Corporate Overview Solutions that work for everyone, everywhere... THIS IS A CONFIDENTIAL DOCUMENT In ConsiDeration of you reCeiving a Copy of this DoCument, you agree to keep ConfiDential the Contents of this DoCument anD shall not, without the prior written approval of Sarvatra TeChnologies Pvt. LtD., Disclose to any person the whole or any part of the information ContaineD in, or assoCiateD with this DoCument. DISCLAIMER The information containeD in this Document is for guiDance only anD Does not purport to be legal aDvice. It is provided on the unDerstanDing that Sarvatra TeChnologies Pvt. LtD. is not responsible for the results of any actions taken on the basis of information in this DoCument, nor for any errors or omissions. Sarvatra TeChnologies Pvt. LtD. expressly Disclaims all anD any liability to any person in respect of anything anD of the ConsequenCes of anything Done or omitteD to be Done by any person in relianCe, whether wholly or in part upon the Contents of this DoCument. Copyright ©2012-2019 Sarvatra TeChnologies Pvt. LtD. 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 © 2012-19, SARVATRA TECHNOLOGIES PVT. LTD. PRIVATE & CONFIDENTIAL. ALL RIGHTS RESERVED. 4 Pioneering Achievements § 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. © 2012-19, SARVATRA TECHNOLOGIES PVT. LTD. PRIVATE & CONFIDENTIAL. ALL RIGHTS RESERVED. 5 Business Highlights § 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 © 2012-19, SARVATRA TECHNOLOGIES PVT. LTD. PRIVATE & CONFIDENTIAL. ALL RIGHTS RESERVED. 6 Certifications § 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. © 2012-19, SARVATRA TECHNOLOGIES PVT. LTD. PRIVATE & CONFIDENTIAL. ALL RIGHTS RESERVED. 7 StrategiC AllianCes § 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) © 2012-19, SARVATRA TECHNOLOGIES PVT. LTD. PRIVATE & CONFIDENTIAL. ALL RIGHTS RESERVED. 8 Key Investors § 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 © 2012-19, SARVATRA TECHNOLOGIES PVT. LTD. PRIVATE & CONFIDENTIAL. ALL RIGHTS RESERVED. 9 BoarD of DireCtors § 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 © 2012-19, SARVATRA TECHNOLOGIES PVT. LTD. PRIVATE & CONFIDENTIAL. ALL RIGHTS RESERVED. 10 ShareD InfrastruCture 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 © 2012-19, SARVATRA TECHNOLOGIES PVT. LTD. PRIVATE & CONFIDENTIAL. ALL RIGHTS RESERVED. EFT SwitCh - Card Issuance anD ATM Acquiring § 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. © 2012-19, SARVATRA TECHNOLOGIES PVT. LTD. PRIVATE & CONFIDENTIAL. ALL RIGHTS RESERVED. IntegrateD Payments Platform 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 © 2012-19, SARVATRA TECHNOLOGIES PVT. LTD. PRIVATE & CONFIDENTIAL. ALL RIGHTS RESERVED. 16 Our ProDuCt & ServiCe Range 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 © 2012-19, SARVATRA TECHNOLOGIES PVT. LTD. PRIVATE & CONFIDENTIAL. ALL RIGHTS RESERVED. 17 1. EFT SwitChing (ASP Model) § 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