1. Payment processing re-invented Mark Bradbury, CEO

2. Why engage with Apply ? Achieve near 100% STP Speed of deployment Improved customer experience

3. Improve STP Realtime Check of all beneficiary details with fix recommendations Notes area to assist Payment operations Single Payment & Payment Files Message format Information Provided In Country Payment requirements provided

4. Speed of deployment Single API integration – multiple functions Secure testing and support provided free of charge Templated white label for Browser deployment All updates, upgrades, changes and fixes are transparent to systems and users

5. Improved Customer Experience Realtime validation through integrated API Cleans data before bank handles payment Saves time and money on error fixing and bank charges Single & Bulk Payments Transparent to end user but fixes any input errors

6. What makes our solutions unique ? We validate in as many ways as possible Multiple account number formats per country Domestic bank codes International bank codes (BIC, CHIPS, etc) Domestic and International Modulus routines Excluded account numbers We have a broad data set in addition to bank codes including Payment message requirements Holiday data Payment network membership Correspondent data Contact information

7. Why are our Solutions Unique ? Real-time single and bulk file validation integrated allowing our users to correct and access their data via both the API and User interface self-service allowing our customer to control their own users and data and provide management reporting pro-active rather than reactive by allowing our users to amend data before it’s a problem. Smart algorithms to “decipher” your customers inputs (i.e account type and code type) and respond giving real value to your client applications tailorable so that our customer gets the response they need and can provide a more personalised service to their clients The solutions are:

8. Why our customers choose us Ease of Use Our simple customer focussed delivery via intuitive UI and REST API, ensures that our solutions are easy to use for validating single or bulk payment instructions Fit with Customer Processes Our solutions have integrated interfaces and a single REST API which fit with your flows, can be deployed anywhere in your payment lifecycle and multiple instances. Rich Functionality Our solutions are rich in functionality and content and updated seamlessly to your organisation and customers, which means that as bank and regulatory requirements change our solutions change with them. Unique Data Our solutions contain data from multiple sources and allow our customers to manage their own “private” data ensuring your customers get the results they need

9. Validate API Check and Fix API & UI Validate API & UI Check and Fix API & UI Validate API & UI Check and Fix API & UI Validate API Payment Stages Product Bank Interface Function Performed at this stage The Flow and where our solutions fit Mobile Application Internet Banking Bank Branch Corporate Portal Internal Bank App Third-party Lookup Tool Core Payment Engine Internal Bank App Internal bank systems Payment backbones e.g. MQ SWIFT gateways Payment Details captured Beneficiaries Stored Additional payment details captured Beneficiary details confirmed Additional fields completed for payment message Checking of settlement instructions and payment routing Fraud checks Sanctions screening Routing choice, network or correspondent Transaction monitoring Transaction repair Payment instructions are converted and turned into messages for the routing systems Gateways to clearing networks

10. Apply Contact Details For more information please contact Mark.bradbury@applyfinancial.co.uk Or call on +44 7802 514502 Website : www.applyfinancial.co.ukwww.applyfinancial.co.uk Blog : http://www.applyfinancial.co.uk/news/news.htmlhttp://www.applyfinancial.co.uk/news/news.html Browser functions : http://bit.ly/19n5uNShttp://bit.ly/19n5uNS