The document discusses a unified multi-purpose transaction card that aims to consolidate multiple cards into one card using patented dynamic magnetic stripe technology. It targets existing credit cardholders in Singapore in the first year and expanding worldwide thereafter, with over 1.4 billion existing cards and 13% annual growth in the Asia Pacific region. The technology faces competition from cash, credit cards, and pay-per-touch cards but projects increasing revenue and income over five years as it expands operations internationally through 2009 and beyond.

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

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

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

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

7. 1.4 Billion cards 300 million in AP 13% growth

8. Competition Pay Per Touch Cash Credit Cards

10. 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

12. Visa

13. The D ynamic Magnetic Strip