Unified Account Opening_Celusion Technologies

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. WHO WE ARE? We build large scale enterprise software applications Celusion Technologies Singapore Pte. Ltd. ('Celusion Singapore') is a Singapore registered Fintech Company. We are certified by the Singapore Fintech Association as a platforms provider and software development services and products, with a focus on digital onboarding and lending solutions to financial institutions in the Asia Pacific region. We help financial institutions transform their customer acquisition process to a fully-digital channel, augmented by real-time regulatory checks and artificial intelligence for fraud detection. Celusion Technologies Private Limited ('Celusion') is the parent company of Celusion Singapore and is headquartered in India. We were in the TOP 10 FINALIST at the Singapore Fintech Festival Awards 2020, under the Global Category, for our product Unified Account Opening - a digital customer onboarding platform. 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.

5. Unified Account Opening Simple | Smart | Compliant Easier finance for all

6. OUR CLIENTS 6

7. DIY JOURNEY SIMPLIFIED Smart forms auto populate your identity, address and bank account details. 6-7 MINUTES Simplified UX for the customer, to progress stag-wise and be able to complete the form easily. AI BASED CAPABILITIES Auto fill identity and address information from images of document proofs with an accuracy of 99.5%, using modern OCR techniques that use Artificial Intelligence. KNOW YOUR CUSTOMER (KYC) API Auto fill customer information by using an API to fetch details from KYC registries or populate the details from an organization’s central Customer Information System (CIS), or in integration with a Bank. ONLINE PAYMENT COLLECTION Accept online payments from the customer for account opening charges, initial margin or annual fees, enabling the customer to start their investment journey immediately. 7

8. 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 Fresh KYC and accessing KYC details from depositories. PAN AUTHENTICATION VIDEO KYC / VIDEO IN-PERSON VERIFICATION Validate PAN of the customer real-time against income tax database. Contact-less onboarding is the need of the hour; verify the customer with Zero physical contact. AADHAAR VERIFICATION AML / NEGATIVE CHECKLIST Verify the customer using Aadhaar’s Online OTP based / Offline xml-based verification methods. Verify the customer against AML databases and ensure you are onboarding quality customers. KRA / CKYC DIGILOCKER Fetch existing customer data from KRA and CKYC and verify them. This also helps in minimized data collection. Avail DigiLocker-based customer verification and onboard them in a flash. 8

9. DETECT FRAUD & REDUCE OBJECTIONS USING AI/ML While Video IPV, Video KYC, capturing Selfie - Various AI/ML based technologies help detect fraud and reduce objections FACE DETECTION LIVELINESS CHECK If no face is detected in the capture, the system will not allow the customer to proceed. Photo of a Photo if used, will be detected by the system and prohibit the customer. NO. OF FACES FACE MATCHING % Based on the no. of faces in the capture, system can be configured whether to allow or not. A confidence match % helps the verification agent approve/reject the application. 9

10. STREAMLINE OPERATIONS Automated verifications & compliances allow quick processing of forms. PROCESS APPLICATIONS IN 8-10 MINUTES Theoperationsmoduleiscapableof processingthousands/lakhs of forms each month. Extremeimportanceisgiven on reducing theTAT for processing. REGULATORY COMPLIANCE AUTOMATED VERIFICATION CHECKS Generate and submit files for upload to KRA / CKYC registry as per regulatory guidelines. Also, export files for both internal and external systems like Exchanges or Depository Participants. Ensure the correctness of data provided, by validating against regulatory and non- regulatory authorities. LOGISTICS INTEGRATION OBJECTION FLOW & ANALYSIS Integrate with partners to pickup physical documents / get wet signature on printed forms, from the customer’s location and drop it to your branch office. Verification agent raises the objection(s) and the customer/sales agent completes them, all within the system with automated notifications and reminders. SYSTEM GENERATED PRE-FILLED PDF APPLICATION FORM & AGREEMENTS With the data provided by the customer and from various integrations, system will pre-fill and generate the PDF’s. 10

11. SMART ARCHITECTURE DYNAMIC CONFIGURATION Dynamic product and form configuration. RULE ENGINE Ruleengines tocater to different assignment logics. Identity Server WORKFLOW ENGINE Design workflows tomodel any process. Communication Matrix Dynamic Configuration INTEGRATION ENGINE Workflow Engine Seamless integration with systems. COMMUNICATION MATRIX Organisation Hierarchy Rule Engine Email, SMSand Push Notification on systemtriggers. Integration Engine API Gateway IDENTITY SERVER Manages securerole-based access via tokens. ORGANIZATION HIERARCHY Multi level org. structuretocontrol data access. API GATEWAY Out of thebox, digital serviceintegrations. 11

12. COMPETITIVE ADVANTAGE ONE SMART FORM COMPREHENSIVE PLATFORM One smart form to instantly activate stock broking, bank, loan or insurance Includes onboarding, due diligence, query resolution, regulatory reporting & account activation. accounts. COLLABORATIVE ECOSYSTEM CENTRAL & BRANCH OPERATIONS Connects sales, operations, channel partners, and credit teams, reducing the time to onboard Supports both central and branch operations, allowing institutions to leverage their existing networks. a customer. FUTURE PROOF ARCHITECTURE INTERNATIONALIZATION Plugin new technologies and services and include them in your onboarding process. Supports multiple languages, which is very important in countries like India with 22 languages. 12

13. MORE PRODUCTS DIGITAL LENDING PLATFORM VENDOR MANAGEMENT SYSTEM Disburse loans faster by employing an inclusive approach to the full lifecycle of loan origination and One system to manage all stages of the vendor’s lifecycle with your organization credit underwriting. VIDEO KYC PLATFORM SALES FORCE AUTOMATION A consent-based Video-Enabled Customer Identification Increase conversions, gain real-time insights into activities and lead your sales team to success with a data-driven approach. Process (V-CIP) designed in compliance with regulatory guidelines. FINANCIAL API GATEWAY SMS CONNEXION A gateway for your service-oriented architecture with 25+ pre-built microservices for regulatory and A mobile messaging platform that offers a wide range of SMS products and two-way messaging solutions for the enterprise. fintech services. 13

14. POSSIBLE IS EVERYTHING! Ready to serve you in your digital transformation journey 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