1. Polaris Software Labs This presentation is the copyright of Polaris Software Lab and cannot be circulated without permissions. Copyright of Polaris Software Lab Ltd 2008

3. International Offices Belfast Chennai Chicago Dubai Dublin Frankfurt Fremont Hong Kong Hyderabad London Manama Mumbai Neuchatel New Delhi New Jersey Riyadh Santiago Singapore Sydney Tokyo Toronto Utrecht Vincennes Wicklow Near-shore Development Centers NJ, Canada, Northern Ireland, Sydney Super Specialization Centers Chennai, Hyderabad, Mumbai, Gurgaon, Bangalore (Optimus) Top 7 Wall Street Majors, Top 5 High Street UK banks, Top 5 Mainland Europe Banks, Leading Middle East, South East and Indian Banks as Customers $ 330 Mln in revenue, 11000 banking solution experts, Intellect Suite contributes to 20% of Polaris revenues within 3 years of existence

4. Retail Banking Solution Center Home to our Product Group Investment Banking Solution Center Corporate Banking Center Enterprise Solution Center Risk & Treasury Insurance and Testing Center

5. Leader in the category of "Specialty Application Development" among the Top 100 global companies for the years 2006 and 2007 According to the 2007 Forrester Report of Global Banking Platform Deals in 2006, Polaris has been placed in the Global Challenger Group among banking platform vendors worldwide (12 banking platform deals in 2006) Front Office Project Winner (2007) – Replacement of 27 European Risk Treasury Branch Systems over 18 months at Citibank 1985 2008 2003 Polaris Citigroup Citibank India COSL UBS AIG Northern Trust Barclays JPMC RBC HSBC MetLife AIG NBAD Bankers Trust Allied Irish Santander World Bank DTCC SEB Deutsche Bank DNS Presto RBS Polaris

12. Investment Banking Derivatives, Fixed Income , Forex , Custody, Money Markets, Wealth Management Calypso Retail Banking Credit card: Issuers, Acquirers, Reward Management, Fraud Early Warning. Mortgage, Internet Banking, Multi-Channel Integration, Origination & ATM, Universal Banking Consumer Finance Branch Renewal – Front Office for Core Banking, Lending, Collections, Relationship, Payment, Collateral, statement & Charges, Central Liability System, reconciliation Enterprise Innovation :Research and Development, Testing, Content Management, .Net Enterprise Solutions: ERP, CRM and Business Applications/Packages: SAP, Siebel, Oracle Apps, Business Intelligence, Data Warehousing Corporate Banking Core Banking, Cash & Liquidity Management , Trade Finance, Risk & Treasury Management SOA Development Center and Intellect Center of Excellence Insurance Life Insurance, Non-life Insurance Risk and Treasury Basel II, Algorithmics

16. One Global TRIMS application across 65+ countries, moving from in-country, many individual systems to one global system. Including process reengineering to 3 global processing hubs and unique follow-the-sun automation Re-engineering of ATM software platform to enable enhancement of use of proprietary ATM hardware. Development of unique hardware agnostic software platform allowing HUGE savings on capital costs and significant savings on expense line Replacement of TRESTEL by Intellect MONEY MARKETS in EMEA as a result of knowledge synthesis by Polaris of several years of legacy support and enhancement. Transition to new functionality, new market innovations and at NO CAPITAL cost Labor Arbitrage Skills arbitrage Automation Centralization Application Rationalization Leakage prevention Capital cost avoidance New products Price elasticity Skills limited Services Factor Cost Process Productivity Cost Avoidance Revenue Enhancement

17. 1985 2008 Citibank India Citigroup Global 70 + Countries; 120+Locations ; Retail, Corporate, Investment, Private Wealth, Cards ; Reln of over $100 Mln ; Largest INDIAN VENDOR in TOP 50 Citigroup Global Vendors

20. Present Operational Efficiency Pro-active enhancements Application Re-engineering Tech-infrastructure consolidation Reduced Time-to-Market SI & Specialists Maturing governance frameworks Ramp up/down capabilities Past Poor or no performance measurement framework One point of contact Big-Bang Economy of Scale Mega Deals Poor governance frameworks Labor Arbitrage Cost Reduction Future Modular Sourcing Link deliverables to business objectives Clearly defined technology objectives for each LoB Mature Performance measurement Frameworks Co-created products & solutions Technology investments directly contributing to revenue/profits Providers Banks Value Paradigm Outsourcing Landscape Evolution

21. Analysts Recognition “ Trends in US Corporate Banking Portal Development Corporate Banking online applications are beginning to recognize the need to offer a comprehensive portal framework that closely matches the vision of most leading U.S. banks is Polaris Software Technology Providers & Professional Services: Going Broad, Going Deep Offshore vendors such as TCS, Infosys, Polaris, Cognizant, and HCL have added experienced staff with backgrounds in the financial industry, consulting, or professional services Professional services and Consulting in 2008 and Beyond : The Inevitable Rise of IT Consultancies Offshore firms such as Infosys , Polaris HCL and TCS offer strong technology expertise Tower Group Survey of Core Banking solutions Polaris Intellect is among the most contemporary global core banking solutions Global Core Banking Vendor Performance: Being new in the market, its suite of solutions is designed using the latest J2EE technology and comes with a complete SOA backplane, security layer, workflow and integrator, allowing organizations to bring in new technology. “ Banking Platform Survey Polaris ranks amongst Top 10 leading Banking Platform Vendors Globally Cards Market Scope The Polaris line of Card Management solutions has a differentiated architecture among Card Management vendors. in that it is an SOA enabled solutions that has Capability Maturity Model Integration level 5 Certification Forrestor Cap Gemini Aite Gartner

22. Tarun Jain [email_address] 1-732-322-8905