This presentation gives a clear idea of how companies can improve the results in the collections life cycle including pre-collection process, collection process, collection agency, and legal by using CollectPro. CollectPro is built on Force.com. The solution is easy to use and easy to configure.

1. Francisco E. Figueroa VP Business Development +1 (787) 944-7877

2. Agenda for Introduction Business Objectives Architecture CollectPro Characteristics Benefits Conclusions

3. Salesforce.com’s Mission: On Demand Innovation Driver, Catalyst & Evangelist On-Demand Client/Server Mainframe 21stCentury Platforms Late 20thCentury Platforms Mid 20thCentury Platforms

4. Strong growth of new customers > 43.600 paying customers > 1.200.000 paying subscribers April 30th, 2008 2001 2002 2003 2004 2005 2006 2007 2008 Fiscal Year Based on available figures for clients and subscribers. The bars represent fiscal trimesters.

5. ~20,000 ~30,000 ~25,000 ~40,000 45,000 ~4,200 ~2,600 ~4,000 ~5,500 ~2,600 ~2,000 ~1,500 ~2,500 ~1,800 The World’s Largest On-Demand CRM Deployments Run on Salesforce.com ~5,000

6. Chief Information Officer Chief Innovation Officer Chief Infrastructure Officer “long backlog, difficult to innovate” “hero to the business” “keep the lights on” Common Thread is Innovation. Not Infrastructure.

8. 100M+Transactions Daily Average Speed 225ms ~70% global deployments $100 Million Investment 2 Fully Mirrored Data Centers Scalable Architecture Disaster Recovery Trusted Global Infrastructure as a Service

9. Continuous Innovation – 26 Major Releases in 9 Years On Average Over 100 New Features Per Release All Customizations and Integrations Upgraded Automatically

10. Complementing the Functionality of CRM + = Success

11. Loved by Users, Executives and IT95% of customers surveyed would recommend to a colleague Easy to Manage by IT and Business Admins Easy to Use like the Consumer Web Complete Visibility For Executives Language Source: Independent survey by Customer Sat Inc., First Half 2007. 2623 respondents.

12. Agenda for Introduction Business Objectives Architecture CollectPro Characteristics Benefits Conclusions

13. Suppliers Capital Markets Regulators Banking Clearing House Insurance Retail Banking Customers Distribution Channels Banks Corporate Banking Customers Financial Services Industry Landscaspe

15. Effectiveness in the customer management

16. New Markets

18. Greater Efficiency & Effectiveness

19. Provide Confident and Updated Information

20. Comply with Capital Adequacy RequirementsReality of the Financial Industry

21. Competition Greater Profitability Isolated Applications 360º Vision of the Customer Dynamic Environment Fast & Flexible Implementation Effective Collections Industry Trends Goals Challenges Effective Use of Capital Lower Loan Loss Reserve

22. Automate collections with a technological platform that supports collection processes efficiently Specific CollectPro Objectives Improve agent productivity, thereby lowering risk and Loan Loss Reserve Provide a centralized repository for each step of the collection process and facilitate a consolidated view of each customer’s collection history

23. Agenda for Introduction Business Objectives Architecture CollectPro Characteristics Benefits Conclusions

24. Developed with the SaaS model Subscription Multiuser MULTINATIONALS Faster Vendor Innovation Economies of Scale Scalability Automatic Upgrades BIG BUSINESS SMALL BUSINESS

25. Top 100 Innovative Companies Technology of the Year Top Ten Disruptors of 2006 CRM Leader & Visionary Market Leader Enterprise CRM 2006 Product of the Year Best CRM & On-Demand Platform #11 Fifty People Who Matter Most Leader & Visionary World-Class Innovator Award #7 Top 10 Entrepreneurs & Cool Company #7 Top 100 Most Influential People Top 40 Broad Industry Recognition for Innovation

26. The Most Trusted & Secure Infrastructure Security Transparency SAS 70 Type II SysTrust certificated 128 bit SSL Network and Physical Security IP Restricted Access Option Flexible Single Sign-On Options Safety net Identity Confirmation

27. Native Desktop Connectors Integration Middleware Connectors Native ERP Connectors Mash-ups from AppExchange Developer Toolkits 1 Billion API calls per month 18.7 Billion Total API calls Easy to Integrate with Any System

28. C A B D Declarative Programmatic Approvals Intelligent Time-Based Formulas Outbound Messaging 59,200workflow rules 7 Millionautomated tasks Processes Automated by Workflow

29. Agenda for Introduction Business Objectives Architecture CollectPro Characteristics Benefits Conclusions

30. Enhance your Commercial Efforts with an Efficient Collection… Increase Collection Process Efficiency Integrate Commercial and Collection Processes Monitor KPIs Improve Agent Productivity ...and Accelerate the Results Integrating the Collection to your Call Center IntegrateCollectPro with your PBX/ACD (“screen popup) Obtain real/time Visibility Automate Telephone Dialing (“soft-phone”)

31. Remove barriers to your commercial processes 3 2 4 Monitor Past-DueAccounts Obtain Payment Promisses Close Deals Monitor Payment Promise Fulfillment Convertinto Opportunities Capture Prospects 1 ConfirmPayment & ThankCustomer Execute Marketing Campaigns Maintain a Good Relationship Sales Collection Marketing 5 Monitor Performance

32. Improve your Marketing Investment 1 Intelligent Lead Assignment Automated Lead Capture Higher Lead Conversion Stronger Pipeline Assign leads automatically No more leaked prospects Qualify & Convert Leads Monitor Process in Real Time Qualify leads to increase effectiveness Ensure adequate tracking

33. Increase the Commercial Productivity 2 360o View of Customer Shared View of Commercial Activity Greater Commercial Effectiveness Small Learning Curve Know your customer No more daily meetings or email reports Automated Approval Processes Automatic Proposal and E/mail Generation Eliminate duplicity No more bottlenecks

36. Monitor the Collections Process through KPIs 5 Real-Time Analysis Dashboards Monitor performance through dashboards Make timely decisions based on fresh information Complete Visibility of Collections Process and Results Monitor your enterprise health Discover Trends Enhance understanding of performance trends Adjust the processes based of actual performance

37. Behavioral Score Flexible Collections Strategy Profitability Category Delinquent Amount Delinquency Category Balance Collections Priority

38. Collections Strategy Collection Activities Risk Profile KPIs Customer Information Legal Cases Payments Letters E-mail SMS

39. System Integration CONSUMER LOANS CREDIT CARDS LIFE INSURANCE MORTGAGES CASUALTY INSURANCE COMMERCIAL LOANS BUSINESS LOANS CREDIT BUREAUS COLLECTION MANAGEMENT PROCESS MONITORING RISK PROFILE

40. Agenda for Introduction Business Objectives Architecture CollectPro Characteristics Benefits Conclusions

41. Financial Services Edition AGILITY LOWER RISK TIME TO VALUE HIGHER ROI IMPROVE EFFICIENCY ENHANCED COLLECTIONSINSIGHT LOWER LOAN LOSS RESERVE

42. ROI in Weeks, Not Months Client/Server Software On/Demand (SaaS) Break Even in 18 months ROI Break Even in 6 months Risk Source: Gartner, Customer Surveys ROI Time Value to Customer Risk Production in ~ 6 months Time Production in ~ 12 weeks

43. Drive Revenue Growth & Sales Success Effective Selling Process Optimize Lead Management Complete Visibility Improve Sales Rep Productivity

44. Increase Pipeline & Measure Results Drive More Leads Measure Campaign Performance Align Sales and Marketing

45. Take CollectPro Anywhere Remain connected anywhere It doesn´t need no infrastructure On-Demand Any application In your device

46. CollectPro Benefits Greater Profitability BETTER UTILIZATION OF CAPITAL DECREASE LOAN LOSS RESERVE LOWER COSTS Cost Reduction

47. “ There was no complication. Thetool (Collectforce) isintuitive and easyto use, and thetransitionprocesswasquick. Furthermore, thepartnerstructured, documentedthesolution and madetheinitialconfiguration. Rigoberto Pineda – CIO ” “ We have dramatically improved our win conversion rate for all outbound Call Center and have reduced our average in-bound customer service calls by 60 seconds by using CTI. Robert Callaci – VP Commercial Operations ” “ The best thing about running our call center on Salesforce is that we get our customers’ requests to the right place, the first time – and that we have become an agile organization that responds quickly to changing business needs. Monique Bender – Program Manager ” “ Salesforce gives us the ability to react quickly to changes driven by the business and to revise the app in minutes—not days or weeks—using easy point-and-click capabilities Mark Silber – IT Systems Architect ” “ I can create applications faster and cheaper than what I used to do with Notes, PowerBuilder, Visual BASIC, and SQL Server or another client-server tools. Anthony Scott – CIO ”

48. Agenda for Introduction Business Objectives Architecture CollectPro Characteristics Benefits Conclusions