SmartVista Product Development 2012 BPC Client Conference Rhodes, October, 2011 Evgeny Kozhin, Head of Development Department

2 Agenda Product strategy Changes in R&D Information sources for roadmap 2011 developments Roadmap 2012 Future plans

3 Product Development Strategy Continual improvement in scalability and availability Innovation in functionality and design Maintain necessary compliance Global and regional Continual improvements in architecture Maintain platform independence Continuous integration with new platforms « Continuous integration » in development process

4 Development Group Organization Dedicated R&D development group Dedicated GUI resources Release management Core & plug-in architecture

5 Releases & Main Stream Two releases per year Separate branches for regions All major features – imported to the main stream Common release for SVFE, SVBO & WEB Testing SDK will be provided with each release

6 Information Sources for Road Map Market/Customer demands ( Pre-sales, Sales ) Information from RFPs, requirements Customer requests Competitors’ solutions Payments schemes requirements Visa/MasterCard/Diners/AmEx mandatory Changes New products ( contactless cards, money transfer services ) Improvements and reengineering Internal reengineering of code and functionality Improvements based on stress and functionality testing New technologies and platforms

Results TO DO 2011 SV Software Development Kit Fraud Monitoring Payments processing WS New interfaces Chip cards Distributed cards production Mobile Commerce Internet Commerce Thales payShield 9000

Results TO DO 2011 Card issue applications workflow Interactive electronic help system Product localization Platforms SafeNet Protect Server Gold and Luna EFT …….

9 Technological Bulletins

10 What we are thinking About Next Year?

11 New ATM Portal Ticketing system disputes Cash management Collection prediction Monitoring Notification engine Available for iPad External Monitoring System monitoring Integration with enterprise service desk systems IBM Tivoli (With IBM industry framework) HP OpenView SNMP protocol Plans for 2012

12 Pre-select PIN and PIN via SMS Select PIN for card in branch Card is issued with this PIN Masked PIN via SMS Secret password/mask identify My Picture Card Personal design Portal for personal images and design of cards Plans for 2012

13 Merchant Portal Internet portal for merchants View transaction information Hotline for POS problems Reporting, statistic, analytics Notification and monitoring Available for iPad Plans for 2012 Monitoring for Bussiness People "The Media Tablet in Business" Application for iPad Functional & statistic information Terminal availability Reports and widgets

14 Business Portal for Corporate Clients In addition to standard I-Bank Features for corporate customers Issued business cards Spending, overall balance USSD Payments via Mobile Quick payments from mobile No additional application No sms Just USSD menu Plans for 2012

15 Plans for 2012 New GUI All system configuration from GUI Flexible configuration based on user roles Easy data access New ATM transactions Dynamic Currency Conversion Discounts and coupon printing Interactive scenarios Tickets issuing Denomination of cash for withdrawals

16 Plans for 2013/2014 Configurable interface forms – users build their own screens In memory Data Base – improve TPS NFC – Personalization and content management IBM Cognos – Reporting System Improve Retail functionality – deposits, credits, accounting Cardgen light – cross platform, compact card personalization Active-Active on DB2 – Do the same as with Oracle Performs stress testing with new platforms – find bottleneck Adaptive predictable models – strong math based on statistic

17 BPC Banking Technologies Client Conference 2011