1. E-bank Implementation Case of e-bank IS Meridian Bank - Technical overview - Radomirović Branislav, dipl.ing. IT manager Kranj, October 2003. year

2. Incorporated 1991 45 Branch offices USD 11 mil. Of Cash Equity 100% Private 96% Foreign Shareholders Over 12,000 business clients Over 40,000 personal accounts Bank with MAJOR authority Ranked as A class Bank according to the NBS (www.nbs.yu)

3. e-bank ® – bank in which you do not have to go, the bank will come to you, bank that is always close to you; e-bank ® – bank that instantaneously executes orders of its clients; e-bank ® – bank that works 24 hours a day, 7 days a week, 365 days a year; e-bank FIRST ON-LINE BANK IN SERBIA e-bank premises

4. e-bank ® – standard services Information on balance, Statement generation and issuing, Payments, Multiple accounts handling, Reconciliation and pre reconciliation tools e-bank ® – information on all Banks new services e-bank ® services e-bank

5. Concept of modern communications between Meridian Bank and clients via Service Centre

6. Communications channels

7. Windows 2000 Advanced Server (AD, MSMQ, IPSEC, VPN, QoS, COM+) Microsoft.NET (XML, SOAP, CLR, iBank FX) MS Internet Information Server 5.0 MS Exchange Server 2000 MS Operations Manager 2002 CISCO AVVID (CCM, CISCO IPCC, Cisco IPIVR, Cisco Dial-out, IOS WAP GW) MS SQL Server 2000 PC (FX, WEB, EMAIL) MOBILE (WAP, SMS) PHONE (FAX, IVR, CALL CENTER) ATM (WEB) Architecture of the system Microsoft.NET + CISCO AVVID

8. .NET technology with XML in the e-bank Conceptual design of the e-bank system

9. Data Set Object logic Adapter Business logic layer Data layer Data sharing with XML XML Data Set Win Forms UAC Data Set Web Forms IE, NSC Data Set WML Cards GSM Presentation layer Data flow with XML

10. Communication equipment

11. The next generation browsers will be use industrial standards such as XML, XML Schema, SOPA to support next generation of software for new devices who will come. Software developers such as Microsoft, IBM, Oracle will in future present to the market great amount of software products who will be based upon XML and similar technology. XML changing the future Next generation of devices for e-bank

12. Meridian Bank goals ! Data & transaction security Saves time and money New customers & new services Regular reports & analysis

13. Futoški put 42-44 21000 Novi Sad, Jugoslavija Tel.:+381 (0) 21 401-999 Fax:+381 (0) 21 402-099 Tlx: 14487 meba ns S.W.I.F.T. Code: MEBA YU 22 www.bankmeridian.com e-mail: meba@bankmeridian.commeba@bankmeridian.com Thanks for Your attention ! Meridian Bank A.D. Novi Sad