Profit | Optimizer Product Overview

Profit|OptimizerSME Risk Management

Agenda

About Sum2Market Events and DriversProfit|Optimizer OverviewRisk Management ProcessProduct DemonstrationQuestions and Answers

About Sum2

Sum2 is dedicated to delivering sound practice product solutions to small and midsize enterprises (SME) that address risk management, corporate governance, shareholder communication and regulatory compliance.

Founded 2002

Sum2 Products

SME 360° Product Series

Profit|Optimizer IRS Audit Risk Program S3 SME Seismograph SME Check List Risk Management Webinars ISP BI Channel Services

PACO™ AML Products for Financial Institutions

Sum2 Partners

Fidelity Information Services Identity Verification

Experian Credit Reporting Credit Reporting Products

Telekurs Financial Securities Information

CreditAides SME Financial Health Assessments

Cervalis COLO and Business Continuity Services

Clients andDistributors

Business and Market Challenges for SME’s

Recession/Recovery Inflation/DeflationFX Volatility Valuation/EarningsReal Estate/Capital

MarketsTaxes, Sales, TradeYield Curves & EquitiesCapacity/InventoriesCredit & Capital

Impact on SME’s

Consumer SpendingB2B CyclicalCost of Capital Credit CrunchSupply ChainGlobalizationHyper-CompetitionSegment SoftnessMarket Realignments

Profit|OptimizerRisk Reward Assessment

The Profit|Optimizer provides frameworks for business managers to conduct a self assessment of operational and market risk factors and initiate actions to mitigate and manage threats and seize business opportunities.

Profit|OptimizerAssessment Process

Financial Health Assessment

Macro Risk Factors

Product Markets Dynamics

Business Functions

Critical Success Factors

ROI Calculation

Enterprise Risk Aggregation

Capital Allocation Decisions

Capital / CreditRaise

Business Plan

Implementation

Financial Health Assessment

SME Industry Service ProvidersChannel Applications

User Generated Business Intelligence

ISP/Associations Product Marketing Demand Aggregation Capital & Credit Capacity Utilization Hedging Psychographics/IAO

Capital

SME

DemandOptimization

ISP /Association

SME Risk Management

Secure Credit/Raise CapitalInformed Capital AllocationPerformance Measurement Forge Management Team Build Equity ValuationBusiness IntelligenceProduct DiscoveryGRC Program

Raise CapitalSecure Credit

TransparencyAble ManagementCritical AssessmentKnown Risk FactorsBusiness Model ConfidenceLender/Shareholder Confidence

Business Performance Management

Optimal Capital AllocationsPrioritizing & Planning Capability & OperationsAlign Strategy & Risk AppetiteBoard CommunicationMarket & CompetitionRisk Aware Culture

Profit|OptimizerProduct Features

•Z-Score Calculation and Financial Statement Review

Financial Health Metrics

•Products/Customers/Competition/Supply Chain/Market Dynamics

Product & Market Risk

•Management/Sales & Marketing/Operations/ Facilities/ Accounting/HR/IT

Function Assessment

•Event Metrics/Financial Ratios/ STEEPLE/ Macroeconomic

Critical Success Factors

•Risk Visualization / Aggregation/ ROI/ Prioritization

Management Dashboards

• Customer Service/ Workbook/ROI Calculator

Support

•Quarterly Z-Score / Webinar Review/ Management Seminar

Performance Measurement

Product FeaturesPerformance Dashboards

Risk Discovery, Assessment and Management Tools

Scores Risk Vulnerabilities

Performance Monitoring

Risk Aggregation & Visualization

Monetization, Prioritization Tracking and ROI

IARP/CARPCorporate Tax Audit Risk

•Industry Focus Issue Tier Assessment: One / Two / Three

IRS Audit Risk Factors

•Threat Scoring , Initiative Identification and Strategy Development

Mitigation Assessment

•Expense Estimation , Issue Assignment and Tracking

Event Management & Tracking

•Links to Guidance and Explanatory Documentation

Guidance & Documentation

•IRS Forms and IRS Issue Search Engines

IRS Document and Search

Adoption Frameworks Creating Value

Set and Realize Corporate Goals

Cohesive Management Team

Employee CommunicationDetect and Manage Risk New Products & Markets Brand DistinctionCapital Leakage

Adoption Frameworks Creating Value

Improved Capital AllocationShareholder CommunicationPrioritize, Monetize and VisualizeMonitor Manager EffectivenessHigh Performance Business PlanEffective Corporate Governance Improve Banking Relationships Improve Credit Score

360° View of Risk Clear Vista of Opportunities

Template 1: Market and Competition Assessment

Template 2.1: Product Service Grouping, Customers

Template 2.2: Product Service Grouping, Suppliers

Template 2.3: Product Service Grouping, Competition

Template 2.4: Product Service Grouping, Market DynamicsTemplate 3.1: General Management

Template 3.2: Sales/ Marketing Management

Template 3.3: Operations and Production Management

Template 3.4: Facilities Management

Template 3.5: Financial Management

Template 3.6: Planning and Information Management Template 3.7: People and Human Resource Management Template 4: Financial RatiosTemplate 5: Business and Financial Plan Assessment

Template 6: Scoring Specific Critical Success Factors

Template 7: Scoring Generic Critical Success Factors

Template 8: SWOT AnalysisTemplate 9: STEEPLE AnalysisTemplate 10: Macroeconomic Event Risk

Contact Details

James McCallumPresident PO Box 665Oakland, NJ 07436973.287.7535

E-mail : president@sum2.com

Blog: sum2llc blog

Website: www.sum2.com

Thank You for Your Interest

Sum2 is dedicated to the commercial promotion of sound practices. Sum2’s objective is to assist businesses to implement corporate sound practices that add exponential value for shareholders, employees, clients and to the communities in which they operate and serve.

Sum2 identifies its core competency to be the creative application of sound practice principles to the industries and businesses that we serve. Sum2’s SMB 360 is a clear example of this creative application of sound practices to an industry need. Sum2 is dedicated to corporate responsibility, ethical business practices, customer service excellence and delivering to our clients a unique and essential value proposition. We uphold these values in all our work and continually strive to deliver on the commitments that we make to our clients.

All products marketed by Sum2 are focused on risk management and GRC program implementation. We look to creatively package and bundle solution suites that address targeted client and industry market segment requirements. All product marketing activities and business development initiatives are guided by and conform to a clearly identified industrial application of sound practices.

We appreciate your business and look forward to hearing from you about our products and how we can improve it.

PO Box 665 Oakland, New Jersey 07436

973.287.7535customer.service@sum2.com

www.sum2.com