TDX Group Overview

1

TDX Group:At the centre of liquidation

2

TDX: At the centre of liquidation

ISO 2700

Who we are

and who

we work

with

Why our

data is

unique

Choose

from

platforms, t

ools and

services

Sharing

market

insight

1 2

4 5

How we

change

markets

Success

stories

3

6

3

Who we are and who we work with

At the centre of liquidation

TDX is a data driven

business offering

creditors the

platforms, tools and

services to optimise

returns from debt.

Our intermediary position ensures you benefit fromthe widest available dataset, making your decisions best informed.

Seven years delivering

over 20% performance uplift for our clients

We invest 25% of our profits in R&D

Debt

Collection

Agencies

50+

Insolvency

Practitioners

1,000+

Debt

Management

Companies

1,000+

Debt

Purchasers

30+

Financial Services

Energy

Telecoms and media

Healthcare

Water

Public Sector

CREDITORS

TDX

4

Who we are and who we work with

TDX around the world

4 of the 10 largest banks and cajasin Spain

8 of the 10 largest banks and credit card providers in the UK

3 of the 8 largest debt purchasing firms in Europe

5 of the 10 largest energy and water companies in the UK

Consulting/advisory relationships in Europe and the Americas

3 of the 5 of largest telecom and mobile phone providers in the UK

Largest debt

platforms in UK

80% debtor visibility

5+ consultancy

projects in Russia

£27 bn UK banking

assets valued

Consultancy

projects in

Italy, Greece, Turkey

Largest debt

platforms in Spain

100+ consultancy

projects

Full satellite office in

Latin America

Consultancy

projects in USA

Largest debt sale

broker in Europe

£8bn in assets sold

5

Unlike credit reference agency data which predicts the outcome – TDX data isthe outcome

We know how debtors behave with our data

covering 80% of UK debtor households

We advise leading financial institutions on strategy, having reviewed 4 out of the 5

biggest banks debt portfolios

We store this data securely and use the insight it generates to deploy advanced strategies through our platforms.

Why our data is unique

CREDITORS

TDX

AGENCY NETWORK

2 million rows of

activity data captured

per week

INSOLVENCY

PRACTITIONERS

Visibility of 95% of IVA

proposals

(200+ per day)

DEBT

PURCHASERS

5,000+ bids

1,000+ segments sold

TDX

DATA

ANALYSIS

INSIGHT

INNOVATION

Who is paying who?

What activity results in payment?

Which debtors recover?

How much is your debt worth?

6

Our vision:

Create value for our customers through the application of data, insight, analytics and technology

MARKET

SITUATION

How we change markets

Turning data into value

De

bt

co

lle

ctio

n

IVA

ma

na

ge

me

nt

De

bt

sale

Creditors look to suppress DCA commissions

Random allocations

Few purchasers only big could win deals

No idea of value and ‘right’ price

Cleaner data to agencies

Collaborative DCA strategies

Driven greater competition and performance

Right debt, right agency, right price = 20% uplift

TIX Complaint IVA protocols

Greater visibility of performance

Liquidation rates increased from 5% to 25%

Sustainable IVAs for you and your customer

Introduced segmented debt sale to Europe

Lower purchaser barrier to entry (more sustainable and competitive marketplace)

Cleaner data, transparency of underlying assets

Right debt, right time, right price = 20% price uplift

Next generation of data capture

Identify optimal activity at account level

Set the standard for data

Account level selling

Ensure debtors get most appropriate advice

2004:

TDX founded

2011:

Looking forward

No structured solution for debt forgiveness

Concerns about best advice to debtors

2006

2004

2004

INNOVATION

INNOVATION

INNOVATION

7

Debt Collection

The UK’s largest debt placement

and management platform

65,000 accounts placed per week

(3 x more than largest bank)

IVA Management

The largest IVA servicing

platform

200 new cases per day

500,000 pieces of

correspondence annually

Debt Sale

Europe’s largest debt sale

platform

3.8 million accounts sold

1,000 segments packaged

120 Health-checks of ‘keep, place or sell’ strategy completed

£27bn assets valued

£500 million in uplift opportunities

Meet PLATO, TIX and VENDO

PLATO

Advisory Services

TIX VENDO

8

You choose...

... Your ideal balance of internal control and external support.2

... How to pay: flat fee, pay by results - or a bit of both.3

...Your ideal combination of Platform, Tools and Services.TO

OLS

Broaden your view and

enrich your data with TDX

scores and additional debtor

details to drive action and

decisions

Leverage purpose built

technology infrastructure

through which debt

liquidation processes are

executed. All hosted in

Nottingham.

Gain a continual advantage

from applying TDX

expertise, analytics and

industry reach to perfect

your liquidation strategy.

PLATFORM

SER

VIC

ES

1

9

Asset Value Optimization (AVO)

Develop an understanding of how best to optimize the value of assets through multiple, complimentary

recovery strategies

Credit risk management

support

Extensive pre- and post-distress credit risk management experience deployed into clients’ businesses

Advisory Services

An overview

Clients benefit from

TDX’s intellectual property through consulting engagements

Selective engagements based on

longer-term relationships

Advisory Services

Benchmarking

Develop understanding of existing and potential performance of assets in a range of segments

Strategic review

End-to-end review of a firm’s strategy, tactics and work-practices recommending potential improvements

10

Advisory Services

Representative engagements

2011

Top 5 Global Bank

FULL STRATEGIC REVIEW

UK Consumer Collections

Sponsored by regulatory

authority

2010

Large UK Utility

PROCESS OPTIMISATION

UK Utility Collections

2010 - present

Large Peruvian Bank

PROCESS DESIGN

Peru Consumer Collections

2010

UK Government Entity

STRATEGY PILOT

UK Tax Deficiency

2010

Top 5 Global Bank

STRATEGIC REVIEW

UK Consumer Collections

2009

UK Water Company

SERVICING STRATEGY

UK Utility Debt

Clients benefit from

TDX’s intellectual property through consulting engagements

Selective engagements based on

longer-term relationships

11

Success stories

Proven results

50%

100%

150%

200%

250%

Jan

-20

09

Ma

r-2

00

9

Ma

y-2

00

9

Ju

l-2

00

9

Se

p-2

00

9

No

v-2

00

9

Jan

-20

10

Ma

r-2

01

0

Ma

y-2

01

0

Ju

l-2

01

0

Mo

nth

ly c

olle

ctio

ns

Liquidation index

3 month rolling average

Jo

ine

d

TDX

Ne

two

rk

Co

mm

en

ce

d

full

TDX

str

ate

gy Case study

Client

description

National energy provider.

Status /

requirements

An overhaul of the incumbent

recoveries infrastructure.

TDX solution Client chose a fully

integrated debt

collection solution,

using the PLATO

platform, in 2009.

Commercial

model

% of gross collections through a

fully integrated TDX solution.

Results In the first year our client

increased average monthly

collections by 50% for final debt.

Length of

contract

4 years.

PLATO

12

Why TDX

At the

centre of

liquidation

Our data is

unique

You

choose

Sharing

market

insight

1 2

4 5

We change

markets

Proven

results

3

6

13

For more information – contact:

James Breadon

078 2524 [email protected]

The information contained herein is strictly confidential and may not be reproduced, distributed or published without the written

permission of TDX Group. The information contained within this document is believed to be reliable but no warranty, expressed or

implied, is given by TDX Group that the information is complete or accurate nor that it is fit for a particular purpose. All such

warranties are expressly disclaimed and excluded. TDX Group shall not be liable (including in negligence) for direct, indirect or

consequential losses, damages, costs or expenses arising out of or in connection with the use of or reliance on the information

contained in this document.

© 2011 TDX Group | Private and confidential