MI – Payplan Portfolio trends & performance

Simon HarrisonBusiness Analyst

Confidential & Proprietary 1

Simon Harrison

Confidential & Proprietary 2

Average Surplus For New Client Contact

Simon Harrison

Confidential & Proprietary 3

Average Surpluses – Signs of levelling of at 10%-15% below pre July 2007 Levels

Simon Harrison

Confidential & Proprietary 4

Clients are seeking help earlier in the Debt Accumulation Process

Simon Harrison

Confidential & Proprietary 5

Average theoretical time to repay debts through an informal arrangement is now consistently over 10 years

Simon Harrison

Confidential & Proprietary 6

Client base continues to move to more affluent demographic

Simon Harrison

Confidential & Proprietary 7

We continue to see an increase in the percentage of clients who have mortgages

Simon Harrison

Confidential & Proprietary 8

Average Secured Debt for all new clients continues to rise

Simon Harrison

Confidential & Proprietary 9

The reduction in base rate is being evidenced in our profiling – current clients who have benefited are being re-assessed to increase surplus

Simon Harrison

Confidential & Proprietary 10

Client Profiling – “Before and After initial impact of economic crisis”

JULY 2007 JANUARY 2009 % Change

All client surplus £305.15 £278.16 -8.84%

New DMP surplus £310.90 £275.01 -11.54%

Av Unsec debt (All) £33083.37 £34740.16 5.01%

Av Unsec debt (New DMP)

£34172.01 £34796.70 1.83%

% Mortgaged (All) 34.85% 51.45% 47.60%

% Mortgaged (New DMP)

36.99% 53.18% 43.77%

DMP Term 9.16yrs 10.54yrs 15.12%

% Clients no surplus 12.84% 24.50% 47.76%

Av income (all) £1590.41 £1841.73 15.80%

Av income (New DMP) £1622.44 £1866.37 15.03%