1. Internet Business Service Provider

2. “IT” AS A UTILITY! Power Utility Via Cable Water Utility Via Pipe IT Utility (Cloud) Via Internet

3. CLOUD BENEFITS • Access the power of the latest technology • Businesses can scale costs to fluctuations in demand • Improves business & IT responsiveness • Reduces IT staff and frees up human resources • Extends reach into customers (new income opportunities) • More secure and reliable delivery • IT becomes operational expense, not capital cost • Cut energy and delivery costs • Modernize and keep pace with the work place evolution

4. WHO ARE WE ! Cloud Application Service Provider SWEDEN Technology HONG KONG Administration DUBAI Management 25 years - 50 countries - 330 personal

5. WORLD-WIDE CLIENTS Security and Encryption specialist for over 25 years

6. WHAT WE DO ? • Provide specialized platforms • with software applications for • centralized Internet based • virtual services • Used like a utility service: • - Connect as required • - Pay for what you use • - No technical worries • - No capital cost Accessible Scalable Reliable Cheaper Secure

7. CLOUD PLATFORMS & APPS

8. Business Admin APP. Customers can access their Business Administration Platform direct from our cloud service and handle their business from any computer with any operating system • Invoices and quotations • Purchase orders and payments • Letters, e-mails and SMS • Audit, VAT, salary and income tax • Salary and sales commission • Book keeping and cash register • Point of sales payments with cards • Customer relation management (CRM) • Calendar and time booking • Web hosting and e-shop

9. Internet Banking APP. The IBSP service includes a complete Internet Banking Platform for payment of invoices and transfer of money to any IBSP account or via SWIFT to any bank world-wide • Account overview • Latest transactions • Create new accounts • Create bank transfer templates • Pending transfers • Deposit money to your account • Payment of bills and invoices from IBSP accounts or with Cards • Create transfers to Banks, IBSP accounts or Western Union • Corporate salary platform • Activate Merchant and Mobile Banking Platform

10. Mobile banking APP. Mobile phone users are able to use their mobile phones for payments and transfers of money with strong encryption via SMS or internet connection • Secure Internet based mobile transactions • Encrypted transactions Mobile to Mobile • Mobile phone IBSP merchant functions • Topup your IBSP account from your credit card • Check your IBSP balance • Pay bills direct from your mobile phone • SMS authenticated transactions • SMS invoice and ticket payments • SMS salary functions

11. MOBILE MERCHANT APP. Merchants can register to receive fast , secure and instant payments from Mobile Phones or Point Of Sales terminals • Register for free • Activate payments of goods by sending a one time code • Card, Finger print and Mobile phone purchases • Block reserved amounts for scheduled payments • Clear the agreed purchase amount instantly • Make daily merchant reports • View latest transactions from paid customers • Check your merchant account online • Send merchant account statements to your e-mail • Replace middle man service costs (i.e. Credit cards)

12. INTERNET SALARY APP. Corporations can handle salary functions for their staff with our white branded Cloud based salary solution • Register employment information for staff • Create a personal login to private salary account • Receive a salary IBSP debit card • Topup your salary IBSP card from your IBSP account • Transfer for free to other private IBSP accounts • Make remittance payments to family and friends • Pay bills direct from the Internet banking platform • Connect the salary account to mobile banking solution

13. MOBILE PHONE SALARY APP. Customers without access to the internet can use their mobile phone as a salary account, where by they can receive their salary and account information via SMS • Register the mobile phone number as salary account • Receive a secure PIN code • Receive account statements to e-mail address. • Topup your salary debit card from your mobile salary account • Transfer for free to other private IBSP accounts • Make remittance to family and friends from the mobile • Make bill payments from the mobile • Receive a salary IBSP debit card

14. CLOUD SECURITY APP. Public & Private Cloud Security System • Features: • Multi Factor Authentication • USB Security Device • USB function self destruct • VPN connection • Automatic Key Management • Key Safety Zones (HCM) • Key Expiration Time • Automatic Encryption • Automatic Shredding • Intrusion Detection • Digital Signatures • Encrypted E-mail • Encrypted instant Chat • Administrator function • Executive Administrator • Benefits: • Encrypted Access to Cloud • Encrypted Communication • Encrypted Database • Encrypted Activity Logger • Encrypted Backup • Superior Cloud Security Clients USB Device with Multi Factor Login

15. TRANSACTION PROCESS Innovative Cloud Financial Applications BANK Customers Virtual Accounts IBSP Pool Account Mobile phone Apps. with encrypted SMS or Internet World-Wide Money Access Points Encrypted Internet connection from different terminals

16. STRATEGIC ADVANTAGES TELCOS / MOBILE CARRIERS: • New Value-Added Services (VAS content providers) • Encourage mobile phone owners to use their phones more • Attract new subscribers with innovative services • Drive up Average Revenue Per User (ARPU) • New “transaction” revenue opportunities using mobile phone • Potential premium rated short messages Examples: • Mobile C-2-B purchases (Merchant transactions) • Mobile to Mobile money transfers (Remittances) • Mobile money transfers to different accounts • Mobile Bill payments • Mobile Salary receipt

17. STRATEGIC ADVANTAGES BANKS / FINANCIAL SERVICES: • Innovative value-added services via mobile phones • New revenue stream via mobile phone (SMS transfers) • One “pool account” for many virtual user accounts • Attract new customers with innovative products • Reduce hard costs of banking transactions • Reduce merchant transaction fees • Instant virtual settlement of transactions Examples: • Mobile phone C-2-B purchases (Merchant transactions) • Instant virtual mobile-to-mobile money transfers (Remittances) • Company Salary remittance to Mobile phones users • Micro transactions using mobile phones

18. MORE ABOUT US

19. THANK YOU !