Presentation on Remittance & Cash Management Banking Day 2006

Agenda Market Today Business Challenges Inward Remittance Cash Management About CashTech Q&A

Transactional Complexities Segmentation Transaction Volumes Complexity

Corporate Treasury View Corporate Size Large Corporate Small Businesses Global Corporation Medium-Size Businesses Treasury Management Functions Liquidity Transactions Information Risk Payments clearing & settlement Payments clearing & settlement, electronic banking, Sweeping Payments clearing & settlement, electronic banking, Pooling & LM, Supply Chain support Payments clearing & settlement, electronic banking, Netting, Pooling & LM, Supply Chain Support, FX and Interest risk monitoring Value High

Bank services is becoming the hub of distribution financial chain Business Model LC Payment Vendor Payment Procurement Via Supplier Vendor Financing Purchasing, Distribution, Wholesale, Store Multi-tier Sweep Payment to Logistic Service Providers Logistic Process Netting Reconciliation Sales Order Collection Report Payment Reconciliation PDC Discounting Cheque Reconciliation Cheque Custody

Agenda Market Today Business Challenges Inward Remittance Cash Management About CashTech Q&A

Current Business Challenges How do I increase fee based revenue and improve float management How do I compete with multinational banks and Domestic banks How do I distinguish my bank’s offering How can I provide better solution to provide customer profitability, acquisition & retention How do I leverage existing systems to launch new products How do I respond to customized corporate requirements

Introduce fee based products Business focus Introduce fee based products Add additional services to existing portfolio Increase customer stickiness Inward Remittance (Retail) Cash Management (Corporate)

Agenda Market Today Business Challenges Inward Remittance Cash Management About CashTech Q&A

Why Inward Remittance The market The revenue 3 million Vietnamese working abroad who send money regularly back into Vietnam Approx USD 3 billion worth of inward remittances in 2004. The revenue Fee Based Revenue Anywhere between USD 5-10 per transaction F/X Spread Earnings Anywhere between 120-200 basis points Float Earnings Revenue from cross selling banks products: House Loan for the remitter Fixed deposit for remitters savings, etc.

Bank and Customer Perspectives Better Conversion Rate Ease of use Fast & Reliable Remittance Low Cost Cross Selling opportunities Wider Reach Remittance Remittance Reminders for Events Explore Investment Opportunities Low Manual Intervention Reward & Referral Plan Bank Perspective Customer Perspective

Agenda Market Today Business Challenges Inward Remittance Cash Management About CashTech Q&A

Why Cash Management Traditional lending relationships are becoming more demanding Management of Fee based and control of float based income is a necessity Cash Management has been a flagship offering of MNC banks and Vietnamese banks should capitalize on their distribution network

Bank and Customer Perspectives Attract Deposits Maximize Profit Convenience Cash Mgt. Information Retain Customer Cash Mgt. Market Expansion Minimized Cost Generate Fee and Float Bank Perspective Customer Perspective

Agenda Market Today Business Challenges Inward Remittance Cash Management About CashTech Q&A

CashTech Fact Sheet Revenue 650 Full Time Employees Geography – $ 74.0 M . More than 700 banks as customers, with over 150 sites on Cash Management Customers include HSBC, Deutsche Bank, Citi, BNP Paribas, ABN Amro Bank, Kasikorn, Maybank…… Cash Management expertise spanning over a decade Local expertise with implementations at large local banks in the region $ 70m $ 60m $ 58.5 m $ 47.6 m $ 50m $ 39.8 m $ 40m $ 30m $ 20m $ 10m 2002 2003 2004 2005 650 Full Time Employees Geography – 12 locations, 4 continents Boston New Jersey Atlanta San Francisco London Australia Zurich / Geneva Pune Singapore Tokyo Tel Aviv SG&A SG&A SG&A SG&A SG&A SG&A Support Support Support Support Support Support CashTech 230+ FTE 85 85 85 55 55 55 US Europe 50% 45% Services Services Services Services Services Services Technology Technology Technology Technology Technology Technology 180 180 180 240 240 240

Receivables Management Solution Overview Multi Channel Access J2EE Component Based Solution Multi-Lingual Multi-Currency Multi-Bank Multi Entity Web Partner Bank Branch Agent Mobile Multi Debit/ Credit Inst. Funds Transfer ACH/Giro Debit/Credit Card Check/Draft Local Wire Cash Retail Remittances Liquidity Management Receivables Management Collections Payments Integrator Billing Reconciliation Accounting Product Workbench Limits Other systems SWIFT/Tagged ERP Adaptors API XML Multiple Fee Based Services Notifications Business Analysis Warehousing Inst. Printing Segmented Products Imaging Multiple Technical Services Authentication Entity Access Auth/Verification Error Logging Event Handling Reporting

Credentials Rated by the Tower Group as the “Leading Cash Management Solution provider in the Asia Pacific” JPMorgan Internet Based Cash Management 2001 “Customizable Screen, Workflow, and multi currency product Support” Bank Technology Report: 10 to Watch! “100% J2EE, ability to differentiate Bank’s offerings from the rivals” As per Celent “Strong Player in Asia Pacific” Euromoney 2005 Rates CashTech as the best cash management solution provider globally Meridian Research says “Leading vendor with Asian experience” Bank Technology 2005 Award

Thank you Your questions…..