1. PKI Application in Financial Institution Beijing HiTRUST Technology Co., Ltd. Product Manager Michael Liu http://www.hitrust.com

2. Core Business of HiTRUST Developing PKI related applications & solutions in financial and eCommerce sectors Providing outsourced PKI services. Constructing and operating “TRUSTED” PKI system. Founded in 1998, with capital around US$100M, HiTRUST now has it’s operations at Beijing, Shanghai, Taipei, and Hong Kong. Believe in that “application” is the key successful factor of doing business in PKI industry, HiTRUST has been in the business of :

3. Experience in PKI related Services Digital Certificate: - Has issued over 4,000 server IDs in Greater China region. SET & Visa 3-D Secure : - Established Cyber City to provide B2B2C billing and payment gateway services Secured B2B Online Payment - Has established and provided B2B online payment services to corporations OnSite CA: - Has established several onsite CAs for major corporations in Taiwan Secured Electronic Banking Systems : - FEDI, EOI, Internet banking, mobile banking, video banking system, etc. Wireless Certificate and Signature Services

4. Successful Experience in HongKong HiTRUST.com (HK) is the principal affiliate of VeriSign in Hong Kong. Has issued over 1,200 SSL server ID since Yr. 2001. Successfully been granted the status of Recognized Certificate Authority ('RCA') by HKSAR government in Yr. 2002.

5. Our Success Story in China With one year preparation, HiTRUST has built up a capable team and started business operation in Beijing by end of 2001 Signed up Secured B2B2C payment services with one of major Portal in Yr. 2001 Up to now, Secured B2B and B2B2C payment connections have been built up with 4 major banks in China. Established Secured B2B payment System for Acer Group’s nation-wide e-Channel system.

6. Our Products and Services

7. Financial Services Software BOI – Banking Mechanism Over Internet Consumer Banking Software Corporate Banking Software Interne t End-user CACA 1 2 3 45 End Users Infrastructures Internet + Mobile + Auto-Clearing House + etc. Platforms for Applications Security + Information Mapping + Administrations + Transactions + Host Connections Application I Application II Application III

8. The Future of Internet Banking Instead of building an internet banking only, HiTRUST establishes the Banking Mechanism Over Internet for you. Bank Enterprise End-user XOI X Web Services X Turnkey XMLParser/Builder XSSEERRVVEERRXSSEERRVVEERRSERVER TransactionServices PaymentServices EBPPServices FactoringServices XXXServices BackendLegacySystemsHostMachinesOutgoingConnectionsetc. Users enter the service system through IFX portal Analyze the IFX/XML messages Functions of services Services supported by legacy system,etc. To be a Convenient Financial Service Portal The positioning of IFX

9. Contact Us Beijing Beijing HiTRUST.COM Technology Company Ltd. Address: 1808, #9, Zhong Guan Cun South Street, Beijing, China (100081) Tel: 8610- 68914735 Fax: 8610-68481259 Shanghai Beijing HiTRUST.COM Technology Company Ltd. (Shanghai Branch) Address: Room 903A, Building A, Universal Mansion No. 168, Yuyuan Road, Jingan District, Shanghai City, China (200040) Tel: 8621-62490330 Fax:8621-62490326 Taiwan HiTRUST Inc. Address: 12F, 12, Tung Hsing Road, Taipei, 105 Taiwan Tel: 8862-27481000 Fax: 8862-27481068 Hong Kong HiTRUST.COM (HK) Inc., Ltd. Address: 9F, New World Tower 1, 18 Queen's Road, Central, Hong Kong Tel: 852-21316618 Fax:852-21358644 http://www.hitrust.com

10. As we believe that PKI infrastructure building or devices providing will never become a profitable business unless there are enough applications been provided, that’s what HiTRUST has been doing, and will do in the future. Thank You !