COMPANY PROFILE. Provider of leading edge test and certification solutions for Banks, POS Vendors and Payment Networks.

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Hector Manning
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1 COMPANY PROFILE Provider of leading edge test and certification solutions for Banks, POS Vendors and Payment Networks.

2 Company Profile Abbrevia is an innovative provider of leading-edge test and certification platform with a global customer base. We provide our customers access to best-of-breed payments test products through exclusive alliances with international market leaders. At Abbrevia, we realise that today's payments strategies focus on flexibility, teamwork and technology to meet the challenges of the ever-changing business environment. We appreciate that payments providers' success hinges on their ability to cultivate an innovative, efficient, responsive, customer oriented and quality conscious culture. In line with Abbrevia s expansion plans, it has established Vividia Solution offering capabilities for automation of decision making processes for a variety of organization including financial sector and government entities. TIMELINE First Implementation Development of First implementation of Dubai HQ Established NETWORK NETWORK National EMV Project National EMV Migration Project Development of Riyadh Office Established Development of National EMV Migration Project Acquired Worldwide Marketing Rights Moscow Office Established Abbrevia has proven experience in providing EMV project management, technical implementation, test and certification services covering all aspects of the EMV processing value chain including the following areas: ICC chip card specifications, personalization and quality assurance for both VSDC and MChip applications. and POS terminal application integration, testing and certification including both ADVT and TIP services. Network interface certifications including Visa SMS, Visa BaseI, MasterCard MDS, MasterCard CIS and MasterCard Network Interface Validation (NIV)

Services At Abbrevia we take pride in providing end-to-end consultancy by partnering with our customers, understanding their issues and problems, defining business strategies and technology road maps

3 Services At Abbrevia we take pride in providing end-to-end consultancy by partnering with our customers, understanding their issues and problems, defining business strategies and technology road maps followed by development of required RFPs, evaluation of responses, recommendation and implementation of appropriate solutions to address customer needs. Testing and Certification Abbrevia has proven experience in provision of: Turn-key test and certification services Project management services Build and operate Test and Certification Centres Certification of Issuers and Acquirers with Card Schemes Certification of POS Vendors with Card Schemes Provision of Test Card Pack Consultancy Abbrevia has established track record of: Definition and implementation of national payment standards Modelling of complex business rules Integration of business processes and what-if analysis of its impact Streamlining of business operations by simplification of decision making processes Provision of experienced business analysts Decision Management Abbrevia expertise include: Definition and implementation of national payment standards RFP Management, product and vendor selection Definition of business and technology roadmaps Provision of technical resources Program management of nationwide EMV migration

4 Solutions is an end-to-end automated, POS and Network test and certification platform covering the full payment value chain. Based on the emulator, POS and Network simulator (Visa, MasterCard, AMEX and various card schemes and host) including both acquirer and issuer processing. An Simulator which simplifies the development and testing of your transaction flow and content. Based on the latest technology, innovative features, unparalleled ease of use and intuitive design to ensure your immediate productivity gain and return on investment. Next generation device based simulator based on the latest Windows.Net architecture, innovative features and unparalleled ease of use. Simulates at device level, not limited to protocol level Remote key loading with signatures and certificates Possibility of adding new device simulators CEN/ compliant devices simulation SIMplicity TM Network is a next generation network simulator which can automate and simulate any entity in an entire payment value chain. NETWORK Reduce out of service costs Test time reduction by 70-80% Reduce Testing Costs Reduction in migration costs Increase customer satisfaction Reduced time to market for new services SIMplicity TM POS, a part of the payment processing value chain. It enables the user to simulate POS devices to control the complete payment transaction from the cards issued or mobile payment applications up until the issuing host. BUSINESS DECISION An automated rule based decision management solution which helps businesses, organizations and government entities to define, validate and implement various decisions accurately and in a timely manner. NETWORK SIMULATION Network Portal (Cloud Support) DEVICE SIMULATION POS Product Modules REGRESS/STRESS TESTING SIM QA SIM Stress SIM Web Type SIM EJ SIM Dev SIM CPM SIM BNA SIM LGM SIM RKL SIM EMV SIM Barcode

5 Our clients are our partners and together, we are working to empower the financial world. Main Customers Financial Service Provider Solution Vendor Terminal Vendor Payment Network

6 Provider of leading edge test and certification solutions for Banks, POS Vendors and Payment Networks. HEAD OFFICE, DUBAI, UAE 507, Level 5, Makateb 2 Dubai Production City PO Box Dubai, United Arab Emirates Tel: MOSCOW, RUSSIA Lubyanskiy Lane 15, Building 2 Business Centre Lubyanskiy , Moscow, Russia Tel: RIYADH, SAUDI ARABIA Level 1, Building 527 King Fahad Highway Riyadh 11426, Saudi Arabia Tel:

XFS. Provider of leading edge test and certification solutions for Banks, POS Vendors and Payment Networks.

XFS. Provider of leading edge test and certification solutions for Banks, POS Vendors and Payment Networks. Provider of leading edge test and certification solutions for Banks, POS Vendors and Payment Networks. Next generation device based ATM simulator based on the latest Windows.Net architecture, innovative