CENTER OF FINANCIAL TECHNOLOGIES Group of Companies business overview expertise & innovation ABOUT THE COMPANY https://cft.group/

CFT is a leading Russian fintech vendor that provides access for financial industry players to world-class technologies for conducting business and rendering to customers

Established in: Market position: Key competencies: 1991 TOP-5 • Development of software and services for One of the top 5 largest software • all kinds of banking activities developers in * • operation of banks in the payments market • insurance companies, treasuries, corporations

* Based on CNews Analytics ratings • Outsourcing of • support and development of CFT systems and services • data centers for software hosting

2 KEY BRANDS https://cft.group/ Access to the CFT fintech platform allows any financial player to compete with leaders in their market segments in terms of business process efficiency as well as the price and quality of services provided

Core Banking: Money transfers: Online banking: Comprehensive service Solutions for payment core banking system for online, offline Internet banking, for issue and acquiring acceptance banks of any business scale mobile banking of IPS, MIR and in favor of service providers Loan repayment and KoronaPay cards Corporate systems: replenishment of cards management of corporate of any Russian bank financial flows Banking self-service platform: Solutions for NBFIs: technologies for the bank’s business automation for insurance companies interaction with the FPS, management of payments, Loyalty programs products and cash in the bank’s Gift cards payment infrastructure (certificates, payment gift cards) All solutions of CFT Group

3 REGIONS OF PRESENCE https://cft.group/

Moscow – commercial, implementation and support hub

Saint Petersburg – main software development and support hub

9 offices in leading economic Chișinău regions of Russia Foreign representations in Almaty, Dushanbe and Chișinău Rostov-on-Don Perm

Tomsk Omsk Novosibirsk Khabarovsk Barnaul

Almaty

Dushanbe

4 MARKET POSITIONS https://cft.group/ For over 10 years now, CFT has been consistently ranked highest among top Russian IT companies in federal ratings

2nd 3nd 3rd in the rating of largest in the rating “Software in the rating of Russia’s bank IT vendors Development” largest IT developers 1. Epam 1. SKB Kontur 1. 1С 2. CFT 2. LANIT 2. X-holding 3. Sberbank-Technology 3. CFT 3. CFT 4. Softline 4. Infotecs 4. SKB Kontur 5. ITG 5. iTeco 5. Security Code 6. Jet Infosystems 6. Positive Technologies 6. RAMAX Group 7. Lanit 7. Itransition 7. Voskhod 8. Sberbank-Service 8. RAMAX Group 8. ICL 9. iTeco 9. ICL-КПО ВС 9. Lanit 10. Croc 10. CROC 10. I-teco

Overview “IT in Banks and Insurance Ranking of Russia’s largest ICT groups and CNews Analytics, Overview "IT Market: Companies 2019”, CNews Analytics, companies based on the results of 2019, Results of 2019”, May 2020 October, 2019 RAEX rating agency (Expert RA), 2020

5 MARKET POSITIONS https://cft.group/ For over 10 years now, CFT has been consistently ranked highest among top Russian IT companies in federal ratings

2nd 2nd 3rd in the rating of largest in the rating “Software in the rating of Russia’s bank IT vendors Development” largest IT developers 1. Epam 1. SKB Kontur 1. 1С 2. CFT 2. CFT 2. Kaspersky Lab 3. Sberbank-Technology 3. LANIT 3. CFT 4. Softline 4. Infotecs 4. SKB Kontur 5. ITG 5. ITG (INLINE Technologies Group) 5. Nexign (Peter-Service) 6. Jet Infosystems 6. iTeco 6. Atol 7. Lanit 7. Itransition 7. Lanit 8. Sberbank-Service 8. Aplana 8. Security Code 9. iTeco 9. Software Product 9. ITG (INLINE Technologies Group) 10. Croc 10. CROC 10. Infotecs

Overview “IT in Banks and Insurance Ranking of Russia’s largest ICT groups and CNews Analytics, Overview "IT Market: Companies 2019”, CNews Analytics, companies based on the results of 2018, Results of 2018”, June, 2019 October, 2019 RAEX rating agency (Expert RA), 2019

5 FINANCIAL PERFORMANCE https://cft.group/ Dynamics of revenue from sale of products and services of CFT Group in the past five years

Revenue* CFT Group, bln rub** 25,4 21,0 22,5 17,5 20,6

2015 2016 2017 2018 2019

* certified by KPMG ** exclusive of VAT

6 CLIENTS OF CFT GROUP https://cft.group/

Banks

и другие

Retail networks Corporations, holdings, state-owned companies

8 CFT CUSTOMERS AMONG TOP 50 BANKS IN ASSETS* https://cft.group/

Bank Rating Bank Rating position position 1. Sberbank 1 13. Post Bank 22 % 2. VTB 2 14. Novikombank 24 46 3. Gazprombank 3 15. Russian Standard Bank 28 of financial institutions 4. Russian Agriculture Bank 6 16. Sviaz-Bank 32 among the TOP 50 5. Otkritie FC 7 Russian banks in assets 17. Vozrozhdenie 34 are customers of CFT** 6. Credit Bank of Moscow 8 18. Orient Express Bank 36 7. Rosbank 13 19. Bank ZENIT 38 8. Sovcombank 14 20. Investtradebank 40 9. Rossiya 15 21. MTS Bank 41 10. Bank 16 22. OTP Bank 45 11. RRDB 17 23. Transkapitalbank 46 12. Uralsib Bank 21

* according to RIA Rating, as of January 1, 2020 ** CFT software customers

8 CFT BANKING SYSTEMS www.cft.ru

CFT Catalogs Technology Platforms Product Catalog: over 330 out-of- CFT–Platform 1 the-box financial Products CFT–Platform 2 МСА CFT-Bank Application Catalog: over 2100 Applications Core Banking System

CFT-Bank – banking information system Solutions for NBFIs CFT-Insurance Company

Cloud Services Solutions for Corporations CFT-State Services CFT-Corporation CFT-AML CFT-Marketplace CFT-Remote Identification

1 0 TECHNOLOGY PLATFORMS FOR CFT BANKING SYSTEMS www.cft.ru

In its software products, CFT uses in-house technology platforms - Platform 1 and Platform 2 МСА

RECOMMENDED PLATFORM 1 PLATFORM 2 МСА FOR LARGE FEDERAL-SCALE Production platform Next generation technology platform BANKS capable of handling high transaction for development and utilization of loads, thousands of users, and millions of CRITICAL banking applications documents and accounts Due to its three-tier architecture* the platform provides for the bank: • unlimited scalability • high performance The Platform lifts the restrictions on • number of parallel users in the single core banking system • number of customer agreements processed • transactional load

* Three-tier architecture allows distributing transactional loads among application servers and database servers

11 CFT-BANK INFORMATION SYSTEM www.cft.ru

• universal core banking system for banks of any business scale • leader in the number of installations in TOP 50 Russian banks • “classic” and outsourcing model of software utilization by the bank

Rich functionality: Integration without borders All banking activities Efficient interaction with IT systems, external 150+ applications, and processing services implementations in Extraordinary performance Russian and CIS banks* Unlimited number of users and transactional load Optimization of IT costs Two options for software utilization: in-house Product-based approach implementation vs. outsourcing 2000+ Fast and easy adjustment of products and services Financial Applications in the in accordance with market demands Fast implementation electronic catalog Implementation of the system in a TOP 50 http://catalog.cft.ru/ Multi-channel approach to working with bank within 5 to 9 months customers CFT-BANK IS Integration with CFT processing services INCLUDED IN THE UNIFIED REGISTRY OF RUSSIAN SOFTWARE**

* Excluding banks that have left the market **Order No.646 of the Ministry of Telecom and Mass Communications of the Russian Federation of December 12, 2016

12 CFT-BANK: APPLICATION CATALOG www.cft.ru

Detailed Application Catalog for more precise configuration of financial Products for the bank’s business processes

● Launched in September 2010 Other CFT Application Catalogs: ● User-friendly presentation structure • CFT-Fintech ● Simple selection process • CFT-Retail Bank • CFT-System Applications • CFT-Insurance Company • CFT-Corporation 2100+ 33 • etc. Applications banking activities

http://catalog.cft.ru http://www.cft.ru/apps

13 CFT-STATE SERVICES: DIGITAL PLATFORM FOR UBS INTERACTION www.cft.ru Functionality:

Capture of Sample Registration Storing Audit Generation and Work with biometric samples compliance and update biometric samples of user actions printout of UBS and (selection of photos check of customer in the bank customer USIA services from a video stream, using the quality biometric data in consent in a single voice audio control library of the UBS for processing of window recording) PJSC personal data

Solution delivery models: THE SYSTEM PROJECTS FOR CLOUD AND TYPICAL CFT SOLUTIONS FOR THE UBS ARE APPROVED BY THE FSB OF RUSSIA ● Classic (purchase of software licenses) ● Outsourcing

Read more about the solution

14 CFT-АМL: FINANCIAL MONITORING AUTOMATION www.cft.ru

Technologies used: Advantages for the Bank: Artificial Machine • Compliance with the Russian legislation on AML/CFT intelligence Learning • Mitigation of reputational and operational risks AI ML • Improving the level of compliance control • Eliminating the human factor in the monitoring of financial transactions • Prompt and accurate information analysis • Mitigation of the risk of the Bank’s involvement in processes related to legalization of criminal proceeds of legal entities

• Timely detection of suspicious transactions Architectural advantages: • Connecting a bank with an IT architecture of any complexity: integration with different core banking systems and other sources of information on Functionality: financial transactions • High-speed data processing and information update • AML - analytics • AML - scoring • KYC (Know Your Customer) • Financial monitoring user workstation • Master system of lists • Machine learning • Reporting Read more about the solution

14 INTERACTION WITH CBR MARKETPLACE www.cft.ru Cloud service for technological interaction of different core banking systems with the “Marketplace” system of the Bank of Russia

Advantages: The solution allows the bank to: • connection to the service within up to 2 weeks • reduce the cost of implementation of unique and expensive from the signing of relevant agreements schemes of connection to the CBR marketplace platforms • agreed security pattern • be independent from the CBS version when interacting with the • maintenance by CFT marketplace system • cutting down the costs of staff and hardware- • unify the data exchange with the platforms inside the software system marketplace system • access to the system through a web interface • timely implement the regulatory initiatives aimed at business development

Current functionality: Interaction with the marketplace platform for online opening of bank deposits

Read more about the solution

16 SOLUTIONS FOR NON-CREDIT FINANCIAL INSTITUTIONS www.cft.ru

CFT-Insurance Company system - optimization of the activities of insurance companies and process management of the insurance business

Implemented projects:

• Transition to the new single chart of • Transition to the new single chart of accounts accounts • Centralization of accounting • Insurance activities • Financial and economic activity • Internal transactions • Payroll • Regulatory reporting • Securities • Deposits, FX transactions • Financial monitoring • Budget performance monitoring • Treasury • Tax reporting

D2 INSURANCE COMPANY IS USING CFT SOFTWARE AS AN OUTSOURCED CLOUD SERVICE

Read more about the solution

17 COMPLEX IT OUTSOURCING www.cft.ru

CFT provides the service of transition of the bank IT infrastructure to complex outsourcing

CFT provides: Infrastructure: • Contractual basis with clear SLAs • DC 1 – main up to % • High level of security • DC 2 – standby 40 • Quick launch of new financial Products • Own control and security reduction of the bank • 24х7 support services IT costs* • Best experience on the Russian market

Every year, CFT undergoes the audit by PWC and demonstrates the highest standards of organization of its outsourcing processes.

* based on the experience from projects implemented by CFT

18 BANKING SELF-SERVICE PLATFORM http://www.cft.ru/selfserviceadmin Technologies for management of payments, products and cash within the bank payment infrastructure

125 BANKS IN RUSSIA AND THE CIS USE OUR PLATFORM

Customer Service Channels

ATMs, self-service terminals, POS terminals

Remote banking (online and mobile) Work with the Personal UBS offers

Cloud solution Bank teller/cashier for connection Claim management, risk mitigation to the Faster Payments Chatbots, messengers System Bank website

19 BANKING SELF-SERVICE PLATFORM: http://www.cft.ru/selfserviceadmin CLOUD SOLUTION FOR CONNECTION OF THE BANK TO THE FPS

Zolotaya Korona is certified as TPP Banks connected to the FPS through the BSSP: for all С2С and C2B cases: • sending and receipt of C2C transfers • sending and receipt of C2B transfers • FPS API for RBE customers

Advantages for the bank: • Full functionality of the solution • Independence from the IT landscape and HSS of the bank • Flexibility: connection to any transfer systems by number (intra-bank transfers, Sberbank transfer system, other systems) • Vast project experience of the CFT team, expertise

Read more about the solution

20 ONLINE BANKING SERVICES bank.faktura.ru Faktura.ru-based products are a ready-to-use ecosystem of modern banking services for all categories of customers

Advantages: • integration with any core banking system • innovations and improvements in the basic version • adapting to the bank’s brand book • integration with other CFT services • support of integration with UBS and FPS platforms • full cycle of card transactions without the issue of a physical medium (disbursement, withdrawal of cash, contactless payment using Apple Pay, Google Pay) • high level of security, full compliance with the requirements of 167-FZ on antifraud • multi-channel communication with customers (chat, notification service)

21 ONLINE BANKING SERVICES bank.faktura.ru Market leadership

TOP 100 customers Recognized by the expert community

и другие

MORE THAN 130 PARTNERS OVERALL

22 ONLINE BANKING SERVICES bank.faktura.ru

For retail customers: Full-featured online banking

Extra options:

● online currency conversion ● integration with the Faster Payments System ● instant issue of cards with any status without the plastic ● payment of services with intelligent search, i.a. by single ● actions in push messages personal account ● payment of invoices issued (including fines, taxes) ● marketing opportunities: banners for customer groups, personal offers for certain customers ● targeted loyalty tools ● smart customer segmentation with machine learning tools ● autopayment of fines with limit setting ● recommendations for increasing customer activity ● UBS: identification and sale of bank products to new customers

22 ONLINE BANKING SERVICES bank.faktura.ru

For corporate customers: Online service for company finance management, from small businesses to corporations

Extra options:

• c2b transfers in the Faster Payments System • geolocation opportunities • self-registration on the bank website • displaying restrictions on accounts • comprehensive work with financial products • advanced AML services: “White Account” for customers, integration • corporate cards with CFT-AML for banks • payroll projects • early loan repayment with online statistics • recognition of invoices and payment documents • seamless integration with online bookkeeping • price plan management • opportunity to use an open API for individual projects • deposit calculator

23 ONLINE BANKING SERVICES bank.faktura.ru

Comprehensive infoservice

Advantages: Kinds of notifications:

• tools for customer switching from sms to push • for Faktura.ru online banking: one-time passwords, notifications • customer informing of bank events via sms, push • of logging-in and email • of document sending (to a customer and/or customer counterparty) • of the receipt of new documents from the bank • standby channels for sending notifications • of the change of a customer’s phone number • fine tuning of notifications broken down by events • of the opening of a deposit agreement, etc. • customer informing in compliance with 161-FZ • notifications of bank card operations in CardStandard PC and contractual relations with banks • notifications of events in the CFT-Bank core banking system (loans, • opportunity to “make packages” and sell the deposits, cards) service to customers to acquire extra commission • optional marketing newsletters income • opportunity to configure individual notification texts on the part of the bank

24 CARDSTANDARD PROCESSING CENTER cardstandard.ru CardStandard PC is the largest independent processing center in Russia

For over 10 years now, the PC has been rendering a set of high-tech services to banks, including issue, servicing and acquiring of cards of Masterсard and Visa international payment systems, as well as Russian payment system Mir.

2008 >100 >50M 79K market entry partner banks in cards in the issue portfolio devices in the territory Russia and the of Russia (acquiring neighboring infrastructure) countries

CARDSTANDARD PC IS A CERTIFIED SERVICE PROVIDER OF VISA AND MASTERCARD: IT HAS STATUSES OF A VISANET PROCESSOR AND A MEMBER SERVICE PROVIDER

26 CFT LOYALTY PROGRAMS koronaloyalty.ru Loyalty programs: bonus, payment and gift cards Technologies for reinforcement of customer loyalty

2005 >300 >550M >100M >2B year of projects loyalty cards members of transactions per establishment the loyalty programs month

Partners: Vendor of the year

2016-2019

and others Customer eХperience 2015 Awords Russia

27 CFT LOYALTY PROGRAMS koronaloyalty.ru Options: turnkey integrated solution and exclusive solution. MAXIMUM OPPORTUNITIES

REWARDS FROM THE BANK (COMPANY) LOYALTY PROGRAM CONFIGURATION REWARDS FROM PARTNERS MACHINE LEARNING

REWARDS FROM STORES PERSONAL ACCOUNT

28 ZOLOTAYA KORONA PAYMENT SERVICES SYSTEM koronacard.ru Up-to-date, convenient, affordable and reliable services, that link financial organizations, enterprises of various sectors of the economy and payment infrastructure, technologically and organizationally

Zolotaya Korona areas of business

Money Transfers MFO Services Loan Repayment Transport Card https://t-karta.ru/ www.koronapay.com http://mfo-korona.com/ www.koronapay.com

One of the TOP 5 largest systems in the world. Leader in 100 31+ thousand 36 regions of Russia Russia and the CIS partner MFCs service outlets + Kazakhstan and MFOs 856+ billion rubles 41 million operations 9+ million Annual transfer turnover 2+ million transport cards cards issued 550+ banks 1,6+ billion journeys per year 39+ million transactions

50+ thousand outlets in 37 countries

28 GOLDEN CROWN – MONEY TRANSFERS koronapay.com/transfers Service for instant addressless retail money transfers

• Stable leading positions in Russia, the CIS “Money Transfers” App and on the global market 6 +

• Best outlet chain coverage among all Million downloads systems in Russia and the CIS 6

• Advanced engineering and marketing support

ONLINE MONEY TRANSFERS FROM CARDS OF ANY RUSSIAN BANKS – ON THE KORONAPAY.COM WEBSITE AND IN THE MOBILE APP

30 GOLDEN CROWN – MONEY TRANSFERS koronapay.com/transfers Service for instant addressless retail money transfers

Member Banks Russia

и другие

CIS

и другие

Cooperation with largest retail chains

31 GOLDEN CROWN – LOAN REPAYMENT koronapay.com/repayment 2011 31K year of service outlets establishment across Russia

• Repayment of loans from any Russian banks • Quick receipt of payment to the account (min – • Repayment of loans from banks with revoked licenses instantly, max – 3 business days) • Repayment of loans of the largest microfinance institutions in • Online repayment of loans: Russia - at koronapay.com • Cash deposit to account - in the mobile app • Replenishment of Visa, MasterCard, MIR cards of any bank of Loan the Russian Federation repayment

• Marketing support

Service infrastructure

and others

32 PRODUCTS FOR MFOs mfo-korona.com Efficient IT solutions for the microfinance market 2013 100 year of MFOs – partners of CFT establishment

Issue and servicing of Disbursement of loans in Online loan repayment on MFO payment cards for MFOs money transfers websites, at banks and in retail chains

Partners

31 GIFT CARDS mygift.ru Visa/Mastecard based cards for solving tasks on motivation, accrual of benefits and organization of prize funds of marketing promotions

Universal cards/ Mall gift cards/ 8 years For gifts and motivation For retail sales on the market

Virtual cards/ Refillable cards/ 2 500 For marketing promotions For long-term motivation clients with prizes 70+ kinds of cards Restaurant cards/ Co-branded projects/ Meal compensation for For improvement of loyalty staff

Cards by benefit Special projects/ categories/ Cards for events, sports For social package competitions, etc.

32 TECHNOLOGIES FOR SOCIAL AND TRANSPORT PROJECTS t-karta.ru Electronic Travel Card for cashless fare payment and journey registration

The system has been developing • Over 36 regions of Russia Moscow region, Sochi, Arkhangelsk, Biysk, Bryansk, since 2002 Birobidzhan, Blagoveshchensk, Veliky Novgorod, Vladivostok, Gorno-Altaysk, Kemerovo, Krasnodar, Kostroma, Kurgan, Magadan, Nalchik, Nizhny Tagil, Novokuznetsk, Novosibirsk, 9M Orel, Orenburg, Petrozavodsk, Petropavlovsk-Kamchatsky, active transport and Rostov-on-Don, Smolensk, Syktyvkar, Tambov, Tula, , social cards Khabarovsk, Kholmsk, Chelyabinsk region, Cherepovets, Cherkessk, Yuzhno-Sakhalinsk, Yaroslavl ~1,6B journeys in 2019 • Republic of Kazakhstan (Almaty)

35 TECHNOLOGIES FOR SOCIAL AND TRANSPORT PROJECTS t-karta.ru Electronic Travel Card for cashless fare payment and journey registration

Advantages of the solution

• Convenient for users ETC-ONLINE, CFT’s in-house development, helps connect the top-up services with open APIs

• Multifunctional All payment methods available: from cash to transport cards, to bank cards (including MIR cards) to pay services

• Open Unique technology allows developing own software and connecting any systems and cities, with an adequate level of security

36 NATIONAL GOROD SYSTEM kvartplata.ru Set of IT platforms for accrual, collection and processing of payments for pay.kvartplata.ru regular everyday services utilized by companies and individuals billing.fsg.ru

System for collection and System for accrual of housing and processing of payments utility services

• Diversified public service • IT outsourcing Mobile app 1999 infrastructure: cash desks, 2001 with full support year of establishment terminals, ATMs, internet and year of establishment• 2 data centers, own mobile services security control • Solutions for providers on services >300 online collection of 12 payment collecting payments and metering regions of Russia agents 83 3M regions of Russia accounts

THE DIGITAL PLATFORMS ARE DESIGNED TO DEAL WITH THE TASKS OF A SOLE UTILITY COMPANY AS WELL AS OF A WHOLE CITY WITH ANY POPULATION SIZE

37 NATIONAL GOROD SYSTEM kvartplata.ru CFT-State Services Adapter pay.kvartplata.ru billing.fsg.ru Integration solution for reliable and fast data exchange • 22 kinds of data implemented in SMEV between different accounting systems of a company and version 3 and other external information external information systems systems • 89 Russian banks use the solution

List of providers of services and data available for interaction using the adapter

Data Provider Service Data Provider Service

SIS HCS (making Data on payments made and utility payment FTS Service “Check of Counterparties – TIN/KPP” payments and beneficiaries PFR Service “Check of SNILS” accruals) SIS SMP Provision of data on payments and on GAMI MIA Data on passport validity acknowledgement results FTS Statements from USRLE/USRIE UNIS (FNC) Data on pledge of property FTS Receipt of data on TINs of individuals UFRBI Data on bankruptcy FTS Receipt of data on suspensions IM TS Receipt of statements from the PFR SIF Electronic temporary disability certificate UIS Interaction in procurement FBS Requests for data from the FBS

FTS Professional income tax NBCH, OCB, Equifax CB Data on borrowers

38 The full potential of CFT Group is at your service for successful addressing of your business tasks

(495) 780-50-12 www.group.cft.ru (495) 604-12-20 [email protected]