Designed to drive loan servicing performance across Asia and beyond

Capital has developed one of the most advanced asset management systems in the industry, known as SCORE (Servicing Company Operating and Reporting Engine). Web-based with a multi-lingual user-friendly interface, SCORE was specifically designed with the vision of providing global servicing capabilities. It allows rapid market entry, data loading and servicing of a variety of asset classes and products. Our efficient use of technology translates into greater economies of scale, transparency, a higher level of service and ultimately greater investor returns. The integration of the primary and special servicing platforms allows for greater flexibility and functionality with less resource requirements than other systems in the industry.

SCORE fully supports servicing of the following asset classes:

• Performing and Non-Performing Loans (Commercial, Residentialm Hospitality)
• Performing Loan and NPL Securitizations
• Real Estate Investments
• Real Estate Owned
• Conduit Loans
• Structured Mortgage Loans

Special Servicing Features

• Multiple loan, borrower and property environment
• Detailed legal tracking
• Easy to use templates and tools for NPL asset boarding
• Borrower contact logs
• On-line policies and procedures
• Loan and collateral collection application
• Surveillance and management reports
• Detailed expense tracking
• Default interest accrual
• Business plans for cash flow projection and approval
• Loan write-downs and balance adjustments

Primary Servicing Features

• Flexible amortization calculator for scenario simulations
• Sophisticated delinquency escalation module integrated with contact log
• Customizable letter templates and phone scripts at both program and loan level
• Flexible payment term setup through calculation patterns
• Ability to track reserves and escrow accounts at the loan level
• Ability to handle insurance billing and calculations
• Third party billing and payment processing
• Loan modifications
• Supports loan sales and securitizations Index maintenance
• Interest and payment review
• Flexible late fee calculation and billing
• Multiple calendar support
• Custom alerts and task managers
• Automated billing
• Bulk loan upload and maintenance
• Automated loan acceptance for originated loans

General System Features

• Multi-language
• Multi-currency
• Scorecard - daily summary of critical tasks
• Dynamic role based security
• Customizable reference codes and pull downs to accommodate local process variances
• Multiple compliance and audit controls
• Seamless Integration with Business Intelligence engine - SCORE BI for standard and ad hoc reports and query
• Online Help & policies and procedures
• Custom Alerts and task manager

For more on SCORE, please visit www.capscore.com .