Company Background Best known as “TESS” or “TESS International” in short. Founded in 2000 with 16 Years of Inspiration & Innovation. MSC (Multimedia Super Corridor) Status since 2001. Slogan: “By Bankers, For Bankers” (R&D Capabilities with Right Domain Knowledge)

Development of Product Blueprint started in 2009 Product Development Development of Product Blueprint started in 2009 Approach Malaysia Digital Economy Malaysia (MDEC) and obtained R&D Grant in 2010 100% using Malaysia resources Target market : All Financial Institutions (FIs) and Fintech companies Anti Money Laundering / Counter Terrorism Financing Solution (AML/CTF)

GLOBAL MANDATORY PRACTICE AML/CTF Solution GLOBAL MANDATORY PRACTICE After 911, there is a need for global fight action Terrorism financing. And with current world terrorist activities, AML solution has become very important To curb terrorist financial activities, they came out Bridge the gap between Regulators and Internal Policy requirements. Standard practices governed by International Regulatory body.

Financial Action Task Force (FATF) The Financial Action Task Force (FATF) is an independent inter-governmental body (consists of 36 countries) that develops and promotes policies to protect the global financial system against money laundering, terrorist financing and the financing of proliferation of weapons of mass destruction. The FATF Recommendations are recognised as the global anti-money laundering (AML) and counter-terrorist financing (CFT) standard. Some key recommendations for all Financial Institutions for AML/CFT Compliance Know Your Customer “KYC” Customer Due Diligence – Risk Profiling Customer and Business Relationship Monitoring Source of Funds Monitor and detect unusual suspicious transaction patterns Report Suspicious Transaction Activity to Financial Investigation Unit (FIU) Freeze Suspicious accounts So how exactly we do that? All FI to compliant with FATF recommendations

Financial Action Task Force on Money Laundering (FATF) Asia Pacific countries largely are Non Compliant to FATF 40+9 and Core recommendations These are the no of FI in the countries which does not compliance to FATF rules

Failure to Compliant NO BUSINESS FINES SANCTION

Fines On AML Reached The Historic High Recent Fines Fines On AML Reached The Historic High Recent Fines These are the BIG fines in recent years Source: Celent

Fines On AML Reached The Historic High Recent Fines Recent Fines Financial Institution (international) Fine J.P.Morgan $ 2.4 million HSBC $ 1.9 Billion Commerzbank $ 1.45 Billion Standard Charter $ 667 million RBS $ 500 million Financial Institution (local) Fine AMMB Holdings Bhd (AmBank Group)   RM53.7 million 18 banks RM63.72 million In US alone, fines went up to 60 billions Source: Celent

High Risk and Non-Cooperative Countries 2016

CORAL iSEM Features

CORAL iSEM Features Mapping and swift Integration shorten Project Timeline drastically

Watchlist, Rules & AI screening

CORAL iSEM Features Watchlist, Rules & AI screening

CORAL iSEM Features Perform Analysis & Statistical studies on data & trending patterns

CORAL iSEM Features Perform Analysis & Statistical studies on data & trending patterns

CORAL iSEM Features

Our Strategy & Business Model

Product Strategy Developed for all segment of Financial Institutions – Bank, Insurance, Investment Bank etc. Fast Implementation Cheaper to own Complete Financial Crime Solution Simple strategy Developed for all segments Not easy as Bank, Insurance and also investment banks have different business rules, data, business workflow All Fis want it yesterday due to pressure from authority and correspondent banks Hard to justify ROI, so we have to make it cheaper To value add our product, we develop other complimentary product

Complete End to End Solution

Business Model Software as a Product (Product, License & Maintenance) Software as a Service (SaaS) SaaP – most of our approach SaaS – Thailand , 150 clients

Current Customer R&D Customer

Customers

Customers in Thailand (SaaS Model)

Future Plan 5 years plan R&D Customer

Our Key Needs - 1 To Expand our Market Other Asia Countries Taiwan China Hong Kong South Korea Japan Middle East Countries Eastern Europe Countries Britain and US

Our Key Needs - 2 Partnership with Technology Partners Worldwide To further enhance our product with latest technology Eg. Our technology collaboration with NVDIA