Rubik builds software for banks to help them engage customers across channels, serve customers consistently, and help banks grow their business. Rubik's mission is to deliver a flexible and low-cost "Bank-in-a-Box" platform hosted in a secure environment. This will help banks reduce their technology costs and complexity over time. Rubik currently provides core banking software, payments, cards, collections and other products to over 300 financial institutions globally on its hosted platform.

1. An Introduction

2. Who are we?
Top 10
36%
51%
13%
4,014 Next
investors 10

3. What do we do?
Rubik builds software for banks to...
Engage Serve Sell Grow
Reach your customers Same details in every Make buying painless. Access a worldwide
anytime, anywhere on channel product catalogue
Provide your team the
any device
Clear overrides and knowledge to offer the right Proof the product now!
• Branch how to get them. product at the right time.
Pilot quickly
• Phone
Self service whenever
• Mobile
Scale with your success
possible
• Internet
• iPad
• ....?

4. Why buy from us?
Rubik builds software for banks that is...
Secure Design Multi Pay
ISO 27001 and PCI Customer relationships Brand Pay-as-you-Go pricing
at the centre of design
Regular Pen tests Company Short implementations
Integrated across
Screening Language Dot Net and SQL based
business lines
for low cost
Full BCP and DR Sites Country
APIs to allow extension development
over 300km apart
and easy integration Time-zone
Regular upgrades
High availability
configuration (99.5%)
Non-stop 24x7

5. Rubik's mission and vision
Mission
Rubik Financial will achieve compelling growth in shareholder value through exploitation of profitable
niches within the financial services sector.
Vision
Deliver a flexible, low cost, hosted, “Bank-in-a-Box” technology platform to financial institutions.
Bank-in-a-Box
Flexible
A suite of integrated systems for meeting banking system needs
Low cost
Decrease complexity & cost of technology
Hosted
Provide a secure, highly available, compliant environment

6. Long Term Strategy - 5 to10 years
• Deliver lower costs of products and services to consumers (members) by
decreasing the overall cost of delivery
• Reduce technology spend to reduce cost-to-income ratio
• Manage entire technology needs of 75% of all financial institutions in
Australia and New Zealand – ie. deliver scale benefits to the majority of
Financial Institution market
• Deliver specialist product solutions to T24 customers and financial
institutions worldwide
• Provide a multi-tenanted, highly configurable ‘Bank-in-a-Box’ capability with
services priced “pay-as-you-go”

7. Financial services is IT Intensive
Customer Segments
Value Mass Market Premium High Worth Private
Distribution Channels
IVR/Call
SMS/Mobile ATM/ EFTPOS Branch Broker Internet
Centre
Products
Transaction
Home Loans Consumer Loans Equities Managed Funds
Accounts
Credit Card Overdrafts Savings Accounts Insurance Commercial
Infrastructure Services
Authorities Imaging Documentation Payments General Ledger
Security Reporting Interfaces Audit Customer Data

8. Product offering today – in-house or on demand
Core Internet Phone Collections
Bank-in-a-Box Online Banking Phone Banking -IVR 1st Party - CWX
SPX Payments
Exchange Online Applications VoIP Systems 3rd Party - Mercantile
Card Management Factor2 Mobile Banking Legal Recoveries
Bpay Secure Portal Cash Dispenser Agency Management
Tablet Apps Delinquency
Already hosted for customers by Rubik

9. Value added at each level
Rubik is assisting the technology teams of institutions by freeing them
up to do “high value” business tasks.
Just as assembling boxes and running data centres has become a
specialist task, the basic operation and management of core
applications can now be handled by a partner, allowing staff to focus on
configuration and new product delivery.
• Products • Localisation
• Fees • Regulatory Reporting,
• Workflows • Interfaces
• Branding • Channel Products
• Core system • Networks
• General Ledger • Hardware

10. What’s in the Box?
Branches Channels: Internet, Mobile, Phone, Tablet Banking, SMS Banking
RTI - Rubik Transaction Interface
Other FI’s:
Cards Member Wpac, ANZ,
Cheque CBA, NAB etc
Security Layer
Collections Interface Layer Direct CUSCAL,
Entry INDUE, WIBS
T24
Loans - DI
Accounts – Members – Rules -
Processes - Transactions Bpay
BPAY
CRM View
Interface Layer
ERP Security Layer ATM/EFT
FDI, WIBS
POS
External Parties: APRA, ATO, Austrac, AFIC, ASIC, Veda, Experian

11. T24 modules “in the box”
Web Call Centre Branch Mobile IVR Other Systems BPEL Engines
Open Financial Service (OFS) – Web Services - SOA
Security Management System
Process Workflow
Deposits 360 ° View Collateral Business Insights Order Book Capital Markets
Savings Customer Contact Log Multi Time Zone Modelling Forex
Mortgages Past Due Commercial Loans Multi Company Performance Money Market
Consumer Loans Funds Transfer Cash Management Multi Language Settlement Swaps
Card Management Tax Engine Guarantees STP Repair Fiduciary Deposits Futures / Options
Components
Advices Teller Leasing Branch Resilience Market Risk Repos
Statements X-Selling Trade Finance Profitability Basel II / III Structured product
Sweeps Document Mgt Comm. Bills Discount Loans Sweeps/DD/SO FRA
Accounts Image Mgt Product Catalogue Wealth Mgt Euro Confo Matching
Direct Debits Card Management Campaigns IAS 39 - Hedging S.W.I.F.T. Corporate Actions
Cheques Banking GL Analytics Asset Mgt Nostro Recs Syndicated Loans
Standing Orders Limits Dev Tool Kit Margin Trading Custody Brokerage
OLAP Data Store Data Warehouse

12. T24 – The Leading Core Banking Solution
• Broad, modular functionality
• Customer relationships at the
centre of design
• Integrated across business lines
Flexibility
• Process workflow to channels Single
Product
• Mission critical - 24*7 Non Stop Parameters,
technical
• Massively Scalable One T24
extensions
• Multi: Company, Language,
Country, Time-zone
Open Simple
Upgrade
Platform,
Design, Automated,
Database, Annual
Connectivity

13. T24 - R&D spend = Strong Roadmap
% of revenue on Research & Development
25.00%
Temenos*, 19.91%
20.00%
CB2, 14.71%
% of revenue
15.00%
CB3, 14.22%
10.00%
CB4, 5.6%
5.00%
CB1, 3.76%
0.00%
2003 2004 2005 2006 2007
R06 – 2006 R07 – 2007 R08 – 2008 R09 – 2009 R10 – 2010 R11 – 2011
•Non-Stop •Enterprise •Data •BPEL / BAM •Corporate ARC- •AJAX screens
•Multi Book Console Warehouse •Model IB •Additional AA
•Global •Branch •Arrangements Processes •Alerts •Wealth
Processing Resilience •ARC / CRM •Structured •Provisioning •BI/MIS
•SEAT Metrics •Mutual Funds •ARC – IB Products •RIA Browser additions
•Product •Browser 2 •T-Verify •GA •IFRS
Catalogue •Updates

14. Phone Banking
• 180 installations with 150+ ADI’s using system in Australia
• Analogue, digital or VOIP
• Many features
Internet
• Balances
• Transactions VOIP
PSTN
• Payments E1
IVR
• Process automation RTI
PABX Phone
• Limit controls Host Interface
Banking
• Locator services
• Hosted or in-house
• Disaster Recovery site
CORE
Management
Reports
Console
Database

15. Mobile Banking
• Many phones supported, including
iPhone, BlackBerry, Android and
Nokia
• Audio enabled
• Easy to use & intuitive User
Interface specifically designed for
the mobile phone - not a scaled
down standard Internet banking
app
• SMS and mobile broadband
solutions to meet local market
needs
• Banks already seeing more mobile
users than web!

16. “Gen 3” - Internet Banking
• Ability to customise for every
customer
• Highly secure
• Layered security
• Session Replay
• Function containers
• Massively scalable with over 50K
concurrent users per server
• API to add further services or
partners
• Tablet ready

17. Card Management System ATM/EFTPOS
Other Financial
• Inexpensive system with multi- Institutions
brand / multi-bin
SWITCH
• Browser based for mobile FDI / CUSCAL /
WIBS
deployment
• Either use batch card production
or personalised cards Gateway
Card Settlement
• Pay per brand and card Transactions
Updates Reports
EFG CMServer CMS
Transaction Processor (Backend) Web Interface
CMS
Database
User User User
CORE

18. Bpay Biller & Payer
Other
Institutions
• Biller - Allows organisation to
rapidly create and manage billers
• Payer – drives the value BPAY
processing of Bpay files
• Browser based so authority can Card Payment
be devolved to customers Management Files
System
• Could be used for business CORE
customers, or for customers of BPAY Biller
your clients Driver
BPAY
System
BPAY Biller
ELUS Web Interface
User User User

19. SPX - Settlements & Payments Exchange
• Integrated payment platform
• Hosted payment processing for smaller banks
• Inter-bank Settlement & Payments across branch network / subsidies
Cheques Utility Payments Salaries & Wages
Money Transfers Creditor Settlements Unemployment Benefits
Bill Payments Dividend Payments Direct Debits
ACH Payments Cheques, Money order Bill Payments to EDI Settlements to
printing & utilities/service registered EDI
Across any Financial companies participants
Institution Reconciliation

20. CWX
A single platform that consolidates all relevant information of a
customer and their accounts to provide a full view of the customer
exposure to your organisation.
Core Customer
• Customer/Account • 360 degree view
• Loan • Workflow
• Mortgage • Correspondence
• Scoring • Reports/ Export
Additional
External Modules
• Analytics
• Agency Management
• Scoring
• Legal Module
• Data Warehousing
• Management Console

21. Management Console - Promises

22. Secure Hosted Environment
•High physical security, including Biometric Entry,
anti-ram, 4 ISPs, 2 power providers and warm diesel
backup etc.
•Highly Protected T4 rating from ASIO and DSD
•Sites over 300km apart
•ISO 27001 & PCI certification
•High Availability configuration (99.95% )

23. Decreasing costs by:
• Lower selection cost
• Reduce cost of sale / selection by grouping core system selection processes for multiple
clients at once
• Pricing, contracts and offering transparent to decrease negotiation cycle
• Lower implementation costs
• Centralised hardware platform already operational ensures:
• Design and Set-to-work not required
• Virtual servers and SAN scale with demand
• Pre-integration with third party connections eg. ATM, EFTPOS, Bulk Payments
• “Commodity” based choices for key hardware and software
• Rapid gap analysis of product and workflow differences from “Model” starting point given
common offerings
• Lower cost of ongoing usage
• Pay as you use / volume based pricing
• Access to large developer pool given dot net and SQL development environment
• Single annual upgrade process managed by Rubik for all customers
• ‘Open” system so data and development not hostage to hosting provider

24. Benefits Rubik provides
• Resources & Skills
• 65 staff with domain experience in banking
• Specialty skills in integrations to core systems
• Local / Global partners on call
• Lower project risk
• Proven and stress tested infrastructure
• Prebuilt basic design elements
• Tight scope/gap control
• Certified interfaces

25. Final Slide
Rubik Financial Limited
ABN 51 071 707 232
• 10/17 Castlereagh St, Sydney, NSW
• 1/1 Eden Park Drive, Macquarie Park, NSW
• 4/68 St Georges Terrace, Perth , Western Australia
• 24/22 Clifford Centre, Singapore 308900
• PO Box 213314 Dubai UAE
PO Box 4808
Sydney NSW 2001
Phone: +61 2 9488 4000
Fax: +61 2 9449 1116
www.rubik.com.au