Retail Decisions Plc.

Sushmito Ghosh is the Executive Vice President of Business Development for Retail Decisions, Inc. (ReD USA). Ghosh is responsible for the management and development of partners, resellers and strategic alliances for ReD's PRISM proactive risk management and fraud detection solutions. Previously, Ghosh was President of Nestor Inc.'s NestorCommerce division where he was principally responsible for the launch and growth of the PRISM product line. He has an in-depth knowledge of predictive, pattern-recognition technology and has developed neural-network models for machine vision, on-line character recognition, mortgage portfolio analysis and securities trading. Ghosh holds a Masters Degree in Ocean Engineering from the University of Rhode Island and has over 15 years of experience in the financial services industry. He has co-authored a number of scientific papers and technical publications.

Before joining ReD, Mark was European General Manager of Hemscott plc where he was responsible for delivering outsourced e-business information solutions to investment banks, auditors, head-hunters, stockbrokers and blue chip companies. Prior to Hemscott plc, Mark spent 12 years with Texaco UK as Retail Director and Texaco, Inc. as Global Marketing Director.

Paul joined Retail Decisions in 2005 following the acquisition of FuelServ, now known as ReD Fuel Cards (Europe). Appointed Managing Director in 2002, Paul has some 12 years' experience in the European fuel card industry. Previously Paul has worked in transport services industry, operating in various senior sales and marketing positions. A Chartered Marketer, Paul has an MBA from Kingston Business School.