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North Hill Portfolio News

4.30.2007
OpenPages Named the Second Fastest Growing Private Company by Boston Business Journal

Award Further Recognizes OpenPages as a "Pacesetter" in the Region

Waltham, Mass. - April 30, 2007 - Boston Business Journal announced that OpenPages has ranked #2 in their annual survey of the Fastest Growing Private Companies which recognizes the region's "Pacesetters" for consistent year-over-year company growth.


Capping off a strong start to the year, the Boston Business Journal award comes on the heels of OpenPages being named a finalist to the Red Herring 100 list which recognizes the 100 most promising companies in the nation who are driving the future of technology.

OpenPages' President and CEO, Michael J. Duffy, attributes much of the company's success at the outset to recognizing a need and being the first to market with technology solutions that address an organization's governance, risk and compliance management challenges. Since launching the company in 2002, OpenPages has expanded its technology offering to include a Governance Platform that enables a company to manage risk throughout their enterprise as well as across a multitude of compliance regulations. In doing so, OpenPages has carved out a leadership position in the GRC market, landing global 2000 customers such as: Kodak, Duke Energy, Viacom, Bristol-Myers Squibb, T-Mobile and Barclays Capital.


"Being ranked second by the Boston Business Journal in a region with so many strong and unique technology companies is a true testament to our employees and to the value that our software solutions provide to our customers," said Michael J. Duffy, President and CEO of OpenPages. "Ranking second on the fastest growing company list is an amazing accomplishment for our team and one that the entire company can take pride in."

About OpenPages

OpenPages is the leading provider of Governance, Compliance and Risk Management solutions for Sarbanes-Oxley Compliance, General Compliance Management, Operational Risk Management and IT Governance. The company's solutions provide the visibility, decision support and control to improve accountability, better manage risk, achieve compliance with numerous regulations, improve operational performance and align strategies to ensure better results.


Market-leading corporations in financial services, manufacturing, telecommunications, media/entertainment, retail/consumer, energy, high technology, health services and life sciences rely on OpenPages to help them achieve sustainable governance, risk and compliance management -- enabling them to become well-governed businesses. Founded in 1996, the company is headquartered in Waltham, Massachusetts, with international offices in Hong Kong, Japan, France and the United Kingdom, and regional offices throughout North America.
For more information on OpenPages' suite of business governance software solutions or to register for an online demonstration, please call 781-693-5999 or visit http://www.openpages.com/.

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4.30.2007
Compete Consumer Generated Content Study Reveals Opportunities for Travel Marketers

Research Shows Online Travelers Value Brand Participation in the Social Web

BOSTON - April 30, 2007 - Compete, Inc. today announced findings from its latest study, "Consumer Generated Content in Travel", which finds that a majority of consumers support a brand responding to consumer generated reviews. Travelers are increasingly turning to their peers as a valued research source and encourage travel marketers to join them in this dialogue. Compete examined consumer generated initiatives from Sheraton Hotels, TripAdvisor and Southwest Airlines to help travel marketers understand how to balance creating exposure with maintaining control of the conversation.

Compete estimates that consumer generated content (CGC) influences over $10 billion a year in online travel. With consumers finding CGC more credible than they do professional reviews or information from travel companies, CGC has emerged as a critical source of travel information.

Additional key findings include:

Sheraton Hotels - Integration into eCommerce Platform: In late 2006, Sheraton transformed its website into a social platform, a "Global Neighborhood" for travelers. Compete's analysis revealed:


Value to Consumers: 50% of Sheraton shoppers who remember seeing the social functionality reported it as being valuable to their experience

Increased Conversion: Integration of CGC tools is tied to eCommerce performance, with 57% reporting it having a positive influence on likelihood to book

Southwest Airlines - Mini sites, Events & Promotions: The Southwest "Wanna Get Away Sweepstakes" micro-site used consumer generated videos to create a viral buzz and engage consumers in its marketing campaign. Compete found:

Strong Awareness: 20% of Southwest.com visitors claimed recall/awareness of the "Wanna Get Away" promotion


Enhanced Image: Southwest shoppers give the company high marks for an innovative marketing approach and encourage these types of marketing efforts

TripAdvisor - Brand management on third party sites: As the leading destination for consumer-generated travel reviews, TripAdvisor illustrates the opportunity for brands to respond directly to consumers. The study showed:

Importance of Peers in Research: Peer opinions are highly valued, 82% prefer consumer reviews over a hotel's description of itself

Acceptance of Brand Involvement: 58% say a supplier responding on TripAdvisor would put them in a favorable light


"Consumers want brands to have a role in their conversation," said Gregory Saks, director of Compete's Travel Practice. "If brands remain genuine and transparent in their CGC strategies, travel marketers can become a powerful voice in the conversation and engage with consumers in an entirely new way."


Compete's research is based on its panel of 2 million consumers and behaviorally targeted surveys to precise consumer segments. Sign up to receive Compete's monthly TravelTrends newsletter automatically at: http://www.competeinc.com/contactUs/


To view an earlier report, "Embracing Consumer Buzz Creates Measurement Challenges for Marketers", visit http://www.competeinc.com/research/spark/

About Compete, Inc.

Compete, Inc. is the only online market research firm that creates value for both consumers and marketers. Compete's research is powered by millions of people who share their online behavior to create a more trusted, transparent, and valuable Internet. Consumers use Compete to stay safe when they surf, save when they buy, and discover the best new websites. Leading companies turn to Compete to understand how these consumers consider, buy and engage with their own and rival brands. Carlson Hotels Worldwide, Esurance, Hyundai Motor America, Upromise, DaimlerChrysler, Verizon Wireless and other innovative companies rely on Compete's real-time insights to improve the return on their marketing investments.

Compete is headquartered in Boston, Massachusetts, with offices throughout the US. For more information, please visit http://www.competeinc.com.

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4.27.2007
Serious Wins PROMO Magazine Award

Serious has won first place in the New Media category of PROMO Magazine's 2007 Interactive Marketing Awards for its Indy 500 CD Postcard campaign.

The New Media category is for the best use of social networking, podcasting, blogs, RSS, or other new media to build brand engagement and drive consumer behavior. PROMO honors the best and the brightest in effective interactive marketing and recognizes the valuable role that interactive tactics play in motivating consumer response and creating strong, exciting brands.

The campaign's goal was to continue the excitement of the Indy 500 and encourage ticket renewals by sending direct mail CD Postcards more than 30,000 ticket holders the Indy 500 CD Card upon their return home from the race. The Card, produced from Serious' patented CD Cardz Media, offered fans race highlights and a video timeline of more than 80 years of Indy history. The call to action to renew tickets online included a free racing DVD with renewal as an incentive.

"When our fans got home from the race, this was sitting in their mailbox," said Terry Angstadt, former vice president of marketing for the Indianapolis Motor Speedway.

Using Serious' card tracking software, The Indianapolis Motor Speedway could quantify how many people used the Card. The results were tremendous as 9,420 users (28% of recipients) clicked through from web links within the Card to renew their tickets online. The racetrack's return on investment was 47 times the flat fee it paid for the cards. Advance ticket sales rose for the first time in many years.

"We wanted to do something a lot more advanced, sort of a future trading card," says Jennifer Hutton, who served as marketing coordinator for the Speedway.

CD Cardz Media are small enough to fit in your wallet, but big enough to offer movies, games, downloads and more.

Read more about the project here.

Check out the PROMO Magazine article here.

About Serious

Serious is an award-winning, privately held digital publisher and marketer with offices in New York, London and Singapore. Its portfolio of intellectual property includes over 100 optical card patents in 60 countries. Applications of its proprietary technology include interactive gift cards, loyalty cards, pharmaceutical patient education cards, direct mail programs and collectible digital trading cards.Serious' clients include Disney, BBC Worldwide, Best Buy, Vodafone, Indianapolis Motor Speedway, Electronic Arts, Circuit City, five of the top 10 US pharmaceutical companies, Manchester United, Sony Pictures, New Line Cinema, Warner Brothers, ESPN and Campbell's.

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4.26.2007
PAI Group, Inc. Hires Robert Digby, Joins as President of Payroll Processing Division

April 26, 2007 (Moorestown, New Jersey) - PAI Group, Inc. today announced the hiring of Robert Digby as the President of PayChoice, the payroll processing unit of PAI Group. Mr. Digby comes to PayChoice with over 20 years of payroll, HR, and benefits industry expertise. Mr. Digby is the former President of RSM McGladrey Employer Services, the payroll and benefit services company of RSM McGladrey / H&R Block. Mr. Digby also held roles at Ceridian, including President of its Powerpay internet payroll business, SVP of Marketing and SVP of Sales / Client Services for Ceridian Corporation.

"We are truly excited to have Robert join the team and take PayChoice to the next level," said Bill Scott, CEO of the Moorestown, New Jersey based firm, a leader in the payroll industry.

"Our growth has been nothing short of dramatic. Consequently, the skills and expertise needed to run a service bureau team of this size requires Robert’s talent. We look forward to his insight and knowledge."

Designed as a resource for small to midsized businesses, PayChoice eliminates the payroll and tax filing headaches for the small business owner, while also delivering employee benefits and tools often only available to large companies.

PAI Group, Inc. is comprised of two business units:

Payroll Associates, LLC (www.encorepayroll.com) provides integrated payroll, HR, tax filing and time & attendance products for nearly 300 payroll, PEO and accounting organizations and 100,000 employers nationwide.


PAI Services, LLC, operating as PayChoice, (www.paychoice.com) delivers payroll, tax-filing, benefits and HR services directly to 10,000 small and mid-sized businesses.

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4.24.2007
More Leading U.S. Colleges Sign on with SimpleTuition

SimpleTuition Delivers the Resources Financial Aid Administrators Need to Help Parents and Students Find and Compare the Best Student Loan Options

Newton, MA, April 24, 2007 -- SimpleTuition, Inc., a company dedicated to helping students and parents make sense of education financing choices, today announced the addition of ten leading U.S. institutions of higher education to its growing list of partners. All of SimpleTuition's school partners - now numbering in the dozens - are committed to delivering independent, up-to-date and accurate student loan financing information to students.

With hundreds of thousands of high school seniors in the midst of receiving college acceptance letters and making decisions by May 1st, top of mind is not only which school to attend, but also how to cover the costs. Financial aid professionals are tasked with helping families navigate the complex landscape of scholarships, work study, loans and other aspects of the financial aid package. SimpleTuition assists financial aid officers by providing families with self-service, user-friendly tools for making these critical financing decisions. SimpleTuition, an independently-managed platform, is fast becoming the resource of choice to help financial aid officers deliver this information.

For students entering DigiPen Institute of Technology (WA), California State University at Chico (CA), University of Portland (OR), Willamette University (OR), New England School of Communication (ME), Mount Hood Community College (OR), Oregon Institute of Technology (OR), Sheldon Jackson College (AK), Southwest Oregon Community College (OR), and St. Joseph's College (ME), the process for evaluating and applying for student loans is straightforward with the help of SimpleTuition.

"More and more students and families are turning to loans to fund their education. As an office we strive to be knowledgeable and to provide our students and families with the tools to make educated decisions about borrowing," said Tracey Lehman, Director of Financial Aid at Oregon Institute of Technology. "Having a resource like SimpleTuiton.com to share with parents and students is tremendously helpful and allows us to provide valuable information to students and their families so they can make the best student loan choice for their specific needs."

Students can research and compare information for Private, PLUS, Stafford, GradPLUS, Federal Consolidation and Private Consolidation loans, depending on which are appropriate to a given campus/program. Results can be sorted by monthly payment, total cost of the loan, number of payments, first payment due date and APR, and results contain detailed information about loan pricing, borrower benefits and other attributes.

"We continue to support financial aid professionals from Alaska to Maine and all points in between in their number one goal: helping students and parents find the right resources to make the investment in a college education possible," said Kevin Walker, president and CEO of SimpleTuition. "Paying for college is a confusing and daunting process for millions of families. SimpleTuition is committed to working with our partner schools to make the process a smoother, more transparent experience."

SimpleTuition offers an independent, online resource to help families analyze, assess and apply for student loans. The company currently supports its school clients with research and comparison information on more than 100 education loan products from dozens of lenders. SimpleTuition is not a lender.

For more information visit www.SimpleTuition.com/fap.

About SimpleTuition, Inc.

Founded in 2005, SimpleTuition is dedicated to helping students and parents make sense of education financing options. Recently featured as one of Fast Company's Top 12 Web 2.0 sites, SimpleTuition offers the leading independent and objective solution for researching and comparing private, PLUS, Stafford, GradPLUS, Federal Consolidation and Private Consolidation loans. The company currently offers over 50 student loan options from over 25 top lenders. SimpleTuition is headquartered in Newton, Massachusetts and is funded by Atlas Venture, IDG Ventures Boston and North Hill Ventures. For more information visit www.SimpleTuition.com.

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4.23.2007
College: Beating the Loan Sharks

April 23, 2007 issue - Here's more bad news from the college-costs-a-fortune department: student loans have lost their bargain interest rates, and, according to a new investigation of lending practices in New York state, your school's financial-aid office may be steering families to unnecessarily expensive options - and taking a cut from banks in return. Some advice on shopping for the best deal now:

Accept whatever grants, scholarships and work-study programs your school will throw at you, but don't jump at the loans that are part of the package. You can always come back and sign up for them if you don't find anything better.

Try other sources. It may be cheaper and easier to use a home-equity line, a second mortgage or a loan from your 401(k).

Shop for the best federally backed Stafford (for students) and PLUS (for parents) college loans. You can compare costs at www.simpletuition.com.

Look for more lenders at www.finaid.org/loans/educationlenders.phtml. Shop for a loan that comes with discounts, like a rebate of your origination fees or rate cuts if you agree to make payments on time. Discounts for borrowers who build a three- or four-year record of paying on time are nice, but not worth as much as they seem because they are delayed.

Get tough. If your school offers a preferred list of lenders, ask if those lenders are offering the best possible rates and discounts, and ask if the school is being compensated for the preferred listing. Find out just how complicated it would be if you borrowed elsewhere.

Use private education loans as a last resort, and get a cosigner. A student without a credit history or a cosigner can pay 14 or 15 percent interest on a private loan, says Kevin Walker of Simple Tuition. If a parent with a good credit score cosigns the loan, the rate would be closer to 7.5 or 8 percent.

Rethink the bottom line. Students can use the loan calculators at finaid.org to estimate what their postgraduation payments will look like. If it's unreasonable ($100,000 debt on a $30,000 salary should give you pause), consider cheaper schools for the first two years, a year off to work, pushing hard to graduate early or even living home and commuting. You'll be able to afford your own place when you're done.

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4.23.2007
Eons partners with Compete to deliver leading edge insights into online habits and passions

Industry Experts Join Forces to Address Growing Appetite for the Internet Among 50-Plus Boomers and Interest in This Growing Demographic From Advertisers

CHARLESTOWN NAVY YARD, BOSTON - April 23, 2007 - Eons, the 50-plus media company for loving life on the flipside of 50, today announced a partnership with online market research firm Compete, Inc., extending Eons' leadership position as an authority on 50-plus Americans at every age and stage of life.

"By combining forces and bringing each companies' 50-plus assets to the table - Eons' social networking and proprietary tools and Compete's industry-leading consumer database - we will create a fresh view of boomers' day-to-day behaviors," said Jeff Taylor, Eons founder and CEO.

"We will collect and document information around buying habits, time spent online and boomers' pursuit of their passions and interests. Ultimately, the goal is to begin to build a credible research base around the emerging power customer - the 50-plus consumer.

The partnership pairs the market research expertise of Compete with the domain experience of Eons, offering a powerful resource for 50-plus consumers and those marketers trying to reach them. Thanks to its ability to produce data that is both demographically specific and behaviorally relevant, Compete offers Eons a robust set of resources that enable the Web site to continue to offer the best of the Web to a curious, passionate and demanding generation of Americans.

"The Web is not just for kids. Last month, 44 million 50-plus U.S. netizens were online, with the income to back up their attention," said Don McLagan, CEO of Compete, Inc. "Compete will assist Eons in making the net more transparent and valuable to both the 50-plus consumers and the sellers who want to reach them."

Eons' partnership with Compete includes access to information that enhances Eons search tool, Cranky.com, the Web's first age-relevant search engine. Thanks to Compete data, Cranky.com users are able to view the top sites and site reviews across the most popular categories on the Internet, including travel, finances, health and more. Eons first teamed up with Compete prior to the launch of eons.com to analyze the most popular Web sites among an estimated 500,000 Web users over the age of 50. Based on this research, the first of its kind, the Cranky team reviewed the 5,000 most-trafficked Web sites for this age group, featuring highlights, deep links and a rating for each site. As part of the new agreement, Eons and Compete plan to issue findings, which will further highlight online boomer trends.

"Eons is opening up a world on the Web to 50-plus people by offering a platform and community where they can share experiences, expertise and inspiration," said Taylor. "And Eons grows more powerful as members engage with each other, create new relationships and share their interests. Our partnership with Compete enables us to connect with our members in ways that tell us how they want to go about using the Web to explore and impact the world around them."issue findings, which will further highlight online boomer trends.

About Compete

Compete, Inc., is the only online market research firm that creates value for both consumers and marketers. Compete's research is powered by millions of people who share their online behavior to create a more trusted, transparent and valuable Internet. Consumers use Compete.com to stay safe when they surf, save when they buy and discover the best new Web sites. Leading companies turn to Compete to understand how these consumers consider, buy and engage with their own and rival brands. Carlson Hotels Worldwide, Hyundai Motor America, Upromise, Verizon Wireless, DaimlerChrysler and other innovative companies rely on Compete's real-time insights to improve the return on their marketing investments. Compete is headquartered in Boston, Mass., with offices throughout the U.S. For more information, please visit http://www.competeinc.com.

About Eons

Eons is a 50-plus media company inspiring a generation of boomers to live the biggest life possible. Founded by Jeff Taylor, creator of Monster.com, Eons has attracted a team of renowned advisors and industry-leading partners and is backed by venture capital financing from General Catalyst Partners, Sequoia Capital, Charles River Ventures, and Intel Capital, as well as Humana, Inc. It is supported by corporate founding partners Harrah's Entertainment, Hyatt Corp., Humana, Inc., Liberty Mutual Group, Fidelity and Verizon Wireless. Eons is headquartered in Charlestown Navy Yard, Boston, Mass. For more information about Eons media, visit www.eons.com and www.cranky.com.

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4.23.2007
Banking and eCommerce Marketer Ron Sheklin Joins Compete, Inc.

Financial Services Practice Eyes Impact of Consumer Trends on Marketers

BOSTON - April 23, 2007 - Compete, Inc. a leading online consumer market research firm, today announced that it has named banking and e-commerce leader Ron Sheklin as general manager of its Financial Services practice. As consumers embrace new online and mobile financial services (FS), marketers recognize the critical need for in-depth industry analysis and new ways to engage with online customers. Under Ron's leadership, Compete is uniquely poised to offer financial marketers the compelling one-two punch of data-driven industry insights combined with a deep understanding of online trends and consumer behaviors driving the market.

Ron brings nearly two decades of experience in financial services, e-commerce, and consulting to Compete. At Compete, he will manage the marketing and online channel effectiveness strategies for Compete's banking, insurance, and investing clients, working with marketers to win, retain and grow profitable relationships.

Financial services marketers must continue to take cues from consumers, offering the latest online innovations and offerings which map to their lifestyle and demands, "Mobile banking and peer to peer lending are just two of the major consumer trends that we're keeping an eye on," said Ron Sheklin, general manager of Compete's Financial Services Practice. "With our deep domain expertise across several key markets, we are ideally positioned to offer FS marketers new ways to engage with online customers."

Prior to joining Compete, Ron was co-founder and COO of Partnerwise Communications, a specialty affinity and co-brand partnership marketing firm. Previously, he directed initiatives in lending, e-commerce, and retail deposits at Capital One Financial. Prior to that, Ron was a consultant with Corporate Decisions, Inc. and Mercer Management Consulting, delivering customer-driven growth strategies to Fortune 500 and private equity clients.

"Ron's strategic planning and e-commerce experience will help marketers at our client banks, insurance and investing companies better serve the needs of their customers," said Scott Ernst, vice president and chief client officer. "With extensive consumer focused strategy consulting experience, Ron is well positioned to drive the growth of the practice increasing customer acquisition and deepening client relationships."

A graduate of the University of Pennsylvania's Management & Technology Program, Mr. Sheklin holds a BS from The Wharton School of Business and a BAS from the School of Engineering and Applied Science.

Links and Resources:
Ron Sheklin bio and headshot: http://www.competeinc.com/about_compete/management/

Mobile Banking WebinarAn early look at the convergence of financial services and mobility
Thursday, May 3, 20072:00 P.M. Eastern U.S. Time

http://www.competeinc.com/FileDownload/Compete-Mobile-Banking-Webinar.html

Visit www.competeinc.com.

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4.23.2007
AT&T to Target iPhone to Enterprises

AT&T plans to market the iPhone to business users in addition to consumers, but analysts aren't so sure it's a good idea.

AT&T Inc. plans to market the iPhone to business users in addition to consumers but analysts aren't recommending that enterprises supply workers with the phones.


Cingular, which was acquired by AT&T, recently decided that the iPhone will appeal to business users and the operator is now working hard to ensure that its backend enterprise billing and support systems will accommodate the device when it ships, said a source familiar with the company's plans, who spoke on condition of anonymity.


An AT&T spokesman said he couldn't comment on the iPhone beyond when it will become available and its price. The phone is expected to become available in June. It will cost US$499 or $599 depending on the memory size. Initially, AT&T will be the exclusive provider of the iPhone, although other service providers are expected to eventually start selling it as well.

The idea of marketing the iPhone as an enterprise product baffles some analysts.

If AT&T announces that it will be marketing the phone to enterprise customers, "we'd be against it," said Ken Dulaney, an analyst with Gartner, who said he hasn't heard of such a plan from the operator. "We'd immediately tell our customers that'd be a very serious mistake."

No matter what kind of reputation a vendor has, if it's making its first phone, Dulaney would be unlikely to recommend it. "Building a phone is one of the most difficult things to do," he said.

Also, the iPhone is expected to have a number of shortcomings for business users, he said. For example, it doesn't have a removable battery. "You'd be crazy to buy without that," Dulaney said. The phone has multiple processors, which consumes more battery life than single processors, he said.

It also comes with a touch screen and no buttons, making it difficult for users to dial while driving, he noted.

He suspects that enterprises will likely decide against the iPhone for similar reasons that many decide not to standardize on Mac computers. Even if the iPhone is attractive, like the Mac, they'll choose BlackBerry or Windows Mobile devices because those have more software application options, he said.

That's one reason that Avi Greengart, principal analyst for mobile devices at Current Analysis, also thinks the iPhone won't be a good option for enterprise customers. Apple has said that the iPhone will run on an OS X-based operating system and told Greengart that enterprises won't be able to write applications for the phone, he said. "Companies like to extend corporate apps to the mobile space and in order to do that you need an open OS," he said. Mobile operating system developers like Windows, Symbian and BlackBerry enable third parties to write applications based on their software.


Since the iPhone isn't available yet, there's a chance that it could launch with applications that might appeal to business users, such as support for corporate e-mail, but Greengart said he'd be surprised if it did.

Without such corporate applications, enterprises would be buying their employees a device with plenty of storage for their digital music collections. "Could a company deploy this? They could but they'd be paying for storage and for something intended for use as a consumer device," Greengart said.

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4.18.2007
Apollo Enterprise Solutions Forms Strategic Partnership with Austin Logistics

Combined Solution Will Enable the Integration and Rapid Deployment of Custom and Consortium Collections Models

Irvine, CA - April 18, 2007 - Apollo Enterprise Solutions LLC, the leading provider of web-based payment and collection technology, announced today that it has entered into a strategic partnership with Austin Logistics, the leading provider of on-demand, customer-focused predictive analytics and business intelligence software solutions for account management and marketing, risk and collections. The combination of these two industry-leading technologies will allow clients engaged in collections across the debt life cycle to further enhance the effectiveness of Apollo's web-based Intelligent Debt Solutions (IDS) payment and collection system by providing the ability to integrate existing collection models, rapidly deploy custom or consortium-based models and integrate champion/challenger campaigns directly into the Apollo IDS system.

Jeff Dickey, Apollo's Executive Vice President of Sales & Marketing, commented, "By integrating historical account and payment information with real-time credit bureau data, Apollo's system presents customized payment or settlement offers to debtors over the Internet that are matched to our client's collection guidelines and each debtor's individual ability to pay. When we combine Austin Logistics' model deployment platform and custom modeling solutions with our technology, our clients will be able to integrate their established collection models, as well as develop and rapidly deploy custom modeling solutions. This enhanced capability allows them to leverage their existing investment, while creating even greater lift in their collection and recovery portfolios."

"Customers today need the ability to quickly respond to market changes with the assurance that they're making the best possible decisions," said Lee Martin, Austin Logistics' Vice President, Global Strategic Relationships. "Austin Logistics provides increased customer functionality via its Model Deployment Platform which is accessible to the Apollo clients throughout the collection lifecycle. This additive functionality will provide rapid model deployment via Predictive Modeling Markup Language (PMML) and advanced champion/challenger testing capabilities."


About Apollo Enterprise Solutions

Apollo Enterprise Solutions, LLC, headquartered in Irvine, California, provides enterprise-class web-hosted solutions for a variety of industries involved in receivables management and debt collections. At the heart of Apollo's Intelligent Debt Solutions system is the patent-pending IDS Decision Engine which provides Decisioning Intelligence, a revolutionary process that delivers more debtors for recovery and settlement and more dollars per settlement by creating individual, customized offers that reflect a debtor's most realistic ability to pay. For more information, please visit the website at www.apolloenterprise.com.

About Austin Logistics

Austin Logistics is the leading provider of on-demand, customer focused predictive analytic and business intelligence software solutions for account management and marketing, risk and collections. The company's inventive solutions anticipate customer value and behavior to drive more value from every customer interaction. Since 1992, the company's innovative solutions have helped many of the world's largest financial services, telecommunication, and retail companies to make proactive, profit-focused decisions that optimize actions in collections, risk and fraud, marketing and customer service. The company's ActionSelect solution was selected as one of the Top 100 Collection Technology Products for 2006 by Collection Advisor magazine. For more information, www.austinlogistics.com.

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4.10.2007
TransUnion to Deploy Austin Logistics' Collection Software Solutions

Move Brings Leading Collections and Treatment Optimization Solutions to Canadian Marketplace

Toronto, Canada and Austin, TX - April 10, 2007 - TransUnion and Austin Logistics today announced TransUnion will offer Austin Logistics patented OnQ and CallTech Collections Optimization solutions to its commercial customer base. In this preferred provider agreement, TransUnion will host the applications as a managed service and make the solutions readily available to its Canadian customers.

In addition, TransUnion also will integrate both the industry leading ActionSelect treatment optimization solution and Valeo, the company's broadly patented inbound call center value routing solution. By combining TransUnion's credit data with Austin Logistics call center management software, collection organizations can better focus their resources on the accounts most likely to deliver the greatest return.

"To give our customers the ability to make better business decisions with advanced decisioning, comprehensive data and modeling was the goal of this joint venture," said TransUnion's Derrick Breau, vice president sales and marketing. "OnQ and CallTech, market leading solutions, coupled with the depth of TransUnion's data and modeling capabilities, will help our customers achieve greater efficiencies and bottom line improvements."

This move is the first deliverable in a strategic partnership between the two companies to help Canadian companies positively affect profitability by reducing both collection and treatment costs as well as charge-offs and risk throughout the credit lifecycle.

"Allying with TransUnion, one of Canadian's most trusted credit information companies is a cornerstone in our market entry into Canada," said Lee E. Martin, Canada General Manager, at Austin Logistics. "The services they provide and the solutions we offer are a great combination to help customers in Canada get the most benefit from their technology spend around collections and risk."

For information about the new offerings from TransUnion go to www.TransUnion.ca. For information about Austin Logistics' upcoming annual Impact conference, "Customer Level Decisioning to Maximize Profitability Across Risk, Marketing and Collections," visit www.austinlogistics.com.

About TransUnion

As a global leader in credit and information management, TransUnion creates advantages for millions of people around the world by gathering, analyzing and delivering information. For businesses, TransUnion helps improve efficiency, manage risk, reduce costs and increase revenue by delivering vast, current data, analytics and decisioning. For consumers, TransUnion provides the tools, resources and education to help manage their credit health and achieve their financial goals. Through these and other efforts, TransUnion is working to build stronger economies worldwide. Founded in 1968 and headquartered in Chicago, TransUnion employs more than 4,000 employees in more than 30 countries on six continents.

In Canada, TransUnion is a leading provider of credit management solutions, including credit reports, credit scores and fraud services. The company's offerings are tailored to meet both the decisioning demands of Canadian businesses and the credit management needs of Canadian consumers. Local service and support is provided in the greater metropolitan areas of: Calgary, Charlottetown, Dartmouth, Edmonton, Moncton, Montreal, Rimouski, Saskatoon, St. John's, Toronto, Vancouver and Quebec City. Visit www.transunion.ca for more details.

About Austin Logistics

Austin Logistics is the leading provider of on-demand, customer focused predictive analytic and business intelligence software solutions for account management and marketing, risk and collections. The company's inventive solutions anticipate customer value and behavior to drive more value from every customer interaction. Since 1992, the company's innovative solutions have helped many of the world's largest financial services, telecommunication, and retail companies to make proactive, profit-focused decisions that optimize actions in collections, risk and fraud, marketing and customer service. The company's ActionSelect solution was selected as one of the Top 100 Collection Technology Products for 2006 by Collection Advisor magazine. For more information, www.austinlogistics.com.

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4.8.2007
College-loan scandal prompts need to search for alternatives

Should families who need to borrow money for college rely on their school's preferred list of lenders?

Historically, the vast majority have. But the widening college-loan scandal has raised questions about how lenders get on those lists. Was it because they offered the best deals for students? Or did they offer the best deals to schools and, in some cases, financial aid officers?

Some schools have accepted payments from lenders for placing their names on, at the top of or exclusively on their preferred-lender list for private loans.

Last week, after an investigation by New York Attorney General Andrew Cuomo's office, six schools agreed to return payments they had received for steering students to lenders, including Citibank of New York and Education Finance Partners of San Francisco. The money will be credited to students who had taken out private loans that generated those payments. The average refund will be $500 at the University of Pennsylvania and $60 at New York University.

Later in the week, Cuomo requested information from the University of Southern California, University of Texas and Columbia University about senior financial aid officers who owned stock in the former parent company of Student Loan Xpress. The company is, or was until recently, a preferred lender at all three schools. The three officers have been put on leave pending internal investigations.

On Thursday, it was revealed that Matteo Fontana, a senior official in the U.S. Department of Education, also owned stock in the former parent of Student Loan Xpress. Matteo oversees private-sector lenders that participate in the government's Federal Family Education Loan Program. He was placed on leave Friday.

Although most financial aid officers are dedicated people who do their best for students, these revelations highlight the importance of looking outside your school before choosing a loan.

The best way to borrow money for college is with a government-guaranteed Stafford loan (for undergraduate students), Plus loan (for parents) or Grad Plus loan (for graduate students).

Unless your school participates in the government's direct-lending program, you can choose any qualified private-sector lender for these loans.

For private or alternative loans, which are more expensive because they are not guaranteed, students can choose any lender, no matter what school they attend.

To narrow the options, most schools publish lists of preferred lenders for both government and private loans. They typically feature half a dozen lenders, but they might have only one. Students should always ask if the school is getting any type of payment or service from lenders on the list.

To get a loan, schools must certify that you are qualified. By law, schools can't refuse to certify a loan, nor can they cause "unreasonable delays," because you choose a nonpreferred lender. That said, many schools strongly discourage students from choosing a nonpreferred lender.

On its Web site, Wheaton College in Illinois says, "Parents who borrow from one of our preferred lenders experience fewer problems and delays than those who choose other lenders. The terms of federal PLUS loans are set by the government and there is little variation between lenders.

Because of this, it is very unlikely that a parent would owe less or be better served by borrowing from a local bank rather than one of our larger preferred lenders."

The University of North Carolina at Chapel Hill tells students on a form that if they choose a lender other than the school's sole preferred lender for Stafford loans, "there will be a six-week delay in the processing of your loan application" because it must be processed manually.

No official from either school was available for comment Friday.

Most schools say they recommend lenders based strictly on price and service. Some schools say they can get a special deal from preferred lenders because their alumni have stellar repayment rates. If you run into problems with a loan, you might get better service -- from the lender or your school -- if you use a preferred lender.

Despite the negative publicity, "the financial office in the vast majority of cases should be trusted and relied on as one source" of information, says Kevin Walker, president of Simple Tuition, an online college loan referral service.

But your search shouldn't end there.

A student who graduates with the typical $20,000 in debt and pays it off in 10 years can save about $1,000 on average by shopping around, says Mark Kantrowitz, publisher of FinAid (www.finaid.org).

Comparing college loans is a daunting task.

The government sets the maximum rate and fees on Stafford and Plus loans. The maximum today is 6.8 percent fixed for Stafford and either 7.9 percent or 8.5 percent fixed for Plus loans.

Starting July 1, the maximum up-front fees will be 2.5 percent of the loan amount for Stafford loans and 4 percent for Plus loans.

Many private-sector lenders will discount rates and fees, although the rate discounts usually require students to sign up for direct payments from their checking accounts and to make a minimum number of on-time payments. You can lose the rate discount if you make even one late payment, which is easy to do when you're fresh out of school and moving around.

For this reason, it's often better to choose a fee waiver or discount over a rate discount, unless you plan to pay off your loan immediately or are certain you'll never make a late payment.
Comparing private or alternative loans is vastly more difficult than comparing government-backed loans because the rates and fees vary widely. Virtually all private college loans are variable rate and are tied to different indexes.

Unfortunately, lenders are not required to follow a standard format when they calculate the annual percentage rate on a college loan, as they must with a home mortgage or credit card loan.

As a result, comparing APRs is not a useful tool for college loans.

Kantrowitz says he will introduce a calculator on FinAid in the next few weeks that will let students compare college loans on an apples-to-apples basis.

After checking out your school's preferred lenders, check out offers from competing lenders.

At http://www.simpletuition.com/, you can compare rates and terms from more than 20 lenders. Like most loan sites, it collects a fee from lenders that appear on the site, but it will at least provide a good comparison to your school's preferred lenders.

MyRichUncle is a newer company that provides no-strings-attached discounts on Stafford and Plus loans.

FinAid has an extensive list of lenders, including discounts.

Some states provide low-cost loan options for state residents no matter where they go to school and for out-of-state residents attending an in-state school, public or private.

If you have just received your financial aid package for next year, do not feel pressured to choose a lender now. "Most schools don't start certifying loan applications until June or July," says Kalman Chany, president of Campus Consultants.

You can submit a loan application at any time during the school year.

What families should be focusing on now is how much debt they should take on.

Over four years of college, dependent undergraduates can take out up to roughly $19,000 in Stafford loans and their payments will be roughly $200-plus a month, Chany says.

For most students, that's reasonable, he says. If their parents are not willing to help out, students should think long and hard before going into additional debt.

"If they were thinking about taking out private loans to go to school, I would say you should think seriously about going to a cheaper school" or a school that provides more financial aid, Chany says.

Kantrowitz offers this rule of thumb: "If you are borrowing more than your starting salary, you will find it difficult to make the payments."

Once you have determined how much you can borrow, shop around for the best loan.

"It's like anything else. The more cars you buy, the more dealers you visit, the more likely you are going to make a good deal," says Paul Wrubel, co-founder of TuitionCoach. "Use all the tools at hand. Keep your ear to the pavement, ask the colleges what their preferred lenders are, check them out. Ask them point blank, is there any kind of rebate to the colleges for recommending you?"

To learn more about preferred lender lists, see www.finaid.org/educators/illegalinducements.phtml.

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4.3.2007
Placemark Investments live with FIX Flyer online trading and allocation management

- Leading overlay manager experiences increased productivity -

New York, April 3, 2007 - FIX Flyer, a leader in Financial Information Exchange (FIX) trading solutions, announced today that Placemark Investments, the investment industry's largest independent provider of active overlay portfolio management services, has begun using FIX Flyer's online service for trading and allocation management.

Flyer technology is an advanced application of the FIX protocol, the globally recognized messaging standard for real-time electronic securities transactions.


FIX Flyer enables Placemark to use its own file formats simplifying trade integration into Placemark's proprietary investment management and accounting systems. Traders at Placemark stage and submit lists of orders by choosing an execution destination. Fills are allocated into potentially thousands of accounts using Flyer's powerful web application designed to minimize keystrokes and processing on the trader's desktop. Allocations are sent to the broker via FIX or custom formats and then translated back into Placemark's native processes.

"With FIX Flyer we've been able to significantly reduce our daily process time each day," said Richard Dion, Executive Vice President and Chief Operating Officer of Placemark Investments, which has offices in Dallas and Wellesley, MA. "FIX Flyer provides us with an automated, high speed, scalable trading solution."

One of the benefits to Placemark is that the new platform requires no software to be installed. FIX Flyer was able to create the hosted web allocations platform in four weeks. Replacing older client-server based technology, FIX Flyer enables Placemark to allocate accounts in a fraction of the time.

"We are very excited to deliver such productivity gains to Placemark," said Brian Ross, CEO of New York-based FIX Flyer. "Saving traders this much time allows them to pursue new opportunities and provide outstanding service to clients."

In addition to web application and integration, Flyer manages, certifies, and monitors FIX connectivity to Placemark's growing list of partners.

About FIX Flyer

Based in Tribeca, New York City, FIX Flyer was founded in 2003 by George Kledaras and Randy Prager, pioneers in developing advanced technology for managing high-volume, multi-asset institutional securities trading using the FIX Protocol. FIX Flyer provides zero-install and fully hosted web applications to manage algorithmic trading and fund allocations for new breed portfolio managers. The Flyer Engine is the first FIX server designed to manage high volume, ultra-low latency trading networks and ECNs for scaling to thousands of connections. Visit www.fixflyer.com for company information and to download Flyer for free. FIX Flyer is a member of the FIX Protocol LTD, the industry led standards organization.

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4.2.2007
Compete Expands with Launch of New Telecommunications & Media Practice

Expanded focus helps marketers navigate convergence, consolidation and connected consumers

Boston, MA - April 2, 2007 - Compete Inc., the leading online consumer market research firm, today announced the expansion of its wireless practice and the promotion of Adam Guy to general manager. Drawing upon its market-leading position working with carriers, MVNOs and handset manufacturers, Compete will extend its offerings to help a broader set of companies in the telecommunications and media industries. As consumer demand and usage for more personalized content and services continue to increase, Compete is well-positioned to partner with telecommunications and media companies to help them win, keep and grow customers more effectively.


According to data from Compete, consumers want "anytime, anywhere" communications and entertainment - the ability to connect with content and people independent of technology or location. This surge in interest for on-demand content and streamlined services has created a lucrative, yet intensely competitive market for telecommunications and media marketers. Competition is heightening as AT&T consolidates the Cingular brand, and as Comcast and Verizon battle for sole ownership of a household's voice, wireless, data, internet and entertainment spending.

Because of these dynamics, major telecommunications and media companies such as EMBARQ and Microsoft are turning to Compete's data and expertise to help plan and measure the impact of their marketing campaigns, use the online channel to acquire and upsell customers, defend their customer base from competitive encroachment, and design and launch new products to meet consumers' evolving needs.

"We are leveraging Compete's insight into consumer behavior to better understand how to acquire and service our customers," said Doug Freeman, director of eCommerce at EMBARQ. "We expect Compete's deep domain expertise will help EMBARQ achieve our business objectives in 2007 and we are excited about this partnership."

"As consumers go beyond traditional access channels for their digital communications and media, it will be critical for providers to understand how they are considering all of these services," said Adam Guy, general manager of Compete's Telecommunications and Media practice. "Compete's ability to analyze the entire purchase cycle will empower our clients to grow and optimize their consumer share of mind."

Adam Guy brings deep domain experience and high visibility in the telecommunications industry to his position as general manager of the telecommunications and media practice. In this new role, Adam leads a team of sales, product marketing and client services professionals to create and deliver new products based on comprehensive consumer and competitive intelligence. Prior to this new role, Adam served as managing director of Compete's industry-leading wireless practice. In addition, Adam has worked at InfoTek Research, The Strategis Group, GTE and at the Yankee Group where he focused on wireless carriers and their approaches to distribution, pricing, market segmentation and enabling technology platforms.

Read more about the telecommunications and media practice

About Compete

Compete, Inc. is the only online market research firm that creates value for both consumers and marketers. Compete's research is powered by millions of people who share their online behavior to create a more trusted, transparent, and valuable Internet. Leading companies turn to Compete to understand how these consumers consider, buy and engage with their own and rival brands. Carlson Hotels Worldwide, Hyundai Motor America, Upromise, Verizon Wireless, DaimlerChrysler and other innovative companies rely on Compete's real-time insights to improve the return on their marketing investments.

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4.1.2007
HACC, Central Pennsylvania's Community College Signs on to Use Higher One's Onedisburse Refund Management

73 Higher Education Institutions Now Using Higher One's Services Enabling Students to Receive Money Faster And With More Refund Choices

New Haven, CT - April 2007 - Higher One, a technology-driven financial services company serving higher education, announced today that HACC, Central Pennsylvania's Community College has signed an agreement to implement Higher One's OneDisburse Refund Management improving the disbursement of refunds to their students. HACC will begin using the service effective August of this year.

"HACC is extremely excited to be working with Higher One," said John Eberly, Assistant Controller. "Our partnership with Higher One will enable us to provide our students with better customer service. By allowing the students to select the method of refund disbursement that is most convenient to them we have been able to get the refunds to the students faster and with flexible options, while at the same time reducing administrative costs and subsequently freeing up staff to concentrate on other student-focused initiatives."

Higher One's OneDisburse Refund Management streamlines the entire disbursement process in which all disbursements and reconciliation are managed electronically and customer service needs are handled directly by Higher One. As a result, HACC will benefit from the elimination of time-consuming functions, paper checks and errors while realizing significant cost savings throughout the organization. As part of the service, students will also be able to choose how they receive their refunds including the option to open a HigherOne OneAccount, a free FDIC insured checking account linked to a OneCard Debit MasterCard.

"We are pleased to be providing HACC with a program that offers significant cost savings for the institution as well as more choices for students," said Dean Hatton, President & CEO, Higher One. "The higher education community is quickly embracing solutions such as Higher One's OneDisburse as colleges and universities nationwide look to improve their student services and decrease administrative costs."

With this signing, 73 colleges and universities in the U.S. have now signed on to use Higher One's services. Since September 2002, Higher One has managed the disbursement of $2.2 billion for its client institutions totaling more than 1.6 million transactions. In that time period over one million students, faculty, and staff at these institutions have used Higher One's services through their ID or refund card.

About Higher One

Focused exclusively on higher education, Higher One provides Refund Management to higher education institutions and banking services to members of their community through a card based solution. Higher One's integrated solution helps it's clients reduce administrative costs, streamline business processes, create new revenue streams, increase student customer service and strengthen the campus community. Higher One's OneDisburse provides students with more choices and better services for receiving financial refunds and payroll. Higher One also offers a suite of banking services called OneFinanceSM, which includes the OneAccount, a no minimum balance, no monthly fee checking account with the OneCard, a Debit MasterCard for ATM withdrawals and purchases, and exclusive features such as "Send Money", Easy RefundSM, and Campus AutoLoad. The OneFinanceSM and OneDisburse solutions can be integrated with the institution's ID card or provided through a separate "refund only" card.

To date, Higher One has disbursed $2 billion dollars in refunds for its clients. More than 600,000 students, faculty, and staff at distinguished public and private higher education institutions use Higher One's services through their ID or refund card.

About HACC, Central Pennsylvania's Community College

HACC serves more than 18 thousand degree-seeking students in a ten county region in Central Pennsylvania. In addition, the college serves more than 35 thousand students in its workforce development and community education programs. The college operates campuses in Harrisburg, Lancaster, Lebanon, Gettysburg and York as well as a rapidly growing virtual campus for online courses and a number of off-campus community sites. As Central Pennsylvania's Community College, HACC provides degree and diploma programs in more than 154 fields.

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