STPL Corporate Presentation 1.9

Corporate Overview Solutions that work for everyone, everywhere... THIS IS A CONFIDENTIAL DOCUMENT

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All rights reserved. No part of this publication may be reproduced or utilized, stored in a retrieval system, or transmitted in any form or by any means, electronic, mechanical, photocopying, recording or otherwise, without the prior permission of Sarvatra Technologies Pvt. Ltd. Company Profile Company Profile

§ Sarvatra Technologies Pvt. Ltd. is India’s leading end-to-end solutions provider focused on making financial transactions easy for Commercial Banks in Private and Public Sector, Co-operative Banks, Rural Regional Banks, and Credit Societies.

§ 15+ years’ proven track record in payments industry. Today, we are a leading end-to- end solution provider offering RuPay Debit cards, ATM, POS, ECOM, Micro ATM, IMPS, AEPS, UPI, BBPS, and POS-based Branch Servicing solutions.

§ Pioneer in developing payment solutions on NPCI platform. Several firsts, including first ASP to enable sub-member banks on RuPay ATM, E-com, VAS, and IMPS. Now enabling modern switching and payment services for 500+ banks across India.

§ 250+ strong technology team for development of Embedded Software, Mobile & Biometric Apps, Web Apps, Core Banking, Payment Switching Apps, Technical Support, Sales & Marketing Support, Data Centre Management, Card Management

§ India’s first ASP certified by NPCI to provide switch-to-switch connectivity under sub- membership model for nationwide connectivity through NFS’ ATM and IMPS network.

§ India’s first ASP to get a sub-member bank live on IMPS

§ India’s first ASP to get a sub-member bank live on RuPay Debit and RuPay E-com

§ Invented India’s first POS-based ATM

§ Deployed IMPS and UPI Switch for ICICI Bank, one of India’s largest private banks. This Switch is integrated with all existing channels of the bank and enables significant revenue generation and cost savings for the bank. This implementation has one of the best uptime, throughput, and reliability record in India and has been awarded by NPCI.

§ Our key enterprise customers in India o ICICI Bank (also powers Google Pay, WhatsApp Pay) o Equitas Small Finance Bank o Capital Small Finance Bank o The Nainital Bank o Oriental Bank of Commerce Pan-India o IDBI Bank presence: o Bank of Maharashtra across 27 states o NSDL Payments Bank and 3 union territories § EFT Switching & Debit Card issuing platform (hosted) o 500+ banks, e.g. UPSCB, Kerala SCB, Punjab SCB, Telangana SCB, Andhra Pradesh SCB, Sikkim SCB, Aurangabad DCB, Kottayam DCB, Haridwar DCB, etc. o 15+ million Debit Cards issued

§ PCI-DSS v3.2 certification

§ ISO 27001:2013 (Information Security Management System)

§ ISO 22301:2012 (Business Continuity Management System)

§ Disaster Recovery (DR) has been implemented and is operational for business continuation of critical services in case of natural or human-induced disaster.

§ Oracle Corporation, as an Oracle Certified Partner

§ National Payments Corporation of India (NPCI), umbrella organization for clearing all retail transactions in India

§ Sponsor Banks: HDFC Bank, ICICI Bank, YES Bank, Axis Bank, IndusInd Bank, IDBI Bank, State Bank of India, and Kotak Mahindra Bank for NPCI’s sponsor bank model

§ jPOS Global Support Network, as a support partner

§ FirstData / IMSL (ICICI Merchant Services Limited), as a Member Service Provider (MSP) or Independent Sales Organisation (ISO)

§ Mr. Vallabh Bhanshali, Chairman, ENAM Financial Group

§ Mr. Udai Kothari, Director, UY Industries

§ ICICI Bank, India's largest private bank

§ Oracle Financial Services Software Limited (OFSS), subsidiary of Oracle Corporation, world's 2nd largest software company

§ Indian Overseas Bank (IOB), one of India's largest public sector banks

§ Mr. Vallabh Bhanshali § Mr. Abhijit Singh Chairman Head - Business Technology, ICICI Bank

§ Mr. Mandar Agashe § Mr. Deepak Ghaisas Founder & Vice Chairman Chairman, Gencoval Strategic Services

§ Mr. Sumeet Phadnis § Mr. Makarand Padalkar Executive Director & CEO CFO, Oracle FSS

§ Mr. Udai Kothari § Mr. Mukul Goyal Director, UY Industries Director, ENAM Securities

§ Dr. R. B. Barman Former ED, Reserve Bank of India

11 Shared Infrastructure

§ We provide the entire infrastructure required for a bank to centralize its system and to participate in the national payment network as a managed service. Entire setup is managed by us, while the operating cost can be on a pay-per-use basis.

§ Enables even the smallest rural bank to offer modern customer facilities with minimal expenditure and shortest time to go live.

§ Our shared infrastructure includes:

§ EFT Switch - Card Issuance and ATM Acquiring

§ Integrated Payments Platform

§ Monitoring Interface

§ Data Centre

§ A world-class Inbuilt EFT Switch on shared basis, which allows ATM network sharing and universal acceptance of ATM/Debit cards across India. Our Sarvatra® EFT Switch is already recognized by NPCI for effective nationwide participation in NFS network.

§ Based on ISO 8583 messaging protocol, the world standard for EFT. Ensures interoperability with other switching networks for card-based transactions.

§ Multiple redundant and high capacity Hardware Security Modules.

§ Multi-device connectivity including Micro ATMs, ATMs, POS, IVRS etc.

§ In-built SMS Alert, Transaction Fee Calculation, and Reconciliation modules.

Our robust payments platform supports a range of compatible payments and reporting modules to deliver great flexibility and lowest total cost of ownership. It solves the bank's mission-critical payments processing and information management challenges.

§ Comprehensive payment functionality for greater efficiency and end-to-end transaction processing

§ Easy integration with legacy systems, payment networks, proprietary technologies

§ Best-practice security and system availability

§ Innovative products that can be quickly deployed with minimal IT involvement

§ Long-term technology roadmap and payments migration strategy

© 2012-19, SARVATRA TECHNOLOGIES PVT. LTD. PRIVATE & CONFIDENTIAL. ALL RIGHTS RESERVED. 14 Products & Services Product Evolution Being a pioneer in the sector, Sarvatra has continuously evolved into a leading end-to- end solution provider for urban, semi-urban and rural banking sectors, thereby always striving to stay ahead on the technology curve.

2016-17 2014-15 • UPI Switch 2013 • UPI Mobile App • E-Com 2010 • Cash@POS • IMPS • IMPS at Branch • Prepaid Cards / 2006 • • EFT Switching • KCC for PACS VAS Wallet Host • (ASP model) • AEPS, eKYC Mobile Banking • NETC 2000 • POS-based App (White Label) • DCA-42 (POS- • BBPS Banking based ATM) • TBA • CBS • CardSafe • Integrated Platform • eHub

1. EFT Switching (ASP Model) 7. BBPS (Bharat Bill Payment System)

2. Card Management 8. Sarvatra® CBS

3. IMPS Switch 9. eKYC and AEPS Solution

4. Mobile Banking App 10. Sarvatra Aadhaar Pay

5. Micro ATM Solution 11. Daily Deposit Collection App

6. UPI (Unified Payments Interface) 12. CardSafe® Debit Card Security App

§ Enables banks use shared infrastructure under the ASP model for § Issuing RuPay ATM, Debit, EMV as well as KCC cards § Deploying ATMs and POS terminals to acquire transactions on NFS network

§ Sarvatra’s EFT Switch enables the customers to transact on ATMs and POS terminals on RuPay network across the country and on E-Commerce platform using Debit cards

§ Banks can become direct members of NPCI or sub-members of leading sponsor banks like ICICI Bank, HDFC Bank, SBI, IDBI Bank and many more.

§ We provide sophisticated self-service web-based interface for monitoring, card management, reconciliation and MIS

§ In-built configurable transaction fee charging module, transaction alerts on SMS to customers

Card Management is a tedious and complicated process-driven activity. We offer our client banks end-to-end card management services, right from design to delivery:

§ Design of Welcome Kit (includes Welcome Letter, Instruction / T&C Sheets, Envelop, Customer Card, and PIN Mailer, if required)

§ Card design; coordination with NPCI and card manufacturer for design approval

§ Arranging for sample cards from the card manufacturer for testing

§ Batch verification; Card inspection, verification, and dispatch

§ ‘Block Card’ process for lost, bad, and damaged cards, and ‘Replace Card’ process

§ 24x7 Call center for card blocking facility for customers of banks

§ Additional channel to bank customer for performing banking transactions.

§ Increases mobile banking customer-base due to less dependency on mobile application

§ Promotes Financial Inclusion since mobiles have a reasonably good penetration in rural, semi-urban, and unbanked/underbanked population.

§ Beneficiary Banks earn Interchange Fee for every IMPS credit transaction from the Remitter Banks.

§ Key Advantages: Convenience, speed, efficiency, availability, and cost effectiveness

§ We also offer IMPS as a service (Hosted model).

Functionalities of our white label mobile banking app:

§ IMPS Fund transfers

§ NEFT / RTGS remittances

§ Bill Payments and Prepaid Recharge

§ Non-financial transactions, e.g. Balance Enquiry, Chequebook Request

§ Branch Locator and ATM locator functionalities

§ Beneficiary management module

§ Multiple Account management

§ Two-factor Authentication

§ Alternate banking channel

§ Enables agent banking through Business Correspondents

§ Portable device makes banking services available from anywhere.

§ Ideal for Doorstep Banking and Financial Inclusion.

§ Functional Integration: AEPS, Card-based Transactions, Aadhaar-based Transactions, Cardless Transactions, eKYC-based Account Opening, Mobile Branch, MicroATM, and BCs.

§ UPI is aimed to simplify and provide a single interface across all NPCI systems, thereby creating interoperability and superior customer experience

§ UPI enables customers to perform transactions without sharing sensitive credentials

§ Supports the four-party model of NPCI UPI

§ White label UPI Mobile App can be made available for Android and iOS

§ NPCI common library integration in mobile app; Integration with NPCI provided 15 Meta and 4 Core APIs

§ UPI Switch renowned for high scalability and reliability

§ Also available on hosted model

§ Supports both BBPS modules viz. Biller BBPOU and Customer BBPOU: Fetch Bill, Pay Bill, ON-US and OFF-US bill payments. Ad-hoc payments, bill payment and presentment, online bill payments and offline bill collections. § Centralized bill payment system for all delivery channels. Supports all delivery channels like Mobile Application, Net Banking and Agent / Agent Web-portals. Supports various methods for integration of channels. § Out-of-the-box support for Transaction limits and Velocity rules, Transaction fees, Biller enrolment, Customer enrolment. § Easy integration with legacy systems, payment networks, and proprietary technologies. Long-term technology roadmap and payments migration strategy § Available as a on-premise or hosted solution for OUs § Sarvatra is a registered Agent Institution and offers BBPS bill payments platform for agents

§ Complete Functionality: Provides complete retail banking functionality for a typical Urban Co-operative Bank.

§ Multiple Delivery Channels: Supports multiple channels like Branches, ATM/POS, Mobile, etc. with automatic reconciliation.

§ Single Window Access: Enables the customers to access and transact on their accounts from anywhere.

§ Ready Integration with Payment Systems like Debit cards, ATMs, POS, ECOM, IMPS, UPI, Mobile Banking. Enables bank to offer modern banking services to their customers in the nooks and corners of the country.

§ Proven Track Record: Sarvatra is offering this solution since 1996 and the product has evolved into one of the most stable, easy to use and functionally rich CBS platform

§ eKYC (Electronic ‘Know Your Customer’) removes all physical identification barriers to open an account. An individual can open an A/c with the help of Aadhaar number only. AEPS (Aadhaar Enabled Payment Service) empowers a bank customers to access their bank accounts with the help of their Aadhaar number.

§ Sarvatra has developed a secured and user friendly solution for eKYC and AEPS which offers entire range of services from on-boarding a customer to enabling customer access to its account using Aadhaar number.

§ Our solution is available on wireless devices (like POS Terminal and Tablet) and hence can be installed anywhere.

§ Our solution also supports PMJDY.

§ Our solution facilitates complete PACS computerization.

§ Mobile App for merchants to accept payment by scanning Aadhaar QR.

§ AEPS based Merchant Payments solution.

§ Customer only need to provide his/her Aadhaar Number to Merchant.

§ Customer can authorize transactions securely using his biometric.

§ Aadhaar e-KYC based smooth merchant onboarding process.

§ Solution for Daily Deposit Scheme available on mobile/tablets.

§ Portable devices ideal for Doorstep Banking and Financial Inclusion.

§ Pigmy agent or employee of bank/society can collect pigmy amount from the customer, select account number in mobile app, enter collected amount and press submit button.

§ Transaction is processed immediately, SMS alert is sent to customer’s mobile.

§ Real-time updating of CBS

§ Takes card transaction safety a step ahead of 2FA

§ A minimalistic mobile app (Android and iOS) for ensuring the My Cards security of a bank customer’s debit card.

6071-XXXX-XXXX-5678 § Manage the safety features of multiple Debit cards—issued ANAND K. PATIL by the same bank or by different banks supporting the app.

§ Activate/Deactivate a card by a single click of an ON/OFF button. Set transaction limit on different channels like ATM, POS, ECOM by simply entering limit amount.

§ The activate/block actions reflect immediately across all/any delivery channels: ATM, E-Com, and POS terminal.

§ Also allows eco-friendly Green PIN generation for customer convenience

© 2012-19, SARVATRA TECHNOLOGIES PVT. LTD. PRIVATE & CONFIDENTIAL. ALL RIGHTS RESERVED. 29 Thank You Sarvatra Technologies Pvt. Ltd. 3rd & 4th Floor, Siddh Icon, Survey No.1/1, Baner Road, Baner, Pune - 411045 Maharashtra, India. Landline: + 91 20 2729 0097 Website: www.sarvatra.in