Where TECHNOLOGY means BUSINESS

1. Where TECHNOLOGY means BUSINESS

2. OraBank Framework & Legitimate Compliancy • OraBank is a fully integrated Islamic Banking Solution that handles all banking operations and activities for the following layers: • Core Banking • Retail & Corporate • Islamic Finance & Investment • in accordancewith: • Islamic Shari' a principles • Audit, Accounting Organization for Islamic Financial Institutions (AAOIFI) standards

3. OraBank Framework & Legitimate Compliancy Non-Cash Financing OraBank Islamic Financing • Provisions of • factors for • Production • Goods Risk Sharing Profit Sharing

4. OraBank Technology Platform OraBank has been designed and developed using Oracledatabaseand Oracle designer CASE tools and efficiently scalable over multiplatforms.

5. OraBank Feature Highlights • Bilingual • GUI • Standardization • Parameterized • Fully Integrated • Increase front line productivity • Improved client/end-user experience • Lower future development and maintenance costs • Higher functionality and customer service levels • Flexible design allows easy interface with other systems • Modular Design supporting phased implementation • Robust Multi-Level Security & Log files • Can be run over a Centralized and Distributed Database • Flexible Interfacing capabilities.

6. OraBank Business Modules

7. Morabaha Modaraba Mosharaka Int’l Investment Fix Term Deposits Profit Calculation Investment Portfolio Credit Facilities Islamic Financing & Islamic Investment Architecture Standing Orders Deposits Cheque Book Promisory Notes Safe Boxes Remittances Cheque Clearing L/G Teller L/C Integrated Business Layers Data Flow Retail & Corporate Banking Set Up Accounting Clients Security Core Banking

8. System Value Added Chain Set Up Business Process Automatic Vouchering Reporting Inquiry

9. First Layer Set Up Accounting Clients Security Core Banking

10. Set Up Security Clients Accounting Core Banking • The Set Upsystem defines several parameters to establish unified interfaces: • Organizational structure • Languages • Error messages • Dictionary • Hijri and Gregorian calendar • Countries, companies, branches, departments and sections • Major and minor domains for the package’s parameters. • Defining programs, functions, elements and their relevant.

11. General Calendar Databases Dictionary Error Messages Serial Numbers Language User Screen Profile Country Organizal Structure Bank Branch Department Division Set Up Nationality Gender Transaction Type Acc. Level Domain Dates Year Months Week Days

12. Set Up Security Clients Accounting • The Security & Privilegessystem manages and controls users/groups authorities and profiles parameters to guarantee full system protection and monitoring, such as: • Database • Systems • Functions • Form • Field • Sessions duration • Log time & frequency Control • Menu Profile • Password modifications

13. Manual Screen Lock PW Generation control Fields PW Change Anonym. Record Login Lock System Lock Functions Forms User Name & PW Encrypt. Database System Periodical PW Change Program Screen Lock OraBank Security Provisions User Security Module Security System Security ORACLE Standard Security/Encryption

14. Set Up Security Clients Accounting Core Banking • The Clients system manages the clients’ basic information on any nominal level • Unique card numbering (Automatic or Manual) • Clients’ economical areas and sectors. • Types of client levels:Individual,Trustee, Partner, Company • Client Black Listing • Joint accounts management. • Minors’ accounts management, when reaching legal age. • Storing client picture/ID • Inquiry about various types of clients, using any part of their full names.

15. Set Up Security Clients Accounting Core Banking Features • Unlimited COA • Multi-Currency • Multi-Banks • Closing Periods • Reporting • Compliant with (AAOIFI) • Multi A/C Numbering • Convention

16. Second Layer Standing Orders Remittances Cheque Book Promisory Notes Safe Boxes Cheque Clearing L/G Deposits Teller L/C Retail & Corporate Banking

17. Deposits Standing Orders Remittances Cheque Book Promisory Notes Safe Boxes Cheque Clearing L/G Teller L/C Retail & Corporate Banking Opening Account Authorized Reversing Transactions Procedural Actions Transactions FX User Account Privileges Currency Evaluation Accounts Inquiry Reports Integration with Islamic Modules: Risk Sharing, can be mapped with Financing & Investment modules

18. Deposits Standing Orders Remittances Cheque Book Promisory Notes Safe Boxes Cheque Clearing L/G Teller L/C Retail & Corporate Banking Goods Specs Doc’s Freight Forwarders Approvals Financing LC’s Banks Credit Facilities Non-Cash Islamic Financing Risk & Profit Sharing by the Islamic Bank/Beneficiary

19. Deposits Standing Orders Remittances Cheque Book Promisory Notes Safe Boxes Cheque Clearing L/G Teller L/C Retail & Corporate Banking Fees Collaterals Extensions Adjustments Settlement Confiscation LG’s

20. Deposits Standing Orders Remittances Cheque Book Promisory Notes Safe Boxes Cheque Clearing L/G Teller L/C Retail & Corporate Banking Assigning Cash Box GL Monitoring Transactions Closing Cash Boxes Defining Tellers

21. Deposits Standing Orders Remittances Cheque Book Promisory Notes Safe Boxes Cheque Clearing L/G Teller L/C Retail & Corporate Banking Flexible Cheque Numbering Convention Tracing Cheques Status Cheque Delivery Follow Up Defining Cheque Book Sizes and Fees

22. Deposits Standing Orders Remittances Cheque Book Promisory Notes Safe Boxes Cheque Clearing L/G Teller L/C Retail & Corporate Banking Covering & Corresponding Banks Fees Returned Remittances Remittances Incoming Outgoing

23. Deposits Standing Orders Remittances Cheque Book Safe Boxes Cheque Clearing L/G Teller L/C Retail & Corporate Banking Managing & Processing Clearing Cheques Defining Banks & Branches and account Numbers (Central Bank Code & regulations) Clearing Batch MGT • Returned cheques MGT • Defining reasons • Reversing Trans. Involved Hardware Cheque Processing and Sorting machine Cheque Reader

24. Deposits Standing Orders Remittances Cheque Book Promisory Notes Safe Boxes Cheque Clearing L/G Teller L/C Retail & Corporate Banking Standing Order Source Destination Amount Period Fees Placing Client Instruction

25. Deposits Standing Orders Remittances Cheque Book Promisory Notes Safe Boxes Cheque Clearing L/G Teller L/C Retail & Corporate Banking Rent, Insurance Deposit, fees Authorized Tracing Box Visits Defining Box sizes

26. Third Layer Morabaha Modaraba Mosharaka Int’l Investment Fix Term Deposits Profit Calculation Investment Portfolio Credit Facilities Islamic Financing & Islamic Investment

27. Mosharaka Morabaha Modaraba Int’l Investment Fix Term Deposits Profit Calculation Investment Portfolio Credit Facilities Islamic Financing & Islamic Investment Financing Application Feasibility & Asset evaluation Personal or Corporate Financial Collaterals Assessment Committee Decision Processing Contract Data Collection & Analysis Mosharaka Modaraba Morabaha Islamic Financing - No Cash Lending

28. Morabaha Modaraba Mosharaka Int’l Investment Fix Term Deposits Profit Calculation Investment Portfolio Credit Facilities Islamic Financing & Islamic Investment Morabaha Management Credit Facilities Trans. Allocation Settlement Monitoring Accounting Entries Ownership Transition Of Goods No Cash Lending Installments Promissory Notes

29. Morabaha Modaraba Mosharaka Int’l Investment Fix Term Deposits Profit Calculation Investment Portfolio Credit Facilities Islamic Financing & Islamic Investment Modarabah Management Credit Facilities Trans. Speculator Business Plan Delivering Goods Selling Goods Project Settlement Provision Of Goods by the Bank / No Cash Lending Profit Sharing

30. Morabaha Modaraba Mosharaka Int’l Investment Fix Term Deposits Profit Calculation Investment Portfolio Credit Facilities Islamic Financing & Islamic Investment Mosharaka Management Credit Facilities Trans. Feasibility Study Project Construction Real Estate Management Accounting Entries Project Settlement Customer Ownership Profit Sharing Land Mortgage

31. Morabaha Modaraba Mosharaka Int’l Investment Profit Calculation Fix Term Deposits Investment Portfolio Credit Facilities Islamic Financing & Islamic Investment • A/Cs Subject to • Profit Calculation • Saving • Deferred • Subject to notice Investment Profits Calculation Parameters (Policy-based Formula) Allocation of profit

32. Modaraba Mosharaka Morabaha Profit Calculation Fix Term Deposits Int’l Investment Investment Portfolio Credit Facilities Islamic Financing & Islamic Investment • Deposits A/Cs • Saving • Deferred • Subject to notice Fixed Terms With expected Profit • Invested In • Islamic Financing • Morabaha • Modaraba • Mosharaka Profit Sharing

33. Modaraba Mosharaka Morabaha Profit Calculation Fix Term Deposits Int’l Investment Investment Portfolio Credit Facilities Islamic Financing & Islamic Investment • Business Mediator • Bank • Merchant • Financial Inst. Potential Business Deal (Goods) • Negotiations • Amount • Profits • Duration • Collaterals • Financing • Deposits Deal Processing Profit Sharing

34. Modaraba Mosharaka Morabaha Profit Calculation Fix Term Deposits Int’l Investment Investment Portfolio Credit Facilities Islamic Financing & Islamic Investment • Sources of Capital: • Deposits A/Cs • Saving • Deferred • Subject to notice • 2. Bank • Defining • Portfolios • Real estate • Commercial • Stocks Portfolios Underwriting Portfolio Evaluation Portfolio Settlement Profit Sharing

35. Morabaha Modaraba Mosharaka Int’l Investment Fix Term Deposits Profit Calculation Investment Portfolio Credit Facilities Islamic Financing & Islamic Investment Architecture Standing Orders Deposits Cheque Book Promisory Notes Safe Boxes Remittances Cheque Clearing L/G Teller L/C Integrated Business Layers DataFlow Retail & Corporate Banking Set Up Accounting Clients Security Core Banking

36. Future Applied Computer Technology-FACT Jordan Islamic Bank Complex- NO (23), 5th Floor - Wasfi Al Tal St P.O.BOX 926785, Amman, 11190, Jordan Tel: +962-6 -55 151 55 Fax: +962 -6- 55 151 56 www.fact.com.jo