Blue Print for Nationwide Industry Transformation BUSINESS IDEOLOGY

COMPANY OVERVIEW

Appzone is Nigeria’s leading provider of home-grown Banking and Payment Software solutions and creator of Africa’s leading Banking and Payment Cloud solution for Microfinance & Mortgage Banks- BankOne

To provide technology that empowers people with unlimited access to quality financial services. A financial cloud platform servicing a billion users and processing most of Africa’s financial transactions. VISIVVVV VISIO N MISSIO N

Stats at a Glance… OVER 130 Highly Motivated Professionals SERVICING 16 Commercial Banks & OVER 200 Microfinance Banks

Key Industry Partnerships

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75% of Nigerian Commercial Banks as Customers

Core Investor & Infrastructure Partner SA’s leading IT Services Group (by Market Share) More than 7000 Strong Workforce (in 9 countries) Built & Owns Two-Tier 4 (Data Centres) Annual Revenue Exceeding $500 million Clients Include SA Stock Exchange Reserve Bank

OUR OBJECTIVE

LIMITING BARRIERS

Some key Limitations… Manual or Semi Manual Operations Limited geographical spread Zero support for Electronic Channels Non participation in clearing Lack of low cost high-quality tech for automating operations

…have resulted in Low customer patronage Low deposits Poor profitability, High cost & In-sufficient income Losses due to poor Internal control

ABOUT BANKONE

“ Nigeria’s No. 1 platform that combines world class Banking Software functionality with a wide variety of alternative Banking channels and is delivered as an affordable pay per use product ”

Output = 0.97% Output = 97.0% StreamlinedOperations How BankOne Transforms Automating FI operations using the best technology at Minimal initial & on-going cost…

ATMs Bill Payment Interne t PO S Mobile Banking MFB Headquarter Mobile Money Agents Field Officers Commercial Banks BankOne connects MFBs to the largest network of Banking Channels at no extra cost Relationship btw the Banks and BankOne

Reducing cost of operation & creating multiple new streams of income to boost profits. Mobile Bill Payment Bill Payment Money Transfer Money Transfer ATM Branchless Banking Branchless Banking

SERVICE COMPONENTS

World-Class Core Banking Application  Customer account information center  Flexible Savings/Current/Fixed Deposit products  Group and individual loan products  Portfolio-At-Risk (PAR) management  Financial accounting and book keeping  Financial Reports  CBN Returns/EFASS  Credit Bureau Integration  Treasury Management  Fixed Asset Management  Payroll Automation  Approvals, Audit trails  SMS, Alerts

Debit Card Issuance Withdrawal at ATMs Card Payments at Retail Outlets Card Payments on the Internet Card Co-branding Automated Card request workflow

Mobile Banking Balance Inquiry Mini Statement Funds transfers Recharge Bill Payment

Mobile Teller Automation Cash-in Cash-out Money Transfer Recharge/Bill Payment Branchless Banking

Withdrawals at Correspondent Bank Deposits at Correspondent Bank Third party Cheque Lodgments Correspondent Banking

Bulk credits for Salary Payments Account transfers from commercial Banks Electronic Payment Remittances

In-Branch FT & Bills Payment Inter-Bank Transfers Airline (Aero, Air Nigeria) Cable TV (DSTV, HITV) Postpaid GSM (Glo, Airtel) PHCN, LSWC

Mobile Money Integration Cash-in, Cash-out by mfb personnel/agents Cash-in, Cash-out services for mfb customers

UNPARALLELED