A simple walkthrough of the Cybersettle system

1. ONLINE DISPUTE RESOLUTION

2. Introduction Cybersettle is the premier global provider of technology enabled on-line dispute resolution solutions Cybersettle’sPatented Double Blind Process reduces the time and lowers the cost to settle disputes Having facilitated over $1.8 Billion in claims, Cybersettle has saved its customers millions in legal fees and administrative costs

3. How It Works Users wanting to settle a claim on-line go to our website… Web Browser http://www.cybersettle.com

4. How It Works Log on with their username & password OR create a new account… Web Browser http://www.cybersettle.com Username: jadjuster Password: ********** LOGIN Create a new account

5. Web Browser http://www.cybersettle.com Opponent’s Name: Robert Attorney Opponent’s Email: rattorney@email.com How It Works Specify the opposing party to the claim… Opponent’s Fax: 212-555-1212 NEXT

6. Web Browser http://www.cybersettle.com Claim Number: Claim#12345 Date of Loss: 5-12-2009 How It Works Provide some basic claim information about the claim… Type of Claim: Bodily Injury NEXT

7. Web Browser http://www.cybersettle.com Round 1 Offer: $ 13,000 Round 2 Offer: $ 14,000 How It Works And enter 3 offers of settlement for the claim, one for each round of the process. Round 3 Offer: $ 15,000 NEXT

8. Web Browser http://www.cybersettle.com Round 1 Offer: $ 13,000 Round 2 Offer: $ 14,000 How It Works These offers are the most the submitter is willing to pay in each negotiation round and will never be revealed to the other party. Round 3 Offer: $ 15,000 NEXT

9. How It Works Once submission is complete, the system immediately notifies the other party by fax, email, or telephone.

10. Responding to a Claim Upon receiving notification, the opposing party goes to the Cybersettle website to access the claim… Web Browser http://www.cybersettle.com Welcome to Cybersettle Access Code: 123456789 NEXT

11. Web Browser http://www.cybersettle.com Claim Number: Claim#12234 Date of Loss: 5-12-2009 Opponent: John Adjuster I agree to the terms and conditionsof this site Responding to a Claim An overview of the claim as well as terms and conditions of participation are displayed. NEXT X

12. Responding to a Claim After reviewing the claim information, the opposing party enters up to 3 demands. Web Browser http://www.cybersettle.com Round 1 Demand: $20,000 SUBMIT

13. Web Browser http://www.cybersettle.com We’re sorry, your demand of $20,000 did not settle this claim. Please try again. Round 2 Demand: $17,000 Responding to a Claim Each demand will be compared against the corresponding offer for the round. SUBMIT

14. Web Browser http://www.cybersettle.com We’re sorry, your demand of $17,000 did not settle this claim. Please try again. Round 3 Demand: $14,000 SUBMIT Responding to a Claim No numbers are revealed. The system compares the offers and demands in the blind, keeping them strictly confidential.

15. If during any round, the responding demand is less than or equal to the settlement offer, a settlement is reached for the average of both amounts. Web Browser http://www.cybersettle.com Congratulations! Your case settled for $14,500! Round 3 Demand: $14,000 Responding to a Claim SUBMIT

17. Request a FacilitatorResponding to a Claim

18. Responding to a Claim The responding party can resubmit the claim and enter 3 new demands. Web Browser http://www.cybersettle.com Round 1 Demand: $ 17,000 Round 2 Demand: $ 16,000 Round 3 Demand: $ 15,000 NEXT

19. Responding to a Claim The other side will then respond with up to 3 new offers and attempt to reach a settlement. Web Browser http://www.cybersettle.com Round 1 Demand: $ 17,000 Round 2 Demand: $ 16,000 Round 3 Demand: $ 15,000 NEXT

22. Responding to a Claim Web Browser http://www.cybersettle.com “ Great news! I just spoke to the other side and they are willing to lower their demand! ” They are extremely effective at getting both sides to compromise, without revealing the other party’s numbers.

23. Effective Results Since 1998, Cybersettle has facilitated settlements of over 250,000 claims 60% of claims settle within 60 days of submission On average, Cybersettle reduces claim cycle times by 4-6 months Cybersettle has saved the City of New York over $70 million