1. BPC and SmartVista Overview BPC and HP NonStop seminar Athens, 12th October, Nigel Cox MD, Europe

2. Company Snapshot Formed in 1995
Developer and distributor of SmartVista, the complete e-payments solution
Global presence with offices in 11 countries – 280 FTE
Rapidly expanding client base – 80 clients in 24 countries
Tier 1 clients include: Alfa-Bank, BNP Paribas, Dexia, Diners Club, Gazprombank, ING and Sberbank
A culture of quality and delivery
ISO 9001:2008 certified
Financially strong and profitable with multiple revenue sources

3. Global Representation
USA
Offices
Client Locations 3

4. Some of our Customers Russia Asia Pacific USA Latin America Europe
Uzbekistan
Kazakhstan
Europe
Ukraine
Armenia

5. 19x19x19 2010 Record Performance! Revenue Growth 19 new clients
19 days a new client
19 countries (+ six in 2010)

6. Customers 2009-2010 Russia Asia Pacific USA Uzbekistan Ukraine Armenia
Europe
Azerbaijan
Africa

7. Solution Overview and Key Design Principles

8. Solution Overview

9. SmartVista Components
Authorization
On-line
Stand-in
Switching & Routing
On-line fees and limits
ATM Monitoring
POS Management
On-line Fraud Prevention
International Payment Scheme Interfaces
EMV script distribution
SmartVista Front-End
Card Management
Merchant Management
Clearing & Settlement
Exceptions Processing
Fraud Monitoring & Analytics
General Reporting
Credit services
Loyalty programs
Fees, interest rates, MSC and limits
SmartVista Back Office
Full functional card personalization solution
Magnetic stripe and EMV compliant chip cards
Interaction with various CMS
Various personalization and cryptographic equipment
PIN generation and printing
SmartVista CardGen
Builds from individual components to complete integrated solutions
Payment gateway
3D secure
MPI
ACS
iPay
In-house card processing
Issuer solution
Acquirer solution
Merchant processing
Personalization center
TPP/MSP solution
Switch solution
Agent organization
National payment network
Integration bus
Payment services hub
Billing system

10. Strategic Positioning
The Payment Services Hub

11. Key Design Principals

12. Technical Environment
Platforms OS
RDBMS
Other soft
IBM Power Systems
(System p, System i)
HP Integrity Systems (ML, DL, BL … all x86)
SUN SPARC Systems (M, T … all x86)
Stratus ftServer
x86_64 systems
VMWare EX
HP Integrity
NonStop
HP HPUX 11
IBM AIX 5.3, 6.1
RedHat Linux 5
SuSe Linux 11
OEL Linux 5
Sun Solaris 10
IBM I (i5/OS)
HP NonStop OS J06 (OSS)
Oracle 9i, 10gR2, 11gR1, 11gR2
SQL/MX and DB9.7 (Cobra)
for SVFE
C compiler
( GCC, CC )
Perl
Shell
Oracle Client
TACL and OSS shell

13. Consistently Ranked Amongst the Top Market Players
Comments from Gartner on BPC:
Experience in large banking environments
Flexible modern architecture
Detailed and well thought out solution road map
Flexibility of product and company to address customers with deep customization needs
Strong pricing and TCO
Innovative on-line service and support
High service levels
Process methodologies that support innovation
Unremitting focus on quality
Client ability to leverage aggregated data to enhance their customer relationship

14. Case Study Sberbank Solution characteristics
Full functional in-house processing center
Full Grade/Full Option MasterCard, Visa and EMV certifications
35,000 ATMs
18,000 Kiosks
240,000 POS
45M Cards
300 TPS
Hardware: HP Integrity SuperDome 32 cores
Thales 8000 HSM
Business highlights
Largest Bank in Russia (30% market share)
Client since 1996
Operates across 11 time zones
Principal Member of MasterCard and Visa
One of the biggest ATM networks in the world
Innovative services - “Branch of the Future”

15. Case Study Security Bank
Solution characteristics
Full functional processing solution and card management
Delivery channel integration: e-commerce, call center, internet banking
200 ATM
48,000 POS
850,000 Cards
40 TPS
Hardware: HP rx CPU clustered
Thales 8000 HSM
Business highlights
Leading retail bank in Philippines
Client since 2004
Diners Club franchise holder
Principal Member of MasterCard
Subscriber to BancNet local ATM network
Migration from ACI Base24
Migration from CTL Prime and On-line

16. Case Study Transilvania Bank
Solution Dimensions
Full function in-house processing center
Full Grade/Full Option MasterCard, Visa and EMV certifications
800 ATMs
12,000 POS
2.2M Cards
15TPS, 50,000 TPD
Hardware - HP Superdome 8CPU clustered
Thales 8000 HSM
Business Dimensions
One of the largest private banks in Romania
Client since 2009
Principal Member of MasterCard and Visa
Full range of financial services
TP-Gold and TP-CMS replacement

17. We Transform Client’s Payment Business
Scalability
Availability
Flexibility
Adaptability
Modularity
Profitability

18.
Seminar The SmartVista alternative on NonStop