Confidential © 2014, Brighterion Inc. (all rights reserved) Keeping an eye on your business Brighterion Solutions SMART AGENTS SMART AGENTS UNSUPERVISED.

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

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

CONFIDENTIAL © 2014, Brighterion Inc. (all rights reserved) Keeping an eye on your business Model Incremental Learning Algorithms Adaptive Learning Reconciled Outputs Input Data Update Model Scored Data 3

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

CONFIDENTIAL © 2014, Brighterion Inc. (all rights reserved) Keeping an eye on your business 5 Easy Integration 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 Painless Installation No data warehouse requirement Works with off-the-shelf, mid-range servers No expensive databases for analytics or storage Fast Implementation Only 2-3 days of user training required 4-8 weeks to go-live, battle tested number Dynamic deployment Integration, Installation & Implementation

Confidential © 2014, Brighterion Inc. (all rights reserved) Keeping an eye on your business 6