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TMCNet:  CALIBRUS, INC. - 10-K - MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS

[April 16, 2012]

CALIBRUS, INC. - 10-K - MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS

(Edgar Glimpses Via Acquire Media NewsEdge) Certain statements in this Report constitute "forward-looking statements." Such forward-looking statements involve known and unknown risks, uncertainties and other factors that may cause our actual results, performance or achievements to be materially different from any future results, performance or achievements expressed or implied by such forward-looking statements. Factors that might cause such a difference include, among others, uncertainties relating to general economic and business conditions; industry trends; changes in demand for our products and services; uncertainties relating to customer plans and commitments and the timing of orders received from customers; announcements or changes in our pricing policies or that of our competitors; unanticipated delays in the development, market acceptance or installation of our products and services; our ability to repay our debt obligations; changes in government regulations; availability of management and other key personnel; our ability to raise additional capital and the availability and terms of such capital, if available; relationships with third-party equipment suppliers; and worldwide political stability and economic growth. The words "believe", "expect", "anticipate", "intend" and "plan" and similar expressions identify forward-looking statements.


Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date the statement was made.

27 -------------------------------------------------------------------------------- Critical Accounting Policies and Estimates The preparation of financial statements and related disclosures in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the amounts reported in the audited Financial Statements and accompanying notes. Management bases its estimates on historical experience and on various other assumptions which are believed to be reasonable under the circumstances. Actual results could differ from these estimates under different assumptions or conditions. Calibrus believes there have been no significant changes to accounting policies and estimates made during the year ended December 31, 2011. Calibrus believes that the following represents Calibrus' most critical accounting policies.

We recognize revenue in accordance with FASB ASC 605-10-S99, Revenue Recognition (formerly "SAB 104"). Under this guidance revenue is recognized at the point of passage to the customer of title and risk of loss, when there is persuasive evidence of an arrangement, the sales price is determinable, and collection of the resulting receivable is reasonably assured. Our customers are charged either on a per call basis or per minute basis according to the terms of the contract and the service provided to that customer. Live agent TPV customers are generally charged on a per call basis which is defined as a call that is answered by the Company's agent. Call recording services are charged on a per minute basis for the length of the call being recorded.

The Company from time to time executes outbound sales campaigns for customers, primarily for the sale of telecommunications services. Although this revenue source has been immaterial, the Company recognizes the commissions earned on these campaigns on a net basis in accordance with FASB ASC 605-45 Reporting Revenue Gross as a Principal versus Net as an Agent. The Company is not currently operating any outbound calling campaigns.

Our allowance for doubtful accounts is maintained to provide for losses arising from customers' inability to make required payments. If there is deterioration of our customers' credit worthiness and/or there is an increase in the length of time that the receivables are past due greater than the historical assumptions used, additional allowances may be required.

Stock-Based Compensation. The Company has stock-based compensation plans.

Stock-based compensation expense for all stock-based compensation awards granted after January 1, 2006 is based on the grant date fair value estimated in accordance with the Black Scholes Pricing Model. The value of the compensation cost is amortized on a straight-line basis over the requisite service periods of the award (the option vesting term).

Assumptions used in the Black Scholes Pricing Model to estimate compensation expense are determined as follows: · Expected term is determined using an average of the contractual term and vesting period of the award; · Expected volatility of award grants made under the Company's plans is measured using the historical daily changes in the market price of similar industry indices, which are publicly traded, over the expected term of the award; · Risk-free interest rate is equivalent to the implied yield on zero-coupon U.S.

Treasury bonds with a remaining maturity equal to the expected term of the awards; and, · Forfeitures are based on the history of cancellations of awards granted by the Company and management's analysis of potential forfeitures.

We account for income taxes in accordance with FASB ASC 740 (formerly SFAS No.

109). Under this guidance, deferred tax assets and liabilities are measured using enacted tax rates in effect for the year in which the differences are expected to reverse. Deferred tax assets will be reflected on the balance sheet when it is determined that it is more likely than not that the asset will be realized.

28 -------------------------------------------------------------------------------- The Company capitalizes certain software costs in accordance with FASB ASC 350 40 Internal-Use Software. The JabberMonkey website was under development through November 2010 and reached availability for general commercial use in December 2010. Capitalized costs will be amortized over the estimated economic life of the product which is estimated to be 3 years. Amortization expense for the year ended December 31, 2011 was $917,164.

On December 31, 2011 the Company reviewed the carrying value of its capitalized software development and decided to record an impairment against the remaining value. This determination was predicated by the fact that the Company currently lacks sufficient funds to actively market the product. Given the lead time necessary to market the product, develop a client base and generate a revenue stream, it could not generate sufficient cash flows to offset the remaining two years of its estimated life. Therefore, management determined that an impairment was justified at this time. The Company recorded impairment expense of $1,757,898 related to this impairment.

Management's Discussion and Analysis of Financial Condition and Results of Operations Third Party Verification market size has been shrinking over the last four (4) years. Calibrus' business has been severely impacted by industry consolidation and increased competition. The telecommunications industry has been experiencing consolidation between the major Incumbent Local Exchange Carriers (ILEC). Over the past decade the major telecommunications players have been Verizon, SBC Communications, BellSouth Communications, AT&T, Sprint, MCI, Adelphia Communications and Qwest Communications. In the past three years SBC Communications acquired AT&T and Bellsouth Communications. CenturyLink and Qwest have merged. Adelphia Communications and MCI are no longer in business. The remaining players are Verizon, AT&T, Sprint and Frontier. The result is that the number of potential Calibrus ILEC/ TPV customers has declined and may shrink even further over the next several years, reducing the overall TPV market size even further.

Calibrus' overall business has also been affected by increased competition from Wireless, Cable and Broadband Industries which have reduced revenue and market share for our business. For sometime the ILEC's have been experiencing tremendous pressure in their core business offerings (Local and Long Distance phone service). Wireless, Cable and Broadband companies are impacting the way in which customers are buying communication services. VOIP is also beginning to add to existing pressures on the Telecommunications companies' revenue growth and creating upward pressures on capital spending. In order to fight the increased competition the ILEC's are reinventing their business models by expanding their offerings from Local and Long Distance phone service. ILEC's are providing a multi-service offering, i.e. Local and Long Distance phone service, Broadband, VOIP and TV services to their customers. ILEC's have just begun to incorporate a business strategy of "bundling" services, where a service provider includes DSL service, Cable or Satellite TV along with Telephone or VOIP services all at discounted rates. This is a proven strategy designed to increase revenue per customer, promote customer loyalty and increase retention, making it more difficult for customers to switch to another company. It is clear to us that our TPV volume will continue to decrease due to increased competition from service providers offering multiple services to customers.

Our contract with AT&T expired on December 31, 2009. We signed two short-term contract extensions with modified pricing through March 2010. On April 8, 2010 the Company signed a new contract with AT&T. The contract sets forth our pricing terms and provides the conditions on which we are to provide service to AT&T including that our services are deemed performed when provided. AT&T renewed the contract for a one year period in 2011. The renewal included a 2.5% pricing discount per the terms of the original contract signed in 2010. The Company also signed a new contract with Frontier Communications in May of 2011 which was done in conjunction with Frontier's acquisition of 13 Verizon state landline operations.

With the decline of the TPV market, Calibrus is looking to penetrate new markets with its products and services. Over the next twelve (12) months Calibrus will be focusing on more Automated Hosted Business Solutions that require little to no labor involvement. Calibrus' management strongly believes in trying to significantly reduce one of its highest costs, its Live Operator workforce. Industries that we have targeted for our Automated Hosted Business solutions are the Insurance, Internet, Real Estate, and Financial Industries. Automated Hosted Business programs while typically generating less top line revenue tend to have significantly higher margins. Going forward, Calibrus plans to focus its time and efforts into pursuing these types of products and services that shall return a higher margin than what we are able to achieve from Live Operator programs.

29 -------------------------------------------------------------------------------- The Company did generate positive cash flow from the TPV and hosted call recording operations for the year ended December 31, 2011.

It is anticipated that additional hardware and software may be required, as well as additional employees, particularly software programmers and web developers, may be needed in order to complete certain products and services. We believe within the next twelve (12) months in order to further develop, implement, market and sell Automated Hosted Business services we will need to raise additional capital. We currently anticipate it will cost an additional $1,000,000 to successfully market our new product. This is only an estimate and may change substantially as we move forward with our new products. Additionally, with the current economic conditions facing the country, we may have to raise more funds if we are not able to generate sufficient revenues from the new and existing product lines. There can be no assurance that we will be able to raise any funds or that the funds raised will be sufficient to cover ongoing expenses.

With the launch of JabberMonkey in 2010 and Fanatic Fans in 2011 we will begin to focus more time and capital on the social networking side of our operations and ancillary offerings related to software development and marketing related to social networking. We believe this will take an increasing amount of our management time and financial resources, but believe it offers long term opportunities that the Hosted Business Solutions does not offer.

The Company has no acquisition plans at this time.

Results of Operations December 31, 2011 For the year ended December 31, 2011, we had revenues of $3,563,265 compared to revenues of $3,745,876 for the year ended December 31, 2010, a decrease of 4.87%. The reduction in revenues is the result of less third party verification work available as the telecommunication industry continued to consolidate and our overall call volumes continue to decline. Year over year call volumes related to our largest 5 customers decreased by 2.01% from 2010 to 2011. Since we currently represent some of the largest telecommunication companies, we do not believe we will see a significant increase in revenues from this source. Accordingly, we are actively expanding our product offerings to leverage our core technology and capabilities to cover other needs of businesses. Since these efforts to expand our products and services have only recently begun, we cannot say if we will be successful in bringing in additional revenues.

Over the last two years we have been successful at reducing our core operating expenses to better match our current revenue stream and signed new contracts or contract extensions with existing customers that provide for higher pricing as discussed above. As such, out cost of revenues, as a percentage of sales have remained consistent at 36% over the last two years. Research and development expense for the year ended December 31, 2011 was $1,472,113 as compared to $232,327 for the year ended December 31, 2010. This increase was the result of the Company capitalizing costs related to the development of its JabberMonkey.com website through November of 2010. Substantially, all research and development expenses in 2011 related directly to the Fanatic Fans mobile application. General and administrative expenses for 2011 remained largely flat when compared to 2010. On December 31, 2011 the Company reviewed the carrying value of its capitalized software development and decided to record an impairment against the remaining value. This determination was predicated by the fact that the Company currently lacks sufficient funds to actively market the product. Given the lead time necessary to market the product, develop a client base and generate a revenue stream, it could not generate sufficient cash flows to offset the remaining two years of its estimated life. Therefore, management determined that an impairment was justified at this time. The Company recorded impairment expense of $1,757,898 related to this impairment. Interest expense for the year was significantly higher, primarily due to increased interest related to the Company's convertible debentures and the inclusion of $2,735,189 in conversion expense related to the conversion of the debentures. The Company will likely see large reductions in interest expense for the year ended December 31, 2012 as the Company reduced its debt as a result of the conversion of $1,540,000 of debt to equity.

30 -------------------------------------------------------------------------------- The Company had negative cash-flow from operations of approximately $1,033,172 for the year ended December 31, 2011. With the exception of research and development expenses related to Fanatic Fans, the Company would have generated positive cash flow from operations for the year ended December 31, 2011 of approximately $439,000 (unaudited). This is indicative of the Company's success in stabilizing the TPV business even given the downturn in volumes and revenues through increased pricing and higher volumes of IVR services. The Company believes that it is in a position to dramatically reduce or eliminate its R&D expenses and cash flows attributable to its social networking projects at any time and operate in a cash flow positive state if needed.

Seasonality and Cyclicality We do not believe our business is cyclical.

Liquidity and Capital Resources As of December 31, 2011 we had cash on hand of $11,065 and negative working capital of $824,196 with current assets of $551,072 and current liabilities of $1,375,268.

Our working capital as of December 31, 2011, decreased from negative working capital of $1,692,763 at December 31, 2010, largely as a result of conversion of existing debt to equity. However, the Company continued to invest resources into the development of our social networking product offerings. We have been working to reduce our dependence on third party verification revenues by expanding our product offerings and generating alternative revenue sources. This expansion has increased our usage of capital. From December 31, 2011 through April 4, 2012 the Company has received an additional $45,000 in short-term advances from the Company's CEO.

The Company believes it is in a position to dramatically reduce or eliminate expenditures related to its JabberMonkey website and Fanatic Fans mobile application if the need arises or the Company is not able to raise additional capital to fund these projects. Research and development expense related to the projects for the year ended December 31, 2011 totaled $1,472,113. With the exception this expense, the Company would have generated positive proforma cash flow of approximately $439,000 (unaudited).

Although we have been expanding our product offerings, which have increased our need for capital, we have also reduced our long term expenses by reducing the amount of rentable square feet in our current location. We were also able to reduce expenses through a reduction in our workforce. We are hopeful these changes along with our new product offerings, which are not as labor intensive, will allow us to return to profitability, but can offer no assurances in this regard.

As we try to expand our product offerings, we will need to seek additional capital. As of April 4, 2012, we believe we have sufficient capital to fund operations for the next 12 months based on our current cashflow from operations and management's expectation of its ability to raise additional capital and reduce expenses related to our social networking projects. Management intends to raise additional capital either through an equity or debt placement to help expand our marketing efforts and to be able to aggressively market our new product offerings, including JabberMonkey and Fanatic Fans. We have estimated our capital needs based on the potential revenues from existing clients and our current burn rate over the previous months as we continue to investment money in the development of our social networking projects. Our monthly burn rate is averaging $50,000 beyond our cash receipts as of April 4, 2012. We have been able to fund these negative amounts through cash flows from our existing core business and through the financing of $1,575,000 via the issuance of Debentures through October 31, 2011. The Company has received an additional $45,000 short-term advance from its CEO through April 4, 2012. We anticipate that expenditures related to the development of JabberMonkey and Fanatic Fans will be further reduced and focus more on maintenance and improvements to the developed product as well. However, we will need to increase expenditures in marketing to successfully attract users to both products. Our revenue figures may not come to fruition given the current economic conditions in the United States and the world in general. If we have revenue short falls, we may have to reevaluate our ability to survive unless we have additional revenue sources on line. This may cause us to curtail or cease development and marketing expenditures related to our social networking projects. There can be no guarantee our new products will increase revenues or that we can achieve profitability before our assets are depleted.

31 -------------------------------------------------------------------------------- We estimate we will need an additional $1,000,000 in capital to cover our ongoing expenses and to successfully market our new product offerings. This is only an estimate and may change as we receive feedback from customers and have a better feel of the demand and revenues from our new products. Our estimates assume that prior discussions with interested potential customers will lead to sales and that we will be able to maintain current revenue figures and gross profit margins, although we can offer no assurances in this regard. With the current economic conditions, both of these factors may change and we may not be able to raise the necessary capital and if we are able to, that it may not be at favorable rates.

Given the current state of Calibrus and our revenues, we do not believe bank financing will be feasible and if we need additional capital it will be in the form of an equity or debt offering. To this end, management has made the decision to position Calibrus to be more attractive to investors, particularly angel investors.

Off-Balance Sheet Arrangements We have no off balance sheet arrangements.

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