CassiopaeEfficiency with global leasing solutionTashkent International Leasing Conference

April 28, 2011

© 2008 Cassiopæ - All rights reserved 2

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CASSIOPAE History and VisionExtend a success story

2010

19 M€

2009

13 M€ 2008

11 M€

2007

10 M€

2003

2010

19 M€

2009

13 M€ 2008

11 M€

2007

10 M€

20032002

6 M€

1999

3 M€1987

2002

6 M€

1999

3 M€1987

2012

25 M (f)

2011

21M (f)

2012

25 M (f)

2011

21M (f)

Real Estate

Leasing

Car Leasing

Lease and Real

Estate

10 countrie

s

Global

Asset Finance

30 countries

Global Finance and

Asset Managemen

t

Loans

Property

Management

© 2008 Cassiopæ - All rights reserved 3

JAPAN

IRELAND

UK

FRANCE

SPAIN

ITALY

BELGIUM

SWITZERLAND

NEOCALEDONIA

ALGERIA

GABON

CAMEROONMAURITIUS

LIBYA

USA

ANTILLES

PORTUGAL

GERMANY

HUNGARY

POLAND

CZECH REPUBLICNETHERLANDS

LUXEMBOURG CHECZ REP.

HUNGARY

MOROCCO

CASSIOPAE Corporate Overview Strategy & Vision

AUSTRIA

ROMANIA

POLAND

SENEGAL

Cassiopæ Inc.

CEO: Noel WebsterHQ: BostonFTE: 10

Cassiopæ Inc.

CEO: Noel WebsterHQ: BostonFTE: 10

Cassiopæ SAS

CEO : Emmanuel GILLETHQ : ParisFTE : 90 + Offshore 40

Cassiopæ SAS

CEO : Emmanuel GILLETHQ : ParisFTE : 90 + Offshore 40

Global niche leader for the asset finance software industry 20 years of proven track record in the niche in Europe and the US Provide a single package for all asset finance products Established global presence, 150+ billions € loans serviced in 30 countries 175 professionals in Europe, MEA, APAC and in the US

FINLAND

SERBIA

EGYPT

TUNISIA

IVORY COAST

CZECH REP.

© 2008 Cassiopæ - All rights reserved 4

Projects in CEE markets

© 2008 Cassiopæ - All rights reserved 5

CASSIOPAE Corporate OverviewSome of our references

Financial Services

© 2008 Cassiopæ - All rights reserved 6

CASSIOPAE SolutionPackage design approach

Functions

Common

Loan

s

Lease

Real Estate

Rea

l Est

ate

Finan

ce L

ease

Finance Lease

Operating Lease Funding

Hedging

Lin

es o

f cre

dit

Mortgage

Property

mgmt

Construction

Financial

core

PROPERTY

LOANSLEASE

Package design principles Apply best practices of our

customers Focus on the asset finance niche Object-oriented design Upfront multi countries design 1 single package in a single

dbase

Multi product types Leases:

Finance lease Full service Fleet Real Estate

Loans : Asset backed Mortgage Revolver Floor plan Structured finance Islamic Loans

© 2008 Cassiopæ - All rights reserved 7

CASSIOPAE SolutionPackage features

Comprehensive Front to Back solution

PROPOSALMANAGEMENT

QUOTE CONTRACTMANAGEMENT

LEASE

Equipment Full service Real Estate

LOANS

Asset backedMortgageRevolving

Payment schedulePayment schedule

QuotationQuotation

Funding RequestFunding Request

CommissionsCommissions

Request MonitoringRequest Monitoring

Credit ScoreCredit Score

Prospect AnalysisProspect Analysis

Credit ApprovalCredit Approval

Master AgreementManagement

Master AgreementManagement

CommitmentCommitment

SyndicationSyndication

PO, Supplier Invoice

&Payment

PO, Supplier Invoice

&PaymentContract Take-On

Contract Take-On

Asset Management

Asset Management

Payment Collection

Payment Collection Payables and

Disbursement

Payables andDisbursement

Amendments& extensions

Amendments& extensions Services

management

Servicesmanagement

Early & regularEnd of contract

Early & regularEnd of contract Repossession

& Sale Assets

Repossession& Sale Assets

Workflow, Tasks management, Document production and managementWorkflow, Tasks management, Document production and management

DelinquencyManagement

DelinquencyManagement

ACCOUNTING

ActorsManagement

ActorsManagement

Reporting and analysisReporting and analysis

Accruals & Deferrals

Accruals & Deferrals

TaxesTaxes

Provision for Losses

Provision for Losses

Month End Processing

Month End Processing

G/LInterface

G/LInterface

Central bankReporting

Central bankReporting

BillingBilling

Late chargesdefault

interests

Late chargesdefault

interests

© 2008 Cassiopæ - All rights reserved 8

Workflow Customer

Self Serve

Investor

Self Serve

User Reportin

g Self Serve

Document

Management

Data Warehous

e

Loan and Lease

Management

CASSIOPAE OverviewFully-Integrated Loan & Lease

Servicing

© 2008 Cassiopæ - All rights reserved 9

CASSIOPAE SolutionFunctional highlights

Any finance product, any asset, anywhere• Leases (Finance Lease, Operating Lease, Full Service, Tax Lease, …) and

Loans (Annuity, Term, Revolver, Structured finance, …)• Any Assets (Vehicle, Real Estate, Equipments) Owned, funded, managed• Multi lingual, multi-countries, multi-currency, multi-portfolio, multi-GAAP• Localisation: taxation, units (sq. ft, m2, …), bank accounts and payment file

(NACHA, Zengin, …)

Comprehensive processing and data store• Manage all the contract processing stages : origination to termination, asset

sold• Manage all contract related data : actors (companies, SPVs, borrower,

guarantor, participant, …), properties, equipments, other collateral, insurance, …

Flexible processing• Configurable workflow, task management and data control per loan product

type• Manage very basic to very complex deal structure with facilities and tranches• On balance sheet, off balance sheet, third party servicing, SPV management• Database design enables complex relations being actors, loans and assets

Secured processing and audit trail• Event driven processing allowing four eyes principles and granular access

rights• Comprehensive audit trail through online event history reports

© 2008 Cassiopæ - All rights reserved 10

Key messages

Global solution designed to handle localization issues

Boost sales with multi product type

Richest financial calculation engine in the industry

Transparency & Efficiency in operation

Reduce operations costs

Reduce cost of ownership

Reduce business risk

20 years of proven track record

90+ satisfied customer in 30+ countries use Cassiopae

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