ExpressOSTM At A GlanceExpressOSTM At A Glance

2

Our FocusOur Focus

• We focus heavily on helping our clients increase Shareholder Value by enhancing performance.

• Shareholder value is created when the drivers of performance are improved and the expectation of performance improvements are accepted by the market.

How value is created(value drivers)

What you can do(important Levers: BusinessProcesses, Assets andOrganizational Capabilities)

Functional ArchitectureFunctional Architecture

Solution Overview – A Configurable Industry Solution

Innovation & Collaboration Scalable & Reliable

IndustryData Model

WorkflowManagement

BusinessRules Engine

DocumentManagement

Configurable

Web Services

High AvailabilityDesign

ScalableComponent Design

FinancePortals

Front Office

VENDOR

DIRECT

CUSTOMERSELF-SERVE

COMPUTERTO COMPUTER

INDIRECT FinanceSources

MY LEASE

MY LOAN

THEIR LOAN

THEIR LEASE

SYNDICATIONPORTFOLIO

MANAGEMENT

Middle Office

THE FOOTPRINTTM

Credit Decisions, Document Mgmt, Audit, Compliance & Booking

Private Labeled Channel Mgmt, Incentive Programs, Origination

Accounting & ContractService Management

BusinessIntelligence

DEALORIGINATION

CREDITADJUDICATION

DOCUMENT MANAGEMENT

AUDIT &BOOKING

INCENTIVES & PROGRAM MANAGEMENT

A Day in the Life – Using ExpressOSTMA Day in the Life – Using ExpressOSTM

ExpressOSTM System Administration Roadmap

•••••

•••••

Portal Level Administration

Funder Level Administration

Originator Level Administration

User Admin

Configuration Workflow

GOLD Administration

1. Code TablesAdmin

Advance Types ApprovalConditions

ConsumerEmployment

Types

ConsumerOccupation

Types

Contact Types Contract Terms

Decline ReasonsGeneralizedEquipment

InsuranceCoverage Types Insurance Types

Marital StatusOverrideReasons

Related PartyRelations Residual Types

2. Portal Admin

Portal AccountPolicy

Portal AssetCategories/ Asset

Subcategories

Portal AssignScorecards for

Funder

Portal GlobalLocalization

Portal InsuranceCompany

Administration

Portal LanguageAdministration

PortalManufacturerAdministration

Portal ModelAdministration

Portal Postal/ZipCode

Administration

Portal PrivateLabel

Portal SecurityProfile

Administration

3. Funder Admin

1 - Funder Profile2 - FunderAddress

Management

3 - FunderConfiguration

Funder AdvanceTypes

Funder ApplicantTypes

Funder ApprovalConditions

Funder AssetConditions

Funder CompanyTypes

Funder ContractTerms

FunderCurrencies

Funder DeclineReasons

Funder OverrideReasons

Funder PaymentFrequencies

Funder ResidualTypes

Funder SurroundSystems

FunderTransaction

Types

4 - ExchangeRate

Administration

Funder ExchangeRate

Administration

Funder ExchangeRate History

5 - FunderWorkflow Admin

6 - Funder AssetCategories/

Subcategories

7 - Funder ModelAssignment

8 - FunderProgramsWorkflow

ProgramProfile

ProgramConfiguration

ProgramAdvance Types

ProgramApplicant Types

Program AssetConditions

ProgramBusiness Types

Program ContractTerms

ProgramPayment

Frequencies

ProgramTransaction

Types

ProgramResidual

TreatmentConfiguration

ProgramAsset Categories/

Subcategories

Program RateTables

Program ActivityChecklist

ProgramDocumentAssignment

Program FunderProfile

Program ModelResidual Tables

Program OfferingWorkflow

Program Search Program TargetAudience

Program WaterTables

9- Funder AdminCredit Options

Funder Agency Funder ApproverLessee Rating

Funder CreditBureau Config

Funder CreditBureau

Localization

Funder CreditCustom Data

Element

Funder CreditProfiles

Funder CreditReview Category

Funder CreditRules

Funder CreditStatus Priority

Funder CreditWorkflow

Funder Dun &BradstreetConfidence

Codes

Funder FactorCategory

Funder Grey ListAdministration Funder Industry

Funder LinkCategory

Funder PoolRating

FunderScorecard Edit

10 - Funder AdminPage Options

Funder ActivityChecklist

Funder Add NewRTF Document

Funder Add/EditDocumentTemplate

Funder BankReferences

Funder ContactsFunder Custom

FieldAdministration

FunderDocument AuditAdministration

FunderDocument

Configuration

Funder FacilityRating

FunderIntegration

Message Logs

Funder InvestorFunder ManageFunder Defined

Statuses

Funder ManageStatus Transition

FunderOrganizational

UnitAdministration

FunderOrganizational

Unit TypeAdministration

Funder PageAdministration

Funder PolicyDocument

Upload

Funder PolicyDocuments

Funder Postal/ZIP Codes

Funder PrivateLabel

FunderProvinces/States

Funder RoleAdministration

Funder SICCodes

4. Broker Admin

1 - Broker Profile

2 - BrokerAddress List

3 - Broker AdminPage Options

Broker AssetCatalog

Broker AssetOption Pack

Broker AssetPackage

BrokerContacts

Broker CustomFields

Broker PrivateLabel

Broker SupplierAdministration

5. Vendor Admin

1 - Vendor Profile

2 - VendorAddress List

3 - Vendor AdminPage Options

Vendor AssetCatalog

Vendor AssetOption Pack

Vendor AssetPackage

Vendor BankReferences

Vendor ContactsVendor Custom

Fields

Vendor PrivateLabel

Vendor SalesUnit

Administration

Vendor SalesUnit Type

Administration

Vendor SupplierAdministration

6. Supplier Admin

1 - SupplierProfile

2 - Supplier BankReferences

3 - Supplier Contacts

7. User Admin

1 - User Profile

2 - User QueueConfiguration

3 - UserOriginatorAllocation

4 - UserCustomerAllocation

5 - User AdminPage Options

User CustomFields

Portal Level

Config

1. Code Table Administration 2. Portal Administration

3. Funder Administration

Funder Level

Config

GV

S P

rogram 1

etc...

GV

S P

rogram 2

GV

S P

rogram 3

3a. GVS Workflow Admin

CLS

l Program

1

etc...

CLS

Program

2

CLS

Program

3

ELS

Program

1

etc...

ELS

Program

2

ELS

Program

3

3b. CLS Workflow Admin 3c. ELS Workflow Admin

4a. Vendor Administration (e.g. Unisys) 4b. Vendor Administration (e.g. StorageTek)Originator

Level Config

etc...

User Level Config

5a. Portal Users Admin

5b. Funder Users Admin

5b. Vendor Users Admin

Contract TermsOverride ReasonsMarital StatusDecline Reasonsetc...

• Asset Categories and Subcategories• Language Administration• Security Profile Administration• ZIP Code Administration• etc...

• Portal Administrators

• Funder Contract Terms• Funder Override Reasons• Funder Residual Types• Transaction Types

• Credit Bureau Routing• Funder Asset Categories• Programs Workflow Admin• Role Administration

• Organizational Unit Type Admin• Document Configuration• Scorecard Edit• etc...

• Credit Mangers• Credit Users• Document Users• Funder Booking• etc.

Vendor ProfileFunder SelectionAsset Catalog AdminSales Unit Typeetc.

• Vendor Profile• Funder Selection• Asset Catalog Admin• Sales Unit Type• etc.

• Internal • External

ExpressOSTM Object Overview

Master LeaseAn open-end type agreement under which a Lessee obtains the use of property, and can add additional equipment periodically at rates to be negotiated and through the use of "schedules," under the basic terms of the original instrument.  Eliminates signing new leases as additional equipment is leased.

ProgramsPrograms drive specific parameters of a deal through processing. Specific properties associated with a program include product type, transaction type, end of term options, lease term, appropriate documents and many others. Users are required to select a Program to process their quote or transaction in ExpressOSTM.

TransactionAny request made by the Customer to a funder in ExpressOSTM, for financing Quotes, Line of Credit applications, Lease or Loan applications.

ScheduleIs a means to group lease transactions under a Master Lease.  Each schedule may provide similar terms and conditions, such as Contract Term, Payment Frequencies, and possibly similar type assets.  Finally, schedules are often considered a lease in themselves, where all leases on a schedule are booked together. 

Live Product Demonstration Overview

Operating Environment - ArchitectureOperating Environment - Architecture

ExpressOSTM employs an n-tier architecture that delivers

on both scalability and performance with separate tiers.

Operating Environment - ArchitectureOperating Environment - Architecture

• ExpressOSTM is designed using Microsoft .Net web services.

• Supports integration with all popular development technologies including Java, COM and CORBA through SOAP or XML.

• All rules and business logic are instantiated by a transactional component layer for maximum scalability, extensibility and management.

• ExpressOSTM is cluster-aware and manages its own session state information so that user’s connections can be seamlessly moved from one web server to another for scalability, load balancing and failure-recovery.

• This level of cohesion between software and hardware architectures is unique within the financial services industry

• Hardware Scalability

Security of data and infrastructure – protecting data and infrastructure from malicious attacks or theft.

Continuous service availability – using redundancy and functional specialization to contain faults.

Linear scalability – continuous growth to meet user demand and business complexity

Operating Environment - ArchitectureOperating Environment - Architecture

Geographic Fault Tolerant ArchitectureGeographic Fault Tolerant Architecture

Database Replication Wan Link (T1)

Internet

VPN for remoteaccess

IBM 4500R8 Servers Total

Cisco6509

Switch

SD

Sta

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Act

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y

Re

set

Co n

s ole

Po

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1

Po

rt

2

Po

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3

Po

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4

Res et

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Slo

tSD

Sta

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Act

ivity

Re

set

Con

sole

Po

rt

1

Po

rt

2

Po

rt

3

Po

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4

Re

set

Co

nso

le

Slo

t

Cisco 3600Router

Cisco6509

Switch

CSS 11800Load

Balancer

IBM FCSwitches

IBM 8600RDatabase

ClusterServers

Internet

Cisco 2620Wan Router

Cisco Pix525

VPN for remoteaccess

CSS 11800Load

Balancer

CiscoPix 525

Cisco2950

Switch

IBM 4600RDatabase

ClusterServers

Cisco 2620Wan Router

Toronto Dallas

ExpressOSTM Architecture Testing

ExpressOSTM Architecture TestingExpressOSTM Architecture Testing

Interface Solution (IS)Interface Solution (IS)

This is the data transformation engine that lies at the heart of Cyence’s Interface Solution.

Technical Support – Process & Representative Service LevelsTechnical Support – Process & Representative Service Levels

Production system problems are resolved in order of severity: Severity 1: Response Time: Fifteen (15) minutes from discovery of issue.  Anticipated

Resolution Time: Within four (4) hours. Severity 2: Response Time: Thirty (30) minutes from discovery of issue.  Anticipated

Resolution Time: Within one (1) Business Day. Severity 3: Response Time: Eight (8) hours from discovery of issue.  Anticipated Resolution

Time: Within five (5) Business Days.

Methods & Tools that Realize the Benefits of ExpressOSTM Methods & Tools that Realize the Benefits of ExpressOSTM

FastTrackTM for ExpressOSTM

Project Management Benefit Realization Process Redesign (Package Based Reengineering) Change Management (Communications, Organizational Redesign, End User Training) Establishment of Workflow Competency Center (Training and Knowledge Transfer) Technology Services (Systems Integration)

Workflow Competency Center Governance Change Control Business Performance Measurement Continuous Improvement

Drivers and Assumptions Our ROI Experience Implementation Approach Complexity and Risk Resource Assumptions

Improve Operations Performance

… with minimal …

Implementation and Operational Risk

…which allows you to…

Achieve Operational Excellence

Our Proposal to CitiCapital

PROVEN DELOITTE CONSULTING METHODOLOGIES CAPABILITY

BENEFIT

Business Case for ExpressOSTM

Scope Benefits Risks Feasibility

Quantify the Benefits and Risks of ImplementingExpressOSTM

… in order to…

Resource Planning Assumptions - Technical.Resource Planning Assumptions - Technical.

Technology Resource Assumptions• The scope of the technology implementation is

primarily driven by the number of interfaces, customization and data conversion.

• Technology resources requirements represent 15% of our resource estimates.

• ExpressOSTM is configured by business analysts working in the process design thread of the implementation.

• Implementing the technology is not a driver of the implementation, it must fit in with the deployment strategy.

• We have assumed that the pure technical implementation can be accomplished in the first phase. Phases 2 & 3 make use of production support and change control to support changes to the technology.

• We expect few, if any, changes to the technology in Phases 2 & 3. This is why there are virtually no technology staff in Phase 2 & 3 assigned to the project.

• Phases 2 & 3 are organizational deployment phases supported by workflow a business rules. Data conversion is all accomplished through the interface design.

Phase 1 Phase 2 Phase 3

Resource Summary Total Effort (days) Effort (days) Effort (days)Consultants 3,016 2,176 480 360Product Engineers 814 734 40 40CitiCapital IT 552 496 32 24CitiCapital Business 4,556 2,592 1,136 828

FTE Summary by Phase

0

5

10

15

20

25

30

35

40

Phase 1 Phase 2 Phase 3

FT

E's

Consultants Product Engineers CitiCapital IT CitiCapital Business

Opportunities to Reduce CostInterfaces, conversion and customization require review with CitiCapital to resize all estimates.There may be one or two management roles that could be performed by CitiCapital staff to reduce external costs

Resource Planning Assumptions – Non-TechnicalResource Planning Assumptions – Non-Technical

Non-Technology Resource Assumptions• Non-technical resources make up 85% of the project

resource requirements • The non-technical resources are the most critical to a

successful implementation of Collaborative Commerce solutions.

• While these solutions contain best practices and predefined interfaces to industry services and legacy systems, they must be configured to reflect the workflow and business rules of the organization employing them.

• Properly implemented these solutions become the ‘manufacturing process’ of your business.

• Phase 2 & 3 prepare CitiCapital for a long-term release strategy in which new functionality, new businesses and/or continuous improvement programs can be implemented.

Phase 1 Phase 2 Phase 3

Resource Summary Total Effort (days) Effort (days) Effort (days)Consultants 3,016 2,176 480 360Product Engineers 814 734 40 40CitiCapital IT 552 496 32 24CitiCapital Business 4,556 2,592 1,136 828

FTE Summary by Phase

0

5

10

15

20

25

30

35

40

Phase 1 Phase 2 Phase 3

FT

E's

Consultants Product Engineers CitiCapital IT CitiCapital Business

Opportunities to Reduce CostWe have identified 23 CitiCapital business owner and SME roles, representing 1,100 person days of effort.This has the potential of being reduced up to 50% if the knowledge is resident in a smaller number of people.CitiCapital could deploy Phase 3 independently, or merge with Phases 2&3, saving $650,000.