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DATA SHEET

Vinta Intelligent Evaluator (VIE)OPTIMAL CREDIT RISK EVALUATION SYSTEMVIE is designed to specifically handle and support the credit assessment of multiple types of loans fromconsumer loans (personal loans, microfinance loans, auto loans, housing loans and credit card) tocorporate loans. The strength of this system lies in Vintas two (2) sophisticated engines: Vsoft IntelligentAgent which provides the platform for automating decision-making within the enterprise, and VintasIntelligent Process / Workflow System which provides the platform for automating business processes.

INTELLIGENT CREDIT-SCORING SYSTEMVintas credit scoring system utilizessophisticated algorithms to estimate the risksassociated with a credit applicant. These

algorithms are proving to be superior tostatistical regression techniques used by mostbanks for credit modeling. Because of these,VIE will be able to optimize credit decision-making within the bank and promote consistencyin evaluating and reviewing credit applications.

How is that?

This technological advancement can interlinkand extract credit risk related information fromvarious data sources, such as the internal LoansOrigination System (LOS) or Core Banking Systems. It can analyze large volumes of historical data

and capture complex and non-linear patterns to measure the applicants capacity to pay off hisobligations. It can, as well, predict, at a very early stage in the application process, the level of risksassociated with a borrower.

VIE will also be able to adopt the extensive knowledge and expertise of the banks best creditpractitioners. With this technology, credit officers can create as many rules that they can think of,based on their knowledge and past experiences, and they can also infer comprehensible rule sets,based from the banks internal credit policies and guidelines and historical data.

Through the combined power of various artificial intelligence algorithms, VIE will be able to tell youwhether you should approve or reject an application, and will even support this decision with anappropriate credit score or rating. In case an application gets rejected, VIE can provide the loan officerwith the reasons why such application is denied and will even allow them to conduct what-if analysesto search for other ways to have the said application approved.

All the credit models generated by the system can be retrained at any time to adapt to changingcustomer risk patterns and amendments in the banks internal credit policies and guidelines. VIE is soflexible, it enables the loan officers to modify their credit and business rules even without the help oftheir programmers.

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INTELLIGENT BEHAVIOR-SCORING SYSTEMVIE is also capable of generating a behavioral score based on its analysis of behavior of the banksclients. Based on the payment history, demographics and spending habits of the borrowers, VIE willbe able to predict their future performance, learn and understand their different risk profiles, andidentify high, medium and low risk accounts.

How else can this benefit the bank?

First, if the bank would like to optimize their credit line management, it will already be easier for themto review the risks from extending credit lines to existing customers. Their Credit Review Committeewill just look at the risk profile of the borrowers and the bank will know in an instant, whetherexpanding their credit limit, will be beneficial to the bank.

Second, the marketing and account management staff will be able to discover new market niches,

hence come out with more effective targeted marketing campaigns. Considering patterns of consumerbehavior, they will be able to know which products and services will click in the market, at minimumrisk by market niche.

And third, VIE is an effective tool to determine the best collection strategy to use. Knowing the highand low risk accounts, VIE can help the Accounting and Collection Department of the bank to focus onthe customers who are least likely to pay, and spend less time on low-risk clients. They will also beable to know when they will need to send a soft collection letter, do a reminder call, involve the legaldepartment, or when to do nothing at all, as they know that the client will pay anyway.

VIEs credit and behavioral scoring capability definitely allows banks to reduce credit costs, increaserevenues and lower delinquency rates.

Features and Benefits of Vintas Intelligent EvaluatorFlexible and Robust CreditScoring Engine Optimizes credit decisions through comprehensive credit andbehavioral scoring systems that will help banks weed out potential

credit problems and classify market niche.

Ensures accurate, fast and consistent decisions

Rules can be retrained at any time to adapt to various internal andexternal changes affecting credit decisions

Captures and preserves the knowledge of the credit experts

Reduces the level of bad debts

Efficient data accessmechanism Allows data from different databases to be gathered and used asfeed information for optimal decision-making

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Contact UsNeed more information? Please dont hesitate to give us a call. Our office hours are from 8:30 AM to 5:30PM, Mondays to Fridays.

THE COMPANY Vinta Systems, Inc.ADDRESS 27-C Rufino Pacific Tower, 6784 Ayala Avenue, Makati City 1200 PhilippinesPHONE (63-2) 893-3963; (63-2) 893-3824EMAIL info@vintasystems.comWEB www.vintasystems.com

VIE is a trademark of Vinta Systems, Inc. All other trademarks are the property of their respectiveowners.