G R O U P

ADVANCED DEBT SOLUTIONS

HISTORY

2

G R O U P

09/07 02/09 04/11 06/1103/07

FoundationFirst Commission Client

First Portfolio Purchased

Institutional Investor Joins the Group

First Portfolios in Russia Purchased

2009 2010 1H 2011 3Q 20110

50,000

100,000

150,000

200,000

250,000

300,000

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UKRAINE

RUSSIA

OPERATIONAL FACTS

3

• Since the foundation of the Group over 530,000 cases from over 70 debt originators were received and worked

Number of Cumulatively Worked Cases, in ths

G R O U P

CASES RECEIVED

• About 65% of assets originate from banks

ASSET SEGMENTATION

• The Group employs more than 400 personnel

STAFF BREAKDOWN

Banks (65%)

Telecoms (20%)

Insurers (6%)

Utilities (4%)Other (5%)

Call-Center (160)

Field Col-lection (140)

Collection Support (35)

Administration (90)

2009 2010 1H11 3Q110

100

200

300

400

500

0

20

40

60

80

No of Cases No of Originators

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HOW WE COLLECT

4

Remote contacts with debtors in order to stimulate payments

On-site visits to defaulting customers to establish personal contact and convince them to resume payment

The Group manages:

• Prosecution in courts

• Judicial Executive Service (Bailiff)

Call Collection

Field Collection

LegalCollection

Skip-Tracing

G R O U P

Recovery of contact information on debtors through the whole collection cycle

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• Variety of tools used (IVM, IVR, SMS, letters and phone calls)

• Over 5 million calls to debtors per month

• 50-80 call attempts per hour by each operator

• Wide geographical coverage

• Well-trained qualified staff

• Focus on individual solutions

• Highly professional lawyers

• Extensive experience with law enforcement state bodies

Debts are recovered through call, field and legal collection stages