1.5 Preferred SDLC Method …1

1. 1.5 Preferred SDLC Method …1 Inception Entry Criteria: Signed contract Approved Detailed Functional Specification document or Proposal Identification of Polaris’ Manager and Project Team Tasks: Project Kick-off Establish Infrastructure - Polaris is already SOFINCO ready in terms of Infrastructure. Only additional desktops would be mobilized Prepare Project Management Plan Verification: Review and approval with Senior Management User ID with appropriate access for team members of the project. Review of assumptions and constraints from the Customer Review of Project Management plans (configuration management, communication, schedule and efforts, resources) Exit Criteria: Approved Project Management Plan Signed off DFS from SOFINCO

2. 1.5 Preferred SDLC Method …2 Analysis and Design Entry Criteria: Approved Project Management Plan Detailed Functional Specifications (SFD) document from SOFINCO. Tasks: Create Low Level design documents for Payment Order Database and migration of ADP data Technical Specifications Online MAP Layouts Report Layouts Database design document Indentify Gaps in the DFS and validate with SOFINCO through Validation calls and Clarification Log Verification: Review of Low level Design documents by Polaris and Client Exit Criteria: Approved Low Level Design documents – Technical Specification, Online MAP Layout and Report Layout by SOFILEAD Approved Database Design Documents by SOFILEAD

3. 1.5 Preferred SDLC Method …3 Construction : Entry Criteria: Approved Low Level Documents and Sign-off design phase Availability of Development and Test Environment - IBM Mainframe Z/OS with Natural, COBOL and DB2 database Test Data from existing system Tasks: Prepare Program Specifications and Unit Test Plan Develop programs and other system components Perform Unit / Component Testing – Functional Deliver to QC – Build, Unit Test Results Summary Verification: Review of Program Specs and UTP Code Review Independent Unit Testing, causal analysis for identified defects Project Management Reviews Exit Criteria: Independent Tested Components (Interface and Migration Programs)

4. 1.5 Preferred SDLC Method …4 System Integration Testing and User Acceptance Testing Entry Criteria: Unit Tested application components Tasks: Perform System Integration Test on the Application and Interface programs. Review and fix all issues identified during SIT Stage SIT completed components for UAT Provide the technical support to User Acceptance Test. UAT performed by SOFINCO at onsite. Verification: Verify SIT test reports with client Review and fix all issues of SIT and UAT Exit Criteria: Test Results, Successful testing execution Sign-Off on UAT by client

5. 1.5 Preferred SDLC Method …5 Production Implementation and Support Entry Criteria: UAT sign-off UAT completed components from UAT stage for production roll-out Tasks: Prepare and execute the Implementation Plan for Live Post Implementation Support Sign-off by client Verification: Review Implementation Plan by client Post Implementation Review by Polaris and client Exit Criteria: Customer Sign-Off for production Roll-out by client

6. 3.0 Risks & Mitigation Plans

7. 4.0 Effort Estimation

8. 5.0 Resource Loading Sheet

9. 6.0 High Level Timeline and Milestones Weeks

10. 7.0 Proposed Engagement Model & Communication Proposed Engagement Model Sofilead Polaris Senior Management, Sponsors Senior Management (AD / Executive Sponsor) Technology Domain Delivery Relationship Program Manager(s) Polaris Onsite Service Delivery Manager Project Team Project Manager Polaris Offshore Team Business Users PM & SQA Subject Matter Experts Project Lead Senior Developers

11. 8.1 Change Management Scope The initial estimation calculated on the basis of the received documents from SOFINCO, which were macroscopic in nature, is liable to undergo changes during the Design phase in case of any major scoping change. Sign-off will be obtained after successful completion of each phase and the signed off documents will serve as benchmark for any future modifications to the system. In case any changes to the initial scope occur during the Analysis and Design phase, then Polaris will carry out a re-estimation and mutually agreed upon by the two parties will be considered as the total initial cost of the project. In case of reception of requests for changes during the TS phase, Polaris will apply the same estimation grid as used for the initial estimation and will propose revised charges and schedule to the customer. The same is applicable for the Coding or Testing phase also. Fixing of defects would be Polaris responsibility and would be done free of cost. All changes are to be agreed upfront and signed-off by both parties to avoid any confrontation at a later stage.

12. 8.2 Change Management and Estimation In case any changes to the initial scope occur during the Design phase, up to 5% of initial design effort would be accommodated with out any re-estimation of cost. But schedule impact would be considered and time line revised. In case of reception of requests for changes during the TS phase, any changes of cosmetic in nature on MAP layout and Report layout up to 5% of the effort would be accommodated free of cost. Any impact to design would require re-estimation of cost and time line. In case any changes received during Testing stages, minor or major, Polaris will carry out an impact analysis and propose a new schedule and effort.

13. 9.0 The Polaris Value DifferentiatorsPartner of Choice for SOFILEAD Knowledge Coverage Efficiency • Super Specialization Services: Financial Services is our ONLY vertical • Over 25 years of experience working with financial firms in delivering market innovation • Structured domain skills – Over 2 years plus experience with Credit Agricole Group institution on SW development and Support • Strong Mainframe Technology Practice built around the needs of Financial domain • Offshore development service for SOFILEAD group on Mainframe Technology – with niche skills like TELON, INFOPAK, NATURAL, PACBASE, SAS, BI (SUNOPSIS) • Dedicated team of members with process knowledge of SOFILEAD • Cost efficiency built into the partnership model • 99% on-time delivery with high quality of deliverables • Well documented check lists to cover norms of applications as well as coding standard • Internal tools developed using REXX for accurate impact analysis Flexibility SOFILEAD Ready • Intense focus - eager to partner • Nimble - Right sized and with high level of senior management focus on SOFILEAD relationship • Quick resource ramp-up facility • Support of niche and rare skills available in a shorter time frame • Willing to invest into key initiatives • Strategic preferred vendor for offshore development over two years • Infrastructure readiness to take up new projects with zero time lag • Mainframe connectivity through dedicated VPN network with 100% Business Continuity Plan. • Established and proven process model for SOFILEAD • Customized Estimation Grid for SOFILEAD

14. 10.1 Metrics in focus @ Polaris Effort Related Duration Related Size Related Defect Related • Effort Variance • Cost of Quality(CoQ) • Cost of Poor Quality (CoPQ) • Earned Value • Cost Performance Index • Average Effort to close requests • Schedule Variance • Schedule Slippage • Schedule Variance across phases • Schedule Performance Index • Average Turn Around Time • Size Variance • Productivity • Project Delivery Rate • Defect Density (in FP and KLOC) • Construction phase Error Density • Residual Defect Density (in FP and KLOC) • Review Efficiency • Phase Containment Efficiency • Defect Removal Efficiency • Problem Closing Ratio

15. 10.2 Continuous Process Improvement At the core of the Quality management System, are the project level activities, facilitated and monitored by SQAs. All SQA findings are discussed at project review meetings and corrective action fed back into the system. Data across projects is rolled up for organizational review and incorporated into process improvement

16. 10.3 Customer Satisfaction in the Engagement The following are the salient features of the Customer Satisfaction Process: Formal feedback initiated/invited for all projects at major milestones / once in six months An Independent entity within the company analyses the feedback and initiates action items with delivery units for managing customer expectations better. Action planning for resolution of issues, and closure with customer Causal analysis and prevention of issues in future Organization of account management structure for better alignment with customer needs and strengthening of relationship. Polaris has strengthened the customer feedback mechanisms (Customer Satisfaction Surveys) and implemented centralized processing of survey results to ensure objectivity and higher level of management tracking.

17. 9.4 Customer Satisfaction Review Process Critical Event Our Actions What Worked What Backfired Start STOP Select an acct. CSS Analytical Report for the account CSS Response Corporate Quality Conduct The Account relationship Management workshop Publish CSS Analytical Report for named account Thank customer & seek meeting date Confirm corrective action plan Account Manager . Project Reviews Solution Centre Head Account Reviews Geography Head CSS Analysis Relationship Reviews COO Business Leadership Team