“Single Window” The solution to operating with international money transfer systems in the single interface

1. “Single Window” The solution to operating with international money transfer systems in the single interface Anna Kucher Head of Sales Department Financial Service Bureau Kiev, 20May 2011

2. Key competences • 1996 The ProFIX company was establishedas a company specialising in development, implementation and support of software solutions for banks and corporations • 2000 Obtaining the statuses of Oracle Business Partner, Microsoft • Business Partner • 2002 Obtaining the status of and organisation of SWIFT Service Bureau • Organisation of the CRM unit • 2004 Launch of the FlexCubethe project (consultancy, integration) • Foundation of the MoneyGram Service Bureau • 2006 Foundation of the Financial Service Bureau (Servicing banks through the international money transfer systems, AMLsolutions) • Obtaining the status of EastNets Gold Business Partner • 2006 Foundation of the IBM Competence Centre • 2007 Consultancy and implementation ofTemenos solutions • Obtaining the status of Microsoft Gold Business Partner • Obtaining the status of SWIFTReady Services Label • 2010 Servicing over 250 banks and 30 corporations in 12 countries

3. Funds transfers • Active development of the MoneyGram system: • The global networkcovering 191country • Over 233,000agent locations across the globe • Over 27,000agent locations in the CIS countries • Russian-speaking call-center with toll-free numbers for customers and agents • Sberbank of Russia – • Strategic partner of MoneyGram in the RF • Over 8,500 operating outlets of Sberbank all over Russia • MoneyGram is the only money transfer system represented in the bank • The average monthly growth(YOY) of the number of transactions in the region is +23%

4. Funds transfers • Sending transfers from Ukraine in two currencies: • EUR, USDin 3Q 2011 • The operators loyalty programme • Advertising campaigns for the Ukrainians in the major sending countries

5. Payment systems and services • Connection and servicing the international money transfer systems: • MoneyGram • RIA • UNIStream • Contact • Zolotaya Korona • Blizko • Anelik • Xpress Money • Coinstar • Migom • Intel Express • Connection and servicing the operators: • Kyivstar • МТС • Beeline • Life • PeopleNet • CDMA • Intertelecom • Volia, Viasat • Webmoney

6. Authorities of Financial Service Bureau • Development and support of the Single Window software solution • Granting access to the Agent and Subagent Systems • Connection and maintenance of participants of the Systems • Enabling various connection methods (web-browser, web-services) • Providing consultations in Ukrainian, Russian and English • Conducting training sessions

7. Клиентская сеть Клиентская сеть Our customers

8. Increase in the number of Point-Of-Sales, 2005-2010

9. Number of transactions, 2005-2010

10. Connection scheme

11. SingleWindow functionality • Key features • Sending and dispensing a transfer • Cancellation of a transfer • Preliminary estimation of transfer costs • Review of the list of transfers • Search for a transfer by its number, sender’s/recipient’s details • Additional features • Multi-layer structure of the bank • Issuing different types of financial statements • Support of the customer database • Setting limits at the levels of a subagent, points-of-sale • Multi-language interface support • Localisation in accordance with the local legislation

12. New projects • Single access (login, password) • Single administration • Consolidated statements • Сквозной over limits set for individual customers (the NBU) • Consolidated setting of and control over subagents’ limits(risk management)

13. Integration projects • Integration with ABS: • Temenos • FlexCube • SC Ltd • Soft Review • Special projects: • Computer Inter Service • Qsystems • Projects tailored to separate Agents: Bank of Georgia, VTB Georgia, TaoPrivatBank, Kredobank, Khreschatyk, Ukreximbank, Oschadbank,   PrivatBank, Inficare

14. Advantages of the solution • Specialised center. Connection to the Systems through a leased software and hardware complex of Service Bureau. • Single technology. The interface for accessing different international money transfer systems and systems for acceptance of payments in favour of different mobile operators is easy-to-use and easy-to-understand at the intuitive level. • Implementation simplicity. The simplest connection method is organisation of a direct access through the Internet. Upon doing which, there is no need in installation and further use of additional software and equipment in the agent locations of the system. • Integration possibilities.The possibility to integrate with software solution of third developers (integration with ABS or own money transfer system of the bank). • Support Center. Consultancy and technical support in Ukrainian, Russian and English. Regular updates of software and hardware complex on the side of the Service Bureau in compliance with the rules and requirements of Systems. • Additional features. The advanced range of tools for issuing reports, including those implemented in accordance with the legislation requirements, the feature for setting limits on sending and receiving transfers at the level of outlets, as well as the possibility of embedding additional functionalityby individual requests of the bank.

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