POWER OF AGILITY. M^DYNAMICS DynamicPOS DynamicATM DynamicSwitch

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1 POWER OF AGILITY M^DYNAMICS DynamicPOS DynamicATM DynamicSwitch

2 Today s dynamic and fast-changing world of commerce and technology demands powerful, efficient and versatile solutions that can deliver real business value. Since it was established in 1991, MVI has been steadily building a solid reputation as a customer-focused and cutting edge software solution company which specializes in next generation Financial Switching and Payment, Retail Banking and mission critical Online Transaction Processing (OLTP) Solutions that provide both traditional and emerging multi-channel support. MVI stands at the forefront of innovation not only in the technological arena of 24/7 online banking and financial systems, but also in the commercial viability of our solutions. Built with the future of today in mind, MVI s configurable solutions allow our clients the high scalability, versatility and affordability to facilitate the addition of new fields and types when and if needed. Electronic payments processing systems that are under pressure to cut total cost of ownership, boost service agility and enhance customer satisfaction will find the perfect answer in MVI. We have the technology that can deliver on each of these challenges, simultaneously and efficiently. MVI s M^Dynamics products are designed for financial institutions, payments processors and other institutions operating in the payments chain. With minimum risk and maximum reliability, our solutions facilitate convergence and real time payments and empower our clients to swiftly address issues pertaining to cost, regulation and competition. OUR VISION Solid. Committed. Determined. MVI s vision is to become a leading global supplier of technological solutions that is ranked among the best in the world. OUR MISSION Trustworthy. Focused. Innovative. MVI s mission is to develop creative and ground-breaking software solutions that empower enterprises with the performance, versatility and advantage to thrive, adapt and compete in the business world. OUR CORE VALUES Steadfastness. Honesty. Fairness. We value our customers, business partners and fellow employees and believe in always giving them our best and serving them with integrity.

3 M^Dynamics: Power of Agility Your business is only as swift and responsive as the technology you employ. MVI s architectural philosophy stems from the simple belief that simplicity and flexibility save time, money and resources. MVI s new generation enterprise payment and financial switching solutions called M^Dynamics (DynamicPOS, DynamicSwitch, DynamicWeb and DynamicATM), designed by IT specialists who have worked in the Financial Services Industry for the last 25 years and who understand the pain points of traditional solutions, epitomizes the power of agility needed in today s fast-paced and highly competitive commercial world. While traditional mission critical solutions often focus mainly on the technical requirements of high scalability, high performance, high availability and high manageability, M^Dynamics sets itself apart by not only addressing all these technical requirements but by also being agile enough to address rapidly changing business requirements of organizations, hence facilitating the ease with which customers can execute and deliver new services with speed and precision. Enjoy the power of agility in the way you look at your business as a whole or right down to the very detail; in the way you update, expand or grow the business; and at the bottom line, in cost cutting and productivity. POWER OF AGILITY IN PLATFORMS & TOOLS M^Dynamics nimbly runs on any platform you may choose, from commodity and midrange UNIX systems to enterprise-class mainframe architectures, meeting specific performance and scalability requirements. M^Dynamics eliminates the dependence on a single specialized hardware installation by allowing multiple cost-effective machines to participate collectively in processing so that any necessary upgrades, failures and replacements of individual parts can be executed with no system downtime.

4 M^Dynamics sophisticated, well architected system is supported by Graphical IDE tools like Transaction/Process Flow Builder, Process Flow Analyst and Transformation Message Mapper that allow businesses to effect quicker changes and enhancements to the system, thus saving much time and money. It supports many different new message formats such as ISO8583 and its many variants, token-based MTM, XML, fixed length formats, delimiter formats, ANSI X9.2, etc. POWER OF AGILITY IN VIEW M^Dynamics provides a graphical centralized view of the entire distributed system which makes it easy for Operations to manage and review the state of the system. With its multi-tier product construction features, M^Dynamics allows business logic to be viewed at very high level and where required to drill down to details. Beyond what can be seen on the surface, enterprises will also be able to see how the information is processed and customized based on their preference, quickly and easily, whether it is assigned to different entity types such as e-channel, corporation, transaction, account, currency, merchant, user, etc.

5 POWER OF AGILITY IN CONFIGURATION M^Dynamics boosts operations effectiveness with flexible and simplified operational integration as well as configuration and customization capabilities that facilitate new business functionalities at an unmatched speed and allows rapid and effortless modifications of existing components and configuration without costly switch downtimes. Its flexible content-based routing feature makes it easy to configure transaction routing, for example, by card range, account range, country code, customer types, among others. POWER OF AGILITY IN COST SAVINGS Enterprises face continual pressures to reduce cost. M^Dynamics runs on open platforms which are widely available, thus translating into lower manpower costs and lower cost of hardware and system software acquisition. In addition, the multitude of configuration, monitoring and analysis tools from the ground up in M^Dynamics cuts down expensive on-going hardware and software maintenance costs, and system enhancements to cater to new requirements and regulations. POWER OF AGILITY IN BUSINESS EXPANSION M^Dynamics flexibility enhances business growth and expansion as new services can be more easily and economically introduced. This agility also provides more opportunities to collaborate with businesses from other industries. POWER OF AGILITY TO SUPPORT OTHER INDUSTRIES While designed for Financial Services Industry like retail banking, payment gateway and financial switching, M^Dynamics is also flexible enough to support mission critical OLTP for other industries such as telecommunications and government services. POWER OF AGILITY UNLIMITED With M^Dynamics, the effort to create new or enhanced services is drastically reduced compared to traditional solutions. M^Dynamics empowers businesses to be more nimble and not be inhibited by limitations of systems. This agility is made possible because standard interface functions comprising message format parsing and transformation, delivery, logging and business rules can be assembled from a vast range of ready-to-deploy components with no fuss and with rapid speed.

6 Electronic Payment New Era Requiring New Generation Solutions Because of the unprecedented growth in electronic payments worldwide, today s banks and payments processors and systems operators face pressures from regulators, corporations, consumers and shareholders to be compliant, to continually improve their payment systems and the technology they employ to provide more cost effective solutions, thereby providing better value proposition to their customers. The Answer to New Era Requirements M^Dynamics Multi-Channel Financial & Payment Switch M^Dynamics cost effective and versatile Multi-Channel Financial & Payment Switch, which consists of solutions such as DynamicSwitch, DynamicPOS, DynamicATM and DynamicWeb, delivers a feature rich retail EFT platform that supports high volume, high availability processing through a massively scalable distributed architecture. The solutions can be readily and easily set up and utilized individually or cohesively, depending on the requirements of the enterprise or financial institution. M^Dynamics Switch provides complete end-to-end transaction life cycle management, which includes front-end acquiring, authorization/routing, back-end switching, settlement reporting and reconciliation functions. With its agility, M^Dynamics can be easily extended to enrich the functionalities of the Switch from time to time. FINANCIAL SWITCH Web Application Server Web WAP/XML ISO8583 Host BANK A Telco Server HSM Database Server Telco Authorization JMS Router ISO8583 POS Terminal Handler ISO8583 Host ATM Terminal Handler BANK B Integrated Multi-Channel Switch Example M^Dynamics Switch is highly secured. It is PA-DSS validated and alleviates the efforts of Payment Service Providers in getting their systems PCI-compliant. The Switch supports both PIN and non-pin credit, debit and chip card transactions. For PIN-based transactions, the Switch guarantees that the PIN will never be in the clear throughout the flight of the transaction by using Hardware Security Module (HSM) functions for all key management and PIN-related functions. The Switch also supports both card-present and cardnot-present transaction processing.

7 Front-End Acquiring M^Dynamics Switch acquires transactions from various channels, including ISO8583-based EFTPOS devices, ATM devices running multi-vendor or proprietary software, Third Party Web application, Web Services, XML-based external processors, card schemes, ISO8583-based Bank Host, etc. Like most EFT solutions, M^Dynamics supports common transaction sets such as Purchase, Refund, CashBack, Cash Withdrawal, Balance Inquiry, intra and inter Bank Transfer, Settlement, Batch Upload, Session Key Management, etc. The distinguishing strength of M^Dynamics Switch is how its versatility makes it so easy to add new transaction types such as Store Value Card or Pre-paid Card Top-Up and customize existing ones to adapt to almost every unique requirement of the business. M^Dynamics can be easily extended to support other devices and host processors that use different message formats by using the Transformation Mapper which eliminates drawn-out configurations of new formats and field mapping. M^Dynamics Switch uses profiles extensively to ease the configuration of a large number of ATM and EFTPOS devices in the network. Authorization/Routing M^Dynamics Switch offers a common integrated authorization engine that raises the security against card fraud by providing blacklist check on card, account and user; usage check by card or user; balance check by account; and PIN or password authentication. With the Transaction/Process Flow Builder, it can be easily enriched or extended to cater to any specific or unique processing as required by enterprises. With the Flow Analyst, enterprises will be able to quickly understand their existing processing flow in detail to facilitate changes to the system. Supporting these authorization functions is a comprehensive and flexible set of content-based routing capabilities, including routing to external processor hosts, card schemes and other external networks based on any entity type including card prefix, account prefix and corporation types. Back-end Authorizers/Issuers M^Dynamics Switch supports interfacing with back-end ISO8583 (1987 to 2003 variants) and XML-based Bank Hosts, card schemes, other Interchanges, and external processors which may be using proprietary message formats. M^Dynamics also supports multi-pass transaction (single transaction which requires interfacing with more than one external party), thus facilitating collaboration with external entities. When back end hosts are not available, the Switch will provide Stand-In authorization with storeand-forward processing for completions and reversals. Settlement and Reconciliation Functions Apart from the modules that handle OLTP, M^Dynamics also provides a set of reporting tools to support Settlement and Reconciliation with other external parties. The power of agility can be in your hands. Unprecedented. Unlimited.

8 Singapore MVI Technologies (S) Pte Ltd 60 Kaki Bukit Place #09-14 Eunos Techpark Singapore Tel: (65) Fax: (65) dynsales@mvitech.com Website: Copyright. All rights reserved. M^Dynamics, DynamicSwitch, DynamicATM, DynamicPOS and DynamicWeb are trademarks of MVI Technologies (S) Pte Ltd