ONLINE DISPUTE RESOLUTION

Introduction Cybersettle is the premier global provider of

technology enabled on-line dispute resolution solutions

Cybersettle’s Patented 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

How It Works Users wanting to settle a claim on-line go to

our website…

Web Browser http://www.cybersettle.com

How It Works  Log on with their username & password OR

create a new account…

Web Browser http://www.cybersettle.com

Username:

Password:

Create a new account

LOGIN

jadjuster

**********

Web Browser

How It Works Specify the opposing party to the claim…

NEXT

Opponent’s Name:

Opponent’s Email:

Opponent’s Fax:

http://www.cybersettle.com

Robert Attorney

rattorney@email.com

212-555-1212

Web Browser

How It Works Provide some basic claim information about

the claim…

NEXT

Claim Number:

Date of Loss:

Type of Claim:

http://www.cybersettle.com

Claim#12345

5-12-2009

Bodily Injury

Web Browser

How It Works And enter 3 offers of settlement for the claim,

one for each round of the process.

NEXT

Round 1 Offer:

Round 2 Offer:

Round 3 Offer:

http://www.cybersettle.com

$ 13,000

$ 14,000

$ 15,000

Web Browser

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.

NEXT

Round 1 Offer:

Round 2 Offer:

Round 3 Offer:

http://www.cybersettle.com

$ 13,000

$ 14,000

$ 15,000

How It Works Once submission is complete, the system

immediately notifies the other party by fax, email, or telephone.

Responding to a Claim Upon receiving notification, the opposing

party goes to the Cybersettle website to access the claim…

Web Browser

NEXT

http://www.cybersettle.com

Access Code:

Welcome to Cybersettle

123456789

Web Browser

Responding to a Claim An overview of the claim as well as terms and

conditions of participation are displayed.

NEXT

Claim Number: Claim#12234

Date of Loss: 5-12-2009

Opponent: John Adjuster

I agree to the terms and conditions of this

site

http://www.cybersettle.com

X

Responding to a Claim After reviewing the claim information, the

opposing party enters up to 3 demands.

Web Browser

SUBMIT

Round 1 Demand:

http://www.cybersettle.com

$20,000

Web Browser

We’re sorry, your demand of $20,000 did not settle this claim.Please try again.

Responding to a Claim Each demand will be compared against the

corresponding offer for the round.

SUBMIT

Round 2 Demand:

http://www.cybersettle.com

$17,000

Web Browser

We’re sorry, your demand of $17,000 did not settle this claim.Please try again.

Responding to a Claim No numbers are revealed. The system

compares the offers and demands in the blind, keeping them strictly confidential.

Round 3 Demand:

http://www.cybersettle.com

$14,000

SUBMIT

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

Congratulations! Your case settled for $14,500!

Responding to a Claim

Round 3 Demand:

http://www.cybersettle.com

$14,000

SUBMIT

If the responding party does not reach a settlement, several options are available.

Web Browser

We’re sorry, your case did not settle.

Responding to a Claim

http://www.cybersettle.com

What would you like to do next?

• Resubmit this Claim

• Request a Facilitator

Responding to a Claim The responding party can resubmit the

claim and enter 3 new demands.

Web Browser

NEXT

Round 1 Demand:

Round 2 Demand:

Round 3 Demand:

http://www.cybersettle.com

$ 17,000

$ 16,000

$ 15,000

Responding to a Claim The other side will then respond with up to 3

new offers and attempt to reach a settlement.

Web Browser

NEXT

Round 1 Demand:

Round 2 Demand:

Round 3 Demand:

http://www.cybersettle.com

$ 17,000

$ 16,000

$ 15,000

Responding to a Claim Alternatively, either side can request a

facilitator to assist in the negotiations

Web Browser

We’re sorry, your case did not settle.

http://www.cybersettle.com

What would you like to do next?

• Resubmit this Claim

• Request a Facilitator

Responding to a Claim

Web Browser http://www.cybersettle.com

Facilitators contact both parties directly and help them settle the claim.

Hi! I’m Janice, the Cybersettle facilitator assigned to your claim.

“”

Responding to a Claim

Web Browser http://www.cybersettle.com

They are extremely effective at getting both sides to compromise, without revealing the other party’s numbers.

Great news! I just spoke to the other side and they are willing to lower their demand!

“

”

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