Press Release:

RESTRUCTURING OF CAPITAL MARKETS WILL FORCE BUY-SIDE FIRMS TO REASSESS HISTORICAL RELIANCE ON WALL STREET BROKERAGES
Date: September 22, 2008

Exhibit Title: Eight Ways That the Wall Street Upheaval Will Impact Buy-Side Firms (2008)

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Press Release:

TOWERGROUP: DEMISE OF LEHMAN AND SALE OF MERRILL TRIGGERS MASSIVE RESTRUCTURING OF CAPITAL MARKETS
Date: September 17, 2008

Exhibit Title: Global Large Capital Markets Firms by Market Capital (March 3, 2008 vs. September 15, 2008)

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Press Release:

LESS THAN ONE-THIRD OF US BANKS READY TO MEET "RED FLAGS" IDENTITY THEFT PREVENTION COMPLIANCE DEADLINE ON NOVEMBER 1, 2008
Date: September 08, 2008

Exhibit Title: US Banking IT Spending on Demand Deposit Account (DDA)-Related Fraud Management by Type (2005–12)

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Press Release:

TOWERGROUP: U.S. FINANCIAL INSTITUTIONS WILL SPEND OVER $1 BILLION ON ONLINE BILL PAYMENT SOLUTIONS BY 2010
Date: August 26, 2008

Exhibit Title: US Online Bill Payment Expedited Payments Forecast: Revenue and Transactions (2008–12P)

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Press Release:

TOWERGROUP: MOBILITY POISED TO RESHAPE CROSS-BORDER REMITTANCE MARKET
Date: August 12, 2008

Exhibit Title: US Mobile Banking Consumer Adoption and Associated Drivers (2007–12P)

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Press Release:

AS 'UNBANKED' POPULATION GROWS, FINANCIAL INSTITUTIONS MUST DEVELOP NEW APPROACHES AND PRODUCTS FOR UNDERSERVED MARKETS
Date:July 29, 2008

Exhibit Title: Segments of the Credit Underserved Market in the United States (2008)

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Press Release:

US CHECK VOLUMES WILL DECLINE TO 17.9 BILLION TRANSACTIONS BY 2009, BUT WILL REMAIN MAJOR PAYMENT TYPE DUE TO BUSINESS USE
Date:July 23, 2008

Exhibit Title: US Payment Volume and Value by Type (2003 vs. 2006)

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Press Release:

TOWERGROUP EXPECTS GLOBAL ISLAMIC "CREDIT" CARD MARKET TO GROW TO SIX MILLION ACCOUNTS BY 2012
Date:July 18, 2008

Exhibit Title: Three Credit Card Schemes Accepted as Shariah Compliant (Global) (2008)

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Press Release:

TOWERGROUP: ORDER MANAGEMENT SYSTEMS TO CONTINUE ON STRONG GROWTH TRACK THROUGH 2012
Date:July 9, 2008

Exhibit Title: Global Spending on Buy-Side Vendor OMS Software Licensing and Maintenance (2002-12P)

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Press Release:

RETAIL BANKS MUST REDEFINE ROLE OF TELLER TO MEET CUSTOMER DEMAND AND ACHIEVE OVERALL COST SAVINGS

Date:July 8, 2008

Exhibit Title: US Bank Branches' Customer Transactions by Type (2006-10)

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