1. A Partnership with Pakistan Branchless Banking Application Proposal For Pakistan

2. Who We Are A Company holding exclusive licensing rights to market Branchless Banking product in Pakistan with end to end solutions developed by our professionals preferably for Commercial Banks having limited network access nationwide.

3. Technology Partner Leading System Integrator encompassing Integration and Management of IT Infrastructure through its robust world class delivery processes to varied corporations of high repute. Major Clients 3 PROWESS TECHNOLOGIES PROWESS TECHNOLOGIES National Bank Of Pakistan MCB Bank Ltd. Bank Al Habib Bank Alfalah Ltd. Bank Of Punjab Meezan Bank KASB Bank HSBC (Bank) Deutsche Bank Faysal Bank Ltd. Habib Bank Ltd. Arif Habib Group Saudi Pak Commercial Bank Ltd. Soneri Bank Ltd. Atlas Bank Ltd. Central Depository Company (Pvt) Ltd. Karachi Stock Exchange Telenor Pakistan UFONE Aga Khan Hospital Liaquat National Hospital Jahangir Siddiqui Group Lakson Group Fauji Fertilizer ICI Pakistan Ltd. Indus Motors Ltd.

4. Strategic Alliances 4 PROWESS TECHNOLOGIES

5. PRODUCT Brand AASAN CASH A real mobile wallet in hand phone which enables domestic & cross-border payments from hand phone to hand phone at the speed of a text message (SMS)! Technology An integrated money remittance platform via mobile phone and online backed by Master & Visa Card switches.Master & Visa Card switches Coverage 1 Million ATMs worldwide 100 Million POS worldwide +60 countries PROWESS TECHNOLOGIES

6. Product Range  Prowess agent network through franchise model. Prowess agent network  Mobile to mobile phone remittances in 60+ countries in real time.  White-Label solution for Merchants on & off-line. White-Label  Online payments and transfer for individuals  Near Field Communication (NFC) systems for contactless merchant payment.  Smart-Card with global ATM access at more than one million ATM's worldwide.ATM  Debit MasterCard®/ Visa Card with a linked balance to M- wallet credit balance. 6 PROWESS TECHNOLOGIES PROWESS TECHNOLOGIES

7. 7 Gulistane JauharGulshan-e-MaymarDHA Golf Club Buffer ZoneMalirMehmoodabadShadman Town PROWESS TECHNOLOGIES

8. Prowess Franchise Strength NoNo Prowess MartPopulationLocation Customer Segment Accessibility Bank Near By Franchise Near By Monthly Footfall 1DHA Golf Club660,931MarketUpper ClassEasy AccessNo 6500 2Mehmoodabad3,370,280 Main Road Lower/Middle ClassEasy AccessYesNo15500 3Maymar254,850 Main RoadMiddle ClassEasy AccesNo 6000 4Gulistane Jauhar1,137,657Market Lower/Middle ClassEasy AccessYes 11000 5Buffer Zone2,186,751Side RoadMiddle ClassEasy AccessNo 9000 6Shadman Town2,250,391 Main RoadMiddle ClassEasy AccessNo 16500 7Malir2,425,890 Main RoadMiddle ClassEasy AccessNo 12000

9.  They include setting up 1600 PROWESS shops within 14 - 16 months Pan Pakistan.  They include setting up 10000 PROWESS shops within 60 months Pan Pakistan  All of the Prowess Stores become Cash-in Cash-out merchants.  All Prowess Stores to accept Mobile Payments  All Prowess Stores have ATMs on site  All prowess Stores sell Migrant Worker Packs. 9 PROWESS TECHNOLOGIES PROWESS TECHNOLOGIES

10.  (high Volume sites)  Wireless communications  No fixed-line telecommunications required  Rapid deployment  Cash recycling  Card-less activation capabilities  Photographic transaction record  Advertising revenue 10 PROWESS TECHNOLOGIES PROWESS TECHNOLOGIES

11.  (Low volume sites)  Integration with POS equipment  Integration with bank network  Cash deposits  Cash withdrawals  Bill payments  Mobile top-ups 11 PROWESS TECHNOLOGIES PROWESS TECHNOLOGIES

12. 2007 UBL Orion launched; Legacy Product to UBL Omni Branchless Banking Products in Pakistan Historical Perspective Q1 2008 State Bank of Pakistan launches Branchless Banking Regulations widely acclaimed as amongst the best regulatory environments in the world. Q3 2009 Major Initiative in the Pakistan BB Market with the mass launch of Easy Paisa – a Telenor/Tameer Bank Partnership. Q1 2010 MCB Bank launches mass market product targeted initially towards their own customer base. Q1 2010 UBL launches Mass Market UBL Omni geared towards all SEC Classifications 2012 Pipeline Dubai Islamic Bank Habib Bank Limited Meezan Bank Limited Interoperability 12

13. System Provider Local Fund Transfers International Fund Transfer Franchise Agent Network Rental ATMs Cash Machines. Bill Payments Mobile Wallet/Account Offsite Merchant Network Cash Deposits & Withdrawals at Branchless Locations INHOUSE Pakistan Market Assimilation Two Major Players ; One Passive – Consistent Product Offerings 13 APT-ASSAN CASH

14. 14 Pakistan MarketSizing Figure of BB(March-2012)Figure of BB(June-2012) Quarterly Growth Branchless Banking Agents 26,792 29,525 10% Branchless Banking Accounts 1,059,5191,447,381 37% Average no of transaction per day 280,798315,178 12% Average size of Transactions in Rs 3,3674,065 21% Volume of Transaction (Rs.in Million) 85,092115,304 36% PROWESS TECHNOLOGIES PROWESS TECHNOLOGIES

15. 15 Bill Payment and top-ups remained the dominating activity in the quarter under review with 53 per cent share in total numbers, followed by fund transfer and deposits with share of 39 per cent and 8 per cent respectively. PROWESS TECHNOLOGIES PROWESS TECHNOLOGIES

16. Transfer AmountTelenorUBL (PKR)Easy PaisaOmni 1 - 500 58 50 501 - 1000 80 1001 – 1500 116 1501 – 2000 120 2001 - 2500 2501 - 4000174 4001 - 6000232 240 6001 - 8000290 28001 - 5000480500

17. Income Projections on activity by mobile wallets being used in Pakistan Sales Forecast based on “local” users Pakistan Cell Phone Users 110,000,000 Based on a mobile phone user making 2 transactions a month over a 1 year period Market Share % YearUsers Per Month Transaction Transactions Per Year Bank charges per minimum transaction. Yearly Income for Bank 2%2%12,200,000252,800,000Rs.40Rs.2,112,000,000 4%4%24,400,0002105,600,000Rs.40Rs.4,224,000,000 10%311,000,0002264,000,000Rs.40Rs.10,560,000,000 Note: Charges of Rs.40/= is based on a minimum fund transfer of RS.500/=

18. THANK YOU 18