1. Introduce Fern Software Eamon Scullin CEO Fern Software Email: eamon.scullin@fernsoftware.comeamon.scullin@fernsoftware.com Web: www.fernsoftware.comwww.fernsoftware.com It’s great to be back in the Caribbean. Thank you for the opportunity to -

2. Fern’s Worldwide Presence AMK Micro Africa Fundeser Kuyasa Musoni

3. Fern - Quick Overview 33 Years’ Experience Founded 1979… 300 Customers 35 countries 8 Regional Offices Highest Score in CGAP Review #1 in Accenture Report Continuous Development

4. Abacus OneWorld – Modular Design

5. Prioritize customer satisfaction Community engagement Educating customers Increase professionalism Incentivize staff Develop new products Strengths to Support Your CU

6. Absence of standards Lack of training Poor staff retention Inadequate MIS Under-capitalization, but... Some Weaknesses Not working together to share resources What about?

7. “Offering all Credit Unions & MFIs a wide range of flexible and secure shared services for their customers” iConnect

8. It’s All About Sharing Resources New services every step of the way 1 Working Together 2Benefits 3 Next Steps

9. Working Together Decide, organize, and collaborate 1

10. Working Together Flexible Scalable Secure Lodgements CU/MFI ATM Network Withdrawals Loan Repayments CU/MFI A CU/MFI B Sub Office CU/MFI B Regulator Auditor Investor Transfers PIN Verified

11. 2 Can you See the Benefits? Regardless of which system you use …

12. » Members/Clients can use their accounts for any transaction at any iConnect CU/MFI » Members/Clients studying or working away from home can keep their CU/MFI account open now » Credit Unions & MFIs can share resources to build a whole new network for their Members/Clients Benefits for Members/Clients

13. » More flexible opening hours » More flexible services » Increased loyalty » More Members/Clients » More sustainable CUs/MFIs » Easy to set up and use Benefits for Members/Clients

14. » Start small with local networks - 5 to 10 CUs » Then join up local networks to national - and regional – coverage, e.g. East Caribbean » Expandable for more services for Members:- » ATM » Internet Banking » Mobile Payments » Mobile Banking » POS » Loyalty Schemes … » iConnect means never having to say, “SORRY, YOU HAVE TO GO TO THE BANK FOR THAT” ! Built-in Benefits

15. 3 Next Steps Foundation for future services and better use of resources

16. Take the next step! It’s all about Sharing Resources Click on this link to contact us: http://www.fernsoftware.com/co ntact-us/contact-sales.aspx For a prosperous future for your Members & Clients!

17. ? But wait… There’s More! View your accounts from anywhere!

18. » With iConnect, Members can view their accounts, do transactions :- » on the Internet » on their mobile phone Additional Benefits

19. By sharing resources you can:- » Reduce costs: » Standardize loan products nationwide » Create unified marketing campaign » Leverage technology that was not available before » Create a new eco-system for the future: » Solve credit problems in new ways » Insurance » Health care » Embrace regulation » Ensure sustainability » Still retain your unique identity Additional Benefits

20. ? But wait… There’s even more! Business Intelligence on individual or aggregated level!

21. » With iConnect, CU can do also Business Intelligence, Data Warehousing etc. CU leagues and Associations can get aggregated information and analyze it Additional Benefits – Comparative Analysis

25. The future is about working smart together. Working Together  Smart eamon.scullin@fernsoftware.com www.fernsoftware.com