Direct Insite provides cloud-based financial supply chain automation tools for accounts payable and accounts receivable. Their presentation highlights their blue-chip customer base, global supplier network, recent growth, and cash flow positive position. They discuss opportunities in further automating the market and monetizing their supplier network, as well as growth objectives over the next few years such as introducing new products and exploring acquisitions.

1. Direct Insite Corp. (DIRI)
Investor Presentation – September 2013

2. Safe Harbor Statement
Some of the statements made in these materials may be forward-looking in nature. If you want to understand the risks
associated with such statements, please review our filings with the SEC.
All material contained in this presentation is the sole property and copyright of Direct Insite Corp. with all rights
reserved. Certain statements, which are not historical fact, may be considered forward-looking statements that involve
risks and uncertainties. Forward-looking statements include statements regarding future business results; future sales
and profitability; customer demand; and industry and economic conditions. Various factors could cause actual results
to differ materially from what is set forth in such forward-looking statements. These factors are set forth in our SEC
filings. All are cautioned not to place undue reliance on these forward-looking statements as the Company does not
undertake any obligation to release publicly any revisions to these forward-looking statements to reflect future events
or circumstances, or to reflect the occurrence of unanticipated events.
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3. Company Background and Highlights
• SaaS model leader in financial supply chain AP and AR automation tools
• Blue-chip customer base: IBM, HP, Siemens, St. Gobain, Citibank, Shell Oil, Hyatt.
• Global vendor network of 300,000+ suppliers
• Corporate restructuring in May 2011 – reconstituted Board and new management
• Since restructuring, announced 11 new customer wins and moved from revenue
declines to double digit revenue growth
• Cash flow positive with net balance sheet cash of $1.5M and $27M in legacy NOLs
• 60+% insider ownership
• TTM revenues of $9.3M
• Robust M&A environment valuing private peers at up to 5.1x TTM revenues (average
is 3.3x)
• Industry tailwinds favor move to transformation & automation
• Continued growth opportunity with addition of new customers, new products, network
monetization, and selective acquisitions
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4. Significant Global Vendor Network
Direct Insite Corporation
Copyright 2009
Confidential & Proprietary
4
Direct Insite Supplier Network:
350,000+ Suppliers Transacting over $127 Billion Annually
4

5. Opportunity – Customer Benefit
• Direct Insite provides cloud-based,
ERP agnostic solutions that automate
AP and AR invoice processes for
Fortune 3000 companies.
• Customers reduce costs, cycle time,
and improve
vendor/supplier/customer
satisfaction.
• Customers can eliminate call center
inquiries on invoices and reduce
human “touches”.
• Customers can increase/decrease
DSO’s by using a technology solution
in coordination with a financing
partner.
5
Source: Gartner AR Study
Invoices On-Line™ Accounts Payable and Accounts Receivable Automation

6. Opportunity – The Market
• In the Fortune 3000, only 40% have implemented automation tools.
• Even those large companies with automation suffer from multiple legacy
ERP systems with inconsistent automation capabilities requiring rework.
Direct Insite estimates market is only 10% penetrated.
• 90% of global companies manually enter invoice data and pay invoices
with $30 trillion of paper checks.
• Global regulation, anti-money laundering, and tax requirements
accelerating move to electronic record keeping.
• Technology’s use in supply chain financing in its infancy.
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Conclusion: Automation will happen, not an “if”. The land grab has begun.

7. Primary Offering, Model, and Service
7
Invoices On-
Line™
AP and AR
Automation
Invoice/PO
Workflow
Processing
Payment
Processing with
Financial Partners
Dynamic
Discounting
Scan/Capture
Business Model Highlights
• Cloud-based SaaS business model
o No hardware or software capital expense
o No IT resource burden
• Integration with any ERP or legacy system
• Ability to accept any invoice, in any format, from
any source
• Manage boarding process and supplier
migration from paper to electronic
• Transaction-based pricing
Customer Profile
• Invoice volume >10K per month
• North American or global operations
• Fortune 3000 with large shared-service centers
• Multiple legacy financial/ERP systems
• Inability to capture payment discounts
• Payment card industry compliance issues
• Initiatives underway to eliminate paper,
streamline costs, improve customer/supplier
processes
Direct Insite Automates Financial Supply Chain Management

8. Product Roadmap
8
Invoices On-
Line™
Core Data
Processing
Services
Network Value and Monetization
Invoice/PO
Workflow
Processing
Payment
Processing with
Financial Partners
Dynamic
Discounting
Scan/Capture
Supply Chain Financing
Regulatory/Compliance
Monitoring
Business Intelligence
Current offerings
Company Profile
Management
Network
Participation
with Partners
Spend
Management
New Products Automate Compliance, Financing, and Intelligence

9. Business Goals
 Automate AP invoice processing
 Reduce inquiries from suppliers
 Improve relationships with suppliers
 Save money
Business Results
 Reduced Costs – Reduced average cost to process an invoice by 24%
 Improved Staff Efficiency – Receives 73% of its invoices electronically
and posts payments for 63% of its invoices without operator intervention
 Increased Productivity – Reduced work flow time from a more than four
days to less than 12 hours for electronic invoices and less than 2.5 days
for paper invoices
 Enhanced supplier relationships – Reduced supplier inquiries by 67%
“Invoices On-Line has proven to be an effective tool in the transformation
of our Accounts Payable automation initiatives with a goal of reducing
paper handling, invoicing costs and supplier inquiries.”
Roderick Fields, GSS NA Director of Disbursement Services
Customer Profile:
• Shared services environment
for the global powerhouse
• Supports more than 50
Siemens business units
• Processes over 2.4 million
invoices per year
• 60,000 suppliers
• 5,000 internal users
Siemens Global Shared Services Case Study
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10. Business Goals
 Automate AR processing.
 Enhance customer service.
 Improve overall invoice processing efficiency.
 Reduce Day’s Sales Outstanding (DSO).
Business Results
 Reduced Costs – Reduced paper invoices by 75%, slashing the cost
per invoice on these items from between $600 - $1,500 per invoice to
less than $25 per invoice
 Improved Staff Efficiency – Reduced invoice disputes by 65 percent
 Reduced DSO – Reduced DSO by approximately four days, resulting in
a $50 million increase in treasury cash available and $4 million in annual
savings in interest expense on these DSO funds
 Enhanced supplier relationships – Customer satisfaction with IBM’s
invoicing process jumped from 27% to 72% within six months of
implementation
Customer Profile:
• 100 year-old company with
approx. $100 billion in
revenues
• Generates millions of invoices
each year across over 100
countries and 15 languages
• Selected Direct Insite’s IOL
platform to provide: Web-based
line item presentment; dispute
management; attachments
IBM Case Study
10

11. Customer Wins and Implementations
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Announcement Customer Description Implemented Current Revenue*
July 2011 Multinational manufacturer of lighting products Yes Yes
August 2011 Chain of auto supply stores Yes Yes
August 2011 Global building products manufacturer Yes Yes
October 2011 Multinational IT services provider Yes Yes
November 2011 Global branded grocery products manufacturer Yes Yes
May 2012 Global hospitality corporation In process No
September 2012 Manufacturer of aviation components In process No
September 2012 Human resources consulting firm In process No
December 2012 Supermarket chain In process No
January 2013 Debt settlement organization Yes Yes
April 2013 Tier 1 global bank In process No
* Customers currently contributing revenue as of July 2013, most may not be at full run rate.

12. Financial Highlights
12
7.8
8.0
8.2
8.4
8.6
8.8
9.0
9.2
9.4
Q4 11 Q1 12 Q2 12 Q3 12 Q4 12 Q1 13 Q2 13
TTM Revenues ($M)
Note: FY 2011 and Q1 2012 revenues exclude pass through 3rd party scanning revenues from a client that ceased scanning services in January 2012.
0.4
0.6
0.8
1.0
1.2
1.4
1.6
Q4 11 Q1 12 Q2 12 Q3 12 Q4 12 Q1 13 Q2 13
Cash Balance ($M)
Customer Wins Providing Current Growth Growing Cash Balance for Future Flexibility

13. Adoption & Key Metrics
13
4
4.5
5
5.5
6
6.5
7
7.5
2011* 2012* Q1 13 Q2 13
Invoices Processed (millions)
0
50
100
150
200
250
300
350
400
2011 2012 Q2 2013
Vendors on AP Network (thousands)
* 2011 and 2012 Invoices Processed are quarterly averages
Over 350,000 vendors… Processed over 7.2mm invoices in Q2 2013

14. Company Strengths and Obstacles
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Strengths
• Recurring revenue business model
• Robust and growing sales pipeline
• Transparent, shareholder friendly management
• Big spending from venture-backed startups to evangelize the market
• New products coming & functional extensions to existing product suite
• Robust and growing vendor network and plan to monetize
• Automation is a given, financial supply chain will be automated
Obstacles
• Lengthy sales cycle of up to two years
• Post contract execution, lengthy implementation timeline of up to a year+
• Venture backed startups creating noise and inflating expectations of potential
sellers
• Monetizing the network without endangering core franchise

15. Growth Objectives and Timeline
15
2012
• Invest in direct sales force, channel, and building a sales culture
• Standardize product offerings to facilitate future new product
introductions and cost efficiencies
• Add new customers and drive usage amongst existing base
2013-2014
• Develop and introduce new products to sell to new and existing base
• Identify, target, and become part of toolkit for additional channel
partners
• Identify new markets and applications for the company’s technology
(debt settlement)
2015
• Create value from the “network effect” in valuable supplier network
such as supply chain financing and compliance management
• Explore opportunistic acquisitions to expand vendor supplier network
Revenue Growth Target
10%+
Achieved
10%+
10%+
Company goal is to reach and exceed 30% top line growth by 2015.

16. Conclusion
Why invest in DIRI now?
• Aggressive, focused management team that is revenue goal-oriented and
shareholder friendly
• Marketing, lead generation, and sales team producing largest pool of new
customer opportunities in company history
• Trading a lower multiple to peers, but with stronger core customers and
offerings
• As tax and additional regulation move into the US (starting with healthcare),
incumbency is critical for long term and significant growth
• Industry is fragmented and will continue to consolidate, own a benchmark
company in the space today with upside tomorrow
• No debt with accumulating cash
• Opportunity to enter into the space with public company visibility, Fortune 3000
customer list, and a growing Global Vendor Network with several revenue
opportunities growing out of the core business!
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17. Matthew Oakes
President & CEO
matthew.oakes@directinsite.com
631-873-2932
www.directinsite.com
Contact Information

18. Supply Chain Finance Automation M&A
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Larger networks are consolidating invoices, customers, and supplier networks.
Date Acquirer Target
Revenues
(in M)
Price or EV
(in M) EV/Revenues
2010 Ariba Quadrem 65 150.0 2.3
2011 Ariba b-Process 11 35.0 3.2
2012 Basware CertiPost 8.4 18.2 2.2
2012 Basware First BusinessPost 2.4 12.2 5.1
2011
Bottomline
Technologies
Logical
Progression/IDT 1 2.9 2.9
2011
Bottomline
Technologies DDL 3.5 10.9 3.1
2013 Readsoft Expert Systems 13 40.0 3.1
M&A Average 14.9 38.5 3.3
6/30/2013 Direct Insite 9.3 20.6* 2.2
* Closing price as of 8/14/13
Note: excludes venture financings at similar or higher multiples