IVH Solutions is a joint venture between a Swedish software company and a Dubai-based business group. It develops innovative security and integration products for online banking, including a single sign-on solution, data integration tools, and applications for customizing credit cards and secure messaging. The company aims to increase efficiency and build new delivery channels through intelligent software and encryption technologies.

1. IVH Solutions Company Presentation 23 rd September 2010

2. Content IVH Solutions – About us Our Partners Products and Solutions Why IVH Solutions?

3. IVH Solutions Headquartered in Dubai (UAE); IVH is a joint venture between Integrico, a Sweden based software and integration solutions provider, and Venture Horizon Group, a Dubai based business house.

4. IVH Solutions Integrico – established in 2002 , has delivered many successful IT projects and solutions to the leading banks and telecom companies in the Scandinavian region. A centralized tag solution. Delivered several internet banking and infrastructural projects A Complete Internet Bank solution Mobile device management solution

5. IVH Solutions IVH Solutions is a technology-driven Company, developing innovative products and solutions that increase user confidence in the electronic infrastructure, increase service efficiency and build new delivery channels through the application of intelligent software, encryption and related technologies. IVH Solutions’ areas of focus are online security, online banking services, integration products and solutions.

6. Founders Sherry Warsi CEO M. Sc. from Royal Institute of Technology in Stockholm Over 10 years experience in IT industry 5 years experience in leading complex IT projects Strong analysis and technical skills Good communication skills Samir Thakran Chairman of the Board CEO & Chairman for Venture Horizon Group Experienced in Trading, Real Estate & Investments Over 10 years experience in middle east market Strong communication skills Raheel Warsi Board Member CEO for Integrico AB Senior System Architect Over 10 years experience in IT industry Strong analysis and technical skills

7. Products/Solutions and Services Integrico has delivered management services for banks in Sweden: *References will be provided on request Improving external firewall with new functionalities such as IDS (Intrusion Detection System) and IPS (Intrusion Prevention System) Upgrading Internet bank application to newer version of application framework and application server Upgrading eLearning system Upgrading and redesigning database Helped with building an efficient organization for handling security

8. Products/Solutions and Services cont. Artistic Card A web based solution which enables end users to customize their credit cards.

9. Products/Solutions and Services Sifon Framework A multi-layer integration platform based on J2EE technology. Using the Sifon Framework Enterprises reduce the development time and maintenance time. Component based Fully J2EE compliant. Fully portable components to other applications and/or platforms. Independent components which means that change in code and tests can be limited to only one component. Independent of all technical platforms supporting EJB technology. A central generic replication module secures high availability and high performance for connected systems even if those systems do have themselves substantial problems with performance and availability.

10. Products/Solutions and Services Sifon Framework Application Server (J2EE) Application Framework Processing objects Connectors DAO Client API

11. Products/Solutions and Services Sifon Framework – Multichannel support Middleware Layer Front-End Layer Back-End Layer Data Warehouse Legacy Systems External Systems Secure Multi-Channel Front-Ends for Customer and Employees Content Management System CRM System Applications Wrappers

12. Products/Solutions and Services cont. Sifon Verifier A single sign on solution for navigating between different sites in a secure way. Sifon Verifier enables users to transparently logon to external systems.

13. Products/Solutions and Services cont. E-Post Box E-PostBox offers banks and organizations a secure communication channel between them and their clients/employees. The solution decreases cost by offering a centralized focal point for access and storage of messages and documents.

14. Products/Solutions and Services cont. SABA Saba provides unified solutions for people management across learning, collaboration, performance, compensation and talent management, enabling customers to align, develop, manage and reward their people.

15. Products/Solutions and Services cont. Logon & Signing using OTP (One Time Password) A secure mechanism for authenticating a customer and signing a contract or document based on Vasco products.

16. Products/Solutions and Services cont. IVH Data Integrator A mechanism for offline and online integration of data between different systems

17. IVH Solutions – Customers & Partners Customers: Partners :

18. Why IVH Solutions? Experienced team of professionals with backgrounds of Scandinavian and Indian IT market Strong references in custom designed products for banks and large corporate companies

19. Contact Us IVH Solutions Office #601, Indigo Tower, Jumeirah Lake Towers, Dubai. PO Box 2061 Tel: +971-4- 447 0566 (Dubai) Fax: +971-4- 447 0567 [email_address]