1 Brighterion Solutions ADAPTIVE LEARNING NEURAL NETWORKS CASEBASED

1 Brighterion Solutions ADAPTIVE LEARNING NEURAL NETWORKS CASE-BASED REASONING GENETIC ALGORITHMS i f n o FUZZY LOGIC C BRMS / BUSINESS RULES n e d SMART AGENTS l a i t DATA MINING REAL-TIME, LONG-TERM, GEO, RS PROFILING UNSUPERVISED LEARNING • Real-time, cross channel transaction scoring • Adaptive Learning evolves with shifting fraud patterns • 1: 1 profiling of individual payment accounts and merchants Keeping an eye on your business © 2014, Brighterion Inc. (all rights reserved)

2 Automated Modeling Process n e d D. A. Engine • Any format • Any volume • Any sources i f n o Customer Data C • Data Expansion • Data Cleaning • Data Enrichment • Profiles l a i t • Automated model creation • 10 A. I. technologies Technologies Implementations Go Live in 4 -8 Weeks Keeping an eye on your business © 2014, Brighterion Inc. (all rights reserved)

3 Adaptive Learning Update Model N E D I F Input Data Model N O C L A I T Incremental Learning Algorithms Reconciled Outputs Scored Data Keeping an eye on your business © 2014, Brighterion Inc. (all rights reserved)

4 Key Performance Metrics L A I T • REAL-TIME, near real-time and batch trade processing • Highly-scalable distributed architecture N E D I F • BILLIONS of transactions processed per month per server • Less than 10 millisecond response times N O C • 99. 999% Guaranteed operational uptime • Longest model lifespan on market Keeping an eye on your business © 2014, Brighterion Inc. (all rights reserved)

5 Integration, Installation & Implementation Easy Integration L A I T • Works with any existing data feeds and infrastructure • Natively supports all major data types • Handles structured and unstructured data • Handles multiple data sources in parallel N E D I F Painless Installation • No data warehouse requirement • Works with off-the-shelf, mid-range servers • No expensive databases for analytics or storage N O C Fast Implementation • Only 2 -3 days of user training required • 4 -8 weeks to go-live, battle tested number • Dynamic deployment Keeping an eye on your business © 2014, Brighterion Inc. (all rights reserved)