U.N.I.V.EOne is all you needOne is all you need

We are…We are…

‘‘Unified Multi-Purpose Unified Multi-Purpose Transaction Card’ Transaction Card’ providerprovider

Problems

Cardholders carry Cardholders carry TOO TOO MANY MANY cards at one timecards at one time

““Frankly… Will you Frankly… Will you bring bring ALLALL of them of them out??”out??”

All-in-ONENO CHANGE in consumer spending habits requiredEncourage SPENDING among cardholders

SolutionsSolutions

Patented Patented Dynamic Dynamic Magnetic StripeMagnetic Stripe TechnologyTechnology

Magnetic StripeMagnetic StripeRFIDRFIDSmart Card ChipSmart Card Chip

Market SegmentMarket Segment

Primary Target (1Primary Target (1stst yr) yr)

Existing credit cardholders in Existing credit cardholders in SingaporeSingapore

Secondary Target Secondary Target (2009 0nwards)(2009 0nwards)

Expansion into worldwide Expansion into worldwide credit cardholderscredit cardholders

1.4 Billion cards

300 million in AP

13% growth

CompetitionCompetition

Pay Per TouchPay Per Touch

CashCash

Credit CardsCredit Cards

Unit EconomicsUnit EconomicsInitial investment of $1.5 million (in stages) on operations, research and market reach

$180,000

$120,000

$100,000

$80,000

$60,000

$40,000

$20,000

$3,500

$3,000

$2500

$2,000

$1,500

$1,000

$ 500

$ 0

1Q08 2Q08 3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 2010 2011 2012

Revenue

zz

Expenses

Graph in millions (‘000)

Revenue and Income over 5 years

Revenue EBIT D A

$173,000$180,000

$120,000

$100,000

$80,000

$60,000

$40,000

$20,000

$3,500

$3,000

$2500

$2,000

$1,500

$1,000

$ 500

$ 0

Graph in millions (‘000)

1Q08 3Q08 1Q09 3Q09 2 010 2 011 2 01 2

$59,300

Milestones

2008Opened SingaporeWill open in Indonesia, Taiwan,

Hongkong and China

2009Expansion into India, Europe and US(20 locations)

2010 onwardsOpen 5 – 6 offices across US following

clients’ locations

Visa

The D ynamic Magnetic Strip