One is all you need U.N.I.V.E

We are… ‘ Unified Multi-Purpose Transaction Card’ provider

Problems Cardholders carry TOO MANY cards at one time “ Frankly… Will you bring ALL of them out??”

All-in- ONE NO CHANGE in consumer spending habits required Encourage SPENDING among cardholders Solutions

All-in- ONE

NO CHANGE in consumer spending habits required

Encourage SPENDING among cardholders

Patented Dynamic Magnetic Stripe Technology Magnetic Stripe RFID Smart Card Chip

Magnetic Stripe

RFID

Smart Card Chip

Market Segment Primary Target (1 st yr) Existing credit cardholders in Singapore Secondary Target (2009 0nwards) Expansion into worldwide credit cardholders

1.4 Billion cards 300 million in AP 13% growth

Competition Pay Per Touch Cash Credit Cards

Unit Economics Initial investment of $1.5 million (in stages) on operations, research and market reach $180,000 $120,000 $100,000 $80,000 $60,000 $40,000 $20,000 $3,500 $3,000 $2500 $2,000 $1,500 $1,000 $ 500 $ 0 1Q08 2Q08 3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 2010 2011 2012 Revenue z z Expenses Graph in millions (‘000)

Initial investment of $1.5 million (in stages) on operations, research and market reach

Revenue and Income over 5 years Revenue EBIT D A $173,000 $180,000 $120,000 $100,000 $80,000 $60,000 $40,000 $20,000 $3,500 $3,000 $2500 $2,000 $1,500 $1,000 $ 500 $ 0 Graph in millions (‘000) $59,300 1Q08 3Q08 1Q09 3Q09 2 010 2 011 2 01 2

Milestones 2008 Opened Singapore Will open in Indonesia, Taiwan, Hongkong and China 2009 Expansion into India, Europe and US (20 locations) 2010 onwards Open 5 – 6 offices across US following clients’ locations

Milestones

2008

Opened Singapore

Will open in Indonesia, Taiwan, Hongkong and China

2009

Expansion into India, Europe and US

(20 locations)

2010 onwards

Open 5 – 6 offices across US following clients’ locations

Visa

The D ynamic Magnetic Strip