Banking & Financial Solutions

1. Hasibat Information Technologies Co. K.S.C.C. Banking & Financial Solutions Visit us at www.hasibatit.com

2. Hasibat Information Technologies Co. (HIT) • HIT was established in May 2004 as a Kuwaiti closed shareholding company with a capital of One Million Kuwaiti Dinars • Began providing IT solutions and services in Kuwait & the region in 1983 under the name of Kuwait Computer Company (Hasibat) • Hasibat was the First Publicly-Traded IT Company listed in Kuwait Stock Exchange • Continues to grow in all directions • Revenue • Number of staff • Products & Markets • Strategic Vision and Mission

3. Our Vision “To be the pioneer in providing IT solutions & services in the region”

4. Our Culture • Strong emphasis on Customer Satisfaction, Individual Initiative, Continuous learning and the pursuit of excellence. • Minimum bureaucracy which results in faster and better service for our customers.

5. Why HIT Strong History and Well Established Foundation Business Know-how Delivering Performance The Right Solution Unique Professional Services Distinguished Proven Methodology Long-term Relationship with Customers High Quality Project Management On-going Support Leading Industry Partners Skilled and Certified Team Understanding Market Needs

6. Banking & Financial Solutions Retail Banking Wholesale Banking ATM Transaction Switching POS Transaction Switching Card Management System Card Fraud Management Smart Card Solutions e-Payment Gateways Internet Banking M-Commerce Data Warehousing Anti-Money Laundering Portfolio Management Brokerage & Internet Trading EBP & P Swift Web Kiosks Workflow Cash Counting Machine Document Archiving

7. Retail Banking Highlights • Multi-Lingual/Multi-Currency • Current & Savings Accounts • Deposits • Consumer Loans • Signature Verification • Funds Transfer • Standing Instructions • Electronic Messaging • Workflow Management • Customer Information System • General Ledger • Management Information System • Risk Management

8. Wholesale Banking Highlights • Management Information Systems • Risk Management • Check Clearing • Nostro Reconciliation • Loans & Loan Syndications • Letters of Credit & Guarantees • Foreign Exchange & Money Market • Cash & Liquidity Management • Asset Management • Derivatives • Securities management • Fixed Assets Management • Expenses Processing

9. ATM Transaction Switching Features • Handles all transaction routing, switching and authorization • 24/7/365 operation through fault tolerant hardware • Most widely used EFT transaction-processing product in the world. ATM transaction set supported: • Fast Cash ( Multi Currency/ Multi Account ) • Cash Withdrawal • Balance Enquiry • Mini & Full Statement • PIN Change • Transfer (own account & third party) • Check Book Request • Statement Request • Utility payments

10. POS Transaction Switching Features • Handles all transaction routing, switching and authorization • 24/7/365 operation through fault tolerant hardware • POS transaction set supported: • Normal Purchase • Pre-Authorization Purchase • Pre-Authorization Completion • Merchandise Return • Balance Inquiry • Adjustment (Purchase) • Adjustment (Merchandise Return) • Adjustment (Cast Advance) • Adjustment (Cash Back) • Purchase with Cash Back • Cash Advance

11. Card Management System Highlights • Allows processing for multiple institutions • Approved by Visa and MasterCard • Offers integrated support for debit, prepaid debit, pre-authorised debit, deferred debit, credit and multi -function cards. • Ensures card association mandate compliance with regular software updates • Presents an easy-to-use graphical user interface (GUI) • Enables users to access any and all data in the system to create reports

12. Card Fraud Management Benefits • Fraud risk management solution provides state-of-the-art fraud monitoring & detection tools. • Recognize transaction behavior, identify fraud faster and reduce losses. • Fraud risk management solutions combat all types of fraud including online and offline debit cards, credit cards, merchant, e-commerce and money laundering. • Complies to Visa and MasterCard requirements.

13. Smart Card Solutions Highlights • Provides various solutions to help organizations harness the power of smart cards. • Enables management of multifunction cards to supporting transactions initiated with EMV-compliant smart debit and credit cards. • Provides support for key management, personalization, real-time management of applications and profiles.

14. e-Payment Gateway Highlights • Provides comprehensive support for consumer e-payment transactions, including credit, debit and chip cards. • Supports consumer authentication and authorization processing • Provides flexible switching and routing to major networks, card associations and processors • Uses industry standard technologies, such as C++, Java, XML • Supports multiple communication protocols • Supports new e-commerce delivery channels, including the Internet, PDAs and mobile telephones.

15. Internet Banking Highlights • Comprehensive support for PC/Kiosk/ browser based digital television • Presentation layer provides tailored branding for customer groups • Flexible branding using standard web tools • Delivery of bank-owned and third party products and services • Flexible transaction sets • Web language flexibility through XML • Multi-level authorization • Support for both retail and corporate banking needs

16. M-Commerce Highlights • Offers a comprehensive suite of components: • transaction authorization & routing • account management • merchant settlement • online registration • risk management • transaction warehousing and analysis • Improves service and business information and operations, including gateways to the Internet • Interfaces to call centers and account authorization systems

17. Data Warehousing Highlights • Enterprise-wide large data warehouse solutions in the financial industry • Application Neutral Open Platform • Multi-OLAP server support • Integrated with Data Modeling Tool and repository • End-to-End solution for Information Management • Integration of all diverse vendor tools, under one security shell • Component based architecture • Automated aggregation & OLAP loading • Pre-configured Business Solution Packs • Integrated Metadata control center

18. Anti-Money Laundering Highlights • Allows organizations to react quickly to emerging fraud • Pulls data from all payment and account types for a complete view of account activity • Captures and maintains statistical data on queue status reviewer and model performance • Interoperates with an existing authorization system • Operates on a wide range of platforms

19. Portfolio Management Highlights • It comprises of bank portfolio, issuer portfolio and customer portfolio • The module supports the following corporate actions: • Settlement (Money as well as security) • Bonds • Interest coupon payment • Redemption • Maturities • Calls • End of trading • Warrants • Equities • Dividend payment • Bonus • Rights (Tear-off, exercise, expiry)

20. Brokerage and Internet Trading Highlights • Off-the-shelf front-end securities trading System • Retail brokerage operations • Click & Brick delivery models • Cross boarder operations • Multiple instrument trading • Multi-lingual operations • Client Account & Portfolio Maintenance • Interface with other market participants • 24 predefined reports • Current & historical reporting

21. EBP & P Highlights • Supplies an end-to-end solution for statement delivery, bill delivery and bill payment • Interoperates with other systems via open industry-standard technology • Provides online Web access to current and past statements and bills • Allows simple system management with components integrated into a single command and control administration interface • Tracks statements and bills with patent pending technology

22. Swift Features • Message Transformation & Repair • Real-time Routing and Distribution • Liquidity Monitoring • Message Work Flow Monitor • Message Persistence and Archiving • Duplicate Message Detection • ACK/NAK control, delivery notifications • Broadcasting Facilities • Store-and-Forward Processing • SWIFT XML Library - full syntactic and semantic • Validation of SWIFT messages

23. Web Kiosks Kiosk Hardware Platform • Base Unit (Mother board with PIII 800 MHz Processor and on-board LAN) • 30 GB FAST IDE Hard drive; 256 MB RAM • High performance video card • Windows 2000 Operating System • 18" / 20.1” TFT LCD Screen • SST Watchdog Card/Screen RGB Sensor • A4Thermal Printer/112mm receipt Printer • MicroTouch IntelliTouch Panel/Micro Touch,ToughTouch Panel Vandal resistant touchscreen • Card Reader DIP/Motorized 3 track & SmartCard RW • Telephone Handset Vandal Resistant

24. Web Kiosks Kiosk Hardware Platform • Modems/Smart UPS • Full colour customisation – standard unit 106 grey color • Enhanced Sound System • ISDN Card • Proximity Sensor • Document Scanner 300x600 dpi 3.5 x2 – 8.5x14” • Signature Capture Pad 1 x 5” capture pad with pen • Kiosk application development/management software

25. Workflow Highlights • Enable customers to graphically design workflow processes. • Automate & extend internal application to a web based environment. • No programming, scripting or macros required for development & deployment • Rapid application development and deployment. • Cross platform browser-based clients. • Application server runs on NT server or window 2002 server. • Suite developed in and uses familiar technology like Visual C++, Visual Basic, Java, Active X, HTML and XML.

26. Document Archiving Highlights • Electronically store and organize all kinds of documents, statements, advices, letters, faxes, legal documents, contracts, etc. • Extremely simple installation, usability and administration • Integrated full-text retrieval • Tamper-free document security • Integrated client-server database based on MS SQL-server • Annotations and individually created stamps – signature stamps • File cabinets on CD and DVD • COLD Support • Full text indexing

27. Cash Counting Machine Features • Counts coins loose/Bagged,Notes Loose/ Bundled and tokens • Allows starting balance/float • Minus key, Plus key, Clear subtotals key and clear total key • Two line display • Auto add/auto scroll function • Splash proof keys • Battery or mains operated • Link to PC or printer • Built in carry handle

28. HIT Financial Services Banking Sector • Program / Project Management • Product Consultancy • Technical and Business Consultancy • Computer Room Design and Implementation • IT Strategy Study • Help Desk • Hardware Maintenance and Support • Network – Active and Passive Components (3Com/CISCO) • Custom Application Development (offshore)

29. HIT Financial Services Banking Sector • HRMS (Personal & Payroll system) • Disaster Recovery implementation • Compaq/HP Servers and PCs • IVR/Speech enabled automated telephone operator (English/Arabic voice recognition) • Network Security/Firewall/Anti-virus solutions • Intrusion detection & ethical hacking • Smart Building – IP Telephony • IT & Non-it Manpower supply

30. HIT - Banking Solution Partners Oracleis a high-performance leader in enterprise applications, development tools, HRMS and Financials for businesses seeking competitive advantage through superior technology. Synergy Financial Systems Ltd. specializes in the provision of systems support & the development of financial application software involved in the automated funds transfer & S.W.I.F.T. operations domain. Hewlett-Packard Company is a leading global provider of products, technologies, solutions and services to consumers and business; IT infrastructure, personal computing and access devices. Viztel Solutions is a leading technology provider for Wireless and Voice Applications. Viztel's unique technology offering transcends across various wired and wireless channels. Network Associates is a leading supplier of security and availability solutions for e-business.business units-PGP Security, Sniffer Technologies, Magic Solutions and McAfee (anti-virus). 3Com is a worldwide leader building networks that linked people and enterprises into this new world of commerce and communications. Ultimus is a pioneer in the development of flexible end-to-end workflow platforms that allow companies across industries to realize enhanced revenues through improved worker productivity.

31. Thank You !