M NS Credit Management Group Global debt Collection and Credit Management Solutions

1. MNS Credit Management Group Global debt Collection and Credit Management Solutions An Overview

2. About MNS • MNS Established in 1999, is the leading Soft Debt Collection, Credit & Risk • Management Solution and supplier of Global Credit Reports in the country, • catering to both International & Domestic clients. • Highly dedicated team of professionals, with a proven track record in India and overseas, specializing in credit management and risk services. • Location – our corporate office is located in New Delhi, India where Collection, Reporting, Human Resources, Sales and Mktg., Management and Information Services are centralized. • Group comprises of highly qualified Legal, Finance and Management Professionals practicing in their respective fields for more than two to four decades. • Professional, ethical and dedicated group • One of the India’s fastest growing professional, organized and soft debt • collection agencies with office having modern facilities. Credit Solutions Beyond Expectations

3. Services • Global Debt Collection (B2B & B2C) • Business Information Reports /Credit Reporting Services • Business Advisory Services • Arranging Legal and Para-Legal Services Credit Solutions Beyond Expectations

4. Debt Collection • Domestic Debt Collection Started since inception • International Debt Collection Started in mid 2004 and growing rapidly. • Core strength • Embassies , Exporter associations, Credit Insurance Companies strongly recommend MNS • Handle Debt Collection in 150+ countries Our claims geography • Applications of Debt Collection include (but are not limited to) the following: : • Commercial Debts (B2B) : Overdue Export and Import trade Bills, Unpaid Service bills and commission, Unreturned Advance payments / non-shipment, Breach of contracts / sale & service agreements. • Consumer debts (B2C) : International Credit Cards, International Hospital and medical bills, Over drawn accounts of International Banks, Unpaid Telecom and hotel bills, Unpaid Educational fees and rentals, Overpaid salaries Asia America Europe Middle East & Africa No Collection-No Fee | No Hidden Cost | No Placement Fee

5. Collection Strategy in General • Our collection will be in a diplomatic manner and press strongly for payment and negotiate with the debtors using our proven methods to secure payment under mutual Agreement. • The debt collection strategy includes tracing and verifying the address and the current status of the Debtors, follow-up with them regularly and even arranging face to face discussions for an Amicable Settlement by following proven principles of negotiation including; • Bringing Parties to the Negotiation Table • Establishing Facts • Identifying the problems, • Clarifying Issues • Developing Options for Settlements • Ultimately reaching Agreement by getting written acknowledgement from the • debtor • In case amicable settlement fails, In-House Legal Notices are issued at no extra cost. Finally Legal action is initiated at very competitive actual cost if required

6. Collection Strategy in General Amicable Recovery: • Extract data / information about debtor from the internal / local tools to get phone, address ….etc. • Phone calls to debtor • Visits to debtor if required • Demand Notices • Face to face negotiation if required • Official summon in case an intention to go legal confirmed • Regular reporting to client at every stage

7. Collection Strategy in General Legal Process: • Our dedication and sincerity • Full certified documents proving the debt + POA to be obtained before starting. • Legal fees to be calculated on case by case and payable in advance + agreed success • fees on collected funds • Lawyers to file the case at preliminary courts, follow it up with regular reports to client. • Depends on results, case may be raised to higher courts. • In favor judgment - to be handled through the execution forces till its end • Legal Cycles above may take from 2 to 3 years - depends on case disputes and appeals • from country to country

8. Business Information Reports • One of the leading supplier of global business Information reports in India. • Reports are made based on client's actual needs, enable clients to determine a company's latest creditworthiness facilitating informed credit decisions. • MNS’s Business Information services include Credit Report, Credit Appraisal Reports, Investigatory Reports, Credit assessment checks, Financial Information, Due Diligence Reports , Litigation Search Reports, Verification reports and other search reports on companies in India and overseas. • MNS Furnishes credit reports for limited, private limited and for partnerships and sole • proprietorships firms at a very nominal cost with minimum turn around time. • MNS has a Specialized Team,Adequate Database and developed nationwide network that enables us to generate the accurate, reliable and detailed information on Indian Companies.

9. Arrange Legal Services • Full Legal Services made available at very competitive cost • Core Legal team in corporate office . Network of Affiliate Legal Attorney’s having expertise in local laws throughout India • MNS has vast experience with the Indian Legal system ranging from lower to the Supreme Court of India. Its Advisory Panel/Associates consist of Senior Lawyers practicing in various High Courts and the Supreme Court of India besides Retired Judges specializing in various branches of law, particularly commercial law. • Expertise in • Winding Up Petition • Recovery Suits • Criminal Case • Arbitration • Foreign Decree Execution in India.

10. Our Features • Our dedication and sincerity • No Recovery-No Fee, No placement Fee, No Hidden Charges for Pre-Legal efforts. • Global presence and local access in  more than 150 Countries • Competitive Commission Rates • Regular updates on cases assigned • High Success Rates • Expertise in Amicable Solutions that save time and legal cost • Our professionalism and personalized attention to each claim irrespective of the amount. • Our innovative and cost effective methods for amicably settling the claims

11. Motives & Objectives • Client's Satisfaction • Value addition to Client's business interests • Minimization of Client's costs • High ethical business Practices • Improve Cash flow • Objective is to be your partner in profitability

12. Why MNS • Efficient, Economical and Experienced debt collection services • Famous for following ethical business practices • In-depth understanding of the debt collection process in India • Pan India professional manpower deployment. • Never Use offensive methods for recovery • Systematic approach for enhanced success, even for complex cases • Strategic follow ups and timely escalations • Pioneer in professionalism & success rates. • Dedicated Professional team • No case is too big or too small for MNS • Satisfied Clients /associates World Over

13. MNS Network MNS Credit Management Group is well equipped to collect past due accounts from any part of the world. We have strategic partners in more than 150 countries spanning over South and North Americas, Europe, Asia pacific, Middle East and Africa. Global Presence-Local Access

14. Membership & Affiliations • TCM Group International • ACA International (ACA – USA) • Credit Services Association (CSA-UK) • The International Association of Commercial Collectors (IACC) • Federation of Indian Chambers of Commerce & Industry (FICCI) • Federation of Indian Export Organizations (FIEO)

15. Our Clientele • Indian and International Credit Insurance companies • Exporters & Importers • Publishing Companies through Associates • Inspection and Testing Companies • Banks and Financial Institutions • Multi National Companies and Corporate • Health & Hospitality Service providers • Collection Companies & Law Firms Keep clients relation Intact

16. Reach Us @ MNS Credit Management Group (P) Ltd. 906, DLF Tower-A, District Centre, Jasola, New Delhi - 110 025, INDIA Tel   : +91-11- 26954955, 26954966/41046210 Fax  : +91-11- 26946977-7977/41046204 Email : info@mnscredit.com www.mnscredit.com

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