Impetus Case Study

Project Title
Product Development, Implementation and support, Testing and Configuration for new
implementations.

About the Client

LiveCapital provides credit-decisioning solutions, helping enterprises better, and more
profitably, manage their commercial credit operations. It offers solutions for credit
decision process by automating clear Approve and Reject decisions, and managing
workflow to smoothen the manual review process for exceptions in credit decisioning.
Automated credit decisioning drives down operational costs by reducing overhead and
rework, and provides for better credit decisions.

Since 1996, the company has been focusing on delivering superior yet affordable
solutions that streamline every aspect of the credit process. Many Fortune 1000
companies and industry leaders such as Siemens Medical, Kubota Tractors, USX,
Federated Capital, California Bank & Trust and Waste Management are using its product,
which offers them bottom-line economic benefit.

About the Product

LiveCapital has developed DecisionExpress, a product that helps organizations
throughout the credit cycle - from the time a new credit application is submitted, to the
time a credit decision is made, and then throughout the life of the customer relationship.
DecisionExpress can streamline credit operations and provides tools to monitor the risk
exposure and also identify when action needs to be taken. It has helped its clients
achieve:

• Significantly reduced application turnaround time

• Improved productivity
• Lower data acquisition costs
• Reduced bad debt expense

About the Relationship

LiveCapital was looking for a company that could help them in extending their product
features, and was proficient in performing testing and configuration tasks for their new
implementations.

Impetus was introduced to the client, in October 2002. The relationship started with less
mission-critical work for LiveCapital, such as quality assurance and testing of its product
functionalities. With the client having developed confidence in Impetus’ development
capabilities, the company also started outsourcing critical elements of its product R&D to
the Indian partner. Since Q1 2003, Impetus has been providing product R&D services to
LiveCapital, while also working on developing new products for the client. In this short
span of less than 2 years, the relationship has grown manifolds, both in terms of the team
size, size of the engagement and also the criticality of the work that they do together.

Currently, Impetus is working with LiveCapital for

• Development of new products

• Development of product features, enhancing the existing functionalities and
product support
• Providing product implementation professional services
• Quality Assurance services which includes functionality and load testing

Criticality of the Assignment

Impetus is not just an outsourcing vendor to LiveCapital. Rather, it is a strategic
development partner for the client, both in terms of the inputs it provides in the product
definition and architecture stage, and also with regard to its involvement in the actual
product implementation for some of LiveCapital's clients. The Impetus engineers work
very closely with the LiveCapital team, more as an extension of the LiveCapital team
members. They are involved in the client's product development and solution providing
exercise, spanning the entire product-definition-to-implementation cycle, more from a
complete end-to-end solution provider perspective. The core elements of the product, its
features and technology, are all subjects of discussion between the LiveCapital and
Impetus teams.

Impetus works on the development of products, which are the basis of the solutions that
LiveCapital offers to its Fortune 1000 clients. In that sense Impetus works on the main
core of LiveCapital's business. Impetus' involvement, therefore, is very business-critical
to LiveCapital.

"Impetus' contribution has added significant value to the solutions that we offer to our
enterprise users by allowing LiveCapital to deliver highly usable and performant products
at a competitive price point", says Michele Iacovone, CTO, LiveCapital.

How Impetus Helped

Impetus put together a team of experts in development, configuration and quality
assurance, as an extension to the client's team in the USA. Impetus helped the client
define the QA & configuration process, prepared a configuration guide, and is also
helping LiveCapital in managing multiple implementations.

The Impetus research and development team works as an extension to the client’s
development team. It helps develop new components in the core platform, and also
provides enhancement and support to existing components in the suite. The team also
helped profile the components for their performance, and for their optimization.

The professional services provided by Impetus supports the client team in the
implementation of the product. The team is responsible for customization and
configuration of the LiveCapital Solution in accordance with the client requirements.
The quality assurance team is responsible for ensuring the quality of both the R&D and
professional service releases. They are also responsible for load testing and functional test
automation.

The LiveCapital solution is built on core J2EE technologies – using STRUTS, EJB,JMS
and Oracle 9i.

Value Delivered
Impetus has helped Live Capital with having a more feature rich, robust, scalable product
suite by its research and development efforts.

It has also completed several successful client implementations for Live Capital clients,
including Siemens Medical, Kubota Tractors, BellSouth Advertising and Publishing
Corporation (BAPCO), PC Connection, Waste Management and California Bank & Trust.

LiveCapital has been able to derive strategic value by using some components from the
Impetus repository of its internally developed components and tools. "The relationship
has only grown richer by borrowing from each other's best practices," says John
Winchester, VP-Engineering at Impetus.

In the words of Michele Iacovone "The Impetus team is an extension of the Live Capital
development team, there has been 0% attrition and we have been successful in creating a
cohesive and very productive work environment."
Company Name: TCS Business Transformation Solutions Ltd (TCS-BTS)
Area of Specialization: - Application development in current technologies - Technical help desks - Enterprise
Continuity services (Application management and network management) - IT Education & Training
City: Bangalore

TCS Business Transformation Solutions Limited has merged into Tata Consultancy
Services Limited with effect from 01 February 2006

What's in it for me?

• Exposure to business excellence and evolving technologies

• Careers across business and technology areas
• Being at the forefront of the e-revolution
• Global exposure - with projects in over 50 countries and 800 clients, many of
them Fortune 500 standouts
• World class training, and the opportunity to learn continuously
• An open-door, energetic environment with world-class infrastructure

Developing software for our clients - among whom we count seven Fortune 10
companies - is a fast-paced, challenging and result-oriented endeavor, and we do this in
an enjoyable work environment. What TCS offers you is an accelerated career path that
you can yourself design as you go along. We also offer a host of other tangible and
intangible benefits that will transform you into a world class InfoTech professional.

At TCS we are looking for creative sincere and friendly people to join our global
workforce.So why not explore careers @TCS by clicking on the links below?

Location: Positions are based at the TCS delivery centre/solution centers across INDIA
in following cities:-
• Ahmedabad
• Bangalore
• Chennai
• Cochin
• Delhi
• Hyderabad
• Kolkata
• Lucknow
• Mumbai
• Pune
Special consideration will be given to candidates with knowledge of Oracle Apps/
Mainframe/SAP - B.Sc/Diploma with minimum 3 years of relevant functional/technical
expertise will be eligible.
Java Technologies:

JAVA/ J2EE /JSP/Servlets/EJB/ Perl / SOAP/ Websphere/ XML/ XSL/ LDAP/

Weblogic/ iPlanet/ Vignette / Java Swings

Client Server:
Oracle, Oracle PL/SQL, Oracle DBAs

Open Systems:
C, C++, UNIX, Shell Scripting, Strong knowledge of the database

Infrastructure Services:
Network Administrator:
CCNA/CCNP certified professionals with thorough understanding of Cisco networking
and experience in installing and configuring routers, VPN, switches, setting IPSEC
tunnels on an IP network, also SHA1, MD5, SNMP and RMON2 Protocol and
services/products.
Security Administrator:
CCSP/CCSA certified professionals with experience in installing and configuring
firewalls (Checkpoint, PIX etc.), IDS, socks, web proxies, etc/handling Security
incidents.
Server Administrator:
Applicants should have experience in the following areas for Windows / UNIX-Solaris /
UNIX-AIX:
• System Architecture & Planning, Clustering and High Availability Systems
planning and configuration, engineering for DMZ environments.
• NOS / OS Lifecycle development, Integration and support with SAN/NAS and
Backup systems.
• Technology scaling, Server Sizing & builds, planning for migration & transition.
Storage Area Network Administrator:
EMC, Brocade or Hitachi Applicants would be preferred:
• Storage Resource Management (SRM) with products like Verities SANPoint
Control, ECC Manager, Tivoli, HP OpenView, BindView.
• Performance tuning storage for Oracle, SQL, IIS and/or other database or web
applications.
Backup Engineer :
• System Administration of Unix and/or Windows NT/2000/2003 platforms, Veritas
NetBackup products ,online agents / plugins for database, messaging et.
• Back-up and recovery configuration / remote management tasks. Exposure to
storage networking, AIX, Solaris, Linux, Microsoft 2000, backup technologies
and data center facilities engineering.
HP Openview Consultants:
• Implementation of HPOV suite of Products
• Familiarity with HPOV- NNM, OVO , OVPI and Reporting tools
• Configuration in at least two of the above.
Remedy Consultants:
• Implementation of Remedy suite of Products Version 5.X and above.
• Familiarity with popular NMS and Reporting tools.
• ARS , Help Desk and SLA modules/Integrations projects in the Infrastructure
Management.
CRM Consultants
Project Managers / Technical Consultants / Business Analysts / Functional Consultants in
CRM packages like Siebel, Siebel Analytics, PeopleSoft CRM, SAP CRM, Oracle CRM
and Chordiant for our Delivery Centers / Solution Centers across India

We offer you a choice of three distinct career paths:

Technology stream

In this domain you would have a choice of working in the following areas:

• Industry / service practice strategy / consultancy

• Technology specialisation
• System architecture / analyses
• Product specialisation
• Business / technical analysis
• Technology support
• Designing / developing

Strategy and corporate stream

Here you will have the choice of working in any of the following management areas:

• Project management
• Business development
• Human resources management
• Finance development
Processes, research and teaching stream

Here you will get the chance to work in the following areas:

• Software processes
• Quality assurance
• Training
• Research and development
• Business / technical analysis
• Technology support
• Designing / developing

Clients

TCS has developed IT solutions for over 800 clients across the world. Our end-to-end solutions
help our client organisations gain efficiency in their business processes. Ultimately, we arm them
with that much-needed edge in the marketplace.

TCS has 95 branches all over the world, including 43 offices in the US. We believe that our global
presence enables us to be close to our clients. At any given time about 60 per cent of our
software professionals are working at client locations in different countries.

That our clients have high regard for their relationship with us is borne out by an impressive
statistic: over 75 per cent of our business comes from repeat clients.

Hear what Monica Singer, chief executive officer of Strate Limited, one of our clients, has to say
about us — "The least of my worries has been whether or not the system would work, or if it
would be delivered on time. The professionalism, commitment, dedication and true passion of the
TCS team made it all possible. Thank you, TCS, for making magic every day of our lives."

Quality levels

When it comes to quality levels, our systems and processes have been placed at the top of
the scale by various evaluating agencies.

• TCS has an organisation-wide ISO 9001 certification.

• We have 14 'delivery centres' spread across India operating at 'Level 5', the
highest point of SEI CMM certification.
• TCS has over 1,100 'certified quality assessors' (CQAs) among its people. This is
the single largest number of CQA employees for any organisation, and it
constitutes over a third of the CQA fraternity in the world.
• We were the first organisation in the world to be assessed at PCMM Level 4.
What this means is that we have developed measurable people practices by
 empowering our workgroups, and by managing the capability and performance of
our workforce quantitatively. We currently have four centres functioning at
PCMM Level 4.
• TCS has adopted 'Six Sigma' practices at two of its centres, and has 12 Six Sigma
black belts in its fold.

"Absolutely impressive" — PCMM pioneer Dr Bill Curtis, of Tera Quest, on TCS's

people systems and processes.

Innovation

We pioneered the offshore development methodology of software delivery in India by setting up

our first client-dedicated 'offshore development centre' (ODC) for Compaq back in 1984.

The ODC model enables clients to get calculable business benefits such as reduced time to
market and having a virtual extension of their IT department. TCS currently has over 20 client-
dedicated ODCs across India. This model has been replicated by various companies and has led
to the development of the India Inc brand in software development.

We developed the world's first software factory in Pune in 1997. The Tata Research Development
and Design Center (TRDDC) today produces industry-specific software products, applications,
and products like MasterCraft, which uses models to generate solutions for all layers of software
architecture, and Adex, a modelling tool that offers a meta-modelling framework and a repository
for storing application models.

Global outlook

From 1971, when we bagged our first international assignment, to now, with 140 offices across 26
countries, TCS is truly global in the scope of its operations.

We believe our geographical proximity to our customers — through our branches and our 26
client-dedicated offsite centres — helps us serve their needs faster and better. Add to this our rich
experience in providing end-to-end infotech consultancy and services to over 800 customers
spread across the world and you have a company that is a global powerhouse in its domain.

Says one of our clients: "TCS is a mission-critical partner for a wide range of information
technology services. Offshore and onshore, TCS professionals are highly motivated, talented and
driven to leverage IT to our competitive advantage."

The TCS vision is to be among the top 10 IT consulting companies by 2010.

Founded in 1989, Kanbay International, Inc. (NASDAQ: KBAY) is a global IT
services firm with more than 6,200 associates worldwide. Kanbay provides a
highly-integrated suite of management consulting, technology integration and
development, and outsourcing solutions through a proven global delivery
platform to clients focused on Financial Services and Consumer & Industrial
Products, as well as an emerging presence in the Communications & Media and
Life Sciences industries. Kanbay is a CMM Level 5 assessed company
headquartered in greater Chicago with offices in North America and India as well
as London, Singapore, Hong Kong, Tokyo and Melbourne.

Kanbay is a Values Driven Organisation

These values and our dedication to them are at the foundation of what makes
Kanbay different and of particular value to our clients. Because we put our values
into action, our clients rarely think of doing business with anyone else.

• We value respect for the individual.

• We value our ability to create and exceed high client
expectations.
• We value honesty, integrity, and open and caring
communication.
• We value attracting, developing, and retaining a
diverse group of people to achieve both personal and
corporate goals.
• We value an ownership mentality that encourages
innovation and risk-taking.
• We value a spirit of cooperation which is seen in our
ability to perform in teams and partnerships.
• We value work that enables us to give back to our
global society.

Domain Expertise
Kanbay is a financial services-focused IT provider. We have acquired
considerable domain expertise delivering solutions to our large list of clients over
the past fifteen years. Collectively, our associates have hundreds of years’
experience in the credit card, mortgage, auto finance, and consumer finance
industry segments, where we’ve learned firsthand about the specific IT
challenges these firms face. Furthermore, approximately 70% of our hires are
lateral hires from other consulting firms who bring with them relevant industry
experience and knowledge of how to apply technology effectively and efficiently
to the financial services domain.

This significant, relevant experience enables Kanbay associates to understand

your requirements better than other service providers. This understanding, in
turn, reduces information loss, mitigates project risks, improves FTR percentage,
and reduces overall IT costs.

Scalability
In order to quickly staff our multiple engagements, Kanbay carries a bench of
roughly 8-10 percent of our total delivery strength of approximately 4,700
resources. Our current bench of about 450 experienced domain and technology
resources will enable us to get off the blocks quickly and to scale up to deliver
complex solutions in a timely manner.

Kanbay has demonstrated its ability to smoothly ramp-up to such large scale
projects in the past. For example, in 2004 we more than doubled staffing at one
large firm, where Kanbay’s delivery strength now totals approximately 2,000
associates delivering services from onsite locations and Kanbay's Global
Delivery Centers.

Reliability
Our engagement model encourages Kanbay associates to continue servicing
each customer for an extended period of time. This continuity ensures that there
is no loss of productivity due to turnover of knowledgeable resources. We have
numerous instances in which our associates (both onsite and offshore) have
been engaged in the same customer business unit for over five years.
Ability to Build Long-Term Partnerships
About 40% of our associates currently service our largest customer, a large
financial services firm that has been a Kanbay client for over 15 years. The trust
they have placed in us has helped the relationship evolve to approximately 2,000
associates who support the retail businesses at all global locations, including
North America. We are their partner of choice in platform consolidation and roll-
out of a common global platform for cards across 82 countries. Similarly, we are
also one of the primary providers of offshore services to a leading Wall Street
firm where 650 of our associates provide services out of our Global Delivery
Centers and other global locations. Our stated goal is to build long-term win-win
partnerships with our clients and we have successfully developed several such
partnerships with our key clients.
We Are Innovators
With our depth of knowledge in Financial Services technology, Kanbay has
developed innovative engagement models and solution frameworks that enable
us to deliver faster time to market and lower costs to our clients. For example,
our Managed Services (Subscription or On Demand) Model in Testing and
Reporting ensures highest quality, greater than 90% offshore leverage, full
utilization of associates, and availability of varied skills as and when required on
engagements. Similarly, our predefined frameworks for originations, disputes,
customer services and collections enable us to adapt and deploy solutions
quickly to each client’s specific needs.

The Kanbay team is a group as diverse and as global as the organisation itself.
Yet among the team, there exists a "One Kanbay" outlook. We're a unified
organisation with a rich history and a common culture from top to bottom and
from one region to another.

Kanbay's history is an enduring demonstration of a global organization that

transcends geographical and cultural boundaries

Since our founding in the US, Kanbay today has its presence across four
continents. This expansion underscores its basic belief—to be a global
organization reaching out to partner for success.

The journey to Kanbay's current accomplishment started in 1989 when Kanbay

was founded by Raymond J. Spencer, Dileep Nath, and John Patterson with
headquarters in Chicago, IL.

In 1991, Kanbay established our India office to support delivery of software

development services, and in 1992, we established a Hong Kong office to serve
the Pacific Rim.

1995 saw Kanbay establish what was to become our largest development center.
From its new center in Pune (India)—equipped with a dedicated satellite link to
North America—Kanbay could now further refine our multi-site approach to
address complex issues of project management.

In August 1998, venture capital firm Safeguard Scientifics, Inc. acquired an

interest in Kanbay. That November, Kanbay established a Singapore office to
expand our ability to serve the Pacific Rim market.

In April 1999, Kanbay established an Australia office in Melbourne, and in June

established our UK office in Cambridge.

Growth at Kanbay has never lost steam. In October 1999, Kanbay acquired
Megatec, a $15 million Melbourne, Australia-based eBusiness products and
solutions firm.

Partnering for success took on a new meaning when in 2000 Morgan Stanley
and Household International acquired an equity interest in Kanbay.

In June 2001, Kanbay announced our ISO 9001 certification and in September
we established an office in Tokyo. The year ended on a winning note, with
Kanbay inaugurating our state-of-the-art technology center in Pune, India in
October 2001.

Our India operation expanded to Hyderabad in 2003. In the same year, we

achieved our first CMM Level 5 certification for project work. In 2004, Kanbay
received one of the first global assessments for CMM Level 5 which validates our
global development approach and methodologies, ensuring the Kanbay global
experience is the same regardless of region.

2004 also brought two Kanbay milestones. We opened the year by celebrating
our 15 year anniversary, and in July, Kanbay International became a publicly
traded company, listing on the NASDAQ under the symbol KBAY.

In early 2005, we strengthened our financial services focus by acquiring

Accurum, an IT services provider to the capital markets industry. On August 3,
2005 we celebrated our one year anniversary as a public company by ringing the
NASDAQ bell to open trading.

March 9, 2006, Kanbay completed the acquisition of Adjoined Consulting.

Kanbay now offers more formal management consulting focused on customer
value and operating efficiency and deepens its ERP implementation capability
through Adjoined’s very strong SAP and Oracle practices. Kanbay’s core strength
in Financial Services will be enhanced and also broaden into Consumer and
Industrial Products, giving the company a second strong vertical. The addition of
Adjoined also gives Kanbay a presence in the Communications & Media and Life
Sciences industries.