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Case Study and Sample Slides Customer Intelligence Profiles

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Disclaimer

The sample contains excerpts from a study conducted by Sutherland Global Services for a client. the sample may not contain all the pages of the original document. THIS sample has been prepared by Sutherland Global Services, Inc. or its associates or affiliates (“Sutherland Global Services�) exclusively as an illustrative sample only and is sent to authorized recipients solely for the purpose of evaluating Sutherland Global Services' support service capabilities. THIS sample should not be considered as an offer to sell, a solicitation to buy, or an endorsement or recommendation of any company. Sutherland Global Services does not guarantee the accuracy, completeness or other characteristics of the data / information of the report. This Sample may not be reproduced or distributed (in whole or in part) to any third party without the express prior permission of Sutherland Global Services.

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Outline

1

XXX Overview

2

Processes

3

Industries Covered

4

Products & Services

5

Competitive Landscape

6

Key Developments

7

Where Does SGS Analytics Fit in?

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XXX is a leading provider of “Data” solutions to the mortgage, banking and automotive finance industry Revenues 12.0

In $ million

10.0 $10.0

8.0 6.0 4.0 2.0 0.0 2004

2005

2006

Employees 35 30 29

25 20

22

15

• XXX, LLC is a provider of end-to-end consumer marketing solutions to the mortgage, automotive, banking and credit union industries • It was founded in the year 1999 by Richard Scolio • It helps organizations improve their direct marketing ROI by generating target-specific leads through the use of proprietary analytics platform on its database • XXX, LLC was ranked 251 in Inc. Magazine’s Top 500 List of Fastest-Growing Companies with over 500% revenue growth over the past 3 years

10 5 0 2005

2006

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An expansive database, on the US population, containing individual credit & demographic data is its core offering

Data Source Experian Trans Union

Data Type

Target Individual Credit Score

Data Source

Data Type

Bankruptcy & Derogatory

Unknown

Data Source

Data Type

Unknown

Processed

Data Source Unknown Unknown

Auto Mart

Data Type

Refine

Execute

Vehicle Trade Data

Demographic data

Mortgage Mart

Student Loan Mart

Demographic Mart

Renters Mart

Vehicle Registration Body

Bankruptcy Mart

XXX has ‘data’ on over 200 million US consumers with 1,100 attributes for each Source: XXX & SGS Estimates

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Proprietary technologies/solutions help it leverage this database to provide solutions to the following industries Industry

Purpose

Size

Mortgage

Lead Generation / Targeting

50 million households

Automotive

Lead Generation

180 million consumers

Banking

Credit Checking

NA

Marketing Service Provider

Lead Generation

215 million consumers

Credit Unions

Pre-qualified Offer

120 million consumers

Database

Source: XXX & SGS Estimates

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Its proprietary solutions fall under three broad categories and may also be licensed on a subscription basis Intelidata Suite

Description

Intelidata Suite is a scalable database comprising three platforms - homeowner, consumer and prescreen. It links billions of records to provide the depth and breadth to meet the specific needs of marketers

Size

200 million consumer database

Usage

Features

It helps in Direct Marketing, Cross Sell, Up Sell, and Generation of Conversion Statistics

• Online Access • Advance Data Processing • Segmentation & Clustering • Data Append

Intelidata Express

OnePoint

It provides online count and fulfillment solution from customers’ own portals

It helps minimize the time and expense of campaign creation by controlling the coordination of list provider, creative designer, printer and the mail house through web-based application

It uses data from Intelidata suite

It uses credit, homeowner and demographic data

It helps in identifying prospects through customized search with its easy-to-use online interface, while its delivery engine takes the guesswork out of purchasing data.

It helps in marketing campaign, direct marketing, and direct mail

• Intuitive Interface • Online Access • Full File Counts • DNS List Management •Suppression

• Intuitive Interface • Online Access • Order Processing • Custom Segments • Flexible Drop Scheduling

Source: XXX & SGS Estimates

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Mortgage lenders use its solutions / services to target the right prospects for specific pre-approved credit offers

Data Items

Database

Process Solution & RPI*

Credit scores, Revolving balance, Mortgage balance, Dwelling type, Market value, Purchase date, Age, Income, Length of residence

Identifies the target based on selected parameters

Intelidata Express & One Point

Lending products to consumers – target by sub prime and conforming criteria match Choose the qualified leads – exclude homeowners who have recently refinanced or have a second mortgage Identify potential targets for debt consolidation – locate people with revolving debt and available equity Target by credit score, Market Value, and LTV – find the range that fits offer Target original, home equity or current loan information Coverage for sparse or missing home value data utilizing home valuation models

Total Records: 120 million consumer representing 60 million household Source: Credit Bureau, Public Records, Consumer Records *RPI:Risk Propensity Indicator Source: XXX & SGS Estimates

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Data Items

Database

Automotive dealers and loan providers use its solutions for identifying the best-suited prospects

Solution & RPI*

Months remaining on vehicle trades, payment information, credit scores, credit amount, repossession, age, & income

Identifies the target based on selected parameters

Intelidata Express & One Point

Match lending products to prescreened consumers – target by sub prime Omit unneeded data – exclude consumers who have recently taken out an auto trade Sort by loan/lease expiration date – discover consumers who will be coming off loans or leases within a time period Focus on first-time buyers – target people who have never had an auto loan or lease

Total Records: Updated monthly, it covers 120 million consumer records Source: Multiple credit bureaus, public record sources, and consumer records

*RPI:Risk Propensity Indicator Source: XXX & SGS Estimates

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Data Items

Database

Banks may use its solution for background / credit verification and specifically for student-loan target identification

Solution

Student loan trade, loan amount, number of lenders, repossession, age, income range, & debt counseling

Identifies the target based on selected parameters

Intelidata Express & One Point

Target consumers who are able to consolidate – select consumers with multiple loans from multiple lenders

Choose only the most qualified leads – exclude consumers with student loans currently in deferment Select consumers by total debt accrued – aggregate balance for open trades Append phone numbers – select accurate and up-to-date consumer phone records Match lending products to consumers – target by sub prime or prime

Total Records: Updated monthly, it contains 25 million consumer records Source: Multiple Credit Bureau *RPI:Risk Propensity Indicator Source: XXX & SGS Estimates

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Recent Developments

June 2005

XXX partnered with Arizona-based software Development Company vLender.com. vLender.com specializes in sale mortgage loan origination, marketing, and process flow management solutions to the mortgage industry vLender.com entered the partnership to use XXX’s One Point Platform for Virtual Lender; Online Solutions Provider to enhance vLender.com’s direct marketing capabilities. Using this platform, vLender.com's 2,000 mortgage broker customers can access credit, homeowner and demographic data along with direct mail templates to execute direct marketing campaigns

June 2006

XXX LLC introduced a new level of phone selection capability. XXX’s Phone Confidence Grade helps marketers identify the quality of phones they would like to use for a given campaign. Grades are determined by matching numbers across up to seven different phone sources. The grades are statistically derived depending on the number of matches and the source of the data. The use of multiple sources increases the callable universe for a list, which leads to additional opportunities for sales. This selection capability or Grade is targeted for telemarketers and was developed to address disconnect rates as well as the diminishing quantity of phones due to Do Not Call legislation

Aug 2006

XXX faced a fair credit class-action complaint in Baltimore Federal Court accusing the company of sending bogus offers of credit for $300 as a ruse to obtain consumers’ credit reports

June 2007

XXX released Intelidata Platform version 4.1. This release includes Intelidata Express online count and fulfillment application. It adds many new features designed to allow direct marketing professionals to choose and segment their data easily and on their own time

XXX has been using analytical products and services provided by Eagle Eye Direct, LLC. Eagle Eye is a data analytics company focusing on data mining, modeling and analysis. Some of the services provided by Eagle Eye to direct marketing companies include Response and Conversion Modeling, Customer Profiling, Sales Estimation, Post-Campaign Analysis, List Processing and Similarity Analysis

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Thank You

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