention must be direct and clear. Our field personnel operates

with a sense of urgency, with the highest ethical and professional standards.

EDUCATION

Our collectors are furnished with the most up-to-date information and facts

necessary to get the job done. We believe that full preparation is our best

weapon.

CONFIDENCE

Our training program is designed with one main emphasis- getting results. Our

collectors are assertive and always in control of the situation, insisting on

commitment from the debtor and cutting through the excuses.

RELATIONSHP

The art to successful recovery of debt is build a relationship with the debtor.

Our collectors are well-versed in the art of empathizing with the debtors,

whatever their problem, but in the end making sure they understand their

accountability and responsibility in setting their debts.

CONTACT

Constant, even daily contact with the delinquent debtors is the job of our

collectors. This ensures the debtors realize the seriousness of the collector in

discharging duties, and applies indirect pressure on the debtor to pay up.

COMMITMENT

Our collectors are experience in the art of persuasion, always insisting and

ensuring a firm commitment from debtors in writing.

OPERATIONAL FLOW CHART

DEBT COLLECTION:THE ODDS

DATELINE “30 DAYS”

NUMBER OF MONTHS DEBT IS DELINQUENT

According to professional debt collector- who handle more

than is us $3.3 billion in claims annually-the longer a debt is

overdue, the less chance there is that it will be collected. The

best policy is still to collect the debt within 30 days.

SOFTWARE

THE SUPPORT

Success Pattern has developed its own computer system for the management of

credit receivables. Called SPeed, the system is one of our key attributes,

automating many routine tasks and increasing overall productivity and efficiency

SPeed is a powerful tool designed for security and ease of operation

SPeed is designed to thoroughly manage accounts and greatly enhance the

efficiency of our collector, from the moment a new account is received and will see

it through until the debt is paid off.

Among its features and benefits are:

Managing the performance of our collectors

Implements a discipline over collection method – all accounts are supervised

even through the respective collector’s sick leave or holiday; while areas of

high cost and low performances can be identified quickly.

Monitors the collection management process- detailing actions, history,

payments, purchases, and interest of any account.

Automates recovery methods

Provides in- house diary for our collectors, showing tasks assigned “today”

“tomorrow”, and “outstanding”

Generates documents automatically, or on demand

Provides real-time online features (upon request)

Forwarding SMS through our system

INSURANCE

As a commitment to our professionalism in the legal

recovery filed, and to protect our clients from third party

claims, Success Pattern has taken an indemnity

insurance

Although utmost courtesy and care is exercised in the

course of our duties, this indemnity is nevertheless

prudence on our part, covering the following:

RECEIPT BOOK, AUTHORITY

CARD & STATUS REPORT

RECEIPT BOOKS

Upon recovery of any sum of monies from debtors, it is our policy to

issue temporary receipts to ensure transparency of the transaction.

Temporary receipt books will b issues to you for approval prior to

undertaking any collection, either in cash or check. All monies

collected on your behalf will be remitted to you within 24 hours of a

working day.

AUTHORITY CARD

Every field personnel will carry an authority card that grants

permission for the holder to act on behalf of Success Pattern.

Our collectors will also be furnished with letters of

authorization from the respective clients when negotiating

with debtors.

STATUS REPORT

We will submit monthly reports on all cases referred to us to

respective clients. The status report will, among others, details the

status of account, amount collected, and action taken on

recommended.

Success Pattern has plans to provide online services in the near

future, thereby further extending our reach and quality of service.

Clients will be able to access reports on existing accounts as and

when they please.

SOLICITOR & BANKER

SOLICITOR

Success Pattern is served by a panel of well-

established solicitors.

BANKER

1. Malayan Banking Bhd.

2. Bank Islam (M) Bhd.

3. Ambank (M) Bhd.

THE CHOICE

FREQUENTLY ASKED QUESTIONS

1)Why use a third-party collector?

Many debtors perceive an assignment of debt to third-party as a serious action. They

fear this many damage their

Credit rating or incur litigation. Therefore, they are more likely to co-operate than if facing

the creditor’s in-house collection department personnel.

2)What are the chances of success with a third-party collector?

The chances of collection are fairly good at an early stage, but drop dramatically with

the age of the accounts. So the sooner the account is placed, the better.

3)How long will it take before I expect results?

The status of almost all claims can be determined within 60days. After that, we will

advice you on your options available.

4) How can I keep track of an assigned claim?

We value up-to-date information and two-way communication. Our office will contact

you advising of any payment made or status report of the assigned claim. We also

submit monthly reports on every single account.

5) What if the debt is disputed or the debtors is unwilling to pay?

Success Pattern’s filed collectors are experienced and well trained to resolve all

manner of dispute. Backed up by our panel of solicitors, we will keep you informed of all

progress and actions taken on a regular basis.

6) When do legal proceeding begin?

After a reasonable period of time, if a debtor is still unwilling to pay, we will contact

our solicitors and if so recommended by them, begin the legal process after client’s

authorization.

7) Can a creditor collect interest on the unpaid claim?

Generally, yes. Any agreed-upon rate should be added to the account at the time of

submission. If it become necessary to file suit, the interest will be part of the legal

demand.

WHY USE

SUCCESS PATTERN

Ten good reasons why you should turn over an account to Success Pattern:

• To remove the distraction of no-performing loans and other bad debts

• Prompt remittances

• Avoid high labor and management costs.

• Strict code of ethics which serve to protect creditors as well as debtors

• Experienced service-oriented professional collectors.

• State-of-the-art recovery management software-Speed

• Knowledgeable of business and corporate culture in Malaysia

• Fully computerized and confidential.

• ISO 9002 Certification planned

• No collection-No Fee

SCHEDULE OF FEES

You pay Success Pattern absolutely nothing unless we collect. That is our

policy. We take all cases on a contingency basis, charging no upfront fees or

costs of any kind. We will advance the cost of all expenses incurred in the

collection process.

Tel:06-2866541 Fax : 06- 2866513

OUR BRANCHES

PERAK BRANCH

62A, Jalan Medan Istana,

Bandar Ipoh Raya,

30000 Ipoh, Perak.

Tel: 05-2425770 Fax: 05-2426770

SABAH BRANCH

NO 5-2 2nd Floor Block B,

Damai Plaza Phase IV, Luyang,

88300 Kota Kinabalu,Sabah

Tel: 088-266619 Fax:088-267619

MELAKA BRANCH

No 2-26,

Jalan PM4, Plaza Mahkota

75000 Melaka.

SUCCESS PATTERN (M) SDN.BHD

HEAD OFFICE

No 95A Jalan Bangsar,

59200 Kuala Lumpur.

Tel:03-22877288 Fax:03-22873925

Email:success@succespattern.com

Website:www.successpattern.com