Rubik Financial provides banking technology solutions to over 340 financial institutions. It has 75 employees across offices in Australia, Singapore, Dubai, and Indonesia. Rubik's main product lines include phone and mobile banking, internet banking and security, card and payments systems, and receivables and recoveries systems. Rubik's goal is to deliver its "Bank-in-a-Box" technology platform as a flexible, low-cost, and hosted solution to meet all of a financial institution's banking system needs.

1. About Rubik Financial Limited
August 2009
CONFIDENTIAL

2. Rubik – a snapshot
• Publicly listed on Australian Stock Exchange – ASX:RFL
• 75 Staff – Sydney, Perth, Singapore, Dubai, Jakarta
• 340 client institutions – mostly banks, building societies
and credit unions
• Key product lines include:
– Phone & Mobile banking – 90%+ market share in Oceania
– Internet Banking & Security – 20% share in Australia, 80% share in
NZ
– Card & Payments Systems – minor share
– Receivables & Recoveries Systems – 70%+ in Australia, minor
global
CONFIDENTIAL 1

3. Rubik‟s Mission & Vision
Rubik now has the core functions for the „Bank-in-a-Box‟. Rubik continues to seek new
opportunities consistent with its stated mission.
Mission
Rubik Financial will achieve compelling growth in shareholder value through
exploitation of profitable niches within the financial services sector.
Vision
Deliver a flexible, low cost, hosted, “Bank-in-a-Box” technology platform to financial
institutions.
Bank-in-a-Box
Flexible
A suite of integrated systems for meeting banking system needs
Low cost
Decrease complexity & cost of technology to 30% of current costs
Hosted
Provide a secure, highly available, compliant environment
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4. Long Term Strategy – 5 to10 years
Rubik‟s long term goal is to deliver „Frictionless Banking‟.
• Deliver lower costs of products and services to consumers (members) by
decreasing the overall cost of delivery for Financial Institutions
– Targeting a reduction of technology spend per Financial Institution by
over 30% to reduce cost-to-income ratio by at least 10%
– Manage entire technology needs of 75% of all financial institutions in
Australia and New Zealand – ie. deliver scale benefits to the majority of
Financial Institution market
– Deliver specialist product solutions to T24 customers and financial
institutions worldwide
– Provide a single instance, multibranded, highly configurable „Bank-in-a-
Box‟ capability with all services priced at marginal cost.
CONFIDENTIAL 3

5. Financial services is IT Intensive
Due to customer needs and regulatory requirements, financial institutions, regardless of size, need to provide
very similar services to their customers.
Customer Segments
Value Mass Market Premium High Worth Private
Distribution Channels
ATM/ IVR/Call
SMS/Mobile Branch Broker Internet
EFTPOS Centre
Products
Transaction
Home Loans Consumer Loans Equities Managed Funds
Accounts
Credit Card Overdrafts Savings Accounts Insurance Commercial
Infrastructure Services
Authorities Imaging Documentation Payments General Ledger
Security Reporting Interfaces Audit Customer Data
CONFIDENTIAL 4

6. Product offering moving to value proposition
Rubik sells 4 product lines today, but increasingly will be selling a single value
proposition – the “Bank-in-a-Box”
Customer Operations & Transactional
Acquisition Processing Services
Phone Internet Cards &
Collections
Banking Banking Payments • CRM - ARC • Loan &
Customer
• Payments - SPX
• Internet - IB • Accounts – T24
• Security – F2, Administration • Online banking
SMS, Token – T24 - IB
• Sales • Fraud – IMTF • Phone Banking -
Management - • Reporting - IVR
CWX – 1st Sugar Mgt Console
IVR • EFTPOS - CMS
Party • Imaging and
Online • Simulators / • ATM - CDM
Card Mgt calculators Document
banking • Host – T24
• Voice systems – management
Agency Mgt – T24 • GL – T24
Swift Call
VOIP • Branch systems - • Collections -
Teller CWX
Legal • Kiosk - SwiftCash • Workflow -
recoveries WWF
SMS Banking Factor 2 SPX
Mgt Console
Mobile
Hosted & Managed Services
Mercantile Banking • Secure, dual site setup with DRP and BCP in place
3rd Party • Standard Interfaces & shared development
Online Apps Bpay • Managed hardware, network, software, and services
Delinquency Cash • Centralised business process for non-core activities
Mgt Dispenser
Already hosted by Rubik
CONFIDENTIAL 5

7. Our “Bank-in-a-Box”
Rubik aims to match the business needs of financial institutions, not just provide systems.
Customer Operations & Transactional
Acquisition Processing Services
• CRM - ARC • Loan & Customer • Payments - SPX
• Internet - IB Administration – T24 • Accounts – T24
• Security – F2, SMS, Token • Fraud – IMTF • Online banking - IB
• Marketing – T24 • Reporting - Mgt • Phone Banking - IVR
• Sales Management - Console • EFTPOS - CMS
Sugar • Imaging and • ATM - CDM
• Simulators / calculators Document
• Host – T24
management – T24
• Voice systems – Swift • GL – T24
Call • Collections - CWX
• Branch systems - Teller • Workflow - WWF
• Kiosk - SwiftCash
Hosted & Managed Services
• Secure, dual site setup with DRP and BCP in place
• Standard Interfaces & shared development
• Managed hardware, network, software, and services
• Centralised business process for non-core activities
CONFIDENTIAL 6

8. Rubik Product Range
Products
– Phone & Mobile banking
– Internet Banking & Security
– Card & Payments Systems
– Receivables & Recoveries Systems
Value Proposition
– Bank-in-a-Box
CONFIDENTIAL 7

9. Phone banking
• 250 installations with 190+ ADIs use
system in Australia
• Analogue, digital or VOIP
• Many features
– Balances VOIP
PSTN
– Transactions E1 IVR
Host
PABX Phone
Interface
Banking
– Payments
– Process automation
Core Banking
Management
– Limit controls Console
Reports System
– Locator services
• Hosted or in-house Database
• Disaster Recovery site
CONFIDENTIAL 8

10. Mobile Banking
• Patented approach
• iPhone and browser
• Audio enabled
• Easy to use & intuitive User Interface
specifically designed for the mobile
phone - not a scaled down
standard Internet banking app
• Only secure browser based mobile
solution on the market
• Adopted by a regional bank
• Anticipate quick adoption by
online banking customers
CONFIDENTIAL 9

11. Next generation Internet Banking
• W3C compliant with all common • Expense reporting and „My safe‟
features available
• Dot net based with interfaces for all • Can use layered security for all
Australian host systems functions
• Focus on usability and customer ability • Hosted or in house with over 80
to self configure installed
CONFIDENTIAL 10

12. UserX – experience monitoring
• Fully managed and hosted service
• Replicates your members typical
banking interactions
• Measures all response times from
the web server
• Validation of web server responses
to the browser
• Instant Alerts sent via email and/or
SMS
• UserX Dashboard displays real time
results to your desktop
• Measures are taken when other
members online
CONFIDENTIAL 11

13. UserX – experience monitoring
CONFIDENTIAL 12

14. Card Management System
• Inexpensive system with
multibrand / multi bin FDI
• Browser based for mobile
FDI Gateway
deployment Transactions & Settlement
Card Updates Reports
• Either use batch card
production or personalised
cards using special printers
EFG CMS
CMServer
Transaction Web
• Existing interface to FDI, 1 week Processor
(Backend)
Interface
development required for a
new interface CMS
Database
• Pay per brand and card User User User
Host
Database
CONFIDENTIAL 13

15. Bpay Biller & Payer
• Biller - Allows organisation to
rapidly create and manage
billers
• Payer – drives the value
processing of Bpay files
• Browser based so authority can
be devolved to customers
• Could be used for business
customers, or for customers of
your clients
CONFIDENTIAL 14

16. SPX – Payments & Settlements Exchange
• Corporate Direct Debit & Credit products • Process Inward clearing (ACH, Checks, SWIFT)
• Integrated payment platform • Process Outward clearing
• Hosted payment processing for smaller banks • Inter-bank Settlement
• Cheque processing • Payments across branch network / subsidies
Salaries & Wages
Cheques Utility Payments
Unemployment
Money Transfers Creditor Settlements
Benefits
Bill Payments Dividend Payments
Direct Debits
Bill Payments to
ACH Payments Cheques, Money EDI Settlements to
registered
Across any order printing & registered EDI
utilities/service
Financial Institution Reconciliation participants
companies
CONFIDENTIAL 15

17. Collection Works
Integration Interfaces
• Analytics & • Host Systems
Scoring • Automated
• Account Dialers
Communications • Outbound
• Phone • Inbound
• Letters • Other Interfaces
• SMS
• Email
• Fax
• Workflow
Automation
CONFIDENTIAL 16

18. Collection Works
CONFIDENTIAL 17

19. Management Console – Productivity
Start with Portfolio View. Click on employee to Drill down on Employee to see what status accounts
view accounts assigned to employee. are in.
Final drill down will display the list of accounts. Drill down again to see the age of the accounts.
CONFIDENTIAL 18

20. Management Console - Promises
CONFIDENTIAL 19

21. What‟s in the Box?
Other FI‟s
External WPac, CBA, NAB etc BPAY
Parties
CUSCAL
AFIC/ASIC
APRA
Credit Union Banking Environment
ATO
Autrac Member Security Layer
Direct
Veda Cheque Interface Layer
Credits
Entry Debits
T24 BPAY
Accounts – Members –
Rules
Cards Processes -
ATM/EFT
POS FDI
Transactions
Interface Layer EFT
Collections Security Layer Credit Union/Bank
Head Office
Rubik Channel Branches
Products
IVR, Internet Banking, Mobile Banking, SMS Banking
CONFIDENTIAL 20

22. Secure Hosted Environment
•High physical security, including Biometric
Entry, anti-ram, 4 ISPs, 2 power providers and
warm diesel backup etc.
•Highly Protected T4 rating from ASIO and DSD
•Sites over 500km apart
•ISO 27001 & PCI certification
•High Availability configuration (99.95% )
CONFIDENTIAL 24

23. Benefits Rubik provides
• Resources & Skills
– 20+ staff trained in T24
– 90 staff in channels and local systems
– Local / Global partners on call
• Lower project risk
– Proven and stress tested infrastructure
– Prebuilt basic design elements
– Certified interfaces
CONFIDENTIAL 25

24. Decreasing costs by:
• Lower selection cost
– Reduce cost of sale / selection by grouping core
system selection processes for multiple clients at
once
– Pricing, contracts and offering transparent to
decrease negotiation cycle
CONFIDENTIAL 26

25. Decreasing costs by:
• Lower implementation costs
– Centralised hardware platform already
operational ensures:
• Design and Set-to-work not required
• Virtual servers and SAN scale with demand
• Pre-integration with third party connections eg. ATM,
EFTPOS, Bulk Payments
– “Commodity” based choices for key hardware
and software
– Rapid gap analysis of product and workflow
differences from “Model” starting point given
common offerings
CONFIDENTIAL 27

26. Decreasing costs by:
• Lower cost of ongoing usage
– Pay as you use / volume based pricing
– Access to large developer pool given dot net and
SQL development environment
– Single annual upgrade process managed by Rubik for
all customers
– „Open” system so data and development not
hostage to hosting provider
CONFIDENTIAL 28

27. Rubik Financial Ltd
ABN 51 071 707 232
•8/45 Market St, Sydney, NSW
•Level 1, 1 Eden Park Drive, Macquarie Park, NSW
•4/68 St Georges Terrace, Perth , Western Australia
•24/22 Clifford Centre, Singapore 308900
PO Box 4808
Sydney NSW 2001
Phone: +61 2 9488 4000
Fax: +61 2 9449 1116
www.rubik.com.au