1. INORME S.L. Informática Organización y Métodos Data Processing, Organization & Methods Business Strategy / Vision SAP-FS

2. Estrategia de Empresa / Visión SAP-FS Inorme SL Abril 2007 Inorme INORME S.L. (Data processing, Organization and Methods) was founded in 1993 by a group of expert professionals in data processing and sector Consultancy of the Financial services. Assuring the success and the benefits to our clients, reaching in our products and services the highest levels of specialization, quality and experience with a technological level of vanguard. We have reach the fidelity in our Clients and Employees: + 80% of the business generated by a base of stable Clients, with a low rotation among ours employed.. The fidelity of our clients is owed, to a great extent, to the adaptation of our products and services to the changes in the market and the technology, and in our capacity to improve solutions. We offer and we will continue offering solutions and innovative ideas, as well as an extensive fan of products adapted always to the Market. Focused in the Spanish financial Market with some executions in the French and Portuguese markets

3. Estrategia de Empresa / Visión SAP-FS Inorme SL Abril 2007 Mythology Professionalism and deepening in the general financial market and particularly Spanish. Extensive product of financial products specialized and high-quality, integrated in large financial technological solutions (altamira, alnova, financial server, etc.). Modulates solutions of solid operational base for a better adaptability and improvement. Technological evolution and market forecast. Capacity of rapid response, confident and professional set against the change (technological, financial, normative, etc.).

4. Estrategia de Empresa / Visión SAP-FS Inorme SL Abril 2007 Strategy EVO. SERVICES, P ROGRESS = EVO. PRODUCTS,EVO. TECHNOLOGY [] Market Forecast P ROGRESS S TRATEGY I norme

5. Estrategia de Empresa / Visión SAP-FS Inorme SL Abril 2007 Services Evolution Product development, in different environments, for the financial companies mechanization. 1993 1995 2004 2006 2007 Evolution: Banking applications Development under a common platform. Complete Solutions development. CRM ERP Financial Entities Development of Applications that fit the needs. Banking applications reengineer. COMEX SWIFT ACCOUNTING Banking Applications Server development. SERV. COMEX BILLETES, PNR Outsourcing Services BPO. BPM. KUTXA, C. TERRASSA, MANLLEU

6. Estrategia de Empresa / Visión SAP-FS Inorme SL Abril 2007 Product Evolution 1993 1995 2004 2006 2007 Evolution: Banking applications Development under a common platform

7. Estrategia de Empresa / Visión SAP-FS Inorme SL Abril 2007 Common Development Platform User Interfaces Application Logic (COBOL, JVA, HTML,.NET, Vb…) Data Logic (db2, ORACLE, QL SERVER, INFORMIX…) Transactions (CICS, TUXEDO, WEB…) Operation System (OS390, MVS, UNIX, WINDOWS, ZOS…) Inorme Structure to Modulate Operating solidity Client adaptation Functional vigor but … User Interface Data Logic (db2, ORACLE, QL SERVER, INFORMIX…) Transactions (CICS, TUXEDO, WEB…) Operation System (OS390, MVS, UNIX, WINDOWS, ZOS…) Structure Unique Platform (SAP, ORACLE, FAMILIA Microsoft) ) Operating solidity Total Client Adaptation Mayor Functional vigor

8. Estrategia de Empresa / Visión SAP-FS Inorme SL Abril 2007 Technology Evolution 1993 1995 2004 2006 2007 IBMS390-CICS-COBOL-DB2 UNIX-TUXEDO-COBOL-ORACLE UNIX-WEB-Visual Basic -ORACLE UNIX-WEB-Java -ORACLE LINUX-Java-ORACLE PL SQL - ORACLE WIN-VISUAL/ASP.NET-SQL SERVER Evolution: Banking applications Development under a common platform.

9. Estrategia de Empresa / Visión SAP-FS Inorme SL Abril 2007 Inormes Vision We bet on the future under a common platform of programming in Banks and savings Banks. Reason: Greater competitiveness of market, solutions, technologies and economic. Vision: Technological adaptability. We bet on a reengineering structure from our solutions and from ours "know-how". Reason: Quality Contrasted from the Solutions– Vast experience in the national financial sector Contrasted by our clients: Kutxa, Caja Madrid, ATCA, Caja Terrassa, Caja Mar, Caixa Sabadell, Banco Santander, Banco Pastor, Banco de Madrid... Contrasted by our business: ISBAN, Ibermatica, Cap Gemini, Accenture… Vision: Technological Forecast. We bet on a win-win strategy among Inorme-Platform, and among the know-how - technology Reason: Perfect complementation from two leader businesses in the sector Vision: Leadership

10. www.inorme.com