Areas We Are Focusing On

1. Areas We Are Focusing On • FRAUD AND ABUSE • Four key areas of deliberate near-term focus, built on common theme of Anomaly Detection • First Party (Credit Abuse/ Bust Out) • Third Party Fraud • Point of Compromise • EFT (ACH/Wire/Online) • Additional opportunistic focus on merchant, online, and consumer-facing fraud solutions • Approaches equally applicable to much larger, growing market e.g. Medicare, Cyber-security Focus on development and scaling Solutions primarily sold through partner channels • CUSTOMER CREDIT LIFECYCLE • Across stages of customer life-cycle, near-term focus on • Underwriting Solutions • Collections Solutions • Enormous IP developed through a series of custom deployments • Solution incubation mode, funding by ongoing partnerships` Focus on premium solution incubation at top-tier clients

2. Opportunity and Value Proposition Why we are in the Fraud space? • We have assets that uniquely position • us for success and explosive growth • Vast Prior Experience • Unique familiarity with Falcon strengths and weaknesses • Successful custom deployments of highly sophisticated fraud analytics • A partnership with a large payments services company for global distribution footprint • Agreement w/ major, global credit card company to co-develop and monetize fraud solution • Vast, powerful library of signals • Solutions at confluence of key data feeds • Market is more attractive than ever • Large and Growing. Solutions market estimated to be $600MM+ in financial services alone. Sectors of Opera focus growing by 10-30% annually • At Inflection Point. Falcon patent expiring in 2012. Big Data dynamics allowing an entry window to new solutions • Diverse. Issues extend beyond financial services (e.g. Medicare - $60Bn) • Underserved. Predominant focus on case handling, with weak analytics, rudimentary rules engines • Evolving. Appetite for alliances observed, can focus on core strengths

3. Fraud Solution Rules Visualization • We have developed a sophisticated Rules Visualization Layer which uses a “heat map” to identify the triggering of rules within the algorithm • Enables easy determination of Fraud Type inertia and Rules efficacy

4. Customer Credit Lifecycle: Market Focus Market Size and Strategy • $400MM + annual market across UW and collections, growing in international and non-FS • Solutions aimed at Tier 1 Card; Non-Card lending, future expansion to non-FS lending (e.g. telecom) • Uniquely positioned: accumulated IP & domain expertise, key account relationships • Premium, value/impact based offerings at large, institutional clients • Seeking partnerships with platform providers for solution integration and distribution Near-Term Solution Focus Collector Performance Aggregator Shared functionality with VektorTM Underwriting Suite Underwriting Platform and Visualization Components Collector Workstation Powered by Collections Recommender Engine

5. Collector Workstation: Dashboard Customer’s Ability and Willingness to Pay are determined by underlying analytics and real-time input from the collector Disparate data aggregator pulls valuable and disparate sources together in a single display for agent use Ability to update in real time based on situational, customer provided information Optimal treatment sequence prescribed by Recommender Engine