eClaims UK. HELPI NG FI NANCI AL P RO V IDER S CH ART THE R IGH T C OUR SE TH ROUG H FI NANCI AL PROD UCT CLAIMS I SSUE S.

Our Head Office In Strathclyde Business Park - Bellshill.

eClaims UK – Part of Weber Wolf.

47 Grovewood Business Centre Strathclyde Business Park Bellshill ML4 3NQ. UK Wide Services: Open 8.00am - 8.30pm (Monday to Saturday. Closed Sunday). E: enquiries@eclaimsuk.com.

Specialist - To Financial Service Providers . | London | Birmingham | Manchester | Glasgow|

2014.

Over 21 Years Experience.

State Of The Art Facilities.

Volume Claims Handling.

Secure Online Data Links.

Multi Claims Processing.

24/7 Data Review Access.

FOS - Escalation Specialists.

Financial Services Providers – Our Service Guide.

Contents:

1. About Us.

2. Our Working Process.

3. Your Claims.

4. Online Portal Encryption Security.

5. Benefits To Financial Services Providers.

6. Investors & Advisors.

7. Professional Insurances & Indemnities.

8. IFA Claims - Monthly Processing Package.

9. State Of The Art Claims & Complaint Management Services.

10. Specialised eTeam Project Support Services.

11. Regulatory Support & Remediation Services.

12. Legacy Portfolio Projects.

13. Actuarial Project Services.

14. eTeams Campus - High Quality Personnel Placements.

15. Leading From The Front - Open An Account & Join Us.

1. About Us. eClaims UK empowers Banks, Mortgage Lenders, IFA's, Insurance Companies, in fact all FCA/FSA regulated financial providers, to deal effectively and securely with all missold financial product claim issues. We provide a comprehensive and bespoke Claims Management Processing Service to UK Financial Service Providers, allowing for complete online visibility, full claim audit and risk assessment via digitised processing. We deal with the full spectrum of potential missold claims from standard PPI to Mortgages to complex Investment claims offering over 21 years of unrivalled experience complemented by current state of the art secure online facilities for dealing comprehensively with high volume missold claims management processing. 2. Our Working Process.

We deal with provider client claims from the point a complaint lands on your desk through to full risk assessment and audit report status (CeMAP & CeRCH in-house qualified specialists) providing you with an authorised fully audited claim status quickly and efficiently. From there you make the informed and compliant decisions. We can offer a provision of service quotation to providers within 7 days of a review and request status. We operate a minimum contract period and minimum monthly claims volume policy. We have no restriction on claim processing numbers subject to our terms.

www.eclaimsuk.com

3. Your Claims. We liaise with your claimant clients from start to finish. Allowing you to review the ongoing positions of their claim/s as well as generating daily/weekly/monthly status reports on multiple accrued claim risks via our online portals 24/7. (If required we can facilitate restricted online access for claimants to view progress of their claim/s - This has shown to enhance your customer service claims capabilities, by reducing the number of incoming calls and reducing a build up of negative statistics around provider complaints handling ) We also follow through with FOS processed complaint handling dealing directly with FOS staff on escalated file cases to conclusion and decision.

4. Online Portal Encryption Security.

www.eclaimsuk.com

We exchange documentation through an easy-to-set-up online portal system that offers the same high levels of security and privacy as government agencies, but without the complexity or enormous cost.

Our proven economical encryption platform combines industry-leading document-level encryption and client-side key management technology to ensure confidential documents remain secure and private no matter where they are sent or stored.

5. Our Philosophy.

Our mission is set in providing completely private and fully secured and bespoke online Claims Management Services that are convenient and affordable for Financial Services Organizations. At eClaims UK we focus on providing an efficient provision for our clients. Developing a successful model to deal effectively with bulk missold multiple financial claim cases. 6. Investors & Advisors.

eClaims UK is a rapidly growing business formed in 2012 and backed by experienced management, investors and advisors. With over 21 years experience in dealing with Financial Product claims. Our staff have straddled the pre and post regulation era, dealing with all manner of Financial Product & Specialised Investment claims. 7. Professional Insurances & Indemnities.

www.eclaimsuk.com

eClaims UK operates a professional multi risk policy Ref No - PI 14O691905 (HCC International). We have professional indemnity cover to £1 million sterling. Employer liability cover to £10 million. Public liability cover to £5 million.

8. eClaims UK - IFA Claims Monthly Processing Package.

www.eclaimsuk.com

The IFA starter package is inclusive of the following provisions of service listed below and covers 10 claims or complaints processed per month. Let eClaims UK handle all your complaints and claims processing within current compliance and regulatory guidelines, from the moment you receive a complaint through to assessment summary conclusion or to agreed remediation or FOS submission. Decision Making Process: Ensuring complaint cases are dealt with within FCA requirements, FOS guidelines and accordance with the providers internal guidelines. Investigating claims and making decision on whether the case is upheld or rejected, in accordance with FCA guidelines.

Case Load Management: Pro-active diarised claims management, ensuring complaint cases are progressed to a resolution, within regulatory timescales and without unnecessary delays, and ensuring that all cases are dealt with in priority order to achieve team targets.

Communications: Extracting relevant information from clients carrying out a fair assessment for both client and provider. Obtaining co-operation from relevant operational areas and third party product providers. Then fully explain case decisions conclusions.

Customer Services: Delivering excellent customer service, striving to resolve complaint issues across all complaint parameters. Dealing directly via multiple points of contact with claimants by telecom and online portals, delivering a world class complaints handling service.

Redress Audit: Calculating and evaluating claim type matrix levels for compensation redress and goodwill payments per claim type, filtered to full portfolio case load. Providing reports, analysis and summary audit, listing outcomes for action and best policy practise to providers. Risk & Exposure: Preparing risk and exposure report on claim type portfolios. Providing outline strategy for redress timeline. Detail listing of inaccurate or fraudulent claim profiles. Report and summary conclusions for action.

Provider Redress: Audited report format on inappropriate submitted claims by claimants and CMC's and third party agents.

Our Flexibility: Providing a comprehensive quality service either on site or outsourced fully leveraging our in-house innovative technologies in providing you with sound, adaptable solutions.

Provider Online Access: Offering complete online visibility through our online digitised processing. Access all your client accounts, view individual or group claim types progress, review accruing statistical data; daily, weekly, monthly. Project exposure and risk parameters and manage same. (A Claimant claim portal can be activated - This has shown to enhance Customer Services by reducing incoming call volumes and reducing negative statistics around provider complaints handling). 9. State Of The Art Claims & Complaint Management Services. Insourced & Outsourced Specialists. Complaints are inevitable in any business operation. No business is without them. The Financial Products Sector has been highlighted over recent years, services and products developed in good faith have been the subject of inappropriate selling and this is being address. Dealing with Customer Complaints and Claims is crucial, recovering customer trust is essential, so the claims process must be addressed properly. At eClaims UK we strive to deliver outstanding complaint and claims management services. We help you quickly tackle the regulatory issues and strengthen your ability to deal with customer facing complaints and claims. Winning back customer trust and protecting your brands is a key component of our Claims Management Process. We pride ourselves in using secure state of the art facilities to handle all types of complaint issues, from PPI to complex Investments. Supporting you at each turn in completing regulatory requirements within all claims processing. eClaims UK On-time & Within Budget Fully Compliant Claims Processing Specialists. Whether it be one set of complaint parameters or thousands of complaint/claim issues over multiple product lines, from the moment a claim lands on your desk, to full data validation and claimant contact, right through to audit and risk assessment, to agreed payment and remediation solutions, eClaims UK can facilitate a package that suits your needs, quickly, efficiently and within budget. 10. Specialised eTeam Project Support Services. Project Support Services - Claims Management - Complaints Handlers. At eClaims UK we understand that the regulatory requirements of your business are constantly changing and this impacts on your requirements. Staff issues can arise as a result of these changes, workloads can rise and fall. This can be costly and very time consuming. eClaims UK can offer you access to our very best eTeam Professional Placements with our eManagers, eAssociates and eGraduates, offering project support to cover any claim, complaint or compliance issues, quickly and effectively and at an affordable cost. All eTeam professionals are fully trained eClaims staff. We are aware that Financial Providers needs can change overnight and as such, additional resourced requirements need to be met quickly.

At eClaims UK we can facilitate streamed and profiled placement of very high quality resourced services to resolve unanticipated as well as predicted business issues quickly, efficiently on time and on budget. Through our state of the art facilities, we can quickly increase or decrease resource requirements, be it a small team of two or three operatives to multiple team units covering multiple case issues across a broad spectrum of claims or complaints. IN-SOURCED. In-sourced (We can setup teams within 7 days of review and remit - Operating a visible secure digital link from our offices to your office/s UK wide). We can quickly put together a package that will deal with whatever client related Financial Product issues you have or arise as a consequence of regulatory change. OUTSOURCED. Outsourced (We can have highly trained external placements operating within an agreed timeframe). Again quickly putting together a package that will deal with whatever client related Financial Product issues you have or arise as a consequence of regulatory change, on time and within budget. eClaims UK currently in-source supportive services to clients in; Retail Banking, Credit Card Provision, IFA Services and Insurance Product Provisions. 11. Regulatory Support & Remediation Services.

eClaims Professional eTeams Delivering Skilled Services.

If you require regulatory compliance support quickly eClaims UK can provide. From remediation to project development and enhancements through to business process reviews. Providing updated regulatory advice and assistance via our eTeams Campus (From one small team to multi project teams) we can act quickly on any spiking regulatory issues or changed business process requirements. eClaims Risk & Compliance. Our eTeam staff partner with your management, helping to organise and comply with regulatory requirements. Assist with responding to situations of non compliance and improve the processes around information systems supporting governance and risk compliance. We assist clients to take a disciplined approach at regulatory management systems and operational compliance risks, through a combination of assessments, process improvements and model reviews and validation. eClaims Regulatory Support With: Compliance. Complaints & Claims Handling. Monitoring. Competence Reviews & Training. Project Management Development. Full Remediation Services.

12. Legacy Portfolio Projects.

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eClaims UK - Helping Insurance Providers Meet Regulatory & Compliance Challenges. If you have accrued Legacy Portfolios through mergers and acquisitions or inherited same via expansion, but no longer sell the products or they have become redundant within your systems, then let us help you deal with compliant closure of Legacy Portfolio books in a managed and productive manner, that is cost effective and does not impact on your other services. We can offer cost savings and effective efficiencies in dealing with your cases from identification and review, liability and risk costs to customer sign off. We deal with all aspects of the process, through automated systems management and workflow to call centre embedded eTeams and back office administration and accounting provision, as well as identifying potential cross-selling and retention prospects, providing you with an array of performance data that assists in dealing with the daily running of the project. eClaims Charging & Fees. We can offer a Fixed Fee service subject to a detailed review of portfolio size or we can provide a project review of all case data; verifying and validating policies, so that costs are allocated to active policies only and the customers concerned receive all the entitlements accruing. Why Choose eClaims For Your Legacy Portfolio Projects. Proper portfolio review process including compliance and regulatory controls adopted

within the project. Re-activate customer accounts - Who may not be aware they are clients and have

active policies. We help you retain customer trust and protect your brands.

Our data accrual and validation process quickly identifies your risk and liability

parameters. Work towards perfecting your management standards within current regulatory

requirements.

eClaims UK On-time & Within Budget Legacy Portfolio Project Specialists. Whether it be one set of legacy portfolio parameters or tens, we can deal with full data validation and client contact processing, right through to audit and risk assessment, to agreed payment and remediation solutions, eClaims UK can facilitate a package that suits your needs, quickly, efficiently and within budget. 13. Actuarial Project Services.

eClaims UK - Specialised Skills Via Professional eTeam Campus Resourcing. Pension scheme and life office related skills are a specialism at eClaims UK we can offer you our eTeams resourcing solution. As a regulated provider challenges are ever present at eClaims UK we understand your concerns. We can assist pensions schemes and life offices to dealt with such challenge and issues head on. Our Service Provision. We can quickly deliver eTeams of professional placements, large or small: eManagers actuaries, eAssociates and eGraduate back office staff, with experience and compliance related skills in this field. No matter the project size or volume related case issues eClaims staff are fully qualified and experienced to deal with developing Actuarial case and regulatory issues, quickly and effectively within days of review. All our project solutions contain a tailored and bespoke function that equates to our clients needs, full project case handling or assisting existing staff within actuarial operation issues is our speciality. eClaims UK - What We Can Offer: Data mining and financial reporting surveys. Full range of software diagnostic actuarial tools. Solvency & Compliance. Full systems review and analysis reports. Costing analysis & product development profiling. Full systems up review with transfer/migration analysis. Unit pricing reviews historical & projected. All pension scheme review. Risk assessment & remediation reports.

14. Our eTeams Campus provide high quality personnel across the professions via eClaims three tier Professional Placement Services.

eClaims UK - Offering Immediate Response Support. At eclaims UK we are well aware that unforeseen circumstances can create unplanned business needs particularly within the Financial Services Sector. Such needs can be matched by our bespoke services, providing flexible high quality and highly qualified staff via our eTeams Campus. Offering in-sourced teams of Claims and Financial Services Specialists who are managed and inserted by eClaims UK into client requirement operations From eGraduates to eAssociate levels then up to eManagers outsourced or Insourced. Leaving you free of the added burden of operational and recruitment costs, with over 20 years in complaints and claims management, we deliver effective specialised resources to Financial Service providers in an ever regulated trading environment. eManagers - Highly Experienced & Qualified Business Specialists. Our eManager executives are experienced individuals who can lead from the front. They deal with all appointed project issues from review to assessment and implementation. They command team ready and trained eAssociate or eGraduate team members to fully coordinate and execute agreed projects, quickly, effectively and within budget. Flexibility & Response. From temporary executive absences or team lead department turnarounds, we can complete your skill shortage requirements within days. We have dealt with every imaginable business related problem; Management changes, MBO/MBI, M&A, Maternity Cover, Unexpected Departures. Our eManagers have the highest insight and experience around dealing with business critical decisions. They are specialists in their fields; Actuaries, Project management, Financial Services and handpicked eClaims operatives who day in day out perform business critical roles for our clients.

eAssociates - Experienced & Skilled Operatives Within The Financial Services Sector.

Our eAssociates have gained experience and skills working in the Financial Services Sector.

From banking to insurance and investment related posts, they have held team leader or mid

level management positions. They have a broad spectrum of skills and a spread of working

knowledge at administrative level.

They are a core part of eClaims UK staff and adaptable in approach to all manner of Financial

Services related issues. They have specific knowledge and training in Regulatory Compliance

matters and are generally qualified to CeRCH level 3.

eGraduate - Highly Literate & Enthusiastic Seeking Work In The Financial Services Sector.

Our eGraduates are looking to enter the world of work and their chosen career path is within

the Financial Sector. They have high literacy and numeracy skills. They are enthusiastic and

capable individuals looking for an opportunity to excel and show of their talents.

They provide the backbone for eClaims in administration projects and task related disciplines;

case reviews, complaints management and handling, customer liaison. We are constantly

recruiting eGraduates to match our own needs and those of our client projects.

Our eTeams Campus Placements Offer - High Quality Personnel Across The Financial Professions : Quick Review & Assessment - Leading To Bespoke Deployment of Quality Assets To A

Project.

Well Trained Experienced & Skilled Staff - Working Towards Agreed Targets & Corporate Aims.

Retaining Customer Trust & Protecting Your Brand. Fully Responsive Management Structures - Covering Risk Governance & Mitigation

Solutions.

Scalable Provisions - Value & Cost Efficient Orientated Contract Terms.

Fully Minimising Costs - Maximising Value - Dealing With Unexpected Demands Effectively.

With Min £1million Professional Indemnity Insurance Cover.

All On Cost Admin & Accounting Services Dealt With Via eClaims Back Office.

15. Leading From The Front - Open An Account & Join Us.

www.eclaimsuk.com

Email Contact List: o General Enquiries - enquiries@eclaimsuk.com o Admin - admin@eclaimsuk.com o Tech Support - it@eclaimsuk.co o Accounts - accountseclaimsuk.com

Catchment Contact Tel Numbers: o Tel: Glasgow - 0141 356 1213. o Tel: Edinburgh - 0131 208 4567. o Tel: Birmingham - 0121 289 6364. o Tel: London - 0203 289 1616.

Regulators & Compliance: www.eclaimsuk.com is a trading style of Weber Wolf Limited. (A UK Company Registration Number - SC432306).

o Regulated by 'The Claims Management Regulator' Registration Number - CRM31376. o Regulated by the OFT Consumer Credit License No - 658076. o Licensed under The Data Protection Act 1998 - ICO Registration Number Z3393244. o Online Document Security - Full Certificate Management (CMP, CRMF, OCSP). o Certified SSL (RSA 1024) Secure Data Transfer Portal Compliant.

eClaims UK : Charting A Safe Course Through Complaint & Claim Issues. From the moment the complaint lands on your desk through to full risk assessment and audit report. (CeMAP & CeRCH in-house qualified specialists) providing you with an authorized, fully audited claims status quickly and efficiently. From there you make the informed decisions.

OFFERING - SMARTER CONTRACTING - TO BUILD THE RIGHT SOLUTIONS.

Retaining Your Customers Protecting Your Brands.

UK Wide Coverage : Glasgow - 0141 356 1213. Edinburgh - 0131 208 4567. Birmingham - 0121 286 6364. London - 0203 289 1616.

www.eclaimsuk.com is a trading style of Weber Wolf Limited (A UK Company Registration No - SC432306) Regulated by 'The Claims Management Regulator' Registered No CRM31376. Our registration is recorded on the website: (www.claimsregulation.gov.uk).

Regulated by the Office of Fair Trading: Consumer Credit Licence No - 658076. UK Data Protection - ICO Licensed Under The Data Protection Act 1998. Reg No Z3393244. Certified SSL (RSA 1024) Secure Data Transfer Portal Compliant.

All trademarks are protected fully by copyright law and owned by WWL © 2003/13. © 2014 eClaims UK. All rights reserved.