Operating since 2006, PrimoCollect Group is one of the most experienced and longest serving debt recovery agencies in the Ukrainian market, offering its clients extensive operational capabilities in debt acquisition, outsourced debt collection and related risk management consulting services. The company was among the first to begin purchasing portfolios of non-performing loans in Ukraine and currently leads the market by volume of acquired non-performing receivables under management.

1. PrimoCollect 2012

2. PRIMOCOLLECT GROUP –
UA MARKET LEADER
PrimoCollect Group of Companies (“PrimoCollect”) - the largest independent
Ukrainian NPL operator and collection agency was founded in 2006 (Ultimo).
In July 2010 Abris Capital Partners, a large CEE Private Equity Fund, became a
majority shareholder of PrimoCollect Group. This acquisition symbolized a new
stage in development of the company and spurred its continuing growth at the
Ukrainian market. Mezzanine Management became a minority shareholder in late
2010. Our investors have large capital commitments to fund PrimoCollect growth
and NPL acquisition activity.
jul, 2010
Dec, 2010
Purchase
of first
portfolio
jun, 2008

3. MAIN FIGURES
PrimoCollect Group offers the unique combination of local operational
expertise, strong foreign institutional investor base, extensive founder track
record of NPL transactions in Eastern Europe and highest standards of
information disclosure, transparency and corporate governance.
Soft collection – 400 + operators
More than 12k connected calls / 100k attempts per day
Up to 60k letters per week, typical monthly volume over 240k letters
2 mln SMS per month
50k IVR per day
Ability to service large pools (> 900k cases) of retail NPLs
50+ field collectors with additional
capacity outsourced (30+)
Legal Department: lawyers, prepare
100%
documentation, B2B specialists
cove
Around 3k field visits per month
Expandable (up to 50%) collection
rage
capacity
New IT systems and complete
range of soft collection tools �
(dialling systems, SMS, other)

4. PRODUCTS AND SERVICES
FOR YOUR BUSINESS
PrimoCollect employs sophisticated, scoring, valuation and
collections processes that utilize a unique proprietary IT platform,
providing the company with market-leading tools and strategies
for managing and collecting client NPL portfolios and portfolios
owned by the group.
PrimoCollect offers the following services to clients:
Purchase of Debt – providing clients with liquidity through acquisition of
portfolios of delinquent loans.
Outsource Debt Collection – providing clients with the full range of traditional
debt collections services, including all types of outsourced collections, including
soft, hard and legal, for all types of banking products.
Consulting – consulting clients on credit risk management, assessment of the
effectiveness and opportunities for improvement of the debt collection
processes, evaluation and development of scoring systems for clients, as well as
IT consulting.

5. WE ACCOMPANY THE CLIENT
AT ALL STAGES
Last payment day
0 – 180 days ago 180 - 540 540 +
Purchase
Regular
Internal Internal Outsourcing portfolio
PAYMENT HISTORY
collection collection (commission)
restructuring restructuring
Sometimes Consulting
Internal Outsourcing
Sell portfolio
collection (commission)
change strategy Working with
your portfolios
Seldom
Outsourcing
Sell portfolio Sell portfolio
(commission) Legal
Never or
Outsourcing
once
(commission) Legal Legal

6. SELL PORTFOLIO –
GET CASH FLOW
Nominal sales price is equivalent to net cash flows for 12-16 months of col-
lection. At the same time taking into account the discounting, cash flow from
sales is always greater than 10 - 40% of cash flow from internal collection.

7. TRY THE BEST PRACTICE ON MARKET
Cases for Reference
outsourcing data +20%
+25%
Segmentation
Internal collection
Internal collection
Primo Collect
Primo Collect
Best Reclassification
Fraud
Restructuring
Selection the strategy
Recoveries Costs or Net CF
comission
Strategy 1 Strategy 2
Stage 1 Stage 1
Stage 2 Stage 2 Giving us the portfolio for outsourcing you get a
Stage 3 Stage 3
more efficient process, a greater Cash Flow and
will be focus on core business.
...
... Strategy N
...
... Stage 1
...
... Stage 2
... ...
Stage 3

8. GENERAL COLLECTION
PROCESSES
Stage 1
Stage 2
Stage 3
Rapid distant Thorough process PrimoCollect
communication of personal visits manages:
with debtors: to debtors in order • prosecution in courts
• letters to convince them • executive service
• phone calls of the necessity • law enforcement
• SMS to repay
• IVR
• IVM etc.
SKIP TRACING RESTRUCTURING WITHDRAWAL
Lawyers and B2B
specialists – responsible
for portfolio cases
100 % coverage Security Department

9. IT KNOW-HOW - “ePrimo”
ePrimo created special for debtors. From today the customers may get
up-to-date information about their debts on-line.
Offers Payments
Refinancing
Restructuring
Actions
On-line Balance
consulting

10. SECURITY & PERSONAL DATA
Infrastructure
• Public Key infractructure based
on certificates
• Certificates expires after 30 days
• Security protocol HTTPS
• Randomize password by SMS
(only known phones)
• Password expires after 5 minutes
DataBase
• Restricted area with read
only privileges
• Temporary tables for insert
and update data
• Night process for data
replication

11. CLIENTS & MEMBERSHIP

12. 03067 Kiev, I. Lepse Blv, 4, 79015 Lvov, Smal’-Stots’koho str, 1
BC Silver, tel./ fax +38 (044) 351 18 78 tel./fax. (032) 242 99 30
Valeriy Kopelets: vkopelets@primocollect.com.ua office@primocollect.com.ua
Lyudmila Tkach: ltkach@primocollect.com.ua www.primocollect.com.ua