Our Portfolio Reflects Our Expanding Possibilities April 20, 2017

Contents Introduction 1Link Services Major Initiatives Conclusion April 20, 2017

Introduction April 20, 2017

Introduction 1LINK is a consortium of banks of Pakistan that own and operate the largest shared financial services network of Pakistan. Our Focus is to: Innovate Collaborate Research & Develop Uplift the Payment Industry April 20, 2017

Historic Milestones Year 1999: ABN AMRO and Askari Bank connected their ATM network (ABN Amro Switch) Year 2002: SBP circular for the mandatory connectivity of either of the two switches (MCB Switch or ABN Amro Switch) Year 2003: ABN Amro Switch decided to form a collective company and founded “1LINK”, to be run and governed by the existing 11 Members Year 2005: 1LINK parterend with Visa International Year 2006: 1LINK launched Inter Bank Funds Transfer Service Year 2007: 1LINK launched Utility Bill Payment Service (UBPS) Year 2011: 1LINK partners with China Union Pay Year 2012: 1LINK partners with MasterCard April 20, 2017

Members Banks April 20, 2017 April 20, 2017 6

Alternate Delivery Channels 1LINK services are offered to the Consumer by banks via various Channels Following channels are part of the 1LINK Payment Space: ATM IVR Call Center Internet Kiosk Mobile POS CDM Other ADCs can be enabled depending on the Bank’s readiness April 20, 2017

1LINK Services April 20, 2017

1Link Services Cash Based Cash Withdrawal Non Cash Services Balance Inquiry Inter Bank Fund Transfer Bills Payments Telco Top-ups Credit Card Bills Payments Payment Platforms VISA Inc Mastercard Worldwide UnionPay International April 20, 2017

1LINK Shared ATM Network Card Base 0.96 Million Source: SBP Quarterly Review * 30th June 2013 April 20, 2017

Shared ATM Network 1LINK connects over 6,750+ online ATMs across the country The network is continuously expanding 1LINK Shared ATM Network provides round-the-clock access to ATM Optimum uptime and outstanding service levels increases customers confidence on 1LINK ATM network April 20, 2017

Inter Bank Funds Transfer Instant and Real-Time Funds Transfer across member banks 30* IBFT enabled Member Banks Electronic Funds Transfer using ATM, Internet Banking, Mobile, IVR, Call Center, KIOSKs * As on 30th October 2013 April 20, 2017

Inter Bank Funds Transfer Value Proposition IBFT Diversification Digitization of payments No paper work Cost Efficient Convenience and secure environment Reaching PAN Pakistan branch network of 12,000+ branches Customer to Customer / P2P Payments Online Remittance Payments (B2C) Credit Card Bills Payments (C2B) Corporate Payments (B2B) April 20, 2017

Global Payment Gateway 1LINK has partnered with VISA, UnionPay, and MasterCard in Pakistan. Bank are now able to Connect to IPS with reduced CAPEX and OPEX. Banks can offer services to International customers like Cash Withdrawal and Balance Inquiry April 20, 2017

Internet Service Providers Bills Payment Service Others Jubilee Life Insurance Daraz.pk Internet Service Providers Wateen Wi-Tribe Qubee Telecom Ufone Warid Telenor Zong Mobilink PTCL Electricity KESC LESCO HESCO GEPCO MEPCO Gas Sector SSGC SNGPL April 20, 2017

Credit Card Bills Payment Through IBFT Realtime and Instant Bill Payment from 30 IBFT Member Banks Revenue for member banks on every credit card bill paid though IBFT Member Banks LIVE on Credit Card Bill Payment through IBFT: Habib Bank Limited Silk Bank Limited April 20, 2017

IBFT for Merchant Settlement Acquiring Banks are using IBFT to settle its POS Merchants Merchants to receive funds at any of Bank account of their choice Cost-saving and enhanced productivity against paper based instruments Member Banks LIVE: UBL April 20, 2017

Cash Advance Through ATM Customers can enjoy the facility of balance inquiry and cash advance transaction from their credit cards through any 1LINK ATM. Banks include : HBL Visa Card Faysal Bank MasterCard Askari Bank Limited MasterCard Bank Alfalah Limited Visa Card Silk Bank Visa Card April 20, 2017

To Convert Proprietary ATM cards to Proprietary Debit Cards Local Acquiring Switch Acquirer Issuer Local Routing and Local Settlement Standard Process and Pricing for Members EMV Compliance Support for both SIGNATURE & PIN Loyalty Program for merchants To Convert Proprietary ATM cards to Proprietary Debit Cards April 20, 2017

Risk Management PCI DSS Compliant EMV Compliance VISA Mastercard Unionpay 1LINK Acquiring Switch April 20, 2017

Technology Updates Active DR Site in Lahore SAN to SAN Replication (KHR & LHR) High Availability on Switch Services PCI Compliant Information Systems April 20, 2017

Technology Updates New Infrastructure for Bill Payment System NOC Monitoring – 24x7 Service Desk Launched April 20, 2017

Major Initiatives April 20, 2017

Bill Payment Service 23 Member Banks LIVE Increase in Billing Companies No Additional Costs to Banks when adding new companies Increase in Member Bank revenue to Rs. 7 per Bill April 20, 2017

Bill Payment Service Option to connect via Web Services Telco billing will be moving to commission based model from fixed fee Top-up amounts are being lowered April 20, 2017

Branchless Banking Initiatives Issuance of Local ATM / Debit Card Shared ATM Services 1LINK POS Offering IBFT Mobile Wallet with Level 0, 1 and 2 limits Cash to IBFT through BB Agents Cash Payout on POS April 20, 2017

1LINK Loyalty Program First Time in Pakistan for all 1LINK Member banks Loyalty Program for all Services and Products of the Bank Real Time Redemption of Loyalty Program – “Burn Side” April 20, 2017

1LINK Loyalty Program In discussions with Acquiring Banks to offer this service for Issuers with Loyalty Program Customized Loyalty Programs will be available in Phase II April 20, 2017

Risk Management Real Time Transactions Monitoring Capability Fraud Monitoring Application Off US – 1LINK On US – All Member Bank Risk Management MIS April 20, 2017

Global Payment Schemes JCB American Express Discover April 20, 2017

Conclusion Collaboration is the KEY! Securing the Future! Enhancing Long-Term Revenue Growth Execution Excellence! We have done it before; We will do it again! April 20, 2017