1. Loyalty Product Family

2. Card Personalization System Sigmenta’s operating model Headquarters in Madrid, Spain Main shareholder is GMAST Group of Israel Dedicated to the Research, Development and Implementation of Synchronic Transactional Technology (STT ® ) Operating in: Europe North and South America

3. Card Personalization System Spain Software Development and Sales Offices in Europe, USA and Latin America Israel – 27 countries Physical Security Border/Perimeter Security Turnkey Security Projects Israel Group R&D Venture Capital GMAST International

4. Card Personalization System Venezuela Integrated Security Services Product Representation Services Security Operations Outsourcing Research and Intelligence Venezuela Software Factory In-house development and deployment of GMAST applications. Off-shore outsourced development services for clients GMAST Group

5. Card Personalization System Loyalty Drivers Institutions need to avoid “product commoditization” and create differentiation Image improvement Increase Customer satisfaction and prevent “customer attrition” Strength relationship with corporate & commercial customer Fulfill customer needs Increase the customer wallet share and number of products by customer Create loyal customer base

6. Card Personalization System Loyalty Product Description The product rewards cardholders due to level of relationship with the institution Reward is represented by “points” that accumulate in a “point account” Points are granted based on pre-defined rules by the bank and/or merchant Rules could include: Purchase amount, frequency, etc Use of ATMs, POS, Internet banking, etc New account opening New credit operations Increase or maintain balance in savings, checking, DDA, etc Permit the institution to incentive specific product use or customer behavior

7. Card Personalization System Intelligent Interface to external Systems Synchronous Decisions Makers Credit-Debit Card System Transaction DB contains user profiles indicator Loyalty Architecture Loyalty front-end application Multi Brand Interface