Business solutions dedicated to actual situation of leasing market Vlad Cristutiu – Charisma Enterprise Product Manager, TotalSoft Daniel Balaceanu – Product Manager Microsoft Solutions, TotalSoft

AGENDA Collection Repossession + Remarketing Cost control Workflows Banking risk center (CRB) Credit Bureau Automatic new clients evaluation Customer Self-Service Portal

Functions Complete customer info Debts classification with different criteria – Days Past Due (DPD): 1-29 DPD, DPD, DPD, DPD, 180-+DPD – Follow-up channels: Field Collections, collection agency No. 1, collection agency No. 2, lawyer – Complex clusters: promise to pay, abroken promise, payments never started etc. Configure and track workflows Configure roles: operator, team lead, fraud operator, supervisor Initiate activities: phone call, SMS, letters Track payment promises Work with collection partners (outsourcing)

Repossession + Remarketing Collection module – logistic point of view Charisma Core – cost/profit point of view Follow-up the goods in stock Collects all the expenses during the process Remarkets the goods – OFERIM SOLUTIE (portal web) Sells the goods direct or in a new leasing contract (re-lease) Profit calculation for whole process

Charisma Cost Control Contract Management Track contract executionPayments scheduleCase managementPayment approval eProcurement Supplier contact managementFull coverage of procurement flowContract closing ePurchasing Budget definition and trackingExpense requests approval flowStock checking

ePurchasing Payment approval Procurement flow Approval flow Budget definition

eProcurement Step 1: Buyer initiates RFQ document Step 2: Buyer creates and send RFQ document to suppliers Step 3: Supplier creates and sends the quote to buyer organization Step 4: Buyer reviews and evaluates the received quotes Step 5: Buyer creates and sends the agreement to chosen supplier (optional) Step 6: Supplier accepts/rejects the received agreement (optional) Step 7: Buyer initiate the purchase order document eProcurement Supplier Buyer Review quotes Initiate Purchase Order Initiate RFQ Fill out ‘Request Template’ Reply or update Offer Agreement 6 Confirm. 7 Accept or reject agreement

Performance [Company Name] Procurement Analysis Worksheet [Date] ItemQttySupplier1 unit priceSupplier2 unit priceSupplier3 unit priceBest unit price Item A10tone € 1,000.00€ € Item B12buc € 11, € 12, € 12, € 11, Item C100m € 1.53 € 2.50 € 2.59 € 2.50 Total € 152, € 154, € 154, € 153, Total initial offers € 155, € 155, € 155, € 155, Savings € 1, € € 1, € 2, %0.23%1.83%1.29%

Charisma integration

Credit bureau and CRB reporting Legal requirement and business utility Quick payment behaviour status for new customers Separate applications, integrated with Charisma Fully automated calculation and reporting process

Automated customer rating ICAP collaboration

Automated customer rating Functionalities  Real time customer rating based on ICAP financial data  Native Charisma integration (back- office and front-office)  Web-based – web services / XML

Customer Self-Service Portal (e-Care)

 Value for your customers  Access their information (contracts, payment schedules, insurances, etc.) when they want, where they want, via internet or mobile phone  Get notified about specific events (new invoice issued)  Print digitally signed invoices and legal documents on-line  Receive invoices and documents via electronic services ( )  Pay invoices on-line  Accessing frequently asked questions and technical support sections  e-Marketing functionalities (newsletters, promotions, customer segmentation)  More than users are using e-Care everyday

Customer Self-Service Portal (e-Care) Better serving customers while lowering costs Case study - leasing company with customers More than logins daily on invoicing days More than logins daily on usual days Calculation based on real facts  4 min. call (operator – customer) = 1 EUR cost  1 EUR x logins /month => more than EUR saved in a month

Questions?