1. Blue Print for Nationwide Industry Transformation BUSINESS IDEOLOGY

2. COMPANY OVERVIEW

3. 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

4. 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

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

6. Key Industry Partnerships

7. j j j j j j j j j j j j Other Strategic Partners

8. 75% of Nigerian Commercial Banks as Customers

9. 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

10. OUR OBJECTIVE

11. LIMITING BARRIERS

12. 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

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

14. ABOUT BANKONE

15. “ 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 ”

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

17. 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

18. 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

19. SERVICE COMPONENTS

20. 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, Email Alerts

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

22. Mobile Banking Balance Inquiry Mini Statement Funds transfers Recharge Bill Payment

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

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

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

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

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

28. UNPARALLELED