Excellence as a commitment, innovation as a goal. Flexibility and Experience

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1 MICROFINANCE

2 Excellence as a commitment, innovation as a goal. At TOP SYSTEMS we know how institution to trust a supplier and feel that they are an integral part of their team. Since 1987 we have been creating innovative technology solutions that are mission critical elements of our client s strategy and business. Flexibility and Experience Improve the dynamic of your business with the security provided by our know-how TOP SYSTEMS is part of Stefanini Group, one of the leading global providers of technology solutions for the global market. Stefanini is a Brazilian multinational company present in America, Asia and Europe with over 16,000 employees. Nine of the ten largest banks in Latin America and over 90% of private banks in Brazil are attended by the company. With strong innovative orientation, our professional consistent products that are applicable to the most diverse structures and organizational dimensions. Our experience and strong commitment to our clients is what drives us to continually ISO standards. But no technology solution would be complete if it were not implicit that its application is a joint process, adaptable to the changing demands of each market. Our commitment does not end upon installing your solution, that s just where it begins.

3 The software for a financial institution is the platform that allows the Business to generate value. Microfinance Sources for sustainable development. With more than half of the world's population at the bottom of the economic pyramid, microfinance is the only possible and sustainable solution to promote entrepreneurship in the less developed sectors of the world. Currently, there are 500 million small businesses fewer than 10% of them have access to official financial services. This presents an exciting opportunity to provide new financial services that would service these emerging markets in a profitable and sustainable manner. Through microfinance, the most modest of entrepreneurships are turned into viable projects. It is a way of crafting productive businesses and allowing communities to excel, for it is only through prosperity that a society can progress. TOPAZ Microfinance Base for the development of your Institution. Developing TOPAZ Microfinance, we first put ourselves in the customers' place, to get a sense their true needs. Our product had to surpass the expectations for these requirements; otherwise we would be just another supplier among a long list of others. And so we generated a solution that takes into account the diverse markets in which they must operate, prioritizing the true needs of the clients for which microfinance is being provided. We built a highly adaptable system with a specially designed tool to provide a diverse range of financial applications. Through rapid and incremental developments, the implementation of new products and services for clients is achieved in a highly efficient, quick and low cost manner.

4 TOPAZ Efficiency TOPAZ Microfinance is the comprehensive solution for the management of your microfinance institution. It is a modular and all inclusive system especially designed to address the needs of the microfinance sector. It combines broad experience in the microfinance area with ongoing technological research. The business strategy of any microfinance institution must be supported by an agile and flexible technology platform that enables you to create new products in minutes. In TOPAZ Microfinance you will find an ally to help you carry out your ideas as fast as the market requires. Innovation, our experience and cutting edge technology, are the tools we combine to develop our products. Each one is tailor-made to the specific needs of each Institution, adding value to the service that they offer their clients. TOPAZ Microfinance is the answer to manage all the business areas, on line and in real time, leading to agile, automated and efficient management.

5 MULTI CURRENCY HANDLING OF IMAGES MAXIMUM SECURITY MULTI LANGUAGE INTEGRATION WITH ATM NETWORK INTERFACES Macro solution for Micro businesses Flexibility. The creation of new products and services is carried out by the members of the institution in an agile and direct way thanks to the high configurability of TOPAZ Microfinance and the powerful incorporated development tool. Scalability. TOPAZ Microfinance accompanies the growth of the institutions by means of the gradual installation of the modules required by them and an open technology architecture that allows for its installation in the most varied equipment. Multiplatform. Developed in Java language align with the industry standards, TOPAZ Microfinance allows the independence of hardware, operative systems and databases, protecting your mid and long term investment. Development tool. TOPAZ Microfinance offers to the financial institutions the possibility to design and implement operations and reports separately from the supplier. User friendliness. The friendly and intuitive interface, together with ease of navigation and on line assistance available, allow for the fast adaptation of TOPAZ Microfinance users to the system, reducing the required learning period and training costs.

6 Complete and Modular Solution Clients. TOPAZ Microfinance is designed under single client concept, allowing always knows their position within the institution. Enabling to obtain immediately all relevant information for efficient decision-making. Savings and Deposits. This powerful and flexible module allows you to safely manage the tracking of your resources. It administers any kind of open savings account with a unique identification tag. This allows deposits in cash or checks and implementing the payment of commissions due to low averages and limited number of withdrawals. The module included the complete cycle of fixed term deposits, from its opening to account closing, allowing for periodic interest payments and the change of conditions at any given moment. Applications and Credits. This module guides the user securely from credit request to account closing, owing to a sound and complete workflow management. The versatility of TOPAZ Microfinance makes it possible to adapt to the needs of each institution, making the definition of different kinds of credits possible, as well as the evaluation policy by means of a high configurability. It includes an operational simulator that allows the bank to decide quickly and effectively, according to the client's his / her economic rating. Agreements. This module administers the agreements established with different companies, and the loans that were granted to their clients. It allows the collection of payments per payroll facilitating the administration and management of the process. Collection and Management of the Default Portfolio. TOPAZ Microfinance performed the complete administrative task of the debtor portfolio, current and defaulter. It facilitates the emission of the appropriate notifications within the institution's normal collection process right up to its passage to the judicial phase. Banks. This module allows for hands-on control of your institutions' bank accounts. It manages the movements with the banks as well as the request and emission of payment checks for different purposes. It also provides facilities for the reconciliation of accounts with the account statements issued by banks. Accounting. TOPAZ Microfinance carries out accounting on line and in real time. For every executed operation, the correlated accounting charge is automatically generated, without the requirement of an additional process. This automated procedure allows for the attainment of the required reports in a reliable and immediate manner. Treasury. The correct management of funds obtained by the institution is fundamental for the present and future condition of the business. With this module, TOPAZ Microfinance allows the administration of both, the institution's investments and control of the funds and received loans, thus facilitating the control of the resources. Fixed assets. This module integrates the complete administration of its fixed assets and inventory. It carries out the updating of data and the accounting of deferred expenses. Tills and Vaults. All entry and exit cash movements, as well as the transit between Tills and Vaults are implemented under an appropriate security outline. TOPAZ Microfinance allows for the establishment of operative limits, consults and controls of the cash in any of the tills and branches at any given time. Family Remittances. This module administers the payment of the cash transfers from abroad in a secure manner, guaranteeing the trust of those sending money to their beloved ones. Exchange Desk. TOPAZ Microfinance gives instant readings on the state of the foreign currency, allowing the option of adding the foreign currency exchange service to your company.

7 Suite of Complementary products Part of the success of a financial institution is based on having a solid core system, that will allow for the growth of the institution. TOP SYSTEMS enables you to integrate your value-added systems so that you can benefit from having one provider. Risk Management Knowing, measuring and monitoring the risks gives the competitive edge and support needed at the time of decision making and guarantees the institution s sustainable growth. This complete product allows you to carry out integrated management of all the risk factors, incorporating both the qualitative and quantitative ones. Business Intelligence. Get real-time actionable access to your institution's critical information. The data analysis that this application delivers, provides the proper support for timely decision taking. In the financial environment, the capabilities that Business Intelligence offers make the difference between success and failure. Planning and Budgeting. With this application you can project, plan and integrate the operations of the different areas of your institution in as many scenarios as required. Projecting expenditures and revenue for a specific period allows your institution to establish priorities and evaluate reaching the objectives. Credit Cards. In today's world it is necessary to have highly specialized solutions for the processing of credit cards. This solution includes the complete processing of all credit cards, including generation processing and administration. Compliance. The current environment requires solutions specifically designed to prevent the introduction of illicit money into the financial market. Our solution completely automates all money-laundering controls using powerful analysis tools and a comprehensive alert management. Developed according to the principle Know your Client, the solution allows the Compliance Officer to come to fast and reliable conclusions. Mobile Banking. This complete Mobile Banking Suite covers all the banking and financial operations by means of a group of prepackaged transactions that allows for the customization and extension of its functionalities. The multiplatform nature of the solution, allows it to be executed at all kinds of mobile handsets, independent of the brand or operating system.

8 Secure information, in real-time, with the connectivity that your institution needs. CHANNELS Scalable Architecture TOPAZ Microfinance has been designed to fulfill the toughest requirements of International banking using open technology and the latest models of connectivity. Centralized System All the institution's information resides in a central Server, allowing access from any place, on-line and in real-time. Open Architecture The system has the ability to interrelate in a simple manner with other applications. Its architecture in multiple layers allows for simple interaction with other applications. Developed in Java The system is developed entirely in JAVA/JEE, providing access to high performance cutting-edge open technology. This language has proven to be the best option for applications with solid business presence. Service Oriented Architecture (SOA) Its architecture has been oriented to services (SOA), which allows for greater technical and business flexibility. It facilitates scalability, integration and co-existence with other applications. Web-enabled It is possible to access TOPAZ Microfinance through a web browser. Our web-enabled system provides all the advantages that can be offered to the desk client by providing the comfort of a traditional web browser, improving the speed of response, the use of the systems' resources and of the connections of data. SERVICES BUSINESS LOGIC DATA MODEL Exposure of Services Business Logic Re-usable logic (fine grain) Business Model DATABASE

9 Our advantages, your benefits Based on our experience and market knowledge we can affirm that TOPAZ Microfinance is the most complete system currently available for the management of micro financial institutions. Strengthening the relationship with the client. The client is the heart of TOPAZ Microfinance, allowing a unique and complete picture of all the business activities. In this way the system aids in build of more solid relationships Increase in productivity. TOPAZ Microfinance increases the company's productivity by means of automating all the areas of the business, while avoiding manual procedures and possible human error risk. Maximum Management speed. TOPAZ Microfinance's agility and speed, allows for rapid customer service, avoiding unnecessary delays and therefore, increases customer satisfaction. Essential Reports at the right time. TOPAZ Microfinance provides instantaneous management reports allowing for increased control of the business, management information for decision taking and the mandatory reports to fulfill financial authorities' control requirements. All inclusive solution. TOPAZ Microfinance is a modular system that covers all the areas of your business allowing for gradual installation according to the institution's needs. All activities are integrated in the same system, regardless of the number of modules and the order in which they are installed. On-line Institution. With TOPAZ Microfinance your institution will have a system that is available on-line and real time, allowing you to obtain instant information. Cutting edge technology. TOPAZ Microfinance allows our clients to be technology updated owing to the constant research and development of new versions released by the company.

10 Our aim is to do business according o our values Collaborating with our clients to increase their competitive edge by means of innovative solutions and advanced technology at the pace of the financial industry. Contributing with our extensive know-how in the financial and technology sector, seeking to be a strategic partner in your business activities. Achieving total customer satisfaction through our specialized management, guided by the highest standards of integrity and professionalism. Specialization with balance Technology research with a global business perspective. Agile solutions for complex needs Innovative Systems that adapt to your institution.

11 Global Financial Solutions