Crystal Clear Software Ltd COMPANY PROFILE

Crystal Clear Software Ltd.

COMPANY PROFILE • • • A Uganda-based Company, founded in 1998 ISO 9001: 2008 Certified Specialized in Software for Micro-Finance Branch Office in Costa Rica Many Consultants all over the world

COMPANY’S PURPOSE Make LOAN PERFORMER the standard for micro-finance How? By creating a Product that is: • Flexible • User-Friendly • Customizable • Affordable

LOAN PERFORMER INSTALLED BASE Number of Active Clients 321 Clients Use LPF 26% in East Africa 48% Rest of Africa 17% Eastern Europe & Asia 9% Caribbean & Latin Am. 720 Installed Sites Data as per 01/11/2011

• THIRTEEN YEARS IN BUSINESS 1998 -2011 • Quality Award for Maintaining the highest quality in Management Quality Systems from Uganda National Bureau of Standards (Nov 2011). • ISO 9001: 2008 Certified for Quality Management Systems (Oct 2010). • INNOVATIVE PRODUCT AWARD from Uganda Communications Commission (Oct 2010). • Selected TWICE as one of the Top 100 MID-SIZED COMPANIES in Uganda by KPMG (Oct 2009, Dec 2010) • 2 Nd Runner up in the Small Scale Category at the INVESTOR OF THE YEAR AWARD 2009. • Two out of the 20 winners of the CGAP (World Bank) Financial Transparency Award 2007 for MFIs use Loan Performer: Findev and Viator, both in Azerbadijan. • WINNER OF THE AFRICAN SMME AWARDS 2005 in the Information and Communication Technology sector, Issued by the Centre for Investment Analysis (ACIA) of the University of Stellenbosch Business School in Capetown, South Africa. • SILVER IN THE 5 th PRESIDENT’s EXPORT AWARDS 2003 for being the Number 1 Exporter in the category of ICT Exports. • INVESTOR OF THE YEAR AWARD 2003 for the “Best Software Development for the year 20022003” from Uganda Investment Authority.

LOAN PERFORMER MODULES IN 8. 0 Client Module • Individual Clients • Businesses • Group Members • Photos/Signatures Shares Module • For Inds. & Groups • Dividend Fingerprint Scanning (Add-on) General Ledger • All Financial Statements • Budgeting • Assets • Sales & Purchases • Multi-Currency • Export to Other Accounting Packages WAN Connectivity (Add-on) Savings Module • Savings Products • Time-Deposits Loan Portfolio Module • Tracking of Group Accts • Links to Savings/Shares • Printing Loan Contracts • PMT Tool SMS Banking (Add-on)

WHAT’S NEW IN 8. 0? • WAN Networking with Crystal Link • Biometric Fingerprint scanning (for user access as well as client validation) • SMS Banking • Multi-Currency • Poverty Assessment • Customized reports • Etc.

WIDE AREA CONNECTIVITY

CRYSTAL-LINK WAN or Internet Compressed & encrypted data LPF Clients (Branches) LPF Server (Head Office)

Server Side n Windows 2003 and later (even XP up to 10 connections) n Internet Information Services (IIS) n Public IP address n SOAP Toolkit n LPF Server DLLs exposed as Web Services n n Database: SQL Server recommended for security reasons Connection 768 KBPS dedicated or higher

Client Side n Windows 2000 and later n SOAP Toolkit n Local Lookup tables n LPF Client – lightweight exe n Connection: 512 kbps Shared Internet

Skills Needed to Support LPF 8. 0 on WAN • Installation & Configuration of IIS • Installation & Configuration of SQL Server • General Windows troubleshooting skills

FINGERPRINT SCANNING

üHigh-performance, maintenance-free optical fingerprint sensor üSensor resistant to scratches, impact, vibration and electrostatic shock üAuto-On™ (Automatic Finger Placement Detection)* üSmart Capture™ (Self-Adjusting Fingerprint Brightness) üUSB connection üRemovable weighted stand üCompact, lightweight and portable üIntegrated finger guide üReadily accessible for any finger üDriver CD included üThree year limited warranty Price: 100 Dollars Excl. VAT

ü FBI Certified "PIV Single Finger Capture Device" ü GSA APL listed and FIPS 201 / PIV compliant ü High-performance, maintenance-free optical fingerprint sensor ü Sensor resistant to scratches, impact, vibration and electrostatic shock ü Auto-On™ (Automatic Finger Placement Detection)* ü Smart Capture™ (Self-Adjusting Fingerprint Brightness) ü USB connection ü Removable weighted stand ü Compact, lightweight and portable ü Integrated finger guide ü Readily accessible for any finger Price: 150 Dollars Excl. VAT ü Driver CD included

When to use the Fingerprint Biometric Scanner? q Users Login q Savings Withdrawal q Time Deposit Withdrawals q Disbursements

CAPTURE USER/CLIENT’S FINGERPRINTS Put the thumb on top of the Scanner. Click on “Capture Image” Do this once for each thumb.

If Fingerprint Login is activated, Username And Password are de-activated.

SMS/MOBILE BANKING

FUNCTIONALITY SMS BANKING • • • General messages Send message when time deposit matures Send message after a savings deposit/withdrawal Send message after a savings transfer Send message after savings interest payment Check savings balance Send message after loan is disbursed Send message to guarantors after loan is disbursed Send repayment due reminder message Send arrears notice message to guarantor Check loan/arrears balance

REQUIREMENTS FOR SMS BANKING q Loan Performer 8. 0 q GSM Modem/GSM Phone or SMPP Server q SIM Card + Airtime

SMS BANKING • Identification by combination of account, phone number and password • All messages can be customized into local languages • IMF can Charge Clients for SMS Services

SMS MESSAGES REPORTS FROM LPF q q Received Messages Unsent Messages q Sent Messages q Error Messages

OTHER FEATURES IN 8. 0 • • • Poverty Assessment Bank Reconciliation Loan Refinancing Foreign Exchange Transactions Overdrafts Check Books for Savings Accounts Custom Reports Automatic Updates of the Program Automatic Closure of LPF if no activity etc.

WHEN? 2 DECEMBER 2011 NEW INSTALLATION? SQL SERVER LPF LICENSE (USD 3, 000) + USD 1, 040 PER ADDITIONAL BRANCH for WAN + 20% ANNUAL FEES UPGRADE PATH? EXISTING BRANCH DATABASES NEED TO BE CONSOLIDATED UPGRADE COSTS? SQL SERVER LPF LICENSE (USD 3, 000) + USD 1, 040 PER ADDITONAL BRANCH for WAN + 20% ANNUAL COSTS + DATABASE MIGRATION COSTS (USD 300 PER DATABASE) – PREPAID ON PREVIOUS LICENSE(S)

PRICES NEW FEATURES IN 8. 0 • SMS Banking: +20% of license + 1$ per SMS account Fingerprint Scanning: +10% of license plus USD 150 per scanner (ex-VAT) Web-access for customers (check accounts only): + 10% of license • WAN Connectivity: 3, 000 USD + 1, 040 USD per additional branch • Example MFI with 1 office, 5 -user license with SMS+FPS (3 scanners): (1, 600 + 20% + 10%) plus 20% annual fees plus 3 x 150 = 2, 946 $ • Example MFI with 3 branches and 20 users with SMS+FPS (9 scanners): ((3, 000+ (2 x 1600) ) + 20% + 10%) + 20% annual fees + 9 x 150 = 11, 022 $

CRYSTAL CLEAR SOFTWARE LTD P. O. Box 7463 Kampala Uganda 3 rd Floor King Fahd Plaza, Plot 52 Kampala Rd Tel: - 256 -414 -231739 Fax: - 256 -414 -233644 Email ccs@infocom. co. ug Website: www. loanperformer. com