1. Debt-Wise 2010

2. Contents Our Goals Services Offered Administrative Assistance The Functionality Of The Software Fast And Effective Handling Of Queries The PDA (Payment Distribution Agency) Training Why Use Debt–Wise? Monthly Costs Contact Information

3. Our Goals Developing a user friendly program to assist Debt Counsellors with their daily tasks. To focus on delivering excellent customer service, as opposed to being the biggest in the market. To provide users with outstanding user- and technical support. Prompt and accurate attendance to all system- and software queries.

4. Our Goals Continuous evolving of The Program to accommodate the dynamic needs of Debt Counsellors. Keeping up with new developments in The Debt Counselling Industry. To streamline and ease interaction between our users and The PDA.

5. Services Offered Free training (Subject to conditions) Telephonic and electronic user support Telephonic and electronic technical support After hours telephonic user support Acting as a link between the PDA and Debt Counsellors. Enabling data to be passed to the PDA directly and seamlessly from the Debt-Wise Program Administrative assistance (Subject to conditions).

6. Board Of Directors Debt-Wise (Board Of Directors) Annelize Groenewald Elmie Naude Tienie Van der Merwe GesieVan der Merwe

7. Debt-Wise Infrastructure Technical Team Gregg Van Vuren (Online Systems) Nathan Jeffery (Technical Support) Deon Steyn (Off Line Systems) Liason Herman Joubert Konstant De Vos On Site Counselor Sunette Gerstner

8. Administration Assistance This service is an additional, non- compulsory extra, offered to all Debt Counsellors using our Program. This is the perfect solution for persons who prefer to focus on the Marketing and Recruitment of clients, while outsourcing time consuming tasks such as negotiations and liaison with creditors. Our staff work exclusively on Debt Counselling matters. Our staff have comprehensive experience of Debt Counselling, as they have been operational in the industry for almost two years. Further to this, they have been working in the Debt Administration and Debt Management sectors for the past 5 years.

9. Administration Assistance As our staff work closely together with the technical department, they are always up to date with changes in The Program and the Industry. Our offices are fully equipped and functional, therefore less time is spent on the setting up of new structures and systems.

10. The Software (Home Page)

11. The Software The Debt-Wise software is very user friendly and easy to use. The previous slide is the system home page, from where most of the work will be done. Each user will have a unique username and password, which will be known only to the user. Upon loading a application the system will automatically generate the following forms: –From 16 –Installment Letter –Form 17.1 –Form 17.2 –Standard Proposal –Cascade summary

12. The software (Calculations) The Debt–Wise System was developed to allow calculation of payments with the mere click of a button. Elements such as the In Duplim Rule and cascading effect is provided for. The Program is very user friendly and can easily be mastered. After finalizing calculations, The Debt Counselor may proceed with the merging of relevant documentation. Calculations will automatically reflect on these documents. The calculations and instructions of The Debt - Counselor is submitted to the PDA by the click of a button, and distribution effected.

13. Fast And Effective Handling Of Queries The Debt–Wise Team pride themselves on delivering fast and effective service, no matter what the extent of the problem. Program users will have direct access to User Support as well as the Technical Department. If a query cannot be attended to telephonically, our staff will find a solution and reply within 3 working days. We are not the largest software supplier, but we aim to be the best.

14. The PDA (payment distribution agency) Debt-Wise is inherently linked to DC Partner, as we provide PDA software to them. The systems, infrastructure and staff of DC Partner have been exposed to collection and distribution of payments for the past nine years. DC Partner strives to always render services of the highest standard to all related parties. DC Partner currently have a client base of almost 70 Debt Counsellors. Consumer information seamlessly passes from the Debt-Wise System to The PDA.

15. Training Telephonic and electronic training is provided free of charge. When a group of people need to be trained, the training itself will be provided free of charge. Related travel and accommodation costs will be for the account of the person who requested the training. Our offices in George are fully equipped to facilitate training for users. We welcome anyone who wishes to visit us for proper training in a quiet and ideal environment. Training on The Program is essential, as accurate work is required on The System.

16. Why Use Debt – Wise? The Program is user friendly. User support and technical support is available. Free training is provided (subject to conditions). The Program will be updated according to new requirements. The Program is continuously evolving and made even more user friendly. We offer functions which can make a substantial difference in your day-to-day operations. Costs to the consumer and the Debt Counselor is limited to the minimum. Any queries will be attended to fast and effectively.

17. Monthly Costs R280.00 per PDA folder. (100 consumers included) PDA folder is defined as a branch or office. If you are a Debt Counselor with two offices, each office will receive their own PDA folder. PDA folder is defined as a branch or office. If you are a Debt Counselor with two offices, each office will receive their own PDA folder. R100.00 for every additional 100 consumers loaded onto the system. R50.00 per password requested. Please note that using DC Partner as your PDA will come at no additional cost to you or your client!

18. Contact Information DC PARTNER (PDA) DC Partner 59 Victoria Street George 6530 Tel: (044) 873 4440 Fax: (044) 884 1096 E-Mail: hr@dcpartner.co.za hr@dcpartner.co.za Herman Joubert 084 262 1034

19. Contact Information Debt-Wise Debt-Wise 58 Victoria Street George 6530 Tel: (044) 873 4440 Fax: (044) 884 1096 E-Mail: hr@dcpartner.co.za hr@dcpartner.co.za Herman Joubert 084 262 1034

20. THE END THANK YOU!