1. Hanoi, 11/2013 SMARTLINK ECOMMERCE JOURNEY Smartlink Card., JSC Presenter: Nguyen Hoang Long

2. Smartlink Introduction Founded in 04/2007 by 16 Vietnam commercial banks Main services: Switching, Ecommerce, Top up, Bill Payment, E-wallet, Mobile Banking 40 member banks and inter-connected with other domestic networks Third party processor for Visa International, MasterCard Inc., American Express, JCB, China Union Pay, Diners Club

3. Smartlink Introduction Transaction volume increases at an average rate of 35% 55 million domestic cardholders 100 + Partner Companies 16.000 ATM 104.000 POS USD 2.8 billion Transaction values processed in 2012 60.4 m Transactions

4. Customers, Partners and Banks TELECOM COMPANIES LOCAL BANKS MULTI-NATIONAL PARTNERSHIPS AIRLINES

5. Next Step: Automated Clearing House The Automated Clearing House system (ACH) Connections of a single system to banks & service providers Transactions: billing, interest payments, tax payments, etc. An interbank electronic fund transfer network All the requirements have been met by SML IPG SML IPG is expected to be the platform of the national ACH network.