The Credics Payment Service Hub PSH An Innovative and Flexible Platform

1. The Credics Payment Service Hub (PSH) An Innovative and Flexible Platform

2. Agenda PSH Concept Credics Overview Credics Architecture and PSH implementation

3. “…Building the Next Generation of Banks' Payment Architecture…” “Building a new payment architecture will bring strong business benefits. This will strengthen client retention by improving the customization of payment services, and by supporting payment information value-added services (PIVASs)” Gartner Publication Date: 13 April 2009 ID Number: G00165791 “Many banks and processors are re-evaluating all aspects of their card payment operations, including applications, processing centers, strategic sourcing and network brand choices. Card management software that does not support the principles of the payment services hub (PSH) should be avoided” Gartner Publication Date: 28 July 2009 ID Number: G00168380

4. PSH Concept Centralized rule-based engine for all payments Component-Based payment architecture Message processing and creation of payment objects Payment object processing which based on the business process management (BPM) Clearing and settlement Payment delivery and client services

5. PSH Architecture Account Management Product Management Tran. Processing Clearing & Settlement Loyalty Programs Reconciliation

6. PSH Benefits Common language among line-of-business managers, CIOs, heads of payments and payment architects to define payment architecture visions PSH will significantly reduce human-intensive costs and errors The benefits of building a PSH aren't only operational. The PSH enables new product and service development

7. The Old Way vs. the CREDO Way

8. Agenda PSH Concept Credics Overview Credics Architecture and PSH implementation

9. Company Snapshot Established in 1999 The Credo PSH Platform was launched on 2005 Headquartered in Israel European operational office based in Bucharest, Romania U.S. Advisory Board of Industry Experts Customers worldwide and across sectors Management Team - Combined industry experience of over 60 years in card and payment processing Gartner recommendation as component-based solution

11. Tailor-Made Solution to uniquely fit EACH client

12. Modules List Credo Coresys –Complete End-to-End Configurable Platform for Financial Transactions Processing and Accounts Management Credo Advantage Issuing – Full Issuing Functionality Credo Advantage Acquiring – Acquiring and Merchant Management Credo Payment Gateway - Advanced Payment Gateway Platform Credo Club – Marketing-Oriented Module for Loyalty Programs Credo Smart – State-of-the art EMV & Smart Card Solution Credo Authorize IT - Advanced Authorization System Credo Fuel & Fleet – Sophisticated Platform for Fuel Station and Fleet management

13. Targeted Sectors Financial Institutions Banks, Saving, Loans, Credit Unions, Processors, Micro-Finance Billing Issuing Acquiring Transaction Processing Fuel & Vehicle Fleet Management Vehicle Fleet and Fuel Card Management system Retailers Billing Issuing Acquiring Transaction Processing e-Commerce

14. Agenda PSH Concept Credics Overview Credics Architecture and PSH implementation

15. Credo’s Unique Design

17. Typical Implementation

18. Credics Framework

19. Technology Platform Options (Unix, Linux, Win) Advanced technology (Java, Oracle, Web) Distributed Solution (Authorization & Billing) Scalability (Oracle RAC) Availability (Oracle Data-Guard) Reports (Crystal, Oracle Reports) Backup and Restore mechanisms

20. What Can we do for our clients? End2End portfolio Processing services Reduction of admin and operation costs Lowers the initial investment Increase Card Usage Increase in turnover and market reach Increased Profitability per Card/Merchant Increased Marketing Effectiveness Fast Customer Acquisition Helps track customers' spending habits Increased Customer Loyalty

21. Questions?