Celusion Technologies : Fintech Solutions

1. Building enterprises of the future.

2. WE BUILD TECHNOLOGY THAT CREATE NEW VALUE IN CUSTOMER EXPERIENCES AND CORE OPERATIONS. PRAVEEN PAULOSE, CEO

3. WHO WE ARE We are a software company that develop Enterprise Web and Mobile Applications leveraging cutting-edge technology.

4. COMPANY HISTORY Some of the key milestones in our journey so far. WORLDWIDE ESTABLISHMENT SINGAPORE ENTITY Expanded our customer base beyond India and started servicing companies in UK, Bhutan and UAE. Setup in the year 2004 in a modest 200 sq. feet office with a focus to develop cell phone apps. Registered in Singapore to serve the ASEAN market. 2017 ONWARDS 2008 2004 2015 2020 PRODUCTS SMS CONNEXION Introduced a portfolio of Off-The- Shelf products, primarily catering to the BFSI Industry, while continuing building Bespoke projects for Enterprise Customers. Gained momentum for our first product (Enterprise Messaging Gateway) used by 2500+ customers today. 4

5. WHO WE ARE? We build large scale enterprise software applications Established in 2004, Celusion Technologies, headquartered in Mumbai, specializes in building large scale enterprise software applications with a team of 100+ software engineers. A suite of integrated software products for the Banking & Financial Services Industry, suitable for businesses of all sizes. Our product portfolio includes Unified Account Opening, Digital Lending Platform, Video KYC Platform, Financial API Gateway, Vendor Management System, Sales Force Automation, Collections & Debt Recovery, Physical Verifications Portal and SMS ConneXion. Our Office in Mumbai

6. OUR CLIENTS Sharekhan BNP Paribas ICICI Home Finance PNB Housing Finance Ltd. Adani Capital Kotak Securities JM Financial Ltd. 6

7. OUR CLIENTS YES Securities (India) Limited (YSL) Future Generali India Insurance Company Marsh Svatantra Micro Finance Pvt. Ltd. Lupin Limited Religare Securities Ltd. 7

8. PRODUCT PORTFOLIO Over the years we have built a range of commercial off the shelf products that align with your Go-To-Market time.

9. UNIFIED ACCOUNT OPENING Onboard customers with one smart form and instantly activate their Demat, Trading, Bank Account or Insurance Accounts. HASSLE FREE CUSTOMER ONBOARDING Smart forms auto populate your identity, address and bank account details. Customers, Telesales, Field Agents can open accounts digitally. AUTOMATED BACK OFFICE PROCESSES Automated verifications & compliances allow quick processing of forms. DIGITAL IDENTITY VERIFICATION The solution supports multiple methods of verifying the identity of your customer. Each of these methods are compliant with regulatory norms and cover both Fresh KYC and accessing KYC details from depositories. QUICK & EASY ACCOUNT OPENING Additional features that make customer on-boarding possible in minutes, like, Digital Signature, Penny Drop, Printed forms, Automated verifications, Scrutiny and objections. 15

10. VIDEO KYC PLATFORM A consent-based Video-Enabled Customer Identification Process (V-CIP) designed in compliance with RBI guidelines. LIVE VIDEO STREAMING FEATURES 01 A plug and play Video KYC platform that seamlessly integrates with your existing customer onboarding process. Designed in 100% compliance with regulatory guidelines. HTML5 browser-based video call between the officer and customer with recorded video. GEOTAGGING OF CUSTOMER 02 Live location of the customer is captured to ensure that customer is physically present in India. UPLOAD KYC DOCUMENTS 03 Captures PAN image, verifies with the issuing authority and matches with customer details. AADHAAR OFFLINE E-KYC 04 Offline verification of Aadhaar XML with file generation not older than 3 days. AUDIO VISUAL INTERACTIONS 05 Randomly sequenced questions for video interactions to establish that all interactions are in real-time. FACE MATCH WITH ID CARD 06 Artificial Intelligence based face matching of the customer in video with the ID card presented. 16

11. FINANCIAL API GATEWAY A gateway for your service-oriented architecture with 25+ pre-built microservices for regulatory and fintech services. OUT-OF-THE-BOX INTEGRATIONS Reduce your Time to Market using ready-made connectors for, Credit Bureaus | Know Your Customer – KRA, CKYC, Aadhaar eKYC and Offline KYC | Fintech – OCR, Face Match | Bank Statements analysis | eSign – OTP and biometrics based | Bank account verification via Penny Drop REALTIME MONITORING BILLING FORWARD COMPATIBILITY RECONCILIATION Monitor requests, their latency or errors on a dashboard and proactively address any issues. Reconcile requests by service providers and view consumption trends by applications. Client applications need not change their code for a future version of the service provider’s API. Accelerate your Business We have packaged the most commonly used Fintech API so that your team can focus on developing business solutions and leave the integrations to us. 17

12. DIGITAL LENDING PLATFORM Disburse loans faster by employing an inclusive approach to the full lifecycle of loan origination and credit underwriting. VERIFICATION CHECKS CREDIT ASSESSMENT ADDITIONAL FEATURES Benefit from reduced costs in KYC, AML and other verification checks and achieve a faster loan processing time by collecting information about the applicant or collateral through digital channels. Faster credit decisions, data- driven assessments and a structured credit decisioning framework result in a more secure risk profile. Additional features that streamline the loan origination process like Product Policies, Sales Assist, Task Management, Agency Management, Calculators, Timely Updates and much more. Use configurable Rule engine, Decision engine and Workflow engine. Loan Application Paperless loan sourcing through digital forms on web & mobile, result in a delightful customer experience and speeds up the feedback cycle. Omni Channel Sourcing | Smart Form Filling | Real-time Updates 19

13. VENDOR MANAGEMENT SYSTEM One system to manage all stages of the vendor’s lifecycle with your organization CONTRACTS MANAGEMENT All key details of engagements – Services being provided, Contract period, Deliverables, Payment details. INVOICES & PAYMENTS SERVICE REQUESTS Calculate and process payments as per individual vendor contract agreement, for a variety of services delivered by the vendor. Each service can have its own assessment, Healthy interaction between vendors and the organization where all requests from a vendor are attended at the right level with TAT tracking and escalations. quantification and costing. USER MANAGEMENT PERFORMANCE ASSESSMENT User creation & management, Password reset capability, roles and permissions management, user hierarchy and activate/deactivate users from the Administrator login. Track vendor engagement on an ongoing basis through assessment formats and parameters corresponding to the service they provide. REGISTRATION, ASSESSMENT & DECOMMISSIONING & RECOMMISSIONING Weeding out poor performers helps ensure that tasks get assigned to right stakeholders who will deliver. Recommissioning once they show better performance again. ONBOARDING Prospective vendors can register with the organization to provide specific service/s. Assess submitted vendor application, where various stakeholders get to review from different perspectives in a defined and organized manner. Vendor Lifecycle 20

14. SALES FORCE AUTOMATION Increase conversions, gain real-time insights into activities and lead your sales team to success with a data-driven approach. SALES ACTIVITY MANAGEMENT Sales team, whether on-field or in-office, can log their daily plans and targets, manage and nurture assigned and own leads and activities. Reporting managers can view Daily sales reports (DSR) to ensure targets are met. STREAMLINE OPERATIONS Provide sales training via videos and other training material, Sales team can onboard customers digitally and track their system, and provide superior customer service. PERFORMANCE MANAGEMENT Assign goals and revenue targets and monitor them, gain insights into each activity happening with a lead, and analyze performance at company, branch, product and user level. 22

15. SMS CONNEXION Enterprise Communication Platform with 2500+ customers SMX - SMS SERVICE A messaging platform for mobile advertising and process optimization. VOX - VOICE SERVICE Advanced IVR platform which creates solutions that can bridge language gaps, cut costs and plug loop-holes. THE BUZZ – MISSED CALL SERVICES Missed call that creates a free way for your customers to connect with your business. SHORT, MEDIUM, LONG CODES Use Short codes for receiving SMS and analyzing response for marketing campaigns. Own your personal Medium and Long codes to send out SMS. 23

16. SINGLE SIGN-ON Workforce and customer identity management for all your modern web and mobile apps. SINGLE LOGIN FOR ALL MODERN APPS Native iOS, Native Android, Web, API, Windows Desktop, Background service or console applications. AUTHENTICATION MODES Support Username Password, OTP (SMS/Email), Social Logins (Federation), Active Directory (Federation). SECURITY BEST PRACTICES Password encryption, Cookie encryption, Captcha/Re- Captcha, 2 factor authentication, Auto expire password, Lock user account. AUDIT LOGS User activities, Login Logout, Email confirmation, Registration date, Change password. 24

17. CORE VALUES Sustained growth & innovation through Research & Development PASSION FOR TECHNOLOGY 01 We nurture our passion for technology through an ecosystem that encourages research & development. RESEARCH & DEVELOPMENT PROGRAM “Possible is everything” is the belief that makes our team at Celusion Labs innovate. COMMITMENT TO DELIVER 02 We take pride in seeing our work come to life and will go to great extents to achieve this goal. MOTIVATED BY CHALLENGES 03 TECHNOLOGY MEETUPS & COLLABORATION We are always looking to go beyond the boundaries and are motivated by challenging jobs. Knowledge sharing & continuous learning through regular technology sessions and workshops. CHANGE IS THE ONLY CONSTANT 04 We keep a close watch on technology tends and do not fear paradigm shifts in this space.

18. WHY CHOOSE US AS YOUR PARTNER Our experience in delivering enterprise grade software spans over a decade. ENTERPRISE EXPERIENCE SOFTWARE ASSETS We understand enterprise concerns around architecture, performance & security Code libraries, project templates & design patterns created over a decade. TECHNOLOGY AGNOSTIC USER EXPERIENCE We work on various technologies & have an unbiased approach to make the right choice. We focus on the usability and quickly adopt the current trends in UI / UX. AGILITY WITH STABILITY OUR TEAM We have special task forces that can deliver projects in seemingly unrealistic timelines. Our envious team is highly skilled and self motivated to make every project a success.

19. POSSIBLE IS EVERYTHING! THE BELIEF THAT DRIVES OUR TEAM … Singapore India Follow us on: Cantonment Towers, Tanjong Pagar 302/A Dosti Pinnacle, Thane, India linkedin.com/company/celusion +65 9456 4072 +91 (22) 4221 3500 www.celusion.com poonam.bhat@celusion.com sales@celusion.com