Will-Be Solution

www.willbesolution.com

May 2015

All Rights Reserved. Copyrightⓒ2012 Will-Be Solution 2 <<<

Company Profile

Since its establishment in 1999, Will-Be Solution has been committed to providing our clients with high-quality CRM

and SMA consulting services and products. Our own CRM and SMA packages, i-CRMS, i-FIWS and i-SEMS are

highly flexible to fit various customer requirements . We have achieved a decade of growth and now continue to

diversify our business into solution provider in overseas market.

Ⅰ. Company Brief

1. Name Will-Be Solution, Inc. 2. CEO Yum Jang Pil

3. Business Area Consulting service and system implementation, solution provider

4. Location Rm.301, Seoul Forest Halla SigmaValley, 325-2 SeongsuDong- 2Ga, Seongdong-Gu, Seoul

5. Contact TEL: + 82-2-595-2230 FAX: + 82-2-780-7010

6. Established August, 1999

7. History

Sep, 2000 - Entered in DW, CRM, and SMA business

Aug, 2003 - i-CRMS, and i-SEMS receives utility model patent (Korea, Patent No. 0323843)

Mar, 2005 - received the prize for Best CRM vendor in the 4th Korea Software Vendor Award

Mar, 2006 - received the “Excellence Prize” in Digital Business Innovation Award

Apr, 2010 - received the “Grand Prize” in Korea Dynamic Force for New Growth Award 2010

(For higher value added sector: contents, and software/open software)

Apr, 2012 - listed to Active CRM Vendor (Korea) – Gartner

Mar. 2015 – Will-Be Solution Vina Inc. was established in Vietnam

All Rights Reserved. Copyrightⓒ2012 Will-Be Solution 3 <<<

• Samsung Ins., Hyundai Ins., Nonghyup Ins., Samsung sec, Hyundai Swiss S&L, Dongbu S&L etc.

(Ins : Insurance, Sec : Security, S&L : Saving Banks)

• Almost all of Korean banks: Shinhan bank, Woori bank, Hana bank, Nohyup(Agri.) bank, Postal service,

Kookmin bank, Suhyup Bank, Korea Development Bank, Korea Exchange bank etc.

Banking & Financial Group

Other Financial

Institutions

Public Service & Others

• Will-Be Solution main market and customers are listed below.

Main Market / Customers / Partners Ⅰ. Company Brief

• National Pension Service, Korea Asset Management Corporation, Korea Workers' Compensation & Welfare

Service, Korea Federation of Community Credit Cooperatives, Korea Credit Bureau etc.

• Global : IBM Global : FMF Listed & IBM Korea ISV (Independent Solution Vendor), Gartner: Active CRM

Vendor, SAP Global BP, Oracle OFDM & ISV (Independent Solution Vendor), Teradata BP,

• China : ISoftStone in China: Biz alliance, SK C&C Beijing in China : Biz alliance , KSP .etc

• Vietnam : CMC (contracting is on progress)

Global Partners

• Will-Be Solution major partners are listed below.

• Samsung SDS, LG CNS, SK C&C, LG Hitachi Local

Partners

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Lately signed up the contracts with the clients in China and Japan to deliver our package solution which has been tailored through accumulated business knowledge and technologies in financial sector

Product Delivery clients : - CRM Solution (i-CRMS) - Hanabank in China - SMA Solution (i-SEMS) - Hanabank in China - DW Solution (i-FIWS) - HanaBank in China, SBV(The State Bank of Vietnam)

Provides optimum solutions and applications based on our experiences in providing DW, CRM and SMA consulting and implementation services for numerous financial institutions

System implementation : CRM(CCS, SFA, CM), DW, SMA(ABC,FTP,PA), performance management (KPI), business planning and risk management, Audit System

CRM : CRM strategy, Sales & marketing, Customer analysis, and SSP(Sales Stimulation Program) Consulting SMA : Business planning, FTP & Profitability measurement/Analysis, Cost management, and KPI Consulting Risk : BaselⅡ, and RAPM (Risk Adjusted Performance Management) Consulting DW : CRM, SMA, and risk related DW consulting and ISP (Information Strategic Planning) Consulting IFRS : IFRS Consulting

i-CRMS : Integrated customer relationship management system (CRM) i-SEMS : Integrated strategic enterprise management system (SMA) i-FIWS Suite : Integrated financial information warehouse service i-SysFrame : Integrated SOA framework (J2EE, J2SE)

Solution Provider

Consulting Service

System Integration

Service

Solution & Global

Business

Will-Be Solution provides consulting and system implementation services for CRM (CCS, SFA, CM),

SMA(Profitability, cost, and performance management), DW, and IFRS.

We have recently entered in Chinese market with our package solutions.

Business Areas Ⅰ. Company Brief

All Rights Reserved. Copyrightⓒ2012 Will-Be Solution 5 <<<

Approach

Business management and marketing are interacting with each other within a single loop. The interface points

between business management and marketing, where the logics of management and sales are crossed over, are

critical for the growth and development of a firm. Will-Be Solution supports those interactions by establishing KPI

and performance management process.

Business Management Area

Marketing Plan

Sales activity Performance measurement

Profit measurement

Profit, cost and

performance measurement

Sales activity data

Set goal

Analyze management performance

Analyze profit/cost

Work out sales alternatives

Analyze sales performance

Work out management alternatives

Detect weak points

Interaction between

management and marketing

Marketing Area

How to

Enhancing sales capability CRM, SSP, and PI

Enhancing financial capability

KPI, FTP, ABC,

PA…

What Current status?

Weakness? Any alternatives?

• Need to establish

optimum, profit-

oriented process

• Enhance financial

capability

Ⅰ. Company Brief

All Rights Reserved. Copyrightⓒ2012 Will-Be Solution 6 <<<

CRM consulting CRM ISP and DW Analytical systems renewal SMA consulting SMA Performance

management Basel II IFRS

Diagnosis / strategy SFA / CM Consulting/ DW IFRS , etc Diagnosis / strategy ABC,FTP,PA KPI,BSC,RAPM RDM Mart/Consolidation

Methodology i-CRMS™ Method./ i-FIWS™ i-FIWS™ Methodology i-SEMS™ i-SEMS™ i-FIWS™ i-FIWS™

(Holding company)

(China) (China) (China)

Area

Solution

Completed In Progress References: Domestic & Oversea

Reference

(Credit)

(Deduction / distribution)

(Union)

(Enterprise)

Ⅰ. Company Brief

All Rights Reserved. Copyrightⓒ2012 Will-Be Solution 7 <<<

References: i-CRMS, i-FIWS And i-SEMS

i-CRMS / i-FIWS

NH

Ba

nk

Period - May,2004 ~Dec,2005

Product

System ENV.

- i-CRMS CM/SFA,

i-FIWS Suite (Ref Model)

- Feb, 2007~Dec, 2007

- i-CRMS CM/SFA

i-FIWS Suite (Ref Model)

- Feb, 2008 ~Dec, 2008

- i-CRMS CM/SFA

- Feb, 2010 ~Jul, 2010

- i-CRMS CM

- Sep, 2006 ~ Apr, 2007

- Oct, 2012 ~ Dec, 2012

- i-SEMS FTP/ABC/PA

- Dec, 2009 ~ May, 2010

- May, 2012 ~ Dec, 2012

- i-SEMS FTP/ABC/PA

i-SEMS

- UI : FLEX - DB : Oracle, Teradata OLTP (Oracle) OLAP (TeraData)

- UI : .Net - DB : Oracle, Teradata OLTP (Oracle) OLAP (Teradata)

- UI : X internet DB : Oracle, Sybase

OLTP (Oracle) OLAP (Sybase)

- UI : X internet - DB : Oracle, Sybase OLTP (Oracle) OLAP (Sybase)

- UI : .Net, SmartClient - DB : Oracle

- UI : .Net, SmartClient - DB : DB2

Wo

ori

Ba

nk

Su

hyu

p

Ba

nk

Sh

inh

an

Ba

nk

Period

Product

System ENV.

Period

Product

System ENV.

Period

Product

System ENV.

Period

Product

System ENV.

Period

Product

System ENV.

Do

ng

bu

Sa

vin

gs

Ban

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Hyu

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ai

Sw

iss

Savin

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Ⅰ. Company Brief

All Rights Reserved. Copyrightⓒ2012 Will-Be Solution 8 <<<

References In China: i-CRMS, i-FIWS and i-SEMS

i-CRMS/i-FIWS(CRM/DW Solution)

Hana

Bank

China

- Jun, 2007~Nov, 2007

- i-CRMS SFA, i-FIWS Suite

- UI : C#.net, SmartClient

- DB : Oracle

Hana

Bank

China

- Aug, 2009 ~ Dec, 2009

- i-SEMS FTP/ABC/PA

i-SEMS(SMA Solution)

- UI : C#.net, , SmartClient

- DB : Oracle

- Chinese / Korea - Chinese / Korea

Period

Product

System ENV.

Language

Period

Product

System ENV.

Language

Ⅰ. Company Brief

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Our Value And Strengths Ⅰ. Company Brief

Matter of

data &

practice Staffs

(Consulting & SI)

Construction Period

Solution

Integrated Solution

• Will-be people who used to work at financial firm for several years have enough capability to provide consulting and SI

• Enough implementation experiences as a consultant in finance industry • Know well about raw data and the desired output

• From the history, Will-be finalized their projects sooner than that of other firm

• Covering from DW to SMA means knowing broad range between systems • Provides solid roll-out plan and the best way to expand to other system

• Sole firm which covers DW, SMA, KPI and CRM and which can provide both consulting and implementation in Korea

• Has enough templates to apply general banking industry • Adopts bullet-proof process management during the project

• Integrated solution among CRM, SMA and KPI based on DW • Easy to execute feasible action plan through CRM and KPI • Has lots of success cases confirmed by advanced banks. e.g. campaign list, event trigger list, activity set and KPI dictionary etc.

From the numerous experiences of consulting, system implementation and operation projects for various type of

financial business, we have known financial company’s needs. And our solutions, i-CRMS and i-SEMS, are the

fruits of this effort. The solution is the best fit to the particular requirement and environment of financial institution.

Conviction of

Successful

Result

All Rights Reserved. Copyrightⓒ2012 Will-Be Solution 10 <<<

Will-Be Solution Application Architecture Ⅰ. Company Brief

Solution Architecture

Strategic Enterprise Management

Operational CRM

Reporting SFA

Customer Care

Sales Support Campaign Manager

Budget & Planning

FTP (Fund Transfer)

ABC (Costing)

Profitability Analyzer

KPI

Customer / Customer Group

Organization

Financia

l Sta

tem

ent

Account

Channel

Information Warehouse Service

Logical Data Model

Meta Data Management

Query Based Expression Query Based Report

Channels

ARS Mobile Kiosk Call Center E-mail Internet Branch/PB DM/TM FAX CD/ATM

CRM

SMA

DW

Channel

Analytical CRM & BI

Data Mining

Customer Analyzer

OLAP

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Will-Be Solution Financial Solution MAP Ⅰ. Company Brief

i-SEMS®

(Integrated Strategic Enterprise Management System)

i-CRMS®

(Integrated Customer Relationship Management System)

i-Sysframe® (J2EE Framework)

KPI

PM(performance Measurement)

B&P(Budgeting & Planning)

Operational CRM

SFA CCS(Customer Care Service)

SAS(Sales Support)

CM(Campaign Manager)

LDM (Logical Data Model))

DFD (Deferred Solution)

OGG (CDC Solution)

DCM (Data Consistency Management)

SQM (Service Quality Management)

BI Portal (Biz Intelligence Portal)

Analytical CRM

CA(Customer Analyzer)

Data Mining

OLAP

i-FIWS® Suite (Integrated Financial

Information Warehouse

Service)

Budget 및 성과관리

Profitability Measurement

ABC(Activity Based Costing)

FTP(Fund Transfer Pricing)

PA(Profitability Analyzer)

Product Assets

OLAP Solution - OEM

All Rights Reserved. Copyrightⓒ2012 Will-Be Solution 12 <<<

High level description about Our EDW solution Ⅰ. Company Brief

Data Source

(Legacy)

EDW

Cust. Analysis

Risk Analysis

Prof. Analysis

KPI Analysis

Data Mart

EIS/MIS

Users

External Data

BC Card

Credit Bureau

.etc

Core Banking DB

Saving

Loan

Trust

Bonds

Foreign EX

G/L

CIF

(Mainframe/Unix)

(Server)

Other Internal DB Credit Review

Securities

Bancasurance

HR

Budget

Card

Master(or Metadata) Management System (Meta)

ODS(=RDW)

Channel Analysis

DFD

CDC

ETL

Staging

Real Time INF.

Reporting ETL

OLAP

OLTP Services

Staging

Summary

Mart

Feedback M

M Report

M

M

M

M

BI Portal

DCM

DCM DCM

SQM DCM

A

MDM

Methodology, Data Quality Management (DQ, DA) DQM

Financial Model & Tool (ER) ER

DCM

AP 1

Batch

… AP n

Multi Channel Architecture MCA

A

A

A

M

A

A

M

A

Will-Be DW solutions has necessary elements technology at the flow of Data (=from Data Source to Data mart).

Product & model of Will-Be Solution has shown in red below. Assets(Templates) of Will-Be Solution has shown in

blue.

Div. Contents

i-FIWS™ Product

i-FIWS™ Model

i-FIWS™ Assets

Other Solution

DFD

EAI

M

A

*DCM : Data Consistency Management

*SQM : Service Quality Management

*CDC : Change Data Capture

*DFD : Deferred Solution

*ETL : Extract, Transportation, Load

*ODS : Operational Data Store

*EDW : Enterprise Data Warehouse

*EAI : Enterprise Application Architecture

*EIS : Executive Information System

*MIS : Management Information System

Enterprise Application Interface EAI

ETL

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The chronicle of bank’s data-warehouse in Korea Ⅰ. Company Brief

Bank ~2000 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

KB

(Rank1)

Shinhan

(Rank3)

Woori

(Rank2)

Hana

(Rank4)

KEB

(Rank6)

IBK

(Rank7)

NHB

(Rank5)

DW Core

Banking

1998

29 months

25 months

24 months

24 months

36 months

22 months

24 months

It appeared first-time modern DW model based on ODS(=RDW)-EDW structure at Hanabank in 1998. Other banks

followed the model. Nowadays, Korean banks have improved their DW infra into open (Unix) environment so to

react flexibly.

Second

Next generation

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The chronicle of bank’s CRM in Korea Ⅰ. Company Brief

Bank 2000 ~2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013

HNB

KB

Woori

Shinhan

KEB

SC

IBK

Pusan

NHB

(Agri.)

Soo-

hyup

SIS Unisys/Will-Be Member

CRM

NCR RO

CRM

IBM/Siebel

SRMS NCR RO

NMC

CRM IBM/Siebel

CRM upgrade

HP/E-cube

CRMS

CRM

CRM

HP/E-piphany

CRM

HP/E-cube

CRM

NCR RO

CRM

CRP In-house

CRM upgrade

Upgrade

HP/E-cube

CRM Integration

(Co-consulting by Will-be & Accenture)

CRM

Corp. CRM

Accenture

China

Corp. CRM

F. Group CRM

PB System In-house

G-CRM

SK C&C

CM Upgrade

Upgrade

Almost of major banks adopted CRM system early 2000, lots of 1st generation of CRM were western system, but

from the second generation, it’s changed because it wasn’t appropriate to Asian customer, so banks have developed

CRM into diverse area like G-CRM, corporate customer CRM and Real-Time Marketing etc.

CM Upgrade

Corp. CRM

CRM Consulting

CRM Upgrade/ g CRM

g-CRM

Real Time Marketing

Biz Hub

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The chronicle of bank’s SMA in Korea Ⅰ. Company Brief

** SEM (Strategic Enterprise Management): bank’s management accounting system ** Aside from the above, we had more references like KNB, Post-office etc.

Bank ~2000 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

HNB

KB

Woori

Shinhan

KEB

SC

IBK

KDB

NHB

(Agri.)

Soohyup

SIS Unisys/Will-Be Member

SEM

SAP FI/CO

SEM Upgrade

In-house

SEM

SEM

SEM

SEM

NCR VA

Next- generation

SEM

SEM

China SEM

SEM Upgrade

In-house

SEM Upgrade

In-house

SEM upgrade

SEM

In-House

SEM upgarde

Applying IFRS

Applying IFRS

SEM

In-house

SEM

Oracle OFSA

The situation of SMA is similar to that of CRM, early western version had changed into Korean version, due to

cultural difference. There are two special point of next generation SMA. First they had develop it into RAPM and the

second, as Korea adopted IFRS, they applied IFRS concepts to SMA.

Oracle OFSA

All Rights Reserved. Copyrightⓒ2012 Will-Be Solution 16 <<<

Expected benefits from DW, CRM and SMA Ⅰ. Company Brief

Bank-wide information single view

Automate and standardization of analytic

infra

Improve efficiency and convenience

Reinforce of strategic analytic function

Reinforcement of information infrastructure

• Data integration for single view

• The same data for the same meaning

• Infra to access easily for every user

• Provide data with standard format via. EDW

• Have core-banking focus on

his own duty

• Standardized information

infra with no duplications

• Secure system’s flexibility,

scalability, connectivity and

high performance

• Satisfy basic conditions to

go to process innovation

• No more waste time

- to collect raw data

- to validate quality of raw

data

- to wait to get data from IT

department

- to make regular report

- to make complex report

• Secure stability by performance improvement

• Support to make a decision based on the fact

• Convert data into a valuable asset

• Have business person reduce repeatable simple tasks

• Have business person focus their own duties like strategic thinking

Reinforcement of high efficient business

Easily get the result from more sophisticated analysis in time

Finally, the bank can get the result easily from more sophisticated analysis in time through implementing information

system infra – DW, CRM and SMA. And it means employees could focus more strategic duties and total management

expense would drop.