Leading Edge Innovations EWA BERESNIEWICZ-KOZLOWSKA

Providing Electronic Tools for SKOK s

TF SKOK core services Payment card issuing technology ATM & POS terminal servicing technology Core banking services system creator E-banking services supplier Contact Centre services Outsourcing services provider E-commerce services provider Stock exchange company

Payment card issuing technology December completed installation and certification card issuing & settlement system January 2008 – beginning Visa debit card issuing December ATM network operating June E-commerce network operating February 2011 – commercial POS terminals network operating

Payment card issuing technology

ATM & POS terminal servicing technology SKOK – 418 Global Cash – 130 eCard – 322 Total : 870

SKOK 24 ATMs

eCard ATMs

Global Cash ATMs

ATM & POS terminal servicing technology ATM screens advertising emission of SKOK products Mobile ATMs usage during mass events – unique in Poland

Ensuing Benefits PERFORMANCE SKOK image rooting as modern & customer oriented institution SKOK Members’ loyalty increase Gaining new SKOK Members especially young Financial Member’s activity increase TECHNOLOGY MODIFICATION Queues in branches reduction Employees devote more time on product sales rather than performing basic operations

Financial Benefits IMMEDIATE Card issuing revenue Non cash Transactions revenue ATMs&POS Transactions revenue NON-IMMEDIATE Cashier basic operations reduction Additional credit line revenue

POS Terminals  Visa, MasterCard Certification  300 terminals in TAXI Corporation  Beginning POS Terminals installation of POS terminals in shops  Discount project for SKOK Members

Core banking services The mission of the HSO branch is to promote Credit Unions business and development by providing high quality, comprehensive solutions and services though the development of telephone and Internet distribution channels Core business profiles: Assessment, manufacture and service of dedicated computer systems Assessment and maintenance of infrastructure Outsourcing services: technical infrastructure, call centre and electronic banking services Sales – Computer hardware – Software tools from other manufacturers – Software „box programs” from other manufacturers

Commercial activity Hardware and software sales certifications: IBM Premier Business Partner, HP – Preferred Partner, VmWare – Enterprise Partner, CISCO SMB Partner, Microsoft – Certified Partner, EMC – Velocity Affiliate Partner, Lenovo – Gold Business Partner Hardware systems – offer for SKOKs & external clients Software tools – offer for SKOKs Antivirus security – offer for SKOKs

Core banking system System SkokCom 3.4xx – General Ledger – Current Accounts - handles accounts creation and account-related processing, – Current Accounts with credit line, – Savings accounts, – Loans, Retail loans Long term loans – Counting Interest, Charges, Commission and Fees – Local payments – Cash management – Insurance products – Reporting

E-banking services Functions: Financial Information Sales Mobile operator

E-banking services Main objectives of Eskok implementation: Provide the adequate participation in the financial market in the long term a significant reduction in costs related to E-banking accounts Policy support to increase sales and quality of service entities of credit unions group, which will help to improve their results Extending services

Contact Centre services Functions: Data profiling Data verification Customer service Help desk Technical support Direct sale over telephone Servicing loyalty programs Promotional campaigns Debt Execution takes the payment control responsibilities main objective of the recovery process is contact member who did not cover the first instalment loan

Contact Centre services Cross selling technique  selling an additional product or service to an existing customer Telemarketing  tools of direct marketing using the telephone to communicate with current or potential customers  Types of telemarketing campaigns: Stabilization - dedicated to membership, which varies with the decision to buy a new loan Reactivation – dedicated to members who have lost contact with SKOK Welcome Call  obtain information about customer satisfaction  control phone member for 10 days before the first instalment loan

Outsourcing services Servers Installation & configuration Network installation & configuration Windows system installation & configuration Windows server installation Core Banking System Administrators Training Core Banking System administration on-site BIK system – reports to Credit Information Bureau Publication and updating of website created for SKOK

E-Commerce 1300 – internet shop agreements S upplies to internet shops comprehensive technical solutions and technological support Payment options offered Payment Cards E-money transfers Print & pay PayPal -electronic purse Mobile payment (SMS,WAP) POS terminals 300 terminals in TAXI Corporation Start installation of POS terminals in shops Discount project for SKOK Members

Summary Builds and strengthens the clients loyalty towards a given brand Card issuing revenue Non cash Transactions revenue ATMs & POS Transactions revenue Cashier basic operations reduction Additional credit line revenue Increasing the effectiveness of the sales activities ATM screens advertising emission of SKOK products Cross selling Acquiring new customers

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