OUR MISSION COMPANY HISTORY OUR CLIENTS OUR PARTNERS

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1 DATA WAREHOUSING CORPORATE FACT SHEET ANALYTICS BUSINESS INTELLIGENCE CAMPAIGN MANAGEMENT RISK MANAGEMENT CRM HOSTING SOLUTIONS WEB DEVELOPMENT INSTALLATION SERVICES OUR MISSION At Ermas Consulting, our mission is to help Fortune 500 companies identify and implement the critical business intelligence and integration solutions that transform raw data into vital enterprise intelligence, generate more accurate and informed decisions, and develop more profitable relationships with customers and suppliers. COMPANY HISTORY Founded in 1990, Ermas Consulting is a leading integration consulting firm recognized for expertise in data warehousing, analytics, business intelligence, and web reporting applications. We have posted a profit each year since 1990 and continue to thrive. In 2001, we expanded into a new office in Alpharetta, GA. OUR CLIENTS Ermas has provided integration consulting worldwide since Our most recent major clients include Citigroup, Bank of America, Wachovia Bank, Barclay Bank, TD Ameritrade, Commerce Bank, IBM, SAS, Ricoh USA (Lanier Worldwide), AGL Resources, Lenovo, Delta Airlines, AAA, PokerRoom.com, Office Depot, and Sony. OUR PARTNERS In order to ensure success, we have established relationships with leading analytic and marketing automation software providers. Ermas has been a SAS Alliance partner for 2 years. We are also an integration partner with Premiere Global Services, Aprimo, and Unica.

2 OUR CONSULTANTS INTEGRATION CONSULTING Our senior consultants are our greatest asset, each averaging more than 15 years of experience in key project roles. We have implemented projects worldwide by recruiting the best and brightest consultants on an international scale. Many of our consultants have been recruited for their experience with Fortune 500 companies and have previously worked for practices such as IBM Global Services (PricewaterhouseCoopers), Accenture, Cap Gemini (Ernst & Young), and Deloitte Touche (Tohmatsu) Consulting. Our consultants experience, ability to apply cross-disciplinary practices, and drive to deliver solutions are differentiating factors for our clients. OUR APPROACH We deliver integration services using a project-by-project phased solution which focuses on process, data and technology. This approach enables us to integrate the business process, data, software and technology into a leading edge solution. PROCESS Through requirements analysis we learn the curren t operational processes and determine the most effective scope for the project. Using our process development methodology, we then produce a plan for rapid execution. DATA Our expertise in database design using DB2/UDB, Oracle, Teradata, SQL Server and SAS, enables us to best utilize your investment in these technologies. We design an infrastructure that organizes your data from disparate source systems and delivers information and answers to the end users. TECHNOLOGY Once we have an understanding of your processes and data, we then use the appropriate technology SAS, Microsoft, Premiere Global Services, IBM, Oracle, or other software to provide an integrated solution. Information delivery is offered through multiple channels such as web-based thin clients, custom thick client applications, and Microsoft Office based solutions.

3 DATA WAREHOUSING ANALYTICS BUSINESS INTELLIGENCE CAMPAIGN MANAGEMENT RISK MANAGEMENT CRM HOSTING SOLUTIONS WEB DEVELOPMENT INSTALLATION SERVICES In order to make effective decisions that bring successful results, every company needs the ability to store data, then find it, access it, and understand it. Most companies have a myriad of databases that store data. Many companies have a data warehouse specifically structured to bring that data together precisely and consistently for querying and reporting. And now, leading companies are turning to solutions in Analytics to help them manufacture the raw data into information in order to recognize trends, reduce risks, and react to changing marketplace conditions in real time. Ermas Consulting helps companies find the right solution every step of the way from capturing the first transaction, to manufacturing the data into information in order to create more profitable relationships with customers and suppliers. DATABASES Ermas consultants are specialists in DB2, Teradata, Oracle and SQL Server. We have supported revenue management projects including the sourcing and development of pipeline data using SAS, SAS Access for Teradata and DB2. Our experience also extends to the airlines where we guided a project to reduce overhead from 11 million dollars per year with mainframe processes to less than $300K per year with SAS on HPUX. DATA WAREHOUSING DATA INTEGRATION Ermas helps companies transform enterprise data from operational sources and organize it as information in a data warehouse for quick access and useful analysis. We worked with SAS R&D in the creation of cross-sell, up-sell and retention models using SAS Enterprise Miner and SAS ETL Studio. We documented BIS/CIB analytical models. We deployed SAS BIS, provided technical support for SAS ETL Studio jobs for performance tuning, and provided technical architecture for development and production servers for a BIS system. We have also supported open repository metadata.

4 MARKETING AUTOMATION ADD VALUE TO YOUR EFFORT Today's marketer needs the tools and technology to effectively optimize marketing investment in an increasingly complex environment. Multi-channel communications, consistent customer messaging, and compressed cycle times are just a few of the challenges faced by today's marketer. At Ermas, we bring leading solutions to marketers in the planning, execution and measurement phases of the campaign management process. We also help build a total marketing automation solution for each client based on industry solutions from Unica and SAS. CAMPAIGN MANAGEMENT Ermas has deployed SAS e-messaging solutions (Premiere Global Services) for marketing and delivery of banking deposit statements. While we typically use Oracle and SQL Server for OLTP, we have also extended its capabilities to integrate streaming statistics to other database environments like Teradata. Let our campaign management experience work for you. We have performed technical design and deployed SAS MA to support marketing campaigns. We have integrated MA/MO and set up campaign use cases for financial (banking) campaigns, including reviews and enhancements for campaign data marts to support use cases. We have worked with SAS Research & Development on MA testing and supported performance and usability areas of Campaign Studio. We have provided MA technical and business process integration for direct mail and marketing campaigns with Order Management System. We have also deployed SAS MA and assisted in the migration of campaigns from older versions of SAS MA to current versions.

5 ANALYTICS & RISK MANAGEMENT GAIN INSIGHT Analytics is the science of reasoning of gaining insight and understanding from large, complex and disparate data. With databases and data warehouses setting the groundwork for quality information, leading companies are turning to solutions in Analytics to help them understand the information, recognize trends, reduce risks, and react instantly. Ermas can help your organization implement these solutions to transform raw data into vital enterprise intelligence. MANAGE YOUR RISKS The risk management discipline has become more technology intensive in order to manage the complexities of Basel II. Through the use of advanced technologies and standard methodologies Ermas helps companies quickly implement risk solutions to better control credit, market, and operational risks. Ermas has in-depth knowledge and experience with SAS CRMS for credit risk management, SAS Risk Dimensions for market risk management, and SAS OpRisk for operational risk management. To date, we have led and supported worldwide Basel II projects using Base SAS, SAS ETL Studio, SAS Access for PeopleSoft, SAS Access for Oracle, and SAS BI. We have enabled a Fortune 500 company to deploy a risk management system that allows them to monitor their loan portfolios across 30 different countries. This system has allowed the company to reduce their overall capital requirements, turning risk into opportunity. Your area of expertise is the banking and financial industry. Our area of expertise is banking and finance technology. Together, we can turn risks into opportunities. Let Ermas Consulting help you protect your investments and meet your compliance requirements.

6 ENTERPRISE INTELLIGENCE THE FOUNDATION FOR SUCCESS Enterprise intelligence is the ability to spot trends, increase revenue, and reduce vulnerability. To achieve enterprise intelligence, data warehousing and analytics solutions play a key role in allowing companies to store data, locate it, access it for querying and reporting, and then analyze it to identify trends and opportunities. Marketing automation and risk management solutions enable clients to take advantage of those opportunities. Enterprise intelligence can make critical improvements to your bottom line, and Ermas consultants are experienced in implementing and integrating systems that give our clients conclusive, detailed, and consistent information quickly. DATA WAREHOUSING Data warehouses are specifically structured to bring data together from databases enterprisewide in a precise and consistent manner for querying and reporting. This means more accurate, consistent, and conclusive results. MARKETING AUTOMATION Today s marketers need technology that is efficient and effective at every stage of the marketing process from setting strategy to targeting opportunities, implementing campaign initiatives and measuring results. This technology can effectively optimize marketing investment. ANALYTICS With databases and data warehouses setting the groundwork for quality information, leading companies are turning to solutions in Analytics to help t h e m u n d e r s t a n d t h e information, recognize trends, reduce risks, and react instantly. RISK MANAGEMENT With effective analytics and risk management solutions, companies have the power to determine, measure and track risks, meet regulatory compliance, identify changing conditions, redirect strategies, or avoid problems altogether. Effective risk management increases profitability.

7 WHAT YOU NEED WHERE YOU NEED US OUR LOCATIONS Ermas Consulting, Inc. is based in Alpharetta, Georgia, a short distance north of Atlanta. We have consultants in the major hubs of Atlanta, New York, Charlotte, Dallas, and the United Kingdom. Our consultants support projects worldwide, including successful implementations in Korea, Sweden, Peru, Netherlands, and the United Kingdom. OUR ATLANTA LAB We have a fully established lab for research and development projects with these environments. OPERATING SYSTEMS WEB ENVIRONMENTS SAS SOLUTION ENVIRONMENTS Windows Server with SQL Server, Oracle and Teradata. Unix IBM AIX with DB2 and Oracle. Premiere Global Services for campaigns and customization. IBM Websphere, Apache, Tomcat, Web Logic, and Microsoft IIS. Web Programming including Java, JSP, XML, SAS AppDev, Microsoft ASP, C#, VB, JavaScript. DATA QUALITY Data Flux for data cleansing and householding (Harte- Hanks Trillium). MA 4.x, BIS 4.x, CRMS, and OpRisk. SAS 9.x for business intelligence, analytic platform, and data integration solutions. SAS 8.x and SAS 9.x for programming environment. MARKETING AUTOMATION Unica, SAS MA.