Crystal Clear Software Ltd.Crystal Clear Software Ltd.

COMPANY PROFILE

• A Uganda-based Company, founded in 1998

• ISO 9001:2008 Certified• Specialized in Software for Micro-

Finance• Branch Office in Costa Rica• Many Consultants all over the world

Make LOAN PERFORMER the standard for micro-finance

COMPANY’S PURPOSE

By creating a Product that is:• Flexible• User-Friendly• Customizable• Affordable

How?

LOAN PERFORMER INSTALLED BASE

321 Clients Use LPF26% in East Africa48% Rest of Africa17% Eastern Europe & Asia9% Caribbean & Latin Am. 720 Installed Sites

Data as per 01/11/2011

0

50

100

150

200

250

300

99 00 01 02 03 04 05 06 07 08 09 10

Number of Active Clients

• THIRTEEN YEARS IN BUSINESS 1998-2011

• Quality Award for Maintaining the highest quality in Management Quality Systems from Uganda National Bureau of Standards (Nov 2011).

• ISO 9001:2008 Certified for Quality Management Systems (Oct 2010).

• INNOVATIVE PRODUCT AWARD from Uganda Communications Commission (Oct 2010).

• Selected TWICE as one of the Top 100 MID-SIZED COMPANIES in Uganda by KPMG (Oct 2009, Dec 2010)

• 2Nd Runner up in the Small Scale Category at the INVESTOR OF THE YEAR AWARD 2009.

• Two out of the 20 winners of the CGAP (World Bank) Financial Transparency Award 2007 for MFIs use Loan Performer: Findev and Viator, both in Azerbadijan.

• WINNER OF THE AFRICAN SMME AWARDS 2005 in the Information and Communication Technology sector, Issued by the Centre for Investment Analysis (ACIA) of the University of Stellenbosch Business School in Capetown, South Africa.

• SILVER IN THE 5th PRESIDENT’s EXPORT AWARDS 2003 for being the Number 1 Exporter in the category of ICT Exports.

• INVESTOR OF THE YEAR AWARD 2003 for the “Best Software Development for the year 2002-2003” from Uganda Investment Authority.

General LedgerGeneral Ledger

• All Financial StatementsAll Financial Statements• BudgetingBudgeting

• AssetsAssets• Sales & PurchasesSales & Purchases

• Multi-CurrencyMulti-Currency• Export to Other Export to Other

Accounting PackagesAccounting Packages

LOAN PERFORMER MODULES IN 8.0

Savings ModuleSavings Module

• Savings Products• Time-Deposits

Loan Portfolio ModuleLoan Portfolio Module

•Tracking of Group Accts• Links to Savings/Shares • Printing Loan Contracts• PMT Tool

Client ModuleClient Module

• Individual Clients• Businesses

• Groups• Group Members

• Photos/Signatures

Fingerprint ScanningFingerprint Scanning (Add-on) (Add-on) SMS Banking (Add-on)SMS Banking (Add-on)WAN Connectivity (Add-on)WAN Connectivity (Add-on)

Shares ModuleShares Module

• For Inds. & Groups• Dividend

WHAT’S NEW IN 8.0?

• WAN Networking with Crystal Link• Biometric Fingerprint scanning (for user access as well as client validation)• SMS Banking• Multi-Currency• Poverty Assessment• Customized reports• Etc.

WIDE AREA CONNECTIVITY

CRYSTAL-LINK

WAN or Internet

WAN or Internet

Compressed & encrypted data

Compressed & encrypted data

LPF Clients(Branches)

LPF Server(Head Office)

Windows 2003 and later (even XP up to 10 Windows 2003 and later (even XP up to 10 connections)connections)

Internet Information Services (IIS)Internet Information Services (IIS)

Public IP addressPublic IP address

SOAP ToolkitSOAP Toolkit

LPF Server DLLs exposed as Web ServicesLPF Server DLLs exposed as Web Services

Database: SQL Server recommended for Database: SQL Server recommended for security reasonssecurity reasons

Connection 768 KBPS dedicated or higherConnection 768 KBPS dedicated or higher

Server Side

Windows 2000 and laterWindows 2000 and later

SOAP ToolkitSOAP Toolkit

Local Lookup tablesLocal Lookup tables

LPF Client – lightweight exeLPF Client – lightweight exe

Connection: 512 kbps Shared Connection: 512 kbps Shared InternetInternet

Client Side

Skills Needed to Support LPF 8.0 on WAN

• Installation & Configuration of IIS

• Installation & Configuration of SQL Server

• General Windows troubleshooting skills

FINGERPRINT SCANNING

Price: 100 Dollars Excl. VAT

High-performance, maintenance-free optical fingerprint sensor

Sensor resistant to scratches, impact, vibration and electrostatic shock

Auto-On™ (Automatic Finger Placement Detection)*

Smart Capture™ (Self-Adjusting Fingerprint Brightness)

USB connection

Removable weighted stand

Compact, lightweight and portable

Integrated finger guide

Readily accessible for any finger

Driver CD included

Three year limited warranty

Price: 150 Dollars Excl. VAT

FBI Certified "PIV Single Finger Capture Device"

GSA APL listed and FIPS 201 / PIV compliant

High-performance, maintenance-free optical fingerprint sensor

Sensor resistant to scratches, impact, vibration and electrostatic shock

Auto-On™ (Automatic Finger Placement Detection)*

Smart Capture™ (Self-Adjusting Fingerprint Brightness)

USB connection

Removable weighted stand

Compact, lightweight and portable

Integrated finger guide

Readily accessible for any finger

Driver CD included

When to use the Fingerprint Biometric Scanner?

Users Login

Savings Withdrawal Time Deposit Withdrawals

Disbursements

CAPTURE USER/CLIENT’S FINGERPRINTS

Put the thumb

on top of the

Scanner.

Click on

“Capture Image”

Do this once for each thumb.

If Fingerprint Login is activated, Username And Password are de-activated .

SMS/MOBILE BANKING

• General messages

• Send message when time deposit matures

• Send message after a savings deposit/withdrawal

• Send message after a savings transfer

• Send message after savings interest payment

• Check savings balance

• Send message after loan is disbursed

• Send message to guarantors after loan is disbursed

• Send repayment due reminder message

• Send arrears notice message to guarantor

• Check loan/arrears balance

FUNCTIONALITY SMS BANKING

REQUIREMENTS FOR SMS BANKING

GSM Modem/GSM Phone or SMPP Server

SIM Card + Airtime

Loan Performer 8.0

SMS BANKING

• Identification by combination of account, phone number and password

• All messages can be customized into local languages

• IMF can Charge Clients for SMS Services

SMS MESSAGES REPORTS FROM LPF

Unsent Messages

Sent Messages

Received Messages

Error Messages

OTHER FEATURES IN 8.0•    Poverty Assessment•    Bank Reconciliation• Loan Refinancing     • Foreign Exchange Transactions•   Overdrafts•    Check Books for Savings Accounts•   Custom Reports•    Automatic Updates of the Program• Automatic Closure of LPF if no activity etc.

WHEN? 2 DECEMBER 2011

NEW INSTALLATION?SQL SERVER LPF LICENSE (USD 3,000) +

USD 1,040 PER ADDITIONAL BRANCH for WAN +20% ANNUAL FEES

UPGRADE PATH? EXISTING BRANCH DATABASES NEED TO BE CONSOLIDATED

UPGRADE COSTS?SQL SERVER LPF LICENSE (USD 3,000) +

USD 1,040 PER ADDITONAL BRANCH for WAN +20% ANNUAL COSTS +

DATABASE MIGRATION COSTS (USD 300 PER DATABASE) –PREPAID ON PREVIOUS LICENSE(S)

PRICES NEW FEATURES IN 8.0• SMS Banking: +20% of license + 1$ per SMS account Fingerprint Scanning: +10% of license

plus USD 150 per scanner (ex-VAT) Web-access for customers (check accounts only): + 10% of license

• WAN Connectivity: 3,000 USD + 1,040 USD per additional branch

• Example MFI with 1 office, 5-user license with SMS+FPS (3 scanners): (1,600 + 20% + 10%) plus 20% annual fees plus 3 x 150 = 2,946 $

• Example MFI with 3 branches and 20 users with SMS+FPS (9 scanners): ((3,000+ (2 x 1600) ) + 20% + 10%) + 20% annual fees + 9 x 150 = 11,022 $

CRYSTAL CLEAR SOFTWARE LTD

P.O. Box 7463 Kampala Uganda3rd Floor King Fahd Plaza, Plot 52 Kampala RdTel:- 256-414-231739 Fax:- 256-414-233644

Email ccs@infocom.co.ugWebsite: www.loanperformer.com