Arius Presentation

part 1

Table of Contents

Section 1: Overview of Arius

Section 2: Asoft Product Line

Section 3: Arius Solutions Architecture

2

Section 1: Overview of Arius

ARIUS EFT Software producer &System Integrator

» 14 years of experience

» 30+ Systems in Banks and FinancialInstitutions in Europe and Africa

» 300+ ATMs and 19,000+ eft pos terminals

» 4,000.000+ transactions per month

» 100 people in five countries in Arius

» 40 Software developers

» Arius Swiss

» Arius, Belgrade

» Arius Nigeria

» Darius (Joint Venture with Diners), Macedonia

» Arius, Bosnia and Herzegovina

ARIUS Company Network

Arius a.d. Relationships

Arius Nigeria Relationships

KEY RELATIONSHIPS

ARIUS QualityArius’software incorporates the latest industry standards

» Arius’ family of software productsis open, standards-based, andeasy to implement.

» All Arius products are labeled bythe same AsoftEFT brand name(Arius Software for ElectronicFund Transfer).

» Products provide security,performance and scalabilitybecause they are implementedwith robust IBM WebSphereinfrastructure software.

» With WebSphere, IBM providesArius with the best of the breeddeveloping tools andinfrastructure ready for futuredevelopment such as RFID,pervasive computing, mobile andspeech technologies, etc.

» ARIUS is an IBM ”AdvancedPartner” and is listed in GlobalIBM solutions directory andApplication Show case.

»ASoftCMS Card Management, (back office);

»ASoftMP Main processing, (back office);

»AsoftMTopUp Integrated airtime refilling System, (back office);

»AsoftCMS/Retail Card Management System Retail/Loyalty, (back office);

»ASoftTFM Transaction flow management (financial network connectivity:switching, protocol conversion, security, );

»AsoftTMS Terminal and merchant Management System, (front office);

»AsoftPOS multi function eft-pos application (Verifone, Ingenico), (frontoffice);

»AsoftATM/Insight ATM monitoring system, (front office);

»AsoftATM WEB application (WOSA/XFS, NCD+, Diebold 912), (front office)

»AsoftPetrol (petrol station mgmt system) - manages every aspect of petrolstation operations able to track every drop of fuel from fuel depot to customers’fuel tanks

»AsoftLottery - Real-time comprehensive gaming application software thatprocesses lottery and other games’ transactions from EFT-POS or SMS to back-end server.

Asoft EFT Products

» Banca Unione di Credito, Zurich» Komercijalna Banka, Belgrade» Komercijalna Banka, Budva» Raiffeisen Bank, Belgrade» Processor EuroPlanet, Belgrade» National Sports Lottery, Nigeria» Credy Banka, Kragujevac» Volks Banka, Banja Luka» Elektrovojvodina, Novi Sad» Unicredito Serbia, Belgrade» Unicredito, Banja Luka» Metals Banka, Novi Sad» National Bank of Greece, Belgrade» Ministry of Internal Affiaris, Belgrade» Ministry of Foreign Affairs, Belgrade

ARIUS Client List

» SG Podgorička Banka, Podgorica» NLB Continental Banka, Novi Sad» NLB Razvojna Banka, Banja Luka» HYPO Alpe-Adria-Banka, Banja Luka» HYPO Alpe-Adria-Banka, Mostar» HYPO Alpe-Adria-Banka, Belgrade» HYPO Alpe-Adria-Banka, Podgorica» Banca Popolare di Sondrio, Switzerland» Diners Club International, Belgrade» Diners Club International, Macedonia» Kasis, processor, Macedonia» NLB, Tutanska banka, Macedonia» Post Saving Bank, Belgrade» Macedonia Lottery, Macedonia

» VIP Belgrade» Mtel, Banja Luka» T- Mobile, Skopje» 3Line, Nigeria» Mtel, Banja Luka» DDOR, Novi Sad» Macedonian Lottery» Finter Bank, Zurich» Erste Banka, Novi Sad

Core BankingSolution

R & D

Innovation

The commitment to Swiss Quality and technology

EFT Solutionand ChannelTransformation

• Software in accordance to the Swiss regulation and banking tradition;• Data Confidentially System

Solution Quality

A prestigious magazine in Nigeria:Financial Technology

chose top 14 financial technologytrend setters in Nigeria for 2008 and

ranked Arius 3rd

Arius Growth: number of banks

ARIUS BANK CLIENTS

ARIUS BANK CLIENTS

0

5

10

15

20

25

30

35N

um

ber

of

Ban

kC

lien

ts

2002 2003 2004 2005 2006 2007

Arius Growth: number of eft-pos terminalsARIUS GROWTH IN EFT-POS TERMINALS

0

2,000

4,000

6,000

8,000

10,000

12,000

14,000

16,000

18,000

20,000E

FT-

PO

ST

erm

inals

2002 2003 2004 2005 2006 2007

Air time recharge growth

GROWTH IN MOBILE AIRTIME REFILLING

0

1,000

2,000

3,000

4,000

5,000

6,000

7,000

8,000

9,000

10,000

Gro

ss

Air

tim

eR

even

ues

(US

$in

tho

usan

ds)

Q1 2006 Q2 2006 Q3 2006 Q4 2006 Q1 2007 Q2 2007 Q3 2007

Revenue Growth

HISTORICAL FINANCIAL RESULTS (FYE 12/31)

($ in millions) 2003 20041 2005 2006 20072

Gross Revenues $4.4 $4.6 $6.8 $14.7 $36.5

Net Revenues $4.4 $4.6 $5.7 $6.5 $7.3

Gross Profit $2.8 $3.4 $3.7

Profit Before Taxation $0.2 $0.3 $0.2 $0.2 $0.4

Profit After Taxation $0.1 $0.3 $0.2 $0.2 $0.4

Arius has the best solution for your needs.Please contact us today for a freeconsultation.

Telephone: +381 11 260 07 44Fax: +381 11 244 93 29

E-mail: dmitrovic@arius.rs