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www.ebusinessware.com

CreditDimensions

Company ProfileeBusinessware is a Wall Street headquartered global managed service firm offering end-to-end business and technology solutions. Founding members have had extensive corporate background and prestigious careers at world’s top institutions and consulting firms.

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ABOUT CREDITDIMENSIONS

CENTRE OF EXCELLENCE FOR DATA ANALYSIS

eBusinessware launched CreditDimensions to serve the financial institutions' need of managing counterparty reference data. The company, founded in 2001 and registered in Delaware USA, has offices in London, New York, Singapore, Australia, Pune and Gurgaon (India). CreditDimensions (CDi) is a specialist service company providing complete solutions for reference data and counterparty hierarchy challenges. It offers the financial industry a “one-stop shop” for data management services.

CreditDimensions has a comprehensive data cleansing workflow tool, which is made available either within your firewall or hosted at our facilities as managed service. Our in-depth industry expertise and global reach enables us to provide best services.

CreditDimensions products are established proven solutions that deliver clean and accurate data critical for operational efficiency, timely compliance, customer service and risk control. Our products support all the established business functions of a mature enterprise data management platform including data acquisition, cleansing, normalization, validation, enrichment and distribution.

CreditDimensions Centre of Excellence for Data Analysis located in Gurgaon, India is well-equipped with state-of-the-art infrastructure, capable of executing large and mission critical assignments. It provides an ideal and exclusive environment for creative and skilled professionals engaged in data management activities.

Our analysts have a balanced background in the areas of mathematics, statistics, accounting, business and engineering to meet the most challenging data management initiatives. They have deep subject matter expertise across a range of financial market processes for maintaining entity data, client, security setup, industry classification and financial market reconciliations.

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KEY CATALYSTSThe converging influences of aging legacy systems, globalization, competition, internal cost pressures, need to reduce settlement times and a minefield of new regulatory requirements like Basel II, KYC and the EU's Markets in Financial Instruments Directive (MiFID) are key catalysts for a re-engineering of the back offices of all types of financial institutions. Furthermore, renewed focus on core competency brings the needs for outsourcing of certain functions regarded as non-core to the revenue-generating goals of the business.

PAIN POINTSMost global financial institutions share common pain points for reference data acquisition and management:

l Organizations today are dealing with problems related to the enterprise management of "master" data.

l The capture and distribution of fundamental reference data continues to grow exponentially.

l Data quality continues to emerge as a valid business issue driven by interoperability and compliance requirements.

l Lack of a single consistent enterprise view of core business data elements severely affects the business.

DATA MANAGEMENT PRIORITIZATIONProfit and loss risk from bad prices, risk to reputation due to avoidable errors, regulatory risk from missing reporting deadlines, etc. lead to data management prioritization.

With initiatives including total client profitability, integrated risk management and straight through processing, reference data has become one of the premiere issues in financial services. In addition, the success of a bank's core business depends on the quality and completeness of their clients and products data.

NEED FOR CLEAN AND CORRECT DATABusiness-making opportunities are directly dependent on the availability and accuracy of reference data. Incorrect data is a drag on earnings, worse it may seep into decision-making. This brings forth the need to have clean and correct data:l As firms move to straight through processing, technical

applications must work on consistent data to reduce process breaks and manual intervention.

l Corporate events like M&As and spin offs require constant update of important and mandatory data without which decision-making can be flawed.

l Newly enacted Patriotic act and Anti-money laundry initiative have placed even harder requirements on financial institutions to know their customers.

WHY OUTSOURCE?

If it is so important to have accurate and complete data, what stops businesses from meeting their objectives? It is time-consuming, expensive, requires concentration, patience and long-term continuation of goal-oriented mission on part of a large army of like-minded data soldiers. Unfortunately, it is considered mundane, labor intensive, unglamourous, full of inaction and mechanical job in the banking world.

SOLVE THE DATA PUZZLE WITH CREDIT DIMENSIONSThe principals and partners at CreditDimensions have spent years working in various financial institutions wrestling with data issues. Our experience helped us to compile the pain points, brainstorming the effective ways to handle the concerns. The solution is rather simple:

l Understand the real problem areasl Create economies of scalel Form an inexpensive and highly qualified forcel Apply state of the art technology to take on this challengel Collaborate on the design l Use a six-sigma influenced methodology to reduce the costs of

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REFERENCE DATA MANAGEMENT SCENARIO

Our services and solutions range for reference data management includes:

l Managed Data Service

l Compliance Service

l Corporate Action Service

l Entity Data Cross Referencing Service

l Staff Augmentation and Consultancy Service

CDi SOLUTIONSAND SERVICE OFFERINGS

Cleansing and EnrichmentHierarchy management

Cross referencingData consolidation / Distribution

Cleansing and EnrichmentHierarchy management

Cross referencingData consolidation / Distribution

GoldmanSachs

Royal BankOf Canada

BarclaysCapital

JPMorganChase

Credit SuisseFirst Boston

An InternalData Set

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KMV,Moody’s

Reuters,Bloom-berg

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We combine world-class services with our technology offerings to present something unique in the industry. CreditDimensions has provided trusted solutions to the world's leading financial institutions that enable them to turn data from an obstacle to an asset, improve data quality, reduce costs and ease the compliance burden.

MANAGED DATA SERVICECreditDimensions offers a new approach - a solution that combines business analysis, process consultancy, technology, manual data sourcing and exception management. We provide a single solution for data management that supports both the initial implementation and ongoing operations. This includes solution design, all elements of data sourcing, maintenance and distribution.

BENEFITS:

l Reduced risk - No need to coordinate multiple vendors

l Lower cost - Both for implementation and ongoing operations

l Ultimate success and satisfaction -Improved data quality and increased profitability

FEATURES:

l Consulting and analysis to define and plan the implementation

l Process and technology to facilitate implementation

l Master databases and data models - for securities and entity data

l Third-party data feed integration

l Matching engine for data integration and cross-referencing

l Client-side integration capabilities

l Workflow application for exception management

l Expert team to manage exceptions and provide enrichment

l Implementation and operational management

l Flexible deployment - onsite or hosted solution

OUR SOLUTIONS

Reference Data Management is a high priority area for most of the companies in the Financial Industry today. This is due to the increasing cost of managing duplicate data for various geographies, ailed trades and compliance requirements such as Anti Money Laundering and 'Know Your Customer (KYC)’.

CreditDimensions is an ideal solution for any company that suffers from failed trade reports, wants to introduce STP or is seeking to reduce operational risk. By removing disparate application data silos, inconsistent security details and potentially serious liability is reduced.

CreditDimensions services helps in normalization, consolidation, enrichment, cleansing and standardization of reference data. The raw data from each of the vendors selected by the client is stored in its original format, is then enriched and finally mapped to normalized model aligned with ISO 15022 classifications. The normalization process makes for easy comparison, integration and anomaly-checking.

Reference Data Management FrameworkCreditDimensions has developed a comprehensive "Reference Data Management Framework” that includes defining the reference data strategy, performing analysis, implementing and maintaining enterprise-wide reference data.

CreditDimensions has successfully executed complete end-to-end reference data solutions for several leading banks.

1. REFERENCE DATA SOLUTION

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DATA WORK SCOPEl Counterparty information and classifications

u Legal name (Official Name), Trading Name, Former Nameu CP type and sub type categorizationsu SIC and NAIC classificationsu Institutional Investor Classificationsu AML classifications

l Multi-tier hierarchy u Different types of hierarchy (legal, investment, sponsors,

custodians etc.) for different types of entities such as corporate, funds and non-legal entities.

u Incorporation informationu Incorporation addressu Incorporation authority and company number

l Regulatory informationu Primary regulator u Regulator ID

l Industry standard identifiersu SEDOL, CUSIP, ISIN, CIK, BIC

l Financialsu Tax authority and Tax IDu Asset under managementu Annual financial reports u Prospectus

l Contact Informationu Business and Mailing addressu Majority shareholders

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2. MARKET DATA SOLUTIONRetrieving superior-quality up-to-date reference data from multiple sources is critical to the success of trading institutions. Efficiently implemented market data solution can provide your business with tremendous success and benefits. The capability to capture and analyze billions of business records at lightning speed can propel it much further than others.

As most of the existing trading applications are outdated, inflexible and inefficient, it can result in limitation in ability to meet the growing trade volumes and to rapidly respond to market changes.Trading institutions can do the following with CreditDimensions market data solution:

l Provide, capture and analyze market data.

l Feed reference data to traders and pricing tools.

l Present quantitative analytics to create strategies.

l Manage order flow and calculate the pricing and hedging of complex options and derivative products.

l Maintain a reporting system for compliance and regulations.

l Increase operation efficiency and straight-through processing.

l Use client information for improved customer relationship management.

l Up-to-the minute reporting on every element of the business.

CreditDimensions Market Data solution will help to adapt and thrive in an environment of continuous change.

OUR SOLUTIONOur cross-referencing solution fills these gaps. Oursolution will reside behind your firewall while extracting rating information from different feeds and assign those ratings tosecurities based upon security name and other available information. Following are the benefits of our solution:

l Daily updated rating information will be available for your systems.

l Solution available behind your firewall.

l No possibilities that any confidential information will be accessed by outside firms without your approval.

MIFID COMPLIANCETo protect investors, MiFID requires investment firms to be authorized and to comply with various regulatory requirements including those concerning how business is conducted. The application of specific regulatory obligations under MiFID depends on a client's regulatory category.

OUR SOLUTIONFinancial Institutions like banks need to classify their clients underMiFID directive based upon their business and balance sheet data.Reference data covers all necessary information about a company at one place, which can speed up the process of client categorization.Reference data also covers balance sheet attributes for large undertakings to categorize private clients.

Keeping in perspective the demanding and evolving complianceenvironment, CDi has architected and developed a ready to roll out software platform under the brand name CDi which incorporates:

l End-user centric functionalities of CDi Software Platform

l Name filtering against multiples sanction & watch lists

l Corporate action module

l Regulatory reporting modules

COMPLIANCE SERVICE

KNOW YOUR CUSTOMERFor financial institutions "Knowing Your Customer (KYC)” has become essential, whether to comply with industry regulations or prevent fraud. It has also become a legal requirement in countries and is considered to be one of the key for an effective anti-money laundering risk strategy.

OUR SOLUTIONCreditDimensions services help clients meet the compliance and KYC challenge and offers solutions designed specifically to allow financial institutions to implement comprehensive and consistent KYC practices that reduce risk, increase efficiency and lower operational expenditure.

BASEL II ACCORDThe Basel II accord suggests two approaches that can be followed by banks to calculate their required regulatory capital: the standardized approach and the internal ratings based approach.

To comply with Basel accord's standardized approach, banks need rating information for the securities they are dealing with, which they can easily get from credit rating agencies but for the following challenges:

l There is no globally recognized common identifier that can identify a security/company uniquely. In the absence of global identifier it is very difficult to cross-reference rating information to a security.

l All credit rating providers assign their own unique identifier to securities.

l All agencies follow their own naming convention which might not be same as naming convention your firm is following. Feeds contain additional information as well which need to be cross-referenced.

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ENTITY DATA CROSS REFERENCING SERVICE

In situations when data reliability rules must be custom coded, building a data warehouse using standard out of the box data cleansing and ETL tools can be difficult.

Poor integration and management of data is a common problem across industries. Companies often overlook a key component in implementing data integration initiatives, which is customer reference data that uniquely identifies a customer. It is commonly duplicated and frequently in conflict across applications. Reference data conflicts are usually the main cause of most data quality and reliability problems.

OUR SOLUTIONCDi MatchPro is an analytical MDM solution for building and maintaining cross-reference between internal customer identifier and third party data identifiers (Bloomberg ID, S&P ID etc.). You can also enrich your database with industry standard identifiers such as CUSIP and ISIN.

Highlights

l Combination of a powerful database schema and ETL tools help in seamless integration of new data sources.

l CDi proprietary matching algorithm is designed to match customer name, company data and identifiers.

l Web based, easy to use screens helps in handling matching exception and enrich cross-reference database.

l Workflow engine helps in making wise decisions and having second opinion before committing data to the database.

l MIS package help you manage progress of your project and executive management reporting.

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CORPORATE ACTION SERVICEThe main objective of capturing corporate action on daily basis isto keep track of all happenings in the corporate world that has animpact on core business entities. Thus in the process, keep up-to-date information about the entities and their hierarchies.

Our dedicated team for capturing corporate actions goes through various corporate action news bulletins and press releases of major entity groups.

CORPORATE ACTION EVENTSCDi corporate action team tracks following types of corporate action events:- l Merger / Acquisitionl Name changel Bankruptcyl Trading status-suspension / Redemption of securitiesl Spin-offl Corporate address changel Open offers / Open merger (in process)l Liquidation / Dissolution / Obsolescence / Wound off

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STAFF AUGMENTATION

In addition to mission critical solutions and product offerings we support our clients with outsourcing services. We have world-wide experience in all levels of staff augmentation of IT and related professionals for the financial industry.

A HUMAN RESOURCE MANAGEMENT PARTNERWe provide our clients timely access to cost effective resources with utmost flexibility that advance their goals and objectives. With eBusinessware as a human resource management partner, you gain a competitive advantage by focusing on core competencies.

eBusinessware provides a unique approach to enable our customers to outsource the detailed selection and rigorous screening required to find top-notch candidates.

OUR SUBJECT MATTER EXPERTISEOur consultants or Subject Matter Experts are highly qualified professionals whose sole focus is to add value using their advanced technology skills with industry knowledge in the following areas:

l Strategy and audit consulting: Include requirements analysis and definition, project management, strategy definition and change management, reference data audit service.

l Financial data management consulting: We look forward to sharing our expertise in Feed analysis, Data modeling and Data management strategy.

l Data model validation and advisory: Our advisory services concerning reference data model for credit reference data and counterparty hierarchy.

OUR SOLUTIONWe use our Audit Service to audit MDM solutions and benchmark their functionality against evaluation criterion recommended by our analytical framework for data management. It is quick 8 to 12

weeks audit process which we carry our in three steps:

l Step1: Review current state, prepare questionnaires and conduct walkthrough sessions with stakeholders and key contributors.

l Step2: Compare evaluation results against evaluation criterion. Identify gaps and deviations from the suggested best practices

l Step3: Produce gap analysis and recommendations report.

OUR WORLDWIDE SERVICESAs Global Service Suppliers, our HR and screening experts scan the entire world for top talent. We actively seek the best IT candidates in your local market as a first step. We also have the scale to provide international candidates when local markets cannot produce the expertise that you are seeking. Since we are a global firm, we can draw talent from our robust global teams.

DIFFERENTIATORS

l Exclusively focused on financial services

l Extensive experience and global presence

l Proven Global Delivery Model

l Uncompromising responsiveness

l Mission-critical size, we understand the need of the clients and deliver accordingly

OUR COMMITMENT

l Maintain the Service Level at all times.

l Give Right-to-hire.

l Give flexibility for contract depending on requirement for temporary or permanent jobs.

l We help in expansion, consolidation and rationalizations by being flexible to the needs of business managers.

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STAFF AUGMENTATION AND CONSULTANCY SERVICE

CDi PRODUCTS At CreditDimensions, we understand the diverse needs of every financial institution. As no two financial institutions are alike, that's why CreditDimensions offers different data management solutions as well as an extensive gold data library to cover a wide range of information requirements.

CreditDimensions has the industry knowledge and expertise to address the complex challenges of reference data management. Our professionals developed data dictionaries, workflow methodology, algorithms and matching software to successfully help a number of clients address and overcome the varied challenges of effective data management.

Our Products to address your needs:

u CDi Match.pro

u CDi Enterprise Data Hub

u CDi ROBO

CDi MatchProCDi Enterprise

Data Hub

CDi ROBO

CDi PRODUCTS

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CDi MatchPro – a cross-referencing hub

MatchPro is a registry style master data management application, specially designed for matching legal entity data from external vendors against your internal data set and to produce a cross reference between industry standard external identifiers with internal global unique id.

Highlights:

l Scalable and robust database schema and inbuilt ETL tool

l Inbuilt adapters to load external ratings data

l Feed specific rules for normalizing and transforming customer names

l CDi-Proprietary fuzzy matching engine

l Fuzzy match exception management workflow

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Data Load and Enrichment

Data Load and Cross-Referencing

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Issuer Data From External Data Vendors

Internal SecuritiesData

External Ratings(ratings etc.)

Incremental & Full Load

SecuritiesMapping

Reporting and Profiling

Risk Ratings and AnalysisExposure calculators Portfolio Management

Output Cross-Reference to Internal Customer ID

CROSS-REF HUB

WORKFLOW ON SCREEN VALIDATIONS

ALERTS AND NOTIFICATIONS

Resolve Data Matching Exception Data Duplication/

Business Challenges

CDi Enterprise Data HubA workflow-based application to store and manage complete profiles of your customer and security records and augment them with the required external data.

Highlights:l Supports global identification, linking and synchronization

of reference data across heterogeneous data sources, through semantic reconciliation of master data

l Supports full data lifecycle from data acquisition, validation, normalization, consolidation/ de-duplication, cleansing, enrichment, and distribution

l Modules for recording and applying corporate action events

l Supports setup and linking of securities to their issuers

l Application architecture that allow an easy integration with your systems

CORPORATE ACTION IMPLEMENTATIONThe Corporate Actions module displays all the major, latest corporate actions on a daily basis along with the latest announcements made by the companies about the proposed mergers/acquisitions, bankruptcy, name change etc. This module is also available on our website .

This module is capable of :l Identifying and recording announcement

l Reporting announcements

l Recording materialized events

l Updating of relevant reference data

l Final reporting

l Automated implementation of some of the impacted data attributes of the traced corporate action

www.creditdimensions.com

It lets the user keep track of an announcement of interest by selecting following options:

l E-mail CDi analysts

l Keep me informed

HIERARCHY MODULEHierarchy module incorporates the advance hierarchy representations with user friendly editing functionalities. The focus is to provide the end user with an ability to analyze the global exposure of their counterparty. It incorporates both Legal & Business type of hierarchies.

Some of the main aspects of the module are:

l Search engine: Option of searching the desired entity by CDID or Legal Name.

l Edit/update interface: Option to make modifications to the hierarchy information according to the requirement. It has been designed to map multiple parents.

l Hierarchy tree visualinterface: Gives a visual representation of the complete hierarchy tree of the given entity to its ultimate parent and also the subsidiaries. This gives ability to view the global exposure of a given entity. The hierarchy tree also supports multi-parent hierarchy mapping.

l Map View: Gives ability to see all the entities of the selected set of hierarchy on a world map based on entity's registered location.

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CDi ROBO

In the current market scenario it has become extremely critical that companies keep their database updated at all times, however they also must save time spent in eyeballing for data updates.

Investment banks and financial institutions need updated business data to lead their business. Organizations need to keep their database up-to-date to manage risks, prepare for risk mitigation and prepare contingency plans.

OUR PRODUCTCDi Robo is a utility to ensure that business database remains up-to-date. The updating process involves validating the approved sources from which the business data has been enriched and then comparing the existing values of business attributes.

Reporting these changes is another important functionality. The utility reports all changes in entity name, address and other attributes to the data verification team via email.

BENEFITS

l Provides a trigger to the data verification team to keep correct and up-to-date data.

l Validates the approved sources from which business data information has been sourced.

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CDi CASE STUDIESCreditDimensions case studies provide insight into client requirements, the problems faced by them, how CDi took the challenge to provide the right solution to address the specific requirement of the client and the key benefits reaped by the client.

CreditDimensions SME’s (Subject Matter Experts) have authored these case studies.

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CreditDimensions latest case studies are:

u Know Your Customer Verification

u Entity Data Cross Referencing

u Counterparty Data Enrichment and Maintenance Support for Launching Online Data Service

u Entity Data Verification and Maintenance Solution

u Risk Measurement and Management Functions

u Counterparty Hierarchy Cleanup and Maintenance

u Assessment of the Risk Proportion of Counterparties

u Identify Counterparties and Associated Global Exposure

KNOW YOUR CUSTOMER VERIFICATIONCreditDimensions achieves milestone: Nearly 100% accuracy in verification and enrichment

CLIENT'S REQUIREMENTIn order to follow AML guidelines a bank wanted to perform due diligence by ascertaining identity of customers they do business with. They were looking for an outside help who could verify and enrich their customers name and addresses (both legal and business), industry and risk classification for a database of about 11,000 entities.

OUR SOLUTIONOur highly trained data analysts supported by CDi IT staff delivered value by transforming disparate reference data into consolidated, operation quality data thereby helping the client to optimize performance while complying with regulatory and compliance guidelines. To ensure that CDi met the Service Level Agreement (SLA), ebw Data Audit Team performed regular QA checks (random sampling). As an outsourcing partner, we assumed the responsibility for key components and interacted with third party data vendors to streamline the operation. Our services enabled the client to generate efficiencies via lower cost of resources, improved trade processing and reduced administration time. Guided by Six Sigma quality standards, we achieved 99.99% accuracy.

Reason Scope Solution

Client data feed

Counterparty classification as per AML & FSA requirement

Reviewing

Enrichment

Manual verification

Data Input

Legal name

AML

Counterparty classification

Address - Legal

Address Domicile

FATF

Counter Terrorism Financing

Money Laundering

Bank and Financial Institutions regulations

Database

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ENTITY DATA CROSS REFERENCINGCDi-MatchPro is the central data cross-referencing hub for the client.

CLIENT'S REQUIREMENTA renowned bank's gold copy of database consists of their counterparty data. The client requires cross-referencing of all counterparty records and also their enrichment with external rating agency identifiers such as unique ID's (SPID, Bloomberg ID etc.), CUSIP, ISIN, SEDOL and ratings. The client has subscribed to data feeds from approved global rating agencies.

OUR SOLUTIONSuccess was achieved in this case by using state-of-the-art CDi MatchPro matching engine supported by our best-in-class process model. Our data analysts use the automated & manual matching processes for cross referencing of External Credit Agency IDs with the client's internal IDs. The resulting cross-reference is then made available to the client to perform daily updates in their database. Impressed with the results, the client has installed CDi MatchPro onsite. Since the inception of the project we have assigned external identifiers to more than 200,000 counterparties. By using our highly sophisticated matching engine coupled with low cost and skilled analysts' team, we have been able to deliver high quality and volume of cross-references.

Client bags a prestigious counterparty reference data award

CLIENT'S REQUIREMENTIn order to bring to market a counterparty data service, the worlds largest International Multimedia News Agency required enrichment, cleansing and validation of several key attributes of a set of data entities. To maintain the quality and validity of data, the client requires cyclical and proactive updates and regular spot checks.

OUR SOLUTIONLaunching a new service is always a risky proposition and one way you can reduce your risk is by having an experienced and trusted partner. On the basis of our track record, CDi was chosen to be that trusted partner. The client selected our offshore data management service for building their counterparty database and CDi technology platform to support this huge data cleansing project. Their data teams also used CDi platform from different locations to perform data analysis and enrichment of limited set of data.

CDi boasts of a structured Data Dictionary and well-documented Process Rules of around 200 countries with well-defined rules, formats and procedures. The process rules documents are a ready reference for our analyst and are monitored regularly for any changes. It is updated as per the client requirements. The verification involves manual checking of all attributes and their respective values against the approved sources. A full audit trail is kept for all records with supportive evidence. Our workflow application undertakes a series of validation checks and also manages data escalation process. Not only client was able to successfully launch its counterparty data product on time and within budget, they have recently bagged a prestigious 'Counterparty Reference Data' Award. Impressed with our solution, CDi has been awarded the maintenance project by the client.

Maintenance phase of project involves a composite of re-verification of entities and corporate action capturing and processing. A new workflow has been created so that the entities in the client pool are transferred to analysts' common pool for re-verification.

CreditDimensions has assigned a dedicated team for capturing corporate actions using subscription, direct research and CDi Robo as tools for tracking.

SLA and MIS

CIKJurisdictionImmediate ParentUltimate ParentRegulator

Client Requirement

Legal Name AddressIncorporation AuthorityCompany NumberTax AuthorityTax ID

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5 Prototype 0 0 0 0.00 0 0.00 0.00 0.00 0.00 0.00

Infrastructure

6 H/W 0 0 0 0.00 0 0.00 0.00

7 S/W 0 0 0 0.00 0 0.00 0.00 0.00 0.00 0.00

Screens

8 Acc ovrvw 30 day m 2 c 3 c 3 2.67 1 2.67 0.00

9 Acc ovrvw spcfc dts m 2 c 3 c 3 2.67 1 2.67 -1.00 -1.00

10 Acc ovrvw exp cd m 2 c 3 c 3 2.67 1 2.67 0.00

11 Acc summry exp cd c 3 c 3 c 3 3.00 1 3.00 0.00

12 Acc spcfc dts / exp c 3 c 3 c 3 3.00 1 3.00 -1.00 -1.00

13 Slct exp cd s 1 s 1 s 1 1.00 1 1.00 15.00 0.00 -2.00 13.00

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Business logic

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PROJECT NAME 1/25/2006

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finalizing process rule of each country split by counterparty type

QA/Audit multiple level check to evolve quality and accuracy

CDi data analyst start data cleansing process

Data distribution specification and format

Client Requirement

Client feed

Data maintenance�Corporate action�Web watcher module Proactive

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COUNTERPARTY DATA ENRICHMENT AND MAINTENANCE SUPPORT FOR LAUNCHINGONLINE DATA SERVICE

RISK MEASUREMENT AND MANAGEMENT FUNCTIONSRetire legacy system to provide equivalent functionality in new Market Risk System

CLIENT'S REQUIREMENTThe client, an International Financial Services Group has a legacy system supporting risk measurement and management functions in Zurich. The client required a delivery partner to retire legacy system by migrating feeds, functionality and reporting into a new system.

OUR SOLUTIONThe client showed their trust in CDi by selecting us as an outsourcing partner. We have done several other projects for the client, delivering best quality always - economically and within time.

This project involves expertise of our highly trained IT staff with their sound foundation of financial industry and our dedicated data analysts' team.

For better management the project has been divided into multiple phases:

l Phase I - Understanding of various components of legacy system and creation of functional and technical specifications of the solution.

l Phase II – Implementation of Investment Bank (IB) Feeds, development, testing and deployment of the IB feeds and reports.

l Phase III – Support during UAT and production rollout.

Technology used in this project is Informatica, Powermart, Java, Oracle and HTML user interface. ClusterNet is the reporting component of the new platform.

ENTITY DATA VERIFICATION AND MAINTENANCE SOLUTIONClient requirements and our focus are the same: Verify, Cleanse and Enrich reference data

CLIENT'S REQUIREMENTA leading Global Investment Bank's centralized solution for management of entity data consisted of approximately 30,000 entities from 120 countries. As necessary controls and audit points were not in place, the data quality was degrading. Our client wanted a solution that would provide the highest levels of data quality and the necessary process control and auditability.

OUR SOLUTIONCreditDimensions was awarded the work upon completion of a rigorous vendor selection process. Selection was done on the basis of prior experience in managing such projects, our scalability, tangible knowledge base and lower bid price. Our solution was implemented in following stages.

l Initial Setup: During this phase we performed following tasks: u Analysis and documentation of key business requirements. u Training of CDi data analyst team to carry out the project.u Setup replica database with the data provided by client.u Setup data cleansing workflows.u Refining processing rules for data verification.u Confirmation of exception management and approval process.

l Production: Comprised of daily data processing, database synchronization, weekly publication of metrics & status reporting and issue resolution for data exceptions.

We have provided a robust, reliable, and cost effective solution much to the satisfaction of the client. Our solution provided additional bandwidth to the client for managing critical data management related project. Our highly skilled IT staff was able to keep up our side of technical infrastructure with client’s IT applications. On short notice they were able to address new or additional business requirements.

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A one-stop shop solution for reference data management

CLIENT'S REQUIREMENTA Global Investment Bank was implementing a financial analysis to assess the profitability of top clients across all areas of the firm. This “Single View of Customer” effort is intended to ensure top-clients are properly serviced and to gauge the profitability of banking relationships.

As part of the exercise, there were lines of business that would send revenue summaries for each counterparty, which needed to be rolled up to the Enterprise level so that aggregation could be done.

Although there was an extensive hierarchy information in client's counterparty database, it was limited to one level and there were lot of breaks in between a given hierarchy tree.

It was determined that adding a reference to ultimate parent linking all possible counterparties together would enable a full roll-up and if done properly this data can be maintained cost effectively.

- Legal name - Legal status - Country of risk and incorporation - Domicile

address

- SIC, NAIC- Listing status,

- Ultimate parent- Share holding pattern

etiS s’etarop r o

C

Reg

ulator's site

Challenges

Solution

Branch details arenot easily accessible

Variety of languages and format rules

Up-to-data-information

De-duplication

Verification and validation

Corporate actions

Quality

ETL

ETL

ETL

OUR SOLUTIONDue to large volume of entity groups to be cleansed it was never going to be an easy task. We had to link all counterparties in the database so that they roll up to the ultimate parent. Following approach was followed to meet the desired objective:

l For assigning the top-level group, CDi followed a top-down approach.

l At first we de-duplicated given database using CDi MatchPro matching engine.

l Selected the top 1,500 groups from the provided database.

l For each of the groups, analyzed their subsidiaries. This was done by referring to available public data sources. As the database consisted of global institutions, a variety of languages were involved. With the help of our team of language experts, different transliteration rules were applied for each language.

l For each subsidiary in the group, compared to the list of entities in counterparty database.

l If found, inserted the group name in the counterparty record.

l Provided an updated data set to bank with the grouping attribute added.

l Maintained this listing for changes, new add-in groups – Spin-offs, Mergers, Bankruptcies.

In addition to subject matter expertise there was a need of right tool kit to perform these operations. A workflow based CDi hierarchy manager was used to link up all counterparties with each other. Following are some key features of CDi hierarchy manager:

l Support for legal and custom hierarchy based on relationship types such as legal and custom (custodian, investment manager etc.)

l Single view to display an entity and its association with other entities.

l Support for complex relationships such as multi-managed funds and multi-owned corporate.

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COUNTERPARTY HIERARCHY CLEANUP & MAINTENANCE

ASSESSMENT OF THE RISK PROPORTION OF COUNTERPARTIESA hierarchy building solution

CLIENT'S REQUIREMENTThe client, an International Financial Services Group headquartered in Europe, in order to better manage the risk exposure of various counterparties available in their local database, wanted to link all counterparties to their corresponding parent companies.

OUR SOLUTIONCreditDimensions is an outsourcing partner to the client for tracking corporate actions of 1500 and growing ultimate parent groups with their complete subsidiary list.

Our highly specialized Corporate Actions team keeps check on the various stock exchanges, news portals and press releases of companies to trace the various mergers, acquisitions, bankruptcies, reorganizations and name changes.

The team recorded and applied all changes to the entities in the parent group list. The team used Web Tracking Tools and Workflow Application for their operations. For achieving the success criterion of this project, Enterprise application ETL and Hierarchy Management module of our highly sophisticated CDi application were used in this project.

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IDENTIFICATION OF COUNTERPARTIES AND ASSOCIATED GLOBAL EXPOSURECredit Risk Management Team drives best-in-class performance with CreditDimensions

CLIENT'S REQUIREMENTPortfolio Analysis Department of a US-based Global Insurance Company felt the need for a reporting system to support both scheduled and ad hoc reporting for single-name counterparty exposure, industry, country and other concentrations and the comparison of these exposures and concentrations to the appropriate credit limits. Client's present system comprised of a number of time consuming manual processes, which often led to loss of time and reporting errors.

OUR SOLUTIONOur proven skills in enhancement of both technology and processes for consolidation of credit exposure data and its reporting led to our selection as a vendor. Cdi implemented the following functionalities in its solution set:

l Loading and matching of obligors

l Hierarchy management/linking

l Executive dashboard

As the time lines were tight there was no room for inaccuracy-led delays. Our perfect blend of subject knowledge and technology expertise made sure high quality was achieved. Once the project was complete, the client's new reporting system supported both scheduled and ad hoc reporting for single-name counterparty exposure. With our solution the department automated about 98% of its global exposure processes.

Yes No

Report to client Archived

ULTIMATE PARENTAFFINITY GROUP HOLDINGS, INC.BEST INC.

GOLDFISH GROUP AGDARWIN STRATEGIC PARTNERSHIP LLPDEW CORPORATIONDEW HOLDING CORPORATIONGAP LIMITEDFINESSE S.P.A.RELIANCE INC.ABC HOLDINGS PLCNEW INVESTMENT LIMITEDXYZ WORLDWIDE INC.

PIONEER GROUP INC

Subsidiary list of PIONEER INC

108 Boston Street LLC

10-A Priority Holdings, Inc.

HGF Loan Funding LLC

CAMF (pion) Ltd.

CAMJV, LLC

CRTMRFC, LLC

PEER Corporation

CLIENT GOLD DATAABV LOAN FUNDING LLCACCOR INCCHOICE INVESTMENTS

ACME COMPANYALBAMA INCSTANDARD & COBERKSHIRE HATHAWAY INCMAIN FINANCE PLCCREDIT INVESTMENT MANAGEMENT INDONESIATRUE HG MASTERYOUR ADVISORS LLC BANCO CREDIT INVESTMENTS

PEER CORP

Match client gold data

QUALITY MANPOWER RESOURCE

To ensure that correct and accurate data is being delivered to the clients, CDi has a team of:

l Language experts & well drafted transliteration rules

l Technical experts

l Qualified/Highly trained research analysts

l Business analysts

l Well defined processes

l High quality Rule Document for all markets

l 24/7 coverage

THE CDi ADVANTAGE

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DATA SECURITY

In today's age of hacking & e-crime and the potentially catastrophic problems that can cause data loss, data protection is of paramount importance to us.

l Our VPN system ensures the privacy of data.

l Our virus definition database is automatically updated every day.

l Our fully secure network server - physical access controls prevents data theft.

GLOBAL REACHFinancial institutions and consulting firms have outsourced manually intensive and recurring business processes to our Global Delivery teams. We offer:

l Local know how, with local presence in markets

l Economies of our global scale

l Consistent level of IT support and delivery worldwide

l Seamless, 24/7 organization

l Exportable technology solutions

The Right People In The Right PlaceOurs is a truly multi-cultural and global company, offering global high-level technical and business IT solutions.This gives us the global reach to support our customers in their own niche markets. By offering central support functions, such as technology development and data processing across different countries, we can offer completely reliable services.

We aim to be wherever our customers are and we often get there ahead of them, with solutions that empower them to scale or adapt their business model to new markets easily and cost-effectively. By working closely with you and fully understanding your requirements, we can create a solution that exactly meets the needs of your organization, whether on existing standards or on new paradigms.

CREDITDIMENSIONS - SERVICE STRUCTURINGCreditDimensions is a configurable solution. It is inherently flexible and scalable. It adapts to each customer's workflow requirements - not the other way round.

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For clients who have unique data requirements that are best managed in-house, eBusinessware delivers a scalable infrastructure that can be integrated in-house with existing environments. CreditDimensions architecture can be deployed on client sites to provide data management solutions. Our technology is proven, scalable and is very cost effective to deploy..

A COMBINATION SOLUTIONWe also provide a combination of in-house data management and outsourced services based on the same core technology. The result is a blended model of outsourcing commodity functions to reduce cost and provide support for the proprietary needs.

We provide entire data management solutions at our Centre of Excellence that can also be deployed on client sites, as a hosted solution or a combination of both, including:l Master securities and entity databases - entire

solutions that integrate data sourcing, storage, distribution and exception management.

l Fully outsourced data maintenance - harness our expertise and capability to improve process quality and reduce cost.

l Client on-boarding and securities setup - using our workflow and data sourcing capability to improve process control and turnaround times.

OUTSOURCING SOLUTIONSThe drivers to Data Management outsourcing are costs and compliance. Selecting the right partner for your requirements can easily mitigate risks involved in outsourcing. Our successful relationship with nearly all top-tier financial firms demonstrates that outsourcing reference data can be successfully implemented.

CDi ADVANTAGES - HOW DO WE STAND OUT

ON-SITE SOLUTION FOR PROPRIETARY DATA

STRATEGIC SOLUTIONS

OUR COUNTRY SPECIFIC RULES DOCUMENTS

Gaurav Malik - Managing Partner Data, Management Solutions

REFERENCE DATA MANAGEMENT SYSTEM

gaurav.malik@ebusinessware.com +732.259.0703

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