Title slide 1st of March 2012

Agenda 01 Introduction & Company Overview 02 Understanding The BI Marketplace 03 Temenos’ BI Approach, Product & SharePoint 04 Making Contact

Who is Temenos and what do we do? Retail Corporate Universal Private Islamic Community Sectors Market leading provider of banking software systems Serves over 1,500 financial institutions in more than 125 countries across the world Strong product focus: Highest level of R&D in our industry Regular upgrade with yearly release cycle ‘best practice’ codified with Model Bank Passion for standards and openness Service & support for initial implementation and beyond Dedicated to delivery of measurable value Strength and depth: 1,000+ consultants, 100 concurrent projects R&D $ Investment $140m $310m* $450m Key differentiators is ability to deliver into any type of bank anywhere in the world through a single product Retail in London, Islamic in ME or corp in Asia... T24 Granular set of modules... Customers only implement what they need Each T24 customer uses the same product on the same code base 2 advantages – easy to maintain a single version, easy to upgrade... Upgrading 500 customers would be impossible with multiple versions We provide a new release of the software every year and providing all interfaces and developments adhere to our standards we guarentee forward compatibility Also through upgrading our customers benefit from the massive R&D investment every year... Defined product roadmap Product focused company... We deliver a packaged but highly customisable product In order to reduce risk and complexity during implementation we have devleoped model bank One of Microsoft’s Top Six Strategic Providers

Global Reach Temenos operates from 53 offices in 39 countries to support our 600+ clients Tokyo Kuala Lumpur Hong Kong Singapore Jakarta Shanghai Taipei Sydney Bangkok Hanoi Almaty CHENNAI(1) Mumbai Johannesburg Sao Paulo Quito Miami Mexico City Orlando San Jose Vancouver Nairobi New York Montreal MADRID Dubai Riyadh Beirut Moscow Athens Warsaw LONDON(1) Dublin Luxembourg Amsterdam GENEVA(1) Paris HEMEL HEMPSTEAD Frankfurt(1) Zurich Additional offices added in Nairobi and Bucharest Does not include Financial Objects’ offices. Our global network enables us to be close to our clients, understand their requirements and deliver solutions quickly and accurately 5

Navigating Your Way Through Regulatory, Liquidity And Cost Pressures Comply With Basel II Across your Business Support New Regulatory Changes (E.G Basel III, COREP...) Quick business health-check Do more with less Manage and monitor your liquidity and profitability ratios Build a highly profitable business Empower the business Users with true information Lower The Overall TCO

Retail Banking And BI Gartner Quadrants Magic Quadrant for International Retail Core Banking Magic Quadrant for Business Intelligence Source: Gartner (January 2011)

The Insight Value Proposition “BI in a Box” for pre-defined dashboards and cubes Seamless integration with T24 and other systems Wide breadth of functionality Information on-demand, through self-service Access to information through Microsoft tools such as Excel and SharePoint

Insight Business Intelligence Insight Vision Financial Intelligence Customer Intelligence Operational Intelligence Risk Intelligence Insight BI Platform Banking General Ledger Wealth LOS CRM

Insight Business Intelligence General Ledger From T24 From external GL Automatic reconciliation Income Statement Daily reporting Reconcile Customer to P&L Budgetary Analysis Automated actual v budget Line of business reports Cost allocations Financial Dashboards Pre-defined dashboards & KPIs Financial Consolidation GL Consolidation of multiple entities Business Intelligence Insight Vision Financial Intelligence Financial Intelligence Customer Intelligence Operational Intelligence Risk Intelligence Insight BI Platform Banking General Ledger Wealth LOS CRM

Insight Business Intelligence Customer Profitability By Product By Line of business By relationship manager By country of risk By gender, age, By Occupation What if Profitability& Pricing tool By relationship By product risk Assess fees v rate Understand profitability Relationship Scorecards Business Intelligence Insight Vision Financial Intelligence Customer Intelligence Customer Intelligence Operational Intelligence Risk Intelligence Insight BI Platform Banking General Ledger Wealth LOS CRM

Insight Business Intelligence Daily Operational reporting for: Customer Reports Account Reports Lending reports Deposit Reports Branch scorecards Business Intelligence Insight Vision Financial Intelligence Customer Intelligence Operational Intelligence Operational Intelligence Risk Intelligence Insight BI Platform Banking General Ledger Wealth LOS CRM

Insight Business Intelligence Regulatory Compliance Internal Risk Reporting RAROC Risk Pricing Exposure Assessment/Control Risk Benchmarking Performance Allocation Portfolio Optimization Portfolio Analysis Balance Sheet Modelling ALCO Reporting P/L Forecasting Liquidity & Basel III Compliance Business Intelligence Insight Vision Financial Intelligence Customer Intelligence Operational Intelligence Risk Intelligence Risk Intelligence Insight BI Platform Banking General Ledger Wealth LOS CRM

Insight Business Intelligence SharePoint 2010 Staff collaboration Link BI to other applications Extend UI with bank analysis Insight Vision Financial Intelligence Customer Intelligence Operational Intelligence Risk Intelligence Insight BI Platform Banking General Ledger Wealth LOS CRM

NorthShore Credit Union Issues Uses external general ledger system – Insight produces financials 7 different sources of external data integrated with T24 in Insight Customer Profitability – FTP Financial advisor scorecards Partner with Temenos in ‘Customer Analytics’ Temenos solutions Insight implemented in July 2010 connected to Navision GL & T24 External data sources interfaced in December 2010 Roll-out across NSCU from January 2011 The impact Daily Financial Reporting Month end year end reporting available faster Single Insight solution for both financials & performance scorecards

Contact Us – http://www.temenos.com/Contact-Us/ Cedric Le Rouzo clerouzo@temenos.com Insight Sales Director - Europe Jose Duarte jduarte@temenos.com Insight Service Director - Europe Simon Goble sgoble@temenos.com Insight Alliance Manager - Microsoft Maria Lympousi mlympousi@temenos.com Sales manager - Temenos

Thank You