Table of Contents:

ICSFS Overviewa) ICS Group

b) About ICSFS

c) Why ICSFS

ICSFS Softwarea) About ICS BANKS®

b) ICS BANKS® Supporting Systems

ICSFS Professional Servicesa) Our Support & Services

b) Our Training

ICSFS Overview

ICS Group

International Computer Systems (London) Ltd.- ICS (London) (www.icslondon.com) was established in London in 1978, as a system integrator and turn-key solutions provider by pioneers of the technology industry. Since then, the company has been engaged in many vertical markets such as Financial Institutions, Healthcare, Education, Oil & Gas and Police & National Security Solutions with projects completed in Europe, the Middle East and Africa.

Furthermore, the company targeted international markets, providing IT services to a wide range of countries and regions. In 1991, ICS (London) explored changing its business model to become an Independent Software Vendor (ISV). The vision was to develop standard off-the-shelf (OTS) software applications for real-time business processing. Capitalising on previous expertise, ICS (London) launched a strategic project for developing a universal banking software application which resulted in the creation of ICS BANKS®.

Within a decade, ICS (London) was able to penetrate new markets, win new clients and strengthen its position among the major players in the financial technology industry.

In 2004, ICS Financial Systems Ltd. (ICSFS) (www.icsfs.com) emerged from ICS (London) as a leading provider of universal banking software systems focused on the financial industry upon the rapid growth, demand, and maturity of the ICS BANKS® software.

ICSFS is dedicated to software development and integration for the banking industry, from retail banking solutions to global financial institutions. The company addresses the

complete IT projects’ cycle from initial consultancy to design, development, training, implementation and ongoing maintenance and support.

Another part of the ICS Group is Computer and Communications Systems Ltd. - (CCS) (www.ccs.com.jo) that was founded in 1982.

CCS is one of the leading IT companies in the Middle East and one of the mature IT companies in Jordan. It provides assistance in every aspect of the IT project, consultancy and skills transfer cycle in many areas such as Infrastructure, Communication and Systems Software.

The ICS group has undertaken many high profile and demanding projects, from country-wide police automation to the full computerisation of financial organisations of all sizes. Customers range from government bodies to international contractors, from manufacturing to the service industry, and from small business to multinational groups.

Today, the ICS Group has offices in many countries such as:

• United Kingdom• United Arab Emirates • Jordan• Palestine• Saudi Arabia• Iraq• Nigeria• Lebanon• Sudan

About ICSFS

ICSFS, founded in 2004, provides business and technology solutions for financial institutions in countries across the world, helping financial clients select and implement the best tools to achieve their business needs, and to integrate services and e-commerce features fully into

is our Ultimate Objective

Your Customer’s

Satisfaction

their operations – crucial given the speed and flexibility of response required by the internet and mobile enabled e-commerce business models.

ICSFS delivers a wide range of professional services to automate and streamline banking services. Its open systems, based on the latest technology, addresses banking business requirements in one integrated software that maintains all data in one database, providing a 360° view of the customer’s exposure.

Today, ICSFS’ success is largely attributed to its understanding of markets, by working closely with its customers, advising them to adopt the international banking standards, while addressing their local requirements.

ICSFS works in ISO-9001-2008 certified environments, relying on industry standards. Our software is designed to meet the information processing and management challenges facing the banking and finance industry today.

Objective

Our objective has always been to provide state-of-the-art financial products and services, and to realise the best possible returns for our client’s technology investment achievable anywhere.

Vision

To ensure our growth by achieving the highest possible customer satisfaction, never compromising on the integrity of our approach, or on enhancing our technical strengths. As critical as products and technologies are, nothing is more important to ICSFS’ success than the ability to build and preserve strong and lasting relationship with both partners and customers.

Mission

Our mission is always to assure our customers of the highest standards of quality and professionalism in any work they receive from us.We are committed to providing our customers with high quality IT products & services to give them business advantage. Our aim is to broaden our activities, meet customers’ expectations and grow our human capital.

Company Strategy

At ICSFS, we understand that the universal and retail banking industry is restructuring, producing a rich supply of information and services for customers. The relationship between banks and customers is changing rapidly, requiring innovative solutions. With increasing competition and unstable economic returns, financial institutions are now looking beyond existing traditional business models to identify profitable opportunities for the future.

We also understand that today we are banking on a smart planet, where financial institutions are obliged to connect with their customers anywhere and anytime. This is exerting pressure on financial institutions and banks to open their infrastructure and push their services to banking and non-banking customers. This will, in turn, lead to challenges of scalability, performance, security and cost.

One of our main strategies is to maintain a strong relationship with our partners and customers, by continuous interactions via internal and external communications. As we embark the importance of building and preserving strong and lasting relationships with partners and customers throughout the organisation, as well as all external communications.

Our strengths are our professionalism, flexibility and superb technical skills. Our development approach ensures a rich spectrum of features in our software, ICS BANKS®, reflecting customers’ actual process and best practice. ICS BANKS® solutions are parameterised so clients can

Solution for a Bright OperationThe Right

quickly put to use the features they need with minimal time, risk, effort and cost.

The history of the ICS Group, starting in 1978, also adds value to ICSFS’ strategy. As several ICSFS’ sister companies have positioned themselves as turnkey solution providers and as system integrators, the Group’s brand legacy gives ICSFS an edge to embrace clients of all sizes.

Why ICSFS

With ICS BANKS® our philosophy has always entailed providing international standards packaged as an OTS product with the value added capability of tailoring the product to consider local and country specific requirements. With this, the system flexibility starts from the outset.

ICS BANKS® has always been a pioneer in utilisingthe latest technology to serve financial institutions. In addition to its embedded Service-Oriented-Architecture (SOA), the system is deployed in a multi-tiered setup that runs in a Thin-Client, J2EE environment and best in class database solution.

ICSFS uses specific tools and tested methodologies for conducting gap analysis, and formulating a migration roadmap for banks and implementing optimum Data Centre and Disaster Recovery. Our approach uses global and standard banking methodologies and practices, with emphases on local requirements and regulations.

ICS BANKS® provides a complete suite of banking business modules with a rich sweep of functionalities and features, addressing business needs and automating operational processes, as needed, to improve a bank’s business performance.

ICSFS cares about customer feedback, and seeks ways to enhance its offering by tuning the product to serve end-users better.

ICSFS has a vast pool of well qualified and experienced resources with a wide technology and banking expertise, proven development and analysis methodology, high research and development expertise that meets industry standards.

ICSFS, proactively and reactively, enhances the business and technological demands of its users with its careful platform design that is relevant to all emerging business trends.

Multidimensional Implementation Approach

ICSFS customers across Europe, Asia and Africa are enjoying the complete integrated banking system, ICS BANKS® that provides industry-leading requirements.

Understanding Business…

As the economic climate and regulations tighten profits and shrink bottom-lines, deployment and investment of solutions must yield highest Return on Investment (ROI). ICS BANKS® scalability and architecture go hand-in-hand with such constraints. Users of ICS BANKS® can have choices of deployment architectures, such as Centralised, Distributed or Hybrid systems. ICS BANKS® has a flexible structure that is designed to follow clients’ solution function in matching clients’ budget cuts and business needs.

Solving Key ChallengesFacing the Financial Industry

ICS BANKS® comprehensively continues enhancing features such as Straight-Through-Processing (STP) and Real-Time-Gross-Settlement (RTGS), to keep up with the agility of the financial sector and to reduce risks of electronic payment settlement systems. A proven key feature of ICS BANKS® is the high parameterisation design, which constructs a solid pavement for multi-country, multi-language, multi-currency and global banking solution.

Built on a highly parameterised platform and latest technology, ICS BANKS® fast deployment is attributed to minimum or no customisation. As our deployment experience for turn-key banking solution proves completion of projects, bringing financial customers to total automation in a record time. This later fact is considered a key differentiator to our implementation and Project Management Office (PMO) teams.

Today, the banking software industry is truly global, and ICSFS is bridging technology gaps with a strong IT solution to address market segment and business needs. ICSFS addresses the financial services market demands, which include:

• Demand for increased productivity• Maximised profitability • Global competition• Accelerated demands for new services for customers• New business trends• Enhanced Risk Management

ICSFS Software

About ICS BANKS®

Over Three Decades of Experience

ICS BANKS® was developed by the mother company International Computer Systems (London) Ltd., ICSFS emerged out of ICS to focus on servicing the banking and financial industry. ICS BANKS® has been developed in an ISO 9001:2008 compliant environment, built on the latest Oracle technologies in a Thin-Client, Multi-Tier, Browser-Based environment architecture providing portability, scalability, and 24/7 availability. ICS BANKS® is a multilingual, multi-currency system that can serve multi -institutions, recognising the business processing demands for clients in international banking environments.

Fully Integrated Banking System...

ICS BANKS® is a state-of-the-art software that delivers maximum value to banking clients of all sizes. This universal software is a complete suite of banking business modules with a rich sweep of functionality and features addressing business needs foremost, and automating accounting processes as needed, to enhance a customer’s business performance.

ICS BANKS® uses the latest technologies to cover all business areas such as Core banking, Remittances, Trade Finance, Lending, Credit Facilities & Risk Groups, Finance Leasing, Investment and Islamic Banking. The use of the latest technologies to provide availability, scalability and best performance is one of the goals achieved by implementing ICS BANKS®.

ICS BANKS® is Scalable and Modular; each of its modules is parameterised to quickly support a client’s unique workflow, as many of its modules are designed to stand-alone, since implementation of any module can be separately accomplished. Therefore, each module can be integrated seamlessly with other business modules, on any platform, and can quickly interface with legacy

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system, as well as its open architecture capabilities to quickly interface with third-party applications. This design of the ICS BANKS® system modules eliminates the need for any additional interface between modules and the core system, and streamlines data flow within our system, providing faster and easy–to-use software and insuring real STP.

Finally, ICS BANKS® gives the user the facility to deploy modules at any level, whether head office, branch or external delivery channels, such as Internet Banking or Kiosks.

Key ICS BANKS® Solution benefits

• Complete suite of banking business modules with a rich sweep of functionalities and features.• Open system, highly parameterised, scalable and modular.• Thin-Client Browser-Based solution.• Straight-Through Processing (STP) - Business-Based system.• Rich with a wide range of external delivery channels.• Innovative leading technology solutions.• Multi-Tier deployment as Centralised, Distributed or Hybrid setup.• Immense business functionality offers unbeatable price-performance value.• User-friendly• State-of-the-art software delivering maximum value to banking clients of all sizes.• Provide clients with incredibly flexible best- of-breed technology and unparalleled support.• Product-Parameterisation• Business-Oriented• Service-Oriented-Architecture (SOA)

ICSFS caters to the needs of modern financial institutions. ICS BANKS® is packaged as one complete solution to provide a complete integrated and parameterised end-to-end solution that covers all banking activities.

The solution covers the following financial service sectors:

• Universal Banking• Retail Banking• Wholesale Banking• Corporate Banking• Commercial Banking• Investment Banking• Islamic Banking• Finance Leasing• Microfinance Banking

ICS BANKS® helps banks to transform the operational procedures to meet current and future financial industry standards through applying best practices and by being in compliance with international standards; such as IASB, IFRS and Basel Committee on Banking Supervision.

Our creation and transformation of ICS BANKS® orbits a number of pillars such as:- Customer-Centricity (Know Your Customer – KYC)- Product-Parameterisation- Business-Oriented- Service Oriented Architecture (SOA)

ICS BANKS® Software Architecture

your Financial Services Flourish

ICSFS uses the latest technologies and computing concepts in the ICS BANKS® system’s development, making it open and portable to numerous hardware and operating system platforms.

The use of Oracle technology provides the system with built-in disaster recovery, flexibility, data integrity and high performance.

All ICS BANKS® modules are fully integrated, which streamlines data flow within the system, providing faster and easy–to-use software.

ICS BANKS® modules are fully compliant with the latest versions of the International Accounting Standards Board (IASB) and International Financial Reporting Standards (IFRS).

ICS BANKS® Core Banking

The ICS BANKS® Core system provides the richest possible suite of extended functionality covering a huge array of housekeeping, security control, data processing and data interfaces, built-in reports, core banking activities, and plug-and-play platform for specialised banking functional modules. It contains, but not limited to:

ICS BANKS® Credit Facilities & Risk Groups

The ICS BANKS® Credit Facilities & Risk Groups module, when deployed in a bank or financial institution, has the capability to control and manage the allocation of facilities in a branch or the head office.

Credit Risk is maintained on five levels (Group, Group Detail, Customer Facility, Facility Details and Account) to utilise and monitor facilities, line limits and group limits in real time. Each of these levels can be in a different currency.Guarantor and collaterals defaults are also maintained and monitored for their used amounts, revision dates and revaluation periods.

Credit facility lines can report in groups that represent countries, banks or any other entity, where each group has a unique transaction process control. With a smart user-friendly system behaviour and navigation, ICS BANKS® Credit Facility & Risk Groups system covers:

• Risk Group• Risk Sub Group • Customer Facility• Guarantor Maintenance• Collateral Maintenance • Facility Detail • Dynamic Facility • Temporary Facility• Revolving Facility• Credit Scoring

The system is integrated with the Business Process Management module, BANKS BPM®, which provides a full workflow cycle of applying, studying, approval and processing, credit facility requests.

ICS BANKS® Remittances

The ICS BANKS® Remittances system is used to process money transfer whether within the country or outside the country and inward transfers for the customer. Our remittances system inherits all of our core system features; STP, pre-defined business flow layer

(Maker-Checker), internet enabled complete automation of SWIFT messages and RTGS processing, advices and vouchers generation.

ICS BANKS® Remittances module covers the following functions: • Inward Transfers• Outward Transfers• Direct Transfer• Traveller’s Cheques

The system is integrated with the ICS BANKS® Internet Banking System (IBS)

ICS BANKS® Lending

ICS BANKS® Lending consists of modules that are highly parameterised and modular. All systems are based on a product design architecture, therefore the customer can design any new product, link such products to the general ledger (GL), commissions & charges, schedule of repayment, using any of the calculation methods available.

The system is integrated with the Business Process Management module, BANKS BPM®, will support the full workflow cycle of origination , studying, approval and processing. Interest method supported can be Flat, Discounted, Simple, Compounded, Subsidised and many more.

ICS BANKS® also covers the following lending and supplementary modules:

• Retail & Corporate Loans• Promissory Notes (including Discounted Bills Management Module and Hire Purchase Module)• Local Bills for Collection Module• Advanced Salary Service• Overdraft Management• Retail Purchase Module• Microfinance Module• Syndicated Loans Module• Instalment Loans Module• Finance Leasing

The system is integrated with the ICS BANKS® Internet Banking System (IBS).

ICS BANKS® Trade Finance

The ICS BANKS® Trade Finance system manages Letters of Credit and Guarantee as well as Documentary Bills for Collection.

The solution efficiently directs transfers, maintenance, preparation and multi-currency entries posts with customer-friendly control - all integrated with SWIFT message processing.

ICS BANKS® Trade Finance is a complete STP system with a powerful processing layer that automates the application handling and processing. The system can be implemented to initiate the processing from the branch or can be a fully centralised processing centre. The system handles:

• Import Letter of Credit• Export Letter of Credit• Documentary Export Bills for Collection• Documentary Import Bills for Collection• Letter of Guarantee (Local and Foreign LG’s)

The system is integrated with the Business Process Management module, BANKS BPM®, which provides a full workflow cycle of applying, studying, approval and processing trade finance requests. The system is also integrated with the ICS BANKS® Internet Banking System (IBS).

ICS BANKS® Investment & Treasury

ICS BANKS® Investment & Treasury system is a completely integrated and parameterised End-to-End solution that covers all investment, treasury & brokerage activities. It is a powerful, comprehensive and easy-to-use investment and portfolio management system, which covers all financial, transactional, processing and reporting needs. The system is fully compliant with IAS 39 & IFRS 9.

ICS BANKS® Investment and Treasury system includes:

• Treasury & Investment• Brokerage Activities• Asset & Portfolio Management

ICS BANKS® Investment & Treasury system offers an essential, Straight-Through-Processing and End-to-End event driven processing for a wide range of asset classes including securities, equities and derivatives.

The system is integrated with Reuters DataScope Select (DSS) system for data extraction that provides access to global pricing, validated terms and conditions, historical data content and cross-reference data for a wide range of instruments. The system is also interfaced with Reuters D3000 for Deal Capture.

The system supports Front, Middle and Back Office activities and provides deal capture, limits control, position keeping, automatic processing for transactions, confirmation, and settlement to maturity, generating all necessary accounting and reporting and Risk Management.

Your Key to Grow your Business Life Cycle

Our Risk Management solution offers risk performance measurements and market risk analysis covering market valuation, sensitivity calculation and choice of Value at Risk (VaR) methodologies.

ICS BANKS® out-of-the-box Investment & Treasury system product categories are:

Treasury System• Foreign Exchange (Spot, Forward, Option & Swap)• Money Market

Investment System• Placements• Deposit• Call• Interbank Placement/Deposit• Periodic/Term/Recurring Deposits

Debt Securities System• Bonds• Treasury Bills • CD’s• Floating Rate Notes• Repurchase Agreements (Repo)

Equity Securities System• Common Shares• Preferred Shares• Founder Shares

Derivatives System• Option Contracts • Interest Rate Swap (IRS)• Forward Rate Agreement (FRA)

Mutual Fund System• Hedged Funds• Open Ended Funds• Money Market Funds• Equity Funds

Asset Management System

The E-Brokerage System is integrated with the ICS BANKS® Internet Banking System (IBS)

Delivery Channels

ICS BANKS® provides comprehensive out-of-the-box, fully integrated support of multipledelivery channels. These delivery channels stretch from standard services to many transactional-based ones. As an example, Letter of credit activities can be initiated from the internet banking, and loans instalment settlements can be done from the Kiosks.

ICS BANKS® Delivery Channels:

• ICS BANKS® Internet Banking (Retail & Corporate)• SMS Push/Pull Banking (Real-Time)• Phone Banking• Mobile banking ATM/POS & Kiosks

ICS BANKS® ISLAMIC

ICS BANKS® ISLAMIC is a modular fully integrated solution designed and developed following the principles of Shari’a and in compliance with the Accounting and Auditing Organisation for Islamic Financial Institutions (AAOIFI). ICS BANKS® ISLAMIC consists of a core system, which provides all common operations between various banking activities, and a series of modules which cover the various different operational and business requirements of our specialised segments. Its modular architecture fully supports various business needs within the organisation, including Core Islamic Banking, Investments, Treasury, Trade Finance and Profit Calculation & Distribution.

Pure Islamic Principles through Technology

Encompassing

ICS BANKS® ISLAMIC can be offered as a complete stand-alone suite of Islamic Banking applications or as an Islamic Banking window, within the core system depending on the customer’s needs.

ICS BANKS® ISLAMIC offers the below modules:

• Murabaha• Musawama • Ijara & Forward Ijara • Istisna’a • Mudaraba • Musharaka • Salam • Unrestricted and Restricted Investment Accounts • Profit Distribution • Qard Hasan • Investment & Treasury: - Foreign Exchange (Spot & Promise) - Money Market Wakala Investment and Deposit International commodity Murabaha and Reverse Murabaha Exchange of Deposits - Sukuk - Equity Securities System - Profit Rate Swap - Repurchase agreements

All modules are based on a product design architecture, therefore the customer can design any new product, link it to the General Ledger, commissions & charges and schedule of repayment. The system provides an extensive set of parameters which enables the customer to design unlimited number of products that provides more control and reduces time and efforts to perform any transaction. The system is integrated with the Business Process Management module BANKS BPM®, which supports the full workflow cycle of origination, studying, approving and processing.

ICS BANKS® Supporting Systems

The solutions and applications offered integrate seamlessly with ICS BANKS® to offer the customer a true plug-and-play experience.

Solutions include

BANKS BPM® is a Business Process Management solution layer for banks, powered by a Workflow Process Server. The solution optimises the internal process, document handling via a Content Management system, and flow management between various bank departments and enhances customer service through the e-banking channels. BANKS BPM® is fully integrated with ICS BANKS® system, with flexibility to modify the process definition level (Process Blue – Print).

The areas that can be covered:

• Credit Facility Application Processing• Loan Application Processing• Letter Of Credit Application Processing• Letter of Guarantees Application Processing• Documentary Bills for Collections Application Processing• Credit Card Application Processing

BANKS MIS® is a Business Intelligence solution that uses the ICS BANKS® application, enhances the decision making process at multiple levels in financial institutions. As an innovative banking system that understands the various information needs of users, BANKS MIS® is a powerful solution that provides clients with the means to access, analyse, and share information with less reliance on the IT department.

Moreover, BANKS MIS® helps financial institutions empower their users with information for better decision making. It also enables them to track, understand, and manage critical information.

How Flexible is your Banking System?

The solution can be further extended to cover many areas related to Business Performance Management of which:

• Analytical Applications• Data warehousing Performance Management• Business Intelligence • Dashboards and Scorecards• Budgeting and Planning • Enterprise Risk Management

ICSFS Professional Services

Our Support & Services

ICSFS administers all technical and account management support through internal resources, which allows our experienced staff to easily interact with the customers and strengthen the relationship’s integrity.

Customer can access ICSFS’ automated call centre or an account manager 24/7 with the available secure system.

Customers can easily have the feature to track their log and status through our CRM system.

Our service is based on a multi-dimensional implementation pyramid approach framed by: Web-enabled mobility and flexibility, centrally controlled and secured standards, and global processing and support.

Assistance is provided throughout the pre-and-post solution deployment phases of: project planning, requirements delineation, configuration and migration, training, quality assurance as well as production.

Our Training

ICSFS has fully dedicated training centres in the UK and Jordan that serve customers.

We offer specialist training for technical staff as well as decision makers. Each course has been tailored by our own banking consultants, focusing on crucial lessons of implementing successful projects and solutions in banks and financial institutions.

Our courses are designed to be practical, example-led work that provides clients with the means to increase technical skills and develop management understanding of emerging IT technologies and its usage.

ICS FINANCIAL SYSTEMS LTDCopyright© 2011 by ICS Financial Systems Ltd. All rights reserved. No Part of this document may be reproduced or transmitted in any form or by any means without prior permission in writing from ICS Financial Systems Ltd.