CONFIDENTIAL

About Rubik Financial Limited

August 2009

CONFIDENTIAL 1

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 2

Rubik‟s Mission & Vision

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

FlexibleA suite of integrated systems for meeting banking system needs

Low costDecrease complexity & cost of technology to 30% of current costs

HostedProvide a secure, highly available, compliant environment

Rubik now has the core functions for the „Bank-in-a-Box‟. Rubik continues to seek new

opportunities consistent with its stated mission.

CONFIDENTIAL 3

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 4

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.

PrivateHigh WorthPremiumMass MarketValue

Customer Segments

Branch InternetIVR/Call

CentreBroker

ATM/

EFTPOSSMS/Mobile

Distribution Channels

CommercialInsuranceSavings AccountsOverdraftsCredit Card

Transaction

AccountsManaged FundsEquitiesConsumer LoansHome Loans

Products

Customer DataAuditInterfacesReportingSecurity

Documentation General LedgerPaymentsImagingAuthorities

Infrastructure Services

CONFIDENTIAL 5

Product offering moving to value proposition

Collections

CWX – 1st

Party

Agency Mgt

Legal recoveries

Mgt Console

Mercantile 3rd Party

Delinquency Mgt

Phone Banking

IVR

VOIP

SMS Banking

Mobile Banking

Cash Dispenser

Internet Banking

Online banking

Factor 2

Online Apps

Cards & Payments

Card Mgt

SPX

Bpay

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

Transactional Services

• Payments - SPX

• Accounts – T24

• Online banking

- IB

• Phone Banking -IVR

• EFTPOS - CMS

• ATM - CDM

• Host – T24

• GL – T24

Operations & Processing

• Loan & Customer Administration – T24

• Fraud – IMTF

• Reporting -Mgt Console

• Imaging and Document management – T24

• Collections -CWX

• Workflow -WWF

CustomerAcquisition

• CRM - ARC

• Internet - IB

• Security – F2,

SMS, Token

• Sales Management -Sugar

• Simulators / calculators

• Voice systems –Swift Call

• Branch systems -Teller

• Kiosk - SwiftCash

Rubik sells 4 product lines today, but increasingly will be selling a single value

proposition – the “Bank-in-a-Box”

Already hosted by Rubik

CONFIDENTIAL 6

Our “Bank-in-a-Box”

Rubik aims to match the business needs of financial institutions, not just provide systems.

Transactional

Services

Operations & Processing

Customer

Acquisition

Hosted & Managed Services

• CRM - ARC

• Internet - IB

• Security – F2, SMS, Token

• Marketing – T24

• Sales Management -Sugar

• Simulators / calculators

• Voice systems – Swift Call

• Branch systems - Teller

• Kiosk - SwiftCash

• Loan & Customer Administration – T24

• Fraud – IMTF

• Reporting - Mgt Console

• Imaging and

Document management – T24

• Collections - CWX

• Workflow - WWF

• 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

• Payments - SPX

• Accounts – T24

• Online banking - IB

• Phone Banking - IVR

• EFTPOS - CMS

• ATM - CDM

• Host – T24

• GL – T24

CONFIDENTIAL 7

Rubik Product Range

Products

– Phone & Mobile banking

– Internet Banking & Security

– Card & Payments Systems

– Receivables & Recoveries Systems

Value Proposition

– Bank-in-a-Box

CONFIDENTIAL 8

Phone banking

• 250 installations with 190+ ADIs use

system in Australia

• Analogue, digital or VOIP

• Many features

– Balances

– Transactions

– Payments

– Process automation

– Limit controls

– Locator services

• Hosted or in-house

• Disaster Recovery site

Core Banking

System

PABXIVR

Phone

Banking

Host

Interface

ReportsManagement

Console

Database

VOIP

PSTN

E1

CONFIDENTIAL 9

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 10

Next generation Internet Banking

• Expense reporting and „My safe‟

available

• Can use layered security for all

functions

• Hosted or in house with over 80

installed

• W3C compliant with all common

features

• Dot net based with interfaces for all

Australian host systems

• Focus on usability and customer ability

to self configure

CONFIDENTIAL 11

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 12

UserX – experience monitoring

CONFIDENTIAL 13

Card Management System

• Inexpensive system with

multibrand / multi bin

• Browser based for mobile deployment

• Either use batch card

production or personalised cards using special printers

• Existing interface to FDI, 1 week

development required for a

new interface

• Pay per brand and card

FDI

FDI Gateway

Transactions & Card Updates

Settlement Reports

EFGTransaction Processor

CMServer(Backend)

CMSWeb

Interface

CMS Database

Host Database

User User User

CONFIDENTIAL 14

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 15

SPX – Payments & Settlements Exchange

Cheques

Money Transfers

Bill Payments

Utility Payments

Creditor Settlements

Dividend Payments

Salaries & Wages

Unemployment

Benefits

Direct Debits

ACH Payments

Across any

Financial Institution

Cheques, Money

order printing &

Reconciliation

Bill Payments to

registered

utilities/service

companies

EDI Settlements to

registered EDI

participants

• Corporate Direct Debit & Credit products

• Integrated payment platform

• Hosted payment processing for smaller banks

• Cheque processing

• Process Inward clearing (ACH, Checks, SWIFT)

• Process Outward clearing

• Inter-bank Settlement

• Payments across branch network / subsidies

CONFIDENTIAL 16

Collection Works

Integration

• Analytics & Scoring

• Account Communications

• Phone

• Letters

• SMS

• Email

• Fax

• Workflow Automation

Interfaces

• Host Systems

• Automated Dialers

• Outbound

• Inbound

• Other Interfaces

CONFIDENTIAL 17

Collection Works

CONFIDENTIAL 18

Management Console – Productivity

Start with Portfolio View. Click on employee to view accounts assigned to employee.

Drill down on Employee to see what status accounts are in.

Final drill down will display the list of accounts. Drill down again to see the age of the accounts.

CONFIDENTIAL 19

Management Console - Promises

CONFIDENTIAL 20

What‟s in the Box?

Credit Union Banking Environment

Direct

Entry

ATM/EFT

POS

Rubik Channel

Products

Collections

Cards

Member

Cheque Credits

Debits

BPAY

EFT

CUSCAL

BPAY

Other FI‟sWPac, CBA, NAB etcExternal

Parties

AFIC/ASIC

APRAATO

Autrac

Veda

IVR, Internet Banking, Mobile Banking, SMS Banking

FDI

Credit Union/BankHead Office

Branches

T24Accounts – Members –

Rules

Processes -

Transactions

Interface Layer

Interface Layer

Security Layer

Security Layer

CONFIDENTIAL 24

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 25

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 26

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 27

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 28

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

Rubik Financial LtdABN 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