FIS

Global Payments - Issuer Solutions Business is a API-first payment platform that offers payment processing services to financial institutions. They offer card management products, including solutions for Neo banks, fintechs, and enterprises.

Dragonfly Financial Technologies, based in Naples, Florida, specializes in payment systems that support electronic payments and banking for over 5,000 clients, including financial institutions, retailers, billers, and processors worldwide. The company processes approximately $13 trillion in payments daily and serves a substantial clientele, including more than 250 leading global retailers and 21 of the top 25 largest banks. Dragonfly offers a comprehensive suite of software products and hosted services that encompass various solutions such as payments processing, card and merchant management, online banking, mobile and branch banking, fraud detection, trade finance, and electronic bill presentment and payment. Additionally, the company provides digital banking and treasury management systems designed to cater to businesses of all sizes, facilitating secure and efficient cash management in multiple currencies and languages.

Torstone Technology acquired a complete existing Back Office Technology system from a leading global investment bank, together with the software development team who have been developing the technology for more than a decade. Employees are stakeholders in the company and are therefore fully committed to providing an excellent product and superb customer service. Their applications have been built from the outset to cover a wide range of asset classes; from simple equities, bonds, convertible bonds, warrants, fixed income and FX, to derivatives in the areas of credit, equity, insurance and funds. Their technology enables customers to increase productivity, improve processing efficiency and streamline their workflows. It is optimised for high volume straight through processing (STP). they offer standalone modules which benefit with Inferno's technology but are targeted to a specific back office function, these include; Reconciliations, Collateral Management, OTC Documentation Management, Stock Borrows, Enterprise Data and Profit and Loss Consolidation.

Bond is an enterprise-grade financial technology platform streamlining the integration between brands and banks, dramatically reducing friction and creating a more repeatable model. Through its AI-powered infrastructure, Bond enables digital brands to better engage their customers by offering personalized and compliant banking products.

Kanmon is a developer of an API-driven embedded lending platform that facilitates the integration of lending products into vertical SaaS and marketplace solutions. The platform is designed to help software companies and financial institutions enhance their offerings by providing their business customers with easy access to embedded lending options. By leveraging existing customer bases, Kanmon enables these entities to create additional revenue streams while supporting the growth of the Internet economy.

Kasisto, Inc. specializes in developing conversational platforms for financial institutions, enabling them to enhance customer engagement through virtual personal assistants. Its flagship product, KAI, is a digital experience platform that supports the creation of branded chatbots and virtual assistants capable of delivering personalized banking experiences across various channels, including mobile apps, websites, and voice-enabled devices. The platform offers tailored solutions such as KAI Consumer Banking, which enhances user interactions, KAI Business Banking, which provides instant access to essential financial information, and KAI Investment Management, which helps users navigate their financial goals through personalized insights. Founded in 2013 and headquartered in New York, Kasisto has additional offices in Mountain View and Singapore, focusing on improving customer experiences in the financial sector through intelligent, human-like conversations.

Prime Trust was founded in 2016 on the belief that the future of finance is digital. Through a full suite of APIs, we help financial institutions and fintech companies build seamlessly, launch quickly, and scale securely. As an independent, regulated trust company, we work with clients such as crypto exchanges and payment platforms, who rely on our trusted, secure ecosystem and institutional grade blockchain technology. Prime Trust solutions are at the center of a quickly-evolving crypto industry, providing the infrastructure that merges digital assets with traditional finance. For fintech businesses in the US and around the world, Prime Trust makes it possible to securely and compliantly access the digital economy. The company is recognized by Forbes as America’s Best Startup Employer 2022 and is also Great Place to Work-Certified™ 2022. Prime Trust has also been named to CB Insights Blockchain 50 for 2022. Visit us at www.primetrust.com and connect with us on LinkedIn, Twitter, and Facebook.

Payrix Solutions is a privately-held company based in Atlanta, Georgia, specializing in providing an all-in-one payment platform for vertical software companies. The firm offers customizable white-label technologies that facilitate embedded payments, enabling businesses to enhance their revenue potential while maintaining brand integrity. With a team of experts from leading financial institutions, Payrix prioritizes a client-centric approach, delivering strategic integrations that minimize risk and streamline operations. The company's solutions aim to eliminate friction in the payment process, fostering growth and innovation for its clients and improving the overall customer experience.

NYDIG is a technology and financial services firm dedicated to Bitcoin for institutions, private clients, and banks. The firm offers asset management, derivatives, financing, custody, and execution services. NYDIG's platform satisfies the highest regulatory, audit, and governance standards.

CloudWalk, Inc. operates an open payment cloud platform that facilitates a range of payment methods for acquirers, payment service providers, and sub-acquirers globally. Founded in 2013 and headquartered in Sunnyvale, California, the company targets various market segments, including event ticketing, prepaid mobile services, and private label offerings. As the parent of the InfinitePay and Jim.com brands, CloudWalk provides a comprehensive suite of financial services, such as digital banking, loans, online sales, digital wallets, and payment terminals. The platform leverages artificial intelligence to enhance its product efficiency and user experience, making financial management more accessible for individuals and small to medium-sized businesses. Additionally, CloudWalk offers consulting services, training, and support to ensure successful payment operations, with a platform that integrates seamlessly with multiple terminals for processing debit and credit transactions.

Signifyd, Inc. is a technology company based in San Jose, California, with an additional headquarters in London, United Kingdom. Established in 2011, it provides a software-as-a-service (SaaS) platform that helps e-commerce businesses mitigate fraud risk and manage chargebacks. Its key offerings include E-Commerce Assurance, which automates fraud prevention and protects online retailers from chargebacks, and Signifyd Chargeback Recovery, which assists merchants in handling various chargebacks. By leveraging big data, machine learning, and expert reviews, Signifyd offers a financial guarantee against fraud for approved orders, allowing retailers to enhance customer experiences, boost sales, and explore new market opportunities while minimizing operational costs associated with fraud detection. The company serves a range of clients, including those on the Fortune 1000 and Internet Retailer Top 500 lists, adhering to the belief that e-commerce businesses should thrive without the fear of fraud.

Billon Group Ltd is a fintech company based in London, United Kingdom, specializing in micropayment and corporate e-money solutions. Founded in 2012, the company has developed a proprietary distributed ledger technology (DLT) that digitizes national currencies and enables the secure storage of encrypted documents on-chain. Billon's platform is tailored for regulated institutional use, allowing for near real-time settlement of both domestic and cross-border payments. The technology combines identity, money, and data while ensuring full compliance with regulatory standards for financial transactions and document applications. By partnering with enterprise customers, Billon provides customizable DLT-based solutions through reusable modules and APIs, facilitating rapid deployment. The company is also registered as an e-money issuer in the UK and Poland, allowing banks to utilize its system for issuing and redeeming digital cash while maintaining legal validation for each transaction.

Flutterwave Inc. is a payments solutions provider that enables businesses globally to process transactions seamlessly. Founded in 2014 and headquartered in San Francisco, the company offers a range of services including Flutterwave Checkout for collecting payments via web and mobile platforms, and Flutterwave API for creating and managing virtual cards, which can be customized with spending limits. Its invoicing feature allows businesses to generate professional invoices, track payments, and manage transactions efficiently. Additionally, Flutterwave provides payment links that facilitate payment collection from customers worldwide. Serving various sectors such as gaming, events, transportation, and hospitality, Flutterwave aims to simplify the payment infrastructure for merchants and payment service providers by offering a comprehensive digital financial platform.

Virtus Partners, LLC provides fixed-income Collateral Administrative services and data on structured and non-structured transactions across a broad spectrum of investment vehicles, including Hedge and Private Equity funds, separate accounts, Collateralized Loan Obligations (CLOs), and Total Returns Swaps (TRS). Virtus also provides solutions for fixed-income asset managers looking to outsource their Middle Office requirements. For administrative services requiring a Trustee function, such as CLOs, Virtus has partnered with Citi Agency & Trust to offer a seamless and holistic administrative package.

SONECT enables every shop in the neighborhood to act as a “virtual ATM” using just a smartphone or its POS-system. It democratizes the process of cash distribution in order to reduce the “cost of cash”. SONECT is a location-based matchmaking platform that connects those who want to withdraw cash with those who want to deposit cash – typically a local shop owner. It builds a community around local businesses and helps them generate physical leads. Using SONECT: • local shops will not only have less cash to manage at the end of the day but also earn a commission & attract new customers by offering a new service and having access to an additional marketing channel • individuals can avoid an extra trip to the ATM and withdraw money without fees at the click of a button – wherever they are: in a restaurant, a bar, their favorite local shop, … • banks can reduce ATM operation costs & complement their ATM network – or even enter new markets without investing significant capital. On top of that, they can leverage a new revenue channel and get closer to their customers.

Numerated is a fintech company that simplifies business banking for financial institutions and their clients through its digital lending platform. This platform enhances the customer experience by offering pre-filled digital applications and flexible decision automation, allowing banks and credit unions to efficiently process a wide range of business banking products. With over 400,000 businesses and 30,000 financial institution associates utilizing its services, Numerated has facilitated $50 billion in lending. The company serves financial institutions with a combined asset total of $1 trillion, including notable clients such as Bremer Bank and Eastern Bank. Numerated has received recognition for its impact in the industry, being named one of the Top 250 FinTechs by CB Insights and the Best Overall Business Lending Company by FinTech Breakthrough.

ChangEd is a mobile app that helps pay down student loans by using spare change from everyday purchases to make additional payments. ChangEd securely links to credit and debit cards, rounds purchases up to the next dollar and sends that change to a loan servicer.

Worldpay is a global payments service provider that offers a comprehensive range of payment solutions tailored for omni-commerce merchants. The company specializes in debit and credit card processing, cloud-based payment solutions, and supports various payment methods including mail and telephone payments, card machines, and point-of-sale (POS) transactions. By providing a single-point access to over 200 local payment and collection services worldwide, Worldpay aims to simplify the payment process for businesses, helping them to eliminate fragmented payment capabilities across multiple channels and platforms.

Curu, Inc. is a technology company based in Denver, Colorado, founded in 2016, specializing in automated credit building software. Its primary product, Curu, analyzes users' credit reports, transactions, and financial history to generate personalized action plans aimed at improving credit scores. By linking their financial accounts to a secured profile, users receive tailored recommendations to enhance their creditworthiness, thus increasing their chances of approval for various financial products such as credit cards, personal loans, and mortgages. Curu's sophisticated algorithms and innovative "Extended Approval Plan" enable lenders to expand their customer base by identifying actionable steps for applicants to meet eligibility requirements. Financial institutions partner with Curu to offer clients a solution that combines behavioral modification with a credit score improvement program, ultimately fostering new account generation and responsible credit management.

Numerated is a fintech company that simplifies business banking for financial institutions and their clients through its digital lending platform. This platform enhances the customer experience by offering pre-filled digital applications and flexible decision automation, allowing banks and credit unions to efficiently process a wide range of business banking products. With over 400,000 businesses and 30,000 financial institution associates utilizing its services, Numerated has facilitated $50 billion in lending. The company serves financial institutions with a combined asset total of $1 trillion, including notable clients such as Bremer Bank and Eastern Bank. Numerated has received recognition for its impact in the industry, being named one of the Top 250 FinTechs by CB Insights and the Best Overall Business Lending Company by FinTech Breakthrough.

Mimble is a social gifting application that enhances the gifting experience by allowing users to connect with friends and family through instant gifts, chat, greeting cards, and event reminders. The app offers features that help users track gift ideas and special occasions while providing insights into the interests of their loved ones. It enables users to buy, send, upload, and redeem gift cards from various retailers, making the process enjoyable and efficient. Additionally, Mimble incorporates a rewards system for different activities, promoting engagement and fostering connections in a thoughtful and eco-friendly manner.

UpperRoom scans bond inventory lists and currently held securities and algorithmically determines which bonds should be bought and sold.

Harvest Savings & Wealth Technologies Inc. specializes in developing digital technology solutions for the financial industry, enabling banks, credit unions, and other financial institutions to enhance their services. Founded in 2012 and based in Larkspur, California, the company offers a range of tools designed to facilitate effective savings and wealth management. Its products include Goalkeeper, a goals-based savings solution; Signals, which integrates with core systems to trigger value-added actions; Jumpstart, a digital account opening tool; and Automate, which supports clients throughout their wealth journey. By focusing on innovation and efficiency, Harvest Savings & Wealth Technologies aims to provide comprehensive, enterprise-grade solutions that improve the financial experiences of clients at every stage of their financial journey. The company, previously known as Trizic, Inc., rebranded in September 2019.

Bond.ai is a financial intelligence platform based in New York, founded in 2016, that utilizes artificial intelligence to enhance interactions between users and financial institutions. The platform offers tools for users to manage their personal finances, set financial goals, and invest automatically according to their plans. It emphasizes user security through features such as 256-bit encryption and immediate notifications of unusual account activity. By leveraging its proprietary empathy engine, Bond.ai enables banks to gain deeper insights into user behavior, fostering improved financial health and engagement. This approach not only enhances customer value but also aids financial institutions in monetizing user data effectively.

Twist Bioscience Corporation is a synthetic biology company based in South San Francisco, California, established in 2013. The company specializes in the production of synthetic DNA through its innovative DNA synthesis platform, which utilizes a proprietary semiconductor-based process on silicon chips. This approach allows for the rapid and cost-effective manufacturing of high-quality synthetic DNA, enabling applications in various fields, including healthcare, agriculture, industrial chemicals, and data storage. Twist Bioscience offers a range of products, including synthetic genes, tools for sample preparation, antibody libraries for drug discovery, and DNA for digital data storage. The company aims to empower customers in their quest for solutions that improve lives and sustainability, positioning itself as a key player in accelerating advancements in synthetic biology.

Numerated is a fintech company that simplifies business banking for financial institutions and their clients through its digital lending platform. This platform enhances the customer experience by offering pre-filled digital applications and flexible decision automation, allowing banks and credit unions to efficiently process a wide range of business banking products. With over 400,000 businesses and 30,000 financial institution associates utilizing its services, Numerated has facilitated $50 billion in lending. The company serves financial institutions with a combined asset total of $1 trillion, including notable clients such as Bremer Bank and Eastern Bank. Numerated has received recognition for its impact in the industry, being named one of the Top 250 FinTechs by CB Insights and the Best Overall Business Lending Company by FinTech Breakthrough.

WalletFi is a subscription management solution tailored for financial institutions and fintech companies. It offers a white-label application that helps users manage their recurring charges effectively. By utilizing machine learning technology, WalletFi identifies subscriptions, recurring payments, and Card-on-File merchants, providing personalized insights to enhance user experience. This application equips financial institutions with detailed analytics that aim to improve customer engagement and financial wellness, ultimately delivering a measurable return on investment.

Monotto is building the future of autonomous banking. Using the account holder’s transactional history, Monotto's machine-learning engine improves customers' financial stability through automated saving optimization. Monotto is offered as a white-label or API-enabled platform for banks to engage and de-risk the under-banked population. Additionally, our rule based marketing platform generates "opt-in" personalized ads for each account holder. Monotto is using today’s most advanced technology to make banking personal. Monotto was launched in 2016 and is operated from Atlanta, Georgia.

Using technology and education, we empower institutional investors to better manage their portfolios. Founded in March of 2013, Public Funds Investment & Reporting (PFITR, ) is a software-as-a-service (SaaS) technology company that enables those responsible for overseeing tax dollars to see valuation metrics based on market transactions to make the best investment decisions possible. Treasurers, Directors of Finance, public CFOs—all are examples of public fiduciaries who oversee, cumulatively, trillions of dollars in their operational accounts. State statutes and internal investment policies govern the three mandates of safety, liquidity, and yield. Keeping the investments safe involves identifying, measuring and mitigating risk. Liquidity is the second mandate and most entities keep an excess amount of cash and cash equivalents and because they lack the cash flow analytics required. Buying too high, hidden commissions, and holding too much cash often sacrifice yield. Our BPV™ tool provides them the analytics and internal controls to guide public fiduciaries to lessen risk, commissions, and poor timing. How do public fiduciaries, so burdened with conflicting demands and looming risks, respond? They either avoid doing anything or they take the advice of the bank or broker making the recommendation. Many public fiduciaries lack the experience, technology and training to make optimal investment purchases, so they are dependent on the recommendations of the broker because most do not use an advisor. There is an inherent conflict of interest in many recommendations because, generally speaking, brokerages receive higher commissions when the product sold is riskier generally . Most public fiduciaries are under-diversified, over-liquid and earning too little on their multi-million dollar portfolios. Cumulatively, public fiduciaries currently invest trillions of taxpayer dollars each year. In their flagship product, the Bond Price Validation tool (BPV™), PFITR provides public fiduciaries the information that they need to make optimal investment purchases. With proprietary, licensed data from strategic partners, including Moody’s, Interactive Data Corporation, CUSIP, and Standard & Poor’s, packaged into a user-friendly software interface, PFITR puts internal controls in place so that the public fiduciary can make more informed decisions. . PFITR offers public fiduciaries market transparency for their investment purchases and inventories. Bond fees and commissions are not transparent and are rarely known. The BPV™ tool is the most affordable and easy-to_use technology that lets public fiduciaries know market information about and pricing of investments before purchasing them` . In the world of public finance, proof is invaluable. Constituents want proof that their public servants are doing a good job, and auditors demand it. Bond Price Validation generates instant reports for every transaction that a public fiduciary makes in comparison to comparable market transactions. With Bond Price Validation, constituents and auditors alike are able to view and understand exactly why public fiduciaries make the investments that they do. PFITR has earned the attention of two early stage venture investors. Capital Innovators, the Missouri Technology Corporation and SixThirty are among a few of those who have cumulatively invested PFITR. In recent months, PFITR has built an impressive sales pipeline, with almost 100 product demos currently scheduled and a projected annual recurring revenue strea(ARR) of more than $300k by January 2016. Together, these factors contribute to PFITR’s current valuation of $3.8MM. Accordingly, PFITR seeks $380k for a 10% stake in the company. With a total market size of 116,000 U.S. public entities, PFITR aims to convert 4,000 public entities to customers within five years. This market penetration rate of about 3.5% requires PFITR to convert three customers in the month of September 2015 and post consistent, month-over-month sales growth of about 15% through 2017, at which time growth may slow to a more mature rate of 6%. Less than four months into their sales efforts and with only one full-time Sales Development Representative (SDR) and one Account Executive (AE), PFITR has already converted four new customers in September 2015. At 4,000 customers, PFITR will achieve a valuation of more than $625MM.

Carbon, Inc. designs and manufactures advanced printing solutions that enhance product performance and accelerate market delivery. The company utilizes its proprietary Digital Light Synthesis technology, which combines digital light projection, oxygen-permeable optics, and programmable liquid resins to create parts with superior mechanical properties and surface finishes. Its SpeedCell system integrates various manufacturing processes for consistent production of end-use parts across different scales. Carbon's offerings include a range of printers and the automated Smart Part Washer, enabling streamlined workflows for industries such as automotive, consumer products, dental, industrial, and life sciences. Additionally, Carbon produces various polyurethane materials, including rigid and flexible options, as well as other advanced resins. Founded in 2013 and based in Redwood City, California, Carbon supports its clients with consulting services, helping them leverage its technologies for mass customization, on-demand inventory, and innovative product development.

SunGard Data Systems Inc. is a global provider of software and technology services, primarily serving the financial services, education, and public sectors. The company operates through four segments: Financial Systems, Higher Education, Public Sector, and Availability Services. The Financial Systems segment offers solutions that automate processes related to trading, investment portfolio management, and asset accounting, catering to financial institutions, corporate treasury departments, and energy companies. The Higher Education segment provides enterprise resource planning and administrative solutions for colleges and universities, addressing their academic and operational needs. The Public Sector segment focuses on software and services for K-12 education, government agencies, and public institutions, supporting various administrative functions and public safety initiatives. The Availability Services segment ensures uninterrupted access to critical IT systems through recovery and managed services. SunGard offers its solutions through traditional software and cloud-based models, emphasizing technology consulting and implementation services. Founded in 1983 and based in Wayne, Pennsylvania, SunGard Data Systems Inc. operates as a subsidiary of SunGard Holdco LLC.

Reliance Financial Corporation is a privately held, Atlanta-based diversified financial services and wealth management company with more than $138 billion in assets under management and administration. Reliance conducts business throughout the United States through its trust companies, Reliance Trust Company based in Georgia (one of the largest independent trust companies in the country) and Reliance Trust Company of Delaware, and its other subsidiaries and affiliated offices. Reliance offers a full array of trust and wealth management, investment, retirement plan and outsourcing services to individuals, corporations and institutions, as well as to other banks, brokerage firms and insurance companies.

Credit Management Solutions, Inc. (CMSI – Nasdaq: CMSS) is a premier provider of credit automation software and services, including Internet-based online lending and leasing technology. Drawing upon over 12 years of experience in the credit processing industry, CMSI has developed and provided open-architecture software products and services that manage volume intensive credit operations over wide-area networks. Building on this foundation, the company’s e-commerce products and services provide innovative solutions that credit-enable business-to-business and business-to-consumer transactions. CMSI's technology and services have been the choice of the world's largest and most demanding lending institutions, as well as numerous other businesses, including finance companies, telecommunications companies, student lenders, equipment lessors and small businesses.

Compliance Coach Inc., provides software that enables banks and other businesses to comply with applicable laws and regulations.

Financeit USA Inc. is an online platform that enables businesses to offer consumer financing, allowing customers to manage loans from various web-enabled devices. Founded in 2011 and based in New York, the company operates as a subsidiary of Financeit Canada Inc. Its point-of-sale financing platform simplifies complex sales transactions, helping businesses close more sales by providing customers with affordable monthly payment options for significant purchases, such as home improvements, vehicles, or retail items. Financeit serves a diverse range of businesses, including larger enterprises, by offering an integrated suite of solutions that encompasses lead management, live contact support, financing options, and promotional tools. The company has partnered with over 8,000 merchants and has processed more than $5 billion in loan applications, earning recognition as the Canadian Lenders Association's Company of the Year in Lending in 2019.

LendAmend.com is an online platform designed for professionals in the leveraged loan market, focused on simplifying the amendment process and offering administrative support to market participants. It serves the $1 trillion leveraged loan sector by facilitating electronic signature page delivery and integrated compliance monitoring. The platform enhances transparency and standardizes amendment procedures, helping lending institutions efficiently manage various aspects of the bank loan amendment process. LendAmend was acquired by FIS Global in November 2013.

mFoundry is a leading provider of mobile banking solutions in the United States, serving over 800 banks and credit unions. The company's award-winning mBanking platform is recognized as a top software-as-a-service (SaaS) solution in the financial services sector, enabling rapid deployment of mobile banking applications. mFoundry has established a robust partner network that includes prominent organizations such as FIS, PayPal, and NCR, enhancing its implementation capabilities and service offerings. In addition to its mobile banking services, mFoundry has made significant contributions to mobile payments, exemplified by its role in the Starbucks Card Mobile program, which is regarded as a highly successful mobile payment initiative. Founded in 2004 and headquartered in Larkspur, California, with an additional office in San Francisco, mFoundry continues to innovate in mobile financial services, helping institutions and merchants foster deeper customer relationships through mobile technology.

Memento specializes in providing enterprise fraud and compliance solutions tailored for credit unions and community banks in North America and Europe. The company’s flagship platform, Security 4.0, integrates data management, fraud analytics, and case management to enable proactive monitoring and real-time alerts, addressing various technological and regulatory challenges. Memento's offerings include tools for monitoring new account fraud across multiple channels and transaction types, as well as solutions for insider threats and deposit account fraud prevention. Additionally, the company provides a suite of services that help smaller financial institutions meet regulatory requirements and combat identity theft. Established in 2002, Memento is headquartered in Concord, Massachusetts, with additional offices in New York, Los Angeles, Milan, London, and Washington, D.C.

Capco is a global technology and management consultancy that specializes in the financial services and energy sectors. Established with the aim of transforming the financial industry, Capco operates at the intersection of business and technology. The company offers a range of services, including consulting, technology integration, transformation delivery, and managed services, focusing on areas such as banking and payments, capital markets, wealth and asset management, and insurance. By combining innovative thinking with extensive industry knowledge, Capco helps organizations accelerate their digital transformation initiatives.

eFunds Corporation is an industry leader with nearly 30 years of experience and expertise in electronic payments and risk management. eFunds offers electronic funds transfer software and processing, risk management and related outsourcing solutions to financial institutions, electronic funds transfer networks, retailers, telecommunications providers, and government agencies around the world. Committed to providing excellent customer service and award-winning products, eFunds enables its clients to reduce transaction and infrastructure costs, detect potential fraud and enhance relationships with their customers.

AssetExchange is the leading independent credit card portfolio brokerage firm for credit unions, banks and other financial institutions. AssetExchange assists card issuers that wish to sell their portfolios by bringing multiple, competitive offers from all interested portfolio buyers. This ensures that the seller receives the highest offers and best partnership terms available in the marketplace. In addition, AssetExchange provides a level playing field where portfolio buyers can compete for strategic purchasing opportunities.

Proservvi is a provider of back-office processing services for financial institutions.

WebTone began as a pioneer in the development of advanced call center and Internet capabilities. In 2001, the company acquired The Broadway & Seymour Group, a move that expanded WebTone's core technologies with leading-edge branch and call center automation. WebTone's TouchPoint suite is comprised of a variety of modules that allow institutions to provide efficient, personalized service while taking advantage of opportunities to deepen customer relationships. At the heart of the suite is TouchPoint Enterprise ServicesTM, the architecture that allows consistent communication across all delivery channels and business units.

Xpede focuses on enhancing relationships between financial institutions and their customers through innovative web-based solutions. As an Application Service Provider, it enables lenders to establish a personalized online presence for loan origination, closure, and servicing. By leveraging a highly scalable Java-based application server, Xpede offers a customizable platform that integrates seamlessly with existing back-end systems, re-engineering workflows to improve operational efficiency. The company's software solutions are designed to optimize online transactions and expand product offerings for financial institutions. Founded in 1998 and backed by venture capital from notable investors, Xpede combines expertise from both the financial services and information technology sectors, positioning itself as a leader in e-commerce solutions within the financial market. The company provides continuous management and hosting of its solutions in a state-of-the-art data center, ensuring reliable service for its clients.