Ingenico Biometric Solutions for Secure and Convenient Authentication

1. PRODUCTS FORUMBIOMETRIC OFFER Jérôme TREMBLET – R&D Support Vincent CACHARD – Marketing Support VISION 2009

2. Summary • Main markets • Biometric Range • Business Case EEMEA / INDIA / SOUTH EAST ASIA • VISION 2009 • 2

3. 1 Main Markets

4. Focus on Biometrics • Biometrics • Biometrics is any technology that uses a unique physical attribute of a person as the "password" to gain access to a protected location or device • Biometrics provides a cost-efficient and strong security, using a combination of smart card, PIN entry, and fingerprint technology : • A fingerprint is an impression of the ridges and furrows of the surface of the finger • Fingerprint identification is the process of comparing questioned and known friction skin ridge impressions (Minutiae) from fingers • Minutiae : • Are specific points in a finger image. • Minutiae points are local ridge characteristics that occur either a ridge bifurcation or a ridge ending

5. Ingenico Biometric Markets • Biometrics could be used for numerous application requiring security and easy to use devices : • BANKING for under-banked people • Micro Financing • Money Transfer • Cash withdrawals • Cash advance • HEALTH • Medical management • Patient authentication • SALARY & WAGE PAYMENTS • PREPAID • Utilities • Retail

6. 2 Ingenico Biometric Range

7. Ingenico Biometric Offer • Three products on Telium platform • BIO930 • Based on EFT930 P • GPRS module as an option • BIO930 Bluetooth • Based on EFT930 B with ethernet docking station • BIO930 S • Based on EFT930 S GEM • Simplifying authentication of identification of individuals, facilitating transactions and increasing security are some of the advantages the BIO930 offers.

8. Ingenico Biometric Offer • As a mobile device, it can be used for enrolment and control procedures. • Technical features • 32-bit ARM9 microprocessor • Memory: 32 MB flash + 8MB SDRAM • EMV Smart card reader • Magstripe reader ISO 1,2 • Graphic display 128 x 64 backlite • Keypad of 18 keys (15 + 3 function keys). • Morphosmart biometric module • - Acquisition time < 1 sec • - Verification time <0.8s • - Template < 256 bytes • - Configurable false acceptance rate (FAR) • - Morphosoft embedded algorithms used • Communication • - GSM/GPRS(option) • - Modem V32 Bis Bio 930 Biometricsmobility and a lot more User-friendless, and security

9. Bio 930 and Ethernet Ingenico Biometric Offer • This portable device, can be used for enrolment and control procedures. • Technical features • 32-bit ARM9 microprocessor • Memory: 32 MB flash + 8MB SDRAM • EMV Smart card reader • Magstripe reader ISO 1,2 • Graphic display 128 x 64 backlite • Keypad of 18 keys (15 + 3 function keys). • Morphosmart biometric module • - Acquisition time < 1 sec • - Verification time < 0.8s • - Template < 256 bytes • - Configurable false acceptance rate (FAR) • - Morphosoft embedded algorithms used • Communication • - Bluetooth between the terminal and cradle • - Cradle with Ethernet and Modem Biometric portability User-friendless, and security

10. Ingenico Biometric Offer • This desktop device, can be used for biometric enrolment and control procedures, with matching on card, on terminal or trough a network. • Technical features • 32-bit ARM9 microprocessor • Memory: 32 MB flash + 8MB SDRAM • EMV Smart card reader • Magstripe reader ISO 1,2 • Graphic display 128 x 64 • Keyboard of 18 keys (15 + 3 function keys). • Morphosmart biometric module • - Acquisition time < 1 sec • - Verification time < 0.8s • - Template < 256 bytes • - Configurable false acceptance rate (FAR) • - Morphosoft embedded algorithms used • Communications : GPRS/Ethernet/PSTN Bio 930S Desktop biometric terminal for easyauthentication High security and performances

11. 3 Business Case

12. Micro Finance in India Customer • Fino is an Indian technology and service provider • Founded in 2006 by ICICI bank, Indian 2nd largest bank • FINO offer to Indian Banks • Reaching out to the under-/ unbanked population of India potentially 500 million) providing them with a broad range of financial products and services at a lower cost • Providing better processes, customized products and automated sytems to MFIs so that they can overcome the constraints of manual processes and records which cannot be scaled-up once they hit certain mass. • Drastically reducing transactional, operational and card acceptance infrastructure cost (last mile delivery channel) MFIs: Micro Finance Institution partnering with FINO and Banks

13. Micro Finance in India • FINO Micro Finance Process • Cardholders needs to enrol into the Fino program at any of the many enrolment stations around the country in order to receive a biometric card • Every card contains cardholder demographic data as well as biometric minutiae (fingerprints) for authentication at the time of transaction • MFIs appoints agents that travel to the rural areas to service cardholders by: • Distributing issued cards • distributing loans • collecting savings • delivering back office updates to the cards • MFIs’ agents collect transaction information which they upload to the FINO Host

14. Micro Finance in India STRUCTURAL OVERVIEW – FINO Microfinance System FINO MFI 1 MFI 2 MFI 3 WEB –BASED REPORTING SERVICE DATABASE DATABASE DATABASE ON LINE TELLER ON LINE TELLER ON LINE TELLER MFI 1 Regional Services Point MFI 1 Regional Services Point MFI 1 Regional Services Point CARDHOLDER CARDHOLDER CARDHOLDER AGENTS AGENTS AGENTS AGENTS AGENTS AGENTS AGENTS AGENTS AGENTS MFI 1 Agents in the field MFI 2 Agents in the field MFI 3 Agents in the field