GDS Link, LLC, founded in 2006 and headquartered in Dallas, Texas is a global provider of Risk Management Solutions & Consulting Services—supporting multiple industries and market verticals.

Our industry leading solutions can support an organization’s risk management requirements across the entire credit life-cycle of their customers—from credit initiation, through collections and recovery—GDS Link’s solution set allows for an entire risk management solution to be built—or components may be seamlessly integrated with existing legacy applications, thus being scalable while supporting the needs of both start-up organizations, and multi-national organizations—both real-time and batch processes are supported. The solutions are available to clients via SaaS or Licensed Model.

DataView360®—our core offering consists of modules, allowing for the design and implementation of component-based solutions, used through:

• ProcessAutomation• ApplicationProcessing• Decisioning• PortfolioReview• Optimization• ScorecardModelDevelopment,

Implementation&Monitoring

The solutions and services provided by GDS Link provides support to organizations within a vast range of industry verticals, including:

• FinancialServices• Retail• Utilities• Telecom• Leasing• BusinessLending• AlternativeFinancialServices

In addition to working directly with end-user clients, GDS Link solutions are available through our global value-added re-sellers.

I N D U S T R I E S

G D S L I N K : O V E R V I E W

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Our global staff is comprised of individuals with a wide range of credit experience, having worked for multiple financial institutions, software companies, and data bureaus.

Familiar with the large investments made by institutions in their legacy applications, GDS Link’s flagship product, DataView360 was designed to derive continued value from these systems, while delivering enhanced functionality and flexibility to the risk management community.

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The DataView360 suite of products supports:

• The decisioning requirements of Application Processing & Account Management

• Access to Data—from both internal and external sources

• Creation & Maintenance of:

+ DataAttributeSets + ScorecardModelImplementation + DecisionTrees + StrategySimulation, including: ChampionChallenger&Retro- scoringProcessesandOptimization.

Seamlessly conforming to the existing architecture of an organization, it minimizes the impact and costs of integration, while increasing speed to market.

S O L U T I O N G D S L i n k W O R L D W I D E

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Johannesburg, South Africa

Moscow, Russia

Dallas, Texas (Head Office)

Atlanta, Georgia

Madrid, Spain

Buenos Aires, Argentina

Manila, Philippines

Istanbul, Turkey

Regional OfficesDistr ibutors

Leeds, United Kingdom

Monaco

Head Office: Dallas, Texas, USA

Regional Offices:Atlanta, Georgia, USABuenos Aries, ArgentinaIstanbul, TurkeyLeeds, United KingdomMadrid, SpainMonacoManila, Philippines

Distributors:Moscow, RussiaJohannesburg, South Africa

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T H R E E

U S E O N LY W H AT you N E E DC U S T O M S O L U T I O N S W I T H you I N M I N D

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D e c i s i o n S t u d i o& O P T I M I Z AT I O N

D E C I S I O N E N G I N E

D E C I S I O N I N T E L L I G E N C E

T R A N S A C T I O NF L O W S

C A S E C e n t e r

D ATA E N G I N E

AT T R I B U T E W O R K B E N C H

D ATAG AT E WAY

All of the solutions offered within the suite of DataView360 products are component based—allowing for modular,SOAcustomizablesolutionstobeputintoplaceeffectively.

The CASECenter management framework supports the building and implementation of custom application screens for:

+ Consumer&BusinessLending + UniqueUserRolesandResponsibilities + UnlimitedApplicationStatuses&Queue Assignments + Lending&ApprovalLimits,basedonyour Company’sPolicies

CASECenter is capable of: Processing, Storing, and Manipulating any data required for your customer on-boarding—Data Archival, Compliance Monitoring,Reporting & Analytical Requirements are supportedbasedonyourrequirements—In addition to supporting Consumer & Business Lending, the CASECenter framework can be built to meet the process requirements associated with any account management activities, where human interaction is required.

The DataView360 platform is a suite of products that is comprised of Three Core Components which are used to build solutions based on an organizations exact risk management requirements. The toolkit design results in shorter implementation cycles and a beneficial cost structure, and provides a greater return on investment when compared to more off the shelf solutions.

CASECenter Framework: used to build Screens,WorkFlows,Queues,etc.,forApplication or ExceptionQueueHandling.

DataEngine Component: used to IntegratewithExistingLegacySystems,Internal&ExternalDataSources, and ProvidetheEngineforProcessingTransactions.

DecisionEngine Component: used to implementRisk Management Strategies & Flows including: the ImplementationofSegmentationStrategies&BusinessRules, Scorecards & Loan Assignment, and PricingTables.

C A S E C e n t e r

F O U R

ORIGINATIONS

C U S T O M E RMANAGEMENT

A N A LY T I C A LS O L U T I O N S

D A T AI NTEG RATI O N

F R A U DS O L U T I O N S

D ATAV I E W 3 6 0 C O R E C O M P O N E N T S

C A S E C e n t e r

teamuser

(manager)

users

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The DataEngine is comprised of 3Workbenches, each with a unique role in supporting the various activities required to manage the end-to-end process of a transaction. Also referred to as the TransactionEngine, unlike a transactional ‘black-box’, licensed clients have full access to the tools—allowingthem,attheiroption,tomodifytheprocessflowswithouttheneedtoengageGDSLinkpersonnel.

D a t a M A N A G E M E N T

F I V E

Used to implement the processing sequences of the end-to-end risk management solution built with the DataView360 solution set.

The Processor Workbench utilizes both the Connector and Attribute Workbenches to perform various activities:

+ CallingouttoThirdParties+ QueryingInternalDataSets+ PerformingDuplicateChecks+ GeneratingCustomDataAttributes

P R O C E S S O R W O R K B E N C H C O N N E C T O R W O R K B E N C H A T T R I B U T E W O R K B E N C H

Supports the seamless integration ofThirdParty&InternalDataSources,including:

+ MultipleHostSystems+ PointsofSale+ Legacyfront-end&back-endSystems+ ThirdPartyLoanManagementPlatforms

+ ThirdPartyDataBureaus+ InternalCustomerFiles

An extensive set of available Data Connectors to traditional and non-traditional third party data bureaus allows for more rapid solution development.

Custom summarized attributes based on raw data returned from data bureaus are easily implemented and tested with a simple to use scripting language.

These attributes are accessible through the DecisionEngine, where custom scorecards are then implemented. GDSLinkoffersasetof1,000plusnormalizedattributes,available for the three nationalconsumerbureaus.

Complete documentation is provided allowing licensees to have a full understanding of how the attributes were developed—these can be used to develop scorecards, and for credit decisioning.

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S T R A T E G Y I M P L E M E N T A T I O N

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Critical to the value of any risk management solution is the ability to rapidly adjust to changing market conditions, regulatory requirements, internal policy changes and new product initiatives. The DecisionEngine is the component which drives all of the risk management strategies — byapplying the logic to rendercreditdecisions,suchasevaluatingaconsumerorbusinessinformationforaloan,ordrivingtreatmentstrategiesbasedonexistingaccountrelationships.

DecisionEngine: addresses several obstacles often experienced by credit grantors when implementing risk strategies including: long implementation periods,difficultyinrapidlyrespondingtomarketandeconomicchanges, and inability to simulate results prior to theimplementationofanewpolicy.

DecisionStudio: this component is the graphical user interface of DecisionEngine, which is put into the hands of the business users—typically the risk management team. DecisionStudio is a user friendly object editor, that allows the user to quickly and reliably implement their risk management policies. Some of the key objects available in DecisionStudio are:

• Scorecards,includingLinearWeights,andAdverseReasons

• Segmentation Trees, to assign unique CreditStrategiestoPortfolioSegments

D E C I S I O N E N G I N E

DecisionEngine addresses these challenges by:

• HandingcontroloftheSystemRulesovertotheBusinessUser

• Reducing the Maintenance Cycle to aMinimum

• EnhancingtheBusinessUser’sConfidencein the quality of changes made to theirCorporateRiskStrategies

• ProvidingtheBusinessUserwiththeAbilitytoSimulatePlannedCreditPolicychanges,priortoproduction

• Maintaining a Decision History File, tosupportScorecard&StrategyMonitoring

D E C I S I O N S T U D I O

• SupportofChampion/Challengerprocessing• Calculation Scripts, to compute intermediate

valuessuchasDebt-to-IncomeRatios• Look-up Tables, to assign values based on

combinationsofvariablessuchascreditlimits• Processes,toorchestratetheorderof

processingobjects

Key to the success of deploying new risk strategies is the ability to perform a high degree of testing prior to pushing them into production. DecisionStudio provides two powerful processes to support the business user in this respect:

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S E V E N

A D D - O N R I S K T O O L SOptimization: an add-on component of DecisionStudio. By including Optimization Techniques in the Management of your credit portfolio, you can increase the performance of your existing strategies — through a better allocation of available resources.

This has a direct, positive impact on the overall profitability associated with each portfolio. Optimization identifies thebestofallpossiblescenariosthatrespectsthegivenoperational,financialorbusinessconstraints.

Optimization Techniques have value in any scenario where strategies need to be assigned to accounts or businesses that are under some form of resource constraint—some examples include:

credit risk marketing collections

Q U A L I T Y A S S U R A N C E

Thesystemisdesignedtoenhancetheconfidenceofthebusinessuserbysupportingtheabilitytoeasilyperformqualityassurancetestingoftheplannedriskstrategiespriortodeployingthemintoproduction.Thisincludestheabilitytocomparetwopreviouslyprocessedfilesandtoobservechangesinasubsetofvariables/attributesasthecomparisonsaremade.

S I M U L A T I O N

Testingasystempriortodeployingitintoproductionisakeystep,butfromabusinesspointofviewitisjustasimportanttounderstandwhatthepotentialimpactofchangestoriskpoliciesandstrategieswillhaveonthebusinessbeforegoinglive.

DecisionStudio allows the business user to change the existing rules, process a file with archived production data through the system and then monitor the value of a custom set of commercial indicators across every node of each segmentation tree. This way the user can assess the impact of planned policy changes on key indicators such as acceptance rates, limit usage or delinquency levels.

C R E D I T R I S K M A R K E T I N G C O L L E C T I O N S

Build the optimal segmentationtree instead of manually definingsegmentsbasedonpastjudgmentalexperience. This way risk can beminimized and account profitabilitymaximized.

Select the channel, promotionalpackageandofferforeachcustomerin a portfolio in order to maximizecustomer value given marketingbudgetconstraints.

Assigntheoptimalcollectionstrategyto the delinquent portfolio at theaccount level in order tomaximizerecoveries respecting resourcelimitations in terms of budget andcollectorsavailability.

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E I G H T

D e c i s i o n I n t e l l i g e n c e

DecisionLab, based on R-Project and statistical computing is used to support the development of custom scorecard models.

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A P P L I C AT I O N D ATA

P E R F O R M A N C E D ATA

D ATA I S C O L L E C T E D & A N A LY Z E D

$C U STO M S CO R ECA R D S & ATTRIBUTES ARE THEN DEFINED & GENERATED

C R E D I T B U R E A U D ATA

Internal data, including: ApplicationData,PerformanceData, along with the Original Credit Bureau Data is assembled—creating a comprehensive map of an applicant’s data profile.

DecisionLab then identifies predictive data attributes related to the performance indicator—once established, the system will generate code behind the predictive attributes along with score intervals, population distributions, expected values and forecast tables that are used to set score cut-offs based on an institution’s target approval rates and loss targets.

In times of rapid changes and uncertainty supervising the predictiveness of scorecards and credit policies is essential. DecisionIntelligence, along with DecisionStudio, supports the continuous performance monitoring of generic or custom scoring models. Reports such as Performance,Stability,andCharacteristicAnalyses are easily generated with DecisionIntelligence, Risk Management staff have the tools to anticipate appropriate corrections before adverse impacts on the business. Benefits of DecisionIntellingence include:

• EasytouseGraphicalUserInterface• Fullusercontrolfromthebeginningtotheend• Instantandautomaticdataloadingduetofull

integrationwithGDSLinkDecisionStudio• Industry-standardandreliableanalyses• Buildanunlimitednumberofindicatorstobe

usedintheanalyses• Badrates• Acceptance/Rejectrates• Amounts

R E P O R T I N G S H O W S P E R F O R M A N C E D ATA A M O N G C U S T O M E R S

]DecisionStudio& OPTIMIZATION

DECISION INTELLIGENCE

DECISION LAB

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The modules, which encompass DataView360, are web services-based solutions rendered through SaaS,oraSoftwareLicenseAgreement, to be hosted on your preferred network.

DataView360 seamlessly integrates into any front or back-end system—including an existing application processing system, or legacy loan management solution—providing an organization with the toolsnecessary to maximize the value of past technologyinvestments.

S a a S( the cloud )

W E B S E R V I C E S - B A S E D

ORL I C E N S E

A G R E E M E N T

G D S L I N K H O S T E D H O S T E D O NY O U R N E T W O R K

T H E R I G H T T E C H N O L O G Y

N I N E

GDS Link’s DataGateway is comprised of a comprehensive set of Data Connectors used to access consumer and commercial data sources that can be leveraged throughout the life-cycle of your customer.

Over 30 data connectors can be used in support of your credit strategies for loan originations through collections and recovery.

Lenders, focused on prime consumers, can find that non-traditionaldatasourcescanaddlifttothestrengthofcustomscorecardmodelsandsupportmorerobustpricingstrategies. Lenders transacting over the internet will find the multiple ID and fraud mitigation solutions critical to their business processes. Lenders in the alternative financial services sector benefit from rapid access to a large array of bureaus focused on their business model.

Clients can use the DataGateway as a standalone solution to integrate all of these data sources, through one, simple web-service interface.

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