MBD Credit Services E-Brochure Proof 1 - Christy

BrochureMBD Credit Services 1

MBD Credit Services About MBD MBD is the leading independent provider of credit management solutions in Southern Africa. MBD’s core service is the collection of accounts receivables encompassing the entire credit cycle using both call centre based and legal collections. MBD has clients in both the private and public sector, with substantial portfolios of accounts receivables. Inherent in this service is an option to acquire accounts receivables portfolios and MBD views its strong balance sheet as a key differentiating factor in unlocking value for its clients. Ancillary services provided by MBD to credit providers include administration, back-up service provider, consulting, data analysis and software. MBD regards its key asset as its employees, which number in excess of 2000 nationwide, and is committed to the recruitment, development and retention of high calibre personnel. This provides a significant contribution to addressing high rates of unemployment in South Africa and positively impacts on the lives of these employees and many of their dependants. MBD seeks to provide superior services to its clients leveraging off: • World-class systems and technology • Unrivalled consumer database • Leading credit and risk analysis • Uncompromising regulatory compliance, internal audit and quality assurance • Highly competent employees • Commitment to industry research, technology and best practice • Substantial investment in skills development and employee benefits • State-of-the-art back-up and disaster recovery processes MBD has built a first-rate track record of providing customised, pioneering and innovative solutions to clients. Furthermore, MBD believes its future will be assured only by: • Continuing to provide superior performance • Maintaining the highest level of ethics and integrity • Understanding clients’ needs and tailoring solutions appropriately • Compliance with all laws and regulations MBD aims to render appropriate returns to clients and shareholders whilst interacting with all stakeholders in a professional, honest and dignified manner. 2

MBD offers … a fully comprehensive range of credit management services to the corporate, commercial and government sectors … as well as to ordinary everyday South Africans like you and me. Whether you’re looking for the high performance edge of SA’s leading receivables management partner or you’re an individual aspiring to achieve a responsible credit- worthiness status. MBD for Business For more than 15 years we’ve made it our business to look after yours, providing revenue enhancement and debt collection solutions that encompass the entire credit life cycle…MBD Credit Services MBD for Individuals At MBD we understand that life can have its ups and downs and that sometimes your credit can run away with you before you’ve even realised it. 3

MBD For SA’s Leading collections management solutions,Business delivering the entire credit life cycle… For more than 15 years we’ve made it our business to look after yours … providing revenue enhancement and debt collection solutions that encompass the entire credit life cycle – in fact you may say, no one understands the art and science of effective accounts receivables management quite like us! Whether its help you need getting started strategizing and modelling your credit policy andcollection processes, or perhaps you’re focused on critical 3rd party debt collection, have a debt book you need to sell,or you’d prefer to simplify your administration burden and opt for a convenient business process outsource solution –MBD’s one-stop range of solutions cater for virtually any functional stage of your debt collection cycle.Offering a truly comprehensive range of credit management solutions, we’ve positioned ourselves as the leadingplayer in the South African corporate, commercial, retail and public sectors … along the way, developing technologyandinfrastructure unrivalled in its ability to offer our clients the competitive edge.We’ve perfected proprietary operational processes and protocols essential in delivering the best result… and when itcomes to our clients, we’ve kept our focus on customer centricity and unrivalled service, always measuring ourselves bythe value we add to the bottom line.While MBD’s core offering provides pre-legal (early stage and late stage) collections, legal collections and debtacquisition solutions, our trusted reputation and strategically aligned relationships with leading companies enables us toextend our core service offering in the form of pre-billing, billing, and most business process outsourcing (BPO) solutionsrelating to back and / or front office duties and responsibilities.MBD Credit Services 4

MBD For BusinessBUSINESS TO BUSINESS CUSTOMER TO BUSINESSCOLLECTIONS COLLECTIONS GOVERNMENT 5 INSTITUTION COLLECTIONSMBD Credit Services

BUSINESS TO CUSTOMER COLLECTIONS World-class business to customer revenue conversion for commercial and retail…When it comes to revenue continuity, efficient management and optimal control over your collections cycle isundoubtedly one of the most critical deliverables in business today. Whether your book numbers a few hundred, ora few hundred thousand, MBD offers you the peace of mind of knowing that when it comes to delivering on revenuetargets, you’ll find the right collection solution that gets you the best result.MBD collections profile quick facts:• R24bn under administration• National footprint with 6 collection call centres• 1200 collection agents• 40 million outbound calls per year• Industry specialisation across all commercial sectors of industryWith over 15 years of tried-and-tested success in debt collection and debt book analysis we’re perfectly positioned tohelp you with your revenue enhancement, accounts receivables and data analysis.Key Services for Business• Pre-billing and billing• Pre-Legal collections• Early to late stage• Legal collections• Book analysis and debt acquisition• Business process outsourcingMBD offers structured solutions to corporate, commercial and retail operators, aimed at effective management andcontrol of operational collections.MBD Credit Services 6

BUSINESS TO BUSINESS COLLECTIONS World-class business-to-business revenue conversion for corporate and commercial …While most professionals who trade business to business will enjoy the relative simplicity of credit cycle managementfar removed from the complexities of large scale retail collections, the reality of non-performing debt carrying higherbook vs. risk ratios can often mean a compounding threat to revenue stability.So every day, we at MBD put our 15 year track record to work, understanding and implementing the critical commercialconversion solutions essential for bottom line success.By spanning virtually every sector of industry and harnessing essential insights, we apply the latest trend and conversionmethodologies to formulate individually tailored collections solutions geared to delivering on your revenue targets …peace of mind of knowing that you’ll find the right collection solution suited to your best result.MBD Business collections profile quick facts:• R4,8bn under administration• National footprint with 6 collection call centres• 640 collection agents• 3,6 million outbound calls per year• Industry specialisation across all commercial sectors of industryFrom revenue enhancement, accounts receivables and data analysis services – MBD offers collections solutions acrossthe entire collection cycle through the following key services:Key Services for Business collections:• Pre-billing and billing• Pre-Legal collections• Early to late stage• Legal collections• Book analysis and debt acquisition• Business process outsourcingMBD offers structured solutions to corporate and commercial operators, aimed at effective management and control ofoperational collections.MBD Credit Services 7