1. © Copyright IBSP – IBSP Hong Kong Ltd 2010 www.ibsp.net Internet Business Service Provider

2. © Copyright IBSP – IBSP Hong Kong Ltd 2010 www.ibsp.net “IT” AS A UTILITY ! Power Utility Water Utility IT Utility (Cloud) Via Cable Via Internet Via Pipe

3. © Copyright IBSP – IBSP Hong Kong Ltd 2010 www.ibsp.net Access the power of the latest technology Businesses can scale costs to fluctuations in demand Improves business & IT responsiveness Reduces IT staff and frees up human resources Extends reach into customers (new income opportunities) More secure and reliable delivery IT becomes operational expense, not capital cost Cut energy and delivery costs Modernize and keep pace with the work place evolution CLOUD BENEFITS

4. © Copyright IBSP – IBSP Hong Kong Ltd 2010 www.ibsp.net HONG KONG Administration SWEDEN Technology DUBAI Management 25 years - 50 countries - 330 personal WHO ARE WE ! Cloud Application Service Provider

5. © Copyright IBSP – IBSP Hong Kong Ltd 2010 www.ibsp.net WORLD-WIDE CLIENTS Security and Encryption specialist for over 25 years

6. © Copyright IBSP – IBSP Hong Kong Ltd 2010 www.ibsp.net WHAT WE DO ? Provide specialized platforms with software applications for centralized Internet based virtual services Used like a utility service: - Connect as required - Pay for what you use - No technical worries - No capital cost Accessible Scalable Reliable Cheaper Secure

7. © Copyright IBSP – IBSP Hong Kong Ltd 2010 www.ibsp.net CLOUD PLATFORMS & APPS

8. © Copyright IBSP – IBSP Hong Kong Ltd 2010 www.ibsp.net BUSINESS ADMIN APP. Invoices and quotations Purchase orders and payments Letters, e-mails and SMS Audit, VAT, salary and income tax Salary and sales commission Book keeping and cash register Point of sales payments with cards Customer relation management (CRM) Calendar and time booking Web hosting and e-shop Customers can access their Business Administration Platform direct from our cloud service and handle their business from any computer with any operating system

9. © Copyright IBSP – IBSP Hong Kong Ltd 2010 www.ibsp.net INTERNET BANKING APP. The IBSP service includes a complete Internet Banking Platform for payment of invoices and transfer of money to any IBSP account or via SWIFT to any bank world-wide Account overview Latest transactions Create new accounts Create bank transfer templates Pending transfers Deposit money to your account Payment of bills and invoices from IBSP accounts or with Cards Create transfers to Banks, IBSP accounts or Western Union Corporate salary platform Activate Merchant and Mobile Banking Platform

10. © Copyright IBSP – IBSP Hong Kong Ltd 2010 www.ibsp.net MOBILE BANKING APP. Mobile phone users are able to use their mobile phones for payments and transfers of money with strong encryption via SMS or internet connection Secure Internet based mobile transactions Encrypted transactions Mobile to Mobile Mobile phone IBSP merchant functions Topup your IBSP account from your credit card Check your IBSP balance Pay bills direct from your mobile phone SMS authenticated transactions SMS invoice and ticket payments SMS salary functions

11. © Copyright IBSP – IBSP Hong Kong Ltd 2010 www.ibsp.net MOBILE MERCHANT APP. Merchants can register to receive fast, secure and instant payments from Mobile Phones or Point Of Sales terminals Register for free Activate payments of goods by sending a one time code Card, Finger print and Mobile phone purchases Block reserved amounts for scheduled payments Clear the agreed purchase amount instantly Make daily merchant reports View latest transactions from paid customers Check your merchant account online Send merchant account statements to your e-mail Replace middle man service costs (i.e. Credit cards)

12. © Copyright IBSP – IBSP Hong Kong Ltd 2010 www.ibsp.net INTERNET SALARY APP. Corporations can handle salary functions for their staff with our white branded Cloud based salary solution Register employment information for staff Create a personal login to private salary account Receive a salary IBSP debit card Topup your salary IBSP card from your IBSP account Transfer for free to other private IBSP accounts Make remittance payments to family and friends Pay bills direct from the Internet banking platform Connect the salary account to mobile banking solution

13. © Copyright IBSP – IBSP Hong Kong Ltd 2010 www.ibsp.net MOBILE PHONE SALARY APP. Customers without access to the internet can use their mobile phone as a salary account, where by they can receive their salary and account information via SMS Register the mobile phone number as salary account Receive a secure PIN code Receive account statements to e-mail address. Topup your salary debit card from your mobile salary account Transfer for free to other private IBSP accounts Make remittance to family and friends from the mobile Make bill payments from the mobile Receive a salary IBSP debit card

14. © Copyright IBSP – IBSP Hong Kong Ltd 2010 www.ibsp.net Clients USB Device with Multi Factor Login Features: Multi Factor Authentication USB Security Device USB function self destruct VPN connection Automatic Key Management Key Safety Zones (HCM) Key Expiration Time Automatic Encryption Automatic Shredding Intrusion Detection Digital Signatures Encrypted E-mail Encrypted instant Chat Administrator function Executive Administrator Benefits: Encrypted Access to Cloud Encrypted Communication Encrypted Database Encrypted Activity Logger Encrypted Backup Superior Cloud Security Public & Private Cloud Security System CLOUD SECURITY APP.

15. © Copyright IBSP – IBSP Hong Kong Ltd 2010 www.ibsp.net TRANSACTION PROCESS BANK IBSP Pool Account Customers Virtual Accounts Mobile phone Apps. with encrypted SMS or Internet Encrypted Internet connection from different terminals World-Wide Money Access Points Innovative Cloud Financial Applications

16. © Copyright IBSP – IBSP Hong Kong Ltd 2010 www.ibsp.net STRATEGIC ADVANTAGES TELCOS / MOBILE CARRIERS: New Value-Added Services (VAS content providers) Encourage mobile phone owners to use their phones more Attract new subscribers with innovative services Drive up Average Revenue Per User (ARPU) New “transaction” revenue opportunities using mobile phone Potential premium rated short messages Examples: Mobile C-2-B purchases (Merchant transactions) Mobile to Mobile money transfers (Remittances) Mobile money transfers to different accounts Mobile Bill payments Mobile Salary receipt

17. © Copyright IBSP – IBSP Hong Kong Ltd 2010 www.ibsp.net STRATEGIC ADVANTAGES BANKS / FINANCIAL SERVICES: Innovative value-added services via mobile phones New revenue stream via mobile phone (SMS transfers) One “pool account” for many virtual user accounts Attract new customers with innovative products Reduce hard costs of banking transactions Reduce merchant transaction fees Instant virtual settlement of transactions Examples: Mobile phone C-2-B purchases (Merchant transactions) Instant virtual mobile-to-mobile money transfers (Remittances) Company Salary remittance to Mobile phones users Micro transactions using mobile phones

18. © Copyright IBSP – IBSP Hong Kong Ltd 2010 www.ibsp.net MORE ABOUT US

19. © Copyright IBSP – IBSP Hong Kong Ltd 2010 www.ibsp.net THANK YOU !