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Slide1: i-flex – A Profile To: CAIB, St. Lucia November 2004 Navin Javeri Regional Sales Manager - Caribbean

Slide2: Softcopy Name : i-flex Corporate_sep 2004 Published Date : Oct, 2004 Document Classification : General – Restricted with No Further Release Confidential  Due care has been taken to make this Presentation as accurate as possible. Certain statements made in this presentation may not be based on historical information or facts and may be “forward looking statements” and may be subject to risks and uncertainties that could cause actual results to differ materially and adversely from those that may be projected by such forward looking statements. These risks and uncertainties and other factors that could affect, including but not limited to, competition, acquisitions, economic conditions, ability to retain highly skilled employees, technology, law and regulatory policies, managing risks associated with its business. i-flex makes no representation or warranties with respect to the contents hereof and shall not be responsible for any loss or damage caused to the user by the direct or indirect use of this Presentation. i-flex may alter, modify or otherwise change in any manner the content hereof, without obligation to notify any person of such revision or changes. All company and product names are trademarks of the respective companies with which they are associated. COPYRIGHT © 2004 i-flex solutions limited All rights reserved.

i-flex’s Mission: i-flex’s Mission Enabling financial institutions worldwide to excel through the effective use of information technology

Key Differentiators: Key Differentiators Exclusive Domain Focus Quicker Delivery; Superior Quality; Reduced Time-To-Market Comprehensive Product Suite Benefit from partnering with a single vendor; one-stop solutions provider Global Experience Insights into the market(s) banks operate in; Managing complex, global deployments

The Journey So Far…: Unlisted : $1 Mn Capital Legacy product - MicroBanker Start-up Services Business 9 customers in 7 countries $2.5 Million Revenue Startup product business 120 staff Three offices in India Listed in India : Mcap ~ $ 1 Bn Well diversified product suite ~$100 Mn Services Business 495+ customers in 108 countries $186 Million Revenue FLEXCUBE # 1 Brand Internationally 4000+ staff (international) Worldwide offices - 20 countries Where we started : 1992… Where we are : 2004… The Journey So Far…

Globally Successful Products: Globally Successful Products FLEXCUBE World’s best-selling banking solution since 2002 (IBS, UK) 205 customers across 90 countries, on Sep 2004 "Application of the Year" & “The Banker Core Banking Solution of the Year“ by The Banker, London Awarded the prestigious 2004 Global Entrepolis @ Singapore Award - for an invention that best applies technology to a strong business model and commercial potential Reveleus Industry’s only meta-driven business intelligence solution and analytics suite Finalist for DM Review's World Class Solution Award - 2004

i-flex – Sample Customers: Central Bank of Malta i-flex – Sample Customers Global FIs Leading Regional / National FIs Specialized FIs Karur Vysya Bank Reserve Bank of India

Customer Presence In LAC : Customer Presence In LAC Antigua Antigua Overseas Bank Antigua Commercial Bank Antigua Barbuda Investment Bank Bahamas First Caribbean International Barbados Central Bank of Barbados First Caribbean International Cayman Island UBS Warburg Chile Banco De Chile Jamaica RBTT Jamaica Pan Caribbean Merchant Bank Trinidad & Tobago Hindu Credit Union RBTT Trust Venezuela InverUnion (formerly Eurobanco) Citibank Dominican Republic Paraguay Bolivia Miami Lloyds TSB

FLEXCUBE’s Success: FLEXCUBE’s Success Over 204 customers in over 91 countries

FLEXCUBE Competitive Positioning: FLEXCUBE Competitive Positioning Source: International Banking Systems, UK IBS Sales League Table – Top Selling Packages 1997 - 2003 1997 - #16 - FLEXCUBE 1998 - #9 - FLEXCUBE FLEXCUBE Launched Nov 97

i-flex – A Reliable Partner: i-flex – A Reliable Partner

What customers say: What customers say “We were able to renovate the system at one tenth of the cost and one third of the development time of those at other banks.” - Masamoto Yashiro, Chairman and President, Shinsei Bank (Nikkei Computer, June 1, 2001) “As a global financial services company which is using technology to improve productivity and lower operating costs, the use of FLEXCUBE will allow us to gain efficiencies by standardizing our operating environment,” - Robert Druskin, Chief Operations and Technology Officer at Citigroup (Feb 2001) “i-flex’s customer and result driven approach combined with FLEXCUBE’s capabilities have contributed to smooth and timely delivery of one of the large change programs within our organizations.” - Philip Freeborn, Deputy CIO, UBS Investment Bank, UK

New Directions …: New Directions …

Slide14: Thank You