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Oracle Financial Services Lending and Leasing (OFSLL)

Oracle Financial Services Lending and Leasing (OFSLL). Paul Mattiacci FSGBU GBT Head - Lending.

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Oracle Financial Services Lending and Leasing (OFSLL)

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  1. Oracle Financial Services Lending and Leasing (OFSLL) Paul MattiacciFSGBU GBT Head - Lending

  2. The preceding is intended to outline our general product direction. It is intended for information purposes only, and may not be incorporated into any contract. It is not a commitment to deliver any material, code, or functionality, and should not be relied upon in making purchasing decisions. The development, release, and timing of any features or functionality described for Oracle’s products remains at the sole discretion of Oracle.

  3. Program Agenda • Oracle FSGBU Welcome • Gateway One Lending & Finance Presentation • OFSLL Overview • Questions and Closing

  4. Gateway One Lending & Finance Presentation

  5. Open loan portfolios - increasing total balances Historically low percentage of delinquencies Average age of a car in the U.S. is 10+ years Credit requirements are easing Average credit scores continue to decrease Increasing percentage of subprime lending Increasing average finance amounts for both new and used vehicles Auto Lending is a Great Opportunity Space

  6. Oracle Financial Services Lending and Leasing Delivering Value to all Stakeholders in the Auto Lending Process Customer Dealer Knowledge Staff / IT Management • ENHANCED USER EXPERIENCE • SUPERIOR EXPERIENCE ACROSS CHANNELS • SCENARIO ANALYSIS TO UNDERSTAND THE EFFECT OF ANY CHANGE • ONE STOP SHOP FOR THE ENTIRE LIFECYCLE PROCESSING • QUICK CREDIT SCORING FOR FAST DECISIONS • SEAMLESS CUSTOMER INFORMATION ACROSS THE ORGANIZATION • PERSONALIZED DASHBOARDS FOR BUSINESS HEALTH CHECK • EFFECTIVE RISK AND COMPLIANCE MANAGEMENT • EFFICIENT FLOOR PLANNING • FLEXIBLE SUBSIDY PLANS • FLEXIBLE COMMISSION METHODS • EFFECTIVE BAD DEBT MANAGEMENT • ENHANCED OPERATIONAL CONTROL • EASY MODIFICATION AND ALIGNMENT OF PRODUCTS • PERSONALIZED ALERTS AND REMINDERS • FAST ROLLOUT THROUGH EXTENSIBLE PRODUCTS • FUTURE-PROOFING THORUGH OPEN SYSTEM FRAMEWORK

  7. OFSLL Functional Architecture Addresses All Components of the Auto Lending Lifecycle Origination Servicing Collections Payments and Settlements Tracking Additional Functionality Lending Lifecycle Flexible Product Configuration Multi-language and Multi-currency Operational Controls Accounting Process Flow Enabled Delinquency Processing/ Tracking Multiple Channel Collateral Management Repayments Third party Interfaces Workflow Management Business Rules Pre-payments Auditing General Ledger Booking Workflow Management ACH/Lockbox Collection Dashboards Configurable Schedules Provisioning Vendor Management Credit Scoring Insurance Processing Auto/ Manual Disbursements Customer Interactions & Follow ups Transaction Processing Auto Decision Reschedule/ Payment plan Remarketing Online Banking Web Services Interest Processing PTP/ Broken Promise Document Management Credit Card processing Charges and Fees Rate Revisions Full/ Partial Write off Wholesale Floor Planning Fraud Detection Specialty Collection/ Bad Debt Mgmt Payoff/ EOT processing Loan/ Lease Tracking Dealer/ Broker Management Dealer Statements Dealer Compensation Reserves and Recourse Processing Dealer Subvention Framework

  8. Proven Benefits to Our Customers Business Agility • Comprehensive functionalities providing end-to-end lending capabilities • Manage, monitor, improve and address the changing business processes • Manage risk and compliance Efficiency • Ability to launch innovative products to drive business growth • Empower user to make right decisions and be efficient • Comprehensive security Management • Seamless information management across the organization • Measure and improve performance IT • Extensible architecture supports evolving business needs • Open system framework helps current and future technological integration • Architecture enables support for expansion plans of the organization

  9. Todd Pierson Chief Operating Officer Gateway One Lending & Finance “Oracle Financial Services Lending and Leasing’s flexibility and robust functionality enables us to address our most pressing challenges, including enhancing the customer experience and keeping operational costs down. At the same time, we gain expanded insight that helps us to reduce risk.”

  10. Questions and Closing

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