Slide 1 Intellectual property of Vayana Vayana – Next Generation Banking using Social Connect

Slide 2 Intellectual property of Vayana Trends Vs. Product Road Map Corporate Banking Retail BankingTechnology Embeddable services Cash forecasting, Embeddable services Next generation Technology Architecture Commercial banking suite, Templates, Richer Trade and Treasury Functionality Social media integration, wealth management Rich Integration Architecture with Data pipelining, On Demand Platform Data Aggregation service, Cash Forecasting, Mobile Banking Data aggregation service, Mobile Banking UI/XML driven integration architecture Corporate Banking E-banking will be a set of services available for Integration with other applications Customer network creation with SME rich services will be key factor in stickiness STP and Time to Market efficiencies will be key in managing ROI Retail Banking Pervasive banking services in conjunction with Social Media Mobile banking will be the key channel Unified Wealth statement across institutions, rural banking specific solutions Technology Trends Banks will purchase Services rather than products Private and Public clouds will be preferred deployment strategy ROI focus will drive hardware and deployment efficiencies High level RoadmapTrends Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1

Slide 3 Mobile Channel Presentation Layer Online Banking PortalKiosk Personalization | Multi-lingual | Multi-currency | Customer Branding Transactions Bill pay Request Insurance Balances Investments Net worth Stocks Mail Box May I Help You What will it cost Offers for you Can you advice Find what we pay Compare Us Download Statements Onetime setup Preferences Transactional WidgetsInformation & Interaction widgets General WidgetsOther Features Online Banking Enterprise Manager Administration | Business Rules | Message Center | Utility Provider | Reports | RMS | Dynamic Templates** | Dynamic Reports ** Interface Component Interface to Core using Middleware / SOA / Direct Interface Accounts & Payments System Loan & Deposit System Credit Card System Security & 2 – Factor Next Generation Banking Architecture Social Network

Slide 4 Transaction Widgets Transaction Bill Pay Insurance Requests Information & Interaction Widgets Balances Investments Net-worth Stocks Mail Box My Direct Help General Widgets What will it cost Direct Offers Direct Advice Direct Rates Compare us Talk about us Supported in Online Banking Portal & Mobile Web Secured Access for registered Customers Support using Chat, Message center Integration with social media Personal Applications for Online banking

Slide 5 TransactionsInformation & InteractionGeneral These are secured Widgets and require to login to Online Banking and available only in Online Banking Portal. Customers can personalize these widgets in their landing page. Transaction Lists the frequently made online payments and allows to create new payments (Internal or external) to pay now or Standing Instruction. BillPay Lists utility bills due for payment with due date and allows to make a payment now or schedule later. Insurance Lists the insurance products with premium due details. Allows you to make a payment for due. Requests Status of Service requests like Cheque book, Address change, Credit cards (block/report loss) and submit a new request Transaction Widgets

Slide 6 TransactionsInformation & InteractionGeneral These are secured Widgets and will be available in Online Banking with full functionality. These can be integrated with other social media sites like iGoogle, Yahoo, Facebook with limited functionality. This require sign-in using the online banking credentials. Balances Displays the relationship information of all Account Nicknames, Current Balance, Currency. List of accounts include, Current/Savings Account (CASA), Loans, Deposits, Credit cards Networth Summary of relationship categorised into main groups. Shows the networth in preferred currency, if multicurrency transactions present. Investments Lists the deposit accounts, Mutual funds with details like interest rate, maturity information/NAV and current value. Stocks Lists the current value of the stocks/shares held either from stored value or at login time depends on setup My Direct Help Contact Relationship manager through Internal Mail, Online Chat, Videos or Forum Mail Box Lists the alerts/Notifications from RM/Bank. Information & Interaction Widgets

Slide 7 Information & Interaction Widget Information/Interaction Widget Can be independent in Online banking or external application Secured and requireed login credentials Data communication on SSL

Slide 8 TransactionsInformation & InteractionGeneral These are widgets which can be integrated & published for view of general public. Few of them still require Sign-in using online banking credentials if these are part of Online banking. These will publish information about products, interest rates, calculators etc. Calculators Financial calculators - Mortgage, Auto Loan, Home Loan, Exchange Rates, Personal Finance Advice Connects to Interactive WiKi's, Blogs with moderator or Senior member giving advice/suggestions based on the question. Offers Lists new products or offers for the customers Rates Interest rates on Deposits, Savings accounts Compare Us Compare your spending with the world. General Widgets

Slide 9 General Widgets Can be independent in Online banking or external application No Login required Can be integrated to external websites for advertisement Suitable for Social Networking Integration Data pulled from bank server General Widgets

Slide 10 Landing Page with widget types

Slide 11 Widget Customer Feel Allows customer to pick and choose the required widgets Widgets can be refreshed as a unit Can be minimised or closed

Slide 12 Integration with Social Media Maintains the Look & feel Develop once & deploy in different place Cross selling & Up selling Appears based on the customer profile

Slide 13

Slide 14 Visit Thank You….learn more about us at