2. Crystal Clear Software Ltd.

3. COMPANY PROFILE A Uganda-based Company, founded in 1998 ISO 9001:2008 Certified Specialized in Software for Micro-Finance Branch Office in Costa Rica Many Consultants all over the world

4. Make LOAN PERFORMER the standard for micro-finance COMPANY’S PURPOSE By creating a Product that is: Flexible User-Friendly Customizable Affordable How?

5. LOAN PERFORMER INSTALLED BASE 321 Clients Use LPF 26% in East Africa 48% Rest of Africa 17% Eastern Europe & Asia 9% Caribbean & Latin Am. 720 Installed Sites Data as per 01/11/2011 Number of Active Clients

6. THIRTEEN YEARS IN BUSINESS 1998-2011 Quality Award for Maintaining the highest quality in Management Quality Systems from Uganda National Bureau of Standards (Nov 2011). ISO 9001:2008 Certified for Quality Management Systems (Oct 2010). INNOVATIVE PRODUCT AWARD from Uganda Communications Commission (Oct 2010). Selected TWICE as one of the Top 100 MID-SIZED COMPANIES in Uganda by KPMG (Oct 2009, Dec 2010) 2 Nd Runner up in the Small Scale Category at the INVESTOR OF THE YEAR AWARD 2009. Two out of the 20 winners of the CGAP (World Bank) Financial Transparency Award 2007 for MFIs use Loan Performer: Findev and Viator, both in Azerbadijan. WINNER OF THE AFRICAN SMME AWARDS 2005 in the Information and Communication Technology sector, Issued by the Centre for Investment Analysis (ACIA) of the University of Stellenbosch Business School in Capetown, South Africa. SILVER IN THE 5th PRESIDENT’s EXPORT AWARDS 2003 for being the Number 1 Exporter in the category of ICT Exports. INVESTOR OF THE YEAR AWARD 2003 for the “Best Software Development for the year 2002- 2003” from Uganda Investment Authority.

7. General Ledger All Financial Statements All Financial Statements Budgeting Budgeting Assets Assets Sales & Purchases Sales & Purchases Multi-Currency Multi-Currency Export to Other Export to Other Accounting Packages LOAN PERFORMER MODULES IN 8.0 Savings Module Savings Module Savings Products Time-Deposits Loan Portfolio Module Loan Portfolio Module Tracking of Group Accts Links to Savings/Shares Printing Loan Contracts PMT Tool Client Module Client Module Individual Clients Businesses Groups Group Members Photos/Signatures Fingerprint Scanning (Add-on) SMS Banking (Add-on) SMS Banking (Add-on) WAN Connectivity (Add-on) Shares Module Shares Module For Inds. & Groups Dividend

8. WHAT’S NEW IN 8.0? WAN Networking with Crystal Link Biometric Fingerprint scanning (for user access as well as client validation) SMS Banking Multi-Currency Poverty Assessment Customized reports Etc.

9. WIDE AREA CONNECTIVITY

10. CRYSTAL-LINK WAN or Internet WAN or Internet Compressed & encrypted data LPF Clients (Branches) LPF Server (Head Office)

11. Windows 2003 and later (even XP up to 10 connections) Windows 2003 and later (even XP up to 10 connections) Internet Information Services (IIS) Internet Information Services (IIS) Public IP address Public IP address SOAP Toolkit SOAP Toolkit LPF Server DLLs exposed as Web Services LPF Server DLLs exposed as Web Services Database: SQL Server recommended for security reasons Database: SQL Server recommended for security reasons Connection 768 KBPS dedicated or higher Connection 768 KBPS dedicated or higher Server Side

12. Windows 2000 and later Windows 2000 and later SOAP Toolkit SOAP Toolkit Local Lookup tables Local Lookup tables LPF Client – lightweight exe LPF Client – lightweight exe Connection: 512 kbps Shared Internet Connection: 512 kbps Shared Internet Client Side

13. Skills Needed to Support LPF 8.0 on WAN Installation & Configuration of IIS Installation & Configuration of SQL Server General Windows troubleshooting skills

14. FINGERPRINT SCANNING

15. Price: 100 Dollars Excl. VAT High-performance, maintenance-free optical fingerprint sensor Sensor resistant to scratches, impact, vibration and electrostatic shock Auto-On™ (Automatic Finger Placement Detection)* Smart Capture™ (Self-Adjusting Fingerprint Brightness) USB connection Removable weighted stand Compact, lightweight and portable Integrated finger guide Readily accessible for any finger Driver CD included Three year limited warranty

16. Price: 150 Dollars Excl. VAT FBI Certified "PIV Single Finger Capture Device" GSA APL listed and FIPS 201 / PIV compliant High-performance, maintenance-free optical fingerprint sensor Sensor resistant to scratches, impact, vibration and electrostatic shock Auto-On™ (Automatic Finger Placement Detection)* Smart Capture™ (Self-Adjusting Fingerprint Brightness) USB connection Removable weighted stand Compact, lightweight and portable Integrated finger guide Readily accessible for any finger Driver CD included

17. When to use the Fingerprint Biometric Scanner?  Users Login  Savings Withdrawal  Time Deposit Withdrawals  Disbursements

18. CAPTURE USER/CLIENT’S FINGERPRINTS Put the thumb on top of the Scanner. Click on “Capture Image” Do this once for each thumb.

19. If Fingerprint Login is activated, Username And Password are de-activated.

20. SMS/MOBILE BANKING

21. General messages Send message when time deposit matures Send message after a savings deposit/withdrawal Send message after a savings transfer Send message after savings interest payment Check savings balance Send message after loan is disbursed Send message to guarantors after loan is disbursed Send repayment due reminder message Send arrears notice message to guarantor Check loan/arrears balance FUNCTIONALITY SMS BANKING

22. REQUIREMENTS FOR SMS BANKING  GSM Modem/GSM Phone or SMPP Server  SIM Card + Airtime  Loan Performer 8.0

24. SMS BANKING Identification by combination of account, phone number and password All messages can be customized into local languages IMF can Charge Clients for SMS Services

27. SMS MESSAGES REPORTS FROM LPF  Unsent Messages  Sent Messages  Received Messages  Error Messages

28. OTHER FEATURES IN 8.0 Poverty Assessment Bank Reconciliation Loan Refinancing Foreign Exchange Transactions Overdrafts Check Books for Savings Accounts Custom Reports Automatic Updates of the Program Automatic Closure of LPF if no activity etc.

29. WHEN? 2 DECEMBER 2011 NEW INSTALLATION? SQL SERVER LPF LICENSE (USD 3,000) + USD 1,040 PER ADDITIONAL BRANCH for WAN + 20% ANNUAL FEES UPGRADE PATH? EXISTING BRANCH DATABASES NEED TO BE CONSOLIDATED UPGRADE COSTS? SQL SERVER LPF LICENSE (USD 3,000) + USD 1,040 PER ADDITONAL BRANCH for WAN + 20% ANNUAL COSTS + DATABASE MIGRATION COSTS (USD 300 PER DATABASE) – PREPAID ON PREVIOUS LICENSE(S)

30. PRICES NEW FEATURES IN 8.0 SMS Banking: +20% of license + 1$ per SMS account Fingerprint Scanning: +10% of license plus USD 150 per scanner (ex-VAT) Web-access for customers (check accounts only): + 10% of license WAN Connectivity: 3,000 USD + 1,040 USD per additional branch Example MFI with 1 office, 5-user license with SMS+FPS (3 scanners): (1,600 + 20% + 10%) plus 20% annual fees plus 3 x 150 = 2,946 $ Example MFI with 3 branches and 20 users with SMS+FPS (9 scanners): ((3,000+ (2 x 1600) ) + 20% + 10%) + 20% annual fees + 9 x 150 = 11,022 $

31. CRYSTAL CLEAR SOFTWARE LTD P.O. Box 7463 Kampala Uganda 3rd Floor King Fahd Plaza, Plot 52 Kampala Rd Tel:- 256-414-231739 Fax:- 256-414-233644 Email ccs@infocom.co.ug Website: www.loanperformer.com