BANKING

Agile Solutionsfor complex needs

Innovative Systems that will transform your institution.

Excellence as a commitment,innovation as a goal.

At TOP SYSTEMS we know how important it is for a �nancial institution to trust a supplier and feel that they are an integral part of their team.

Since 1987 we have been creating innovative technology solutions that are mission critical elements of our client’s strategy and business.

TOP SYSTEMS is part of Stefanini Group, one of the leading global providers of technology solutions for the global market. Stefanini is a Brazilian multinational company present in America, Asia and Europe with over 16,000 employees. Nine of the ten largest banks in Latin America and over 90% of private banks in Brazil are attended by the company.

With strong innovative orientation, our professional team develops e�cient, consistent products that are applicable to the most diverse structures and organizational dimensions.

Our experience and strong commitment to our clients is what drives us to continually improve and be certi�ed by ISO standards.

But no technology solution would be complete if it were not implicit that its application is a joint process, adaptable to the changing demands of each market. Our commitment does not end upon installing your solution, that’s just where it begins.

We innovate to make financialsystems more dynamic.

The common denominator of our environment is the speed with which changes occur. The factor that most differentiates financial institutions is the ability and speed to respond to these changes.

The dynamism of change gives rise to the constant resetting of the goals of an organization. Facing the changes as challenges and transforming them into the spring board for innovation is the most appropriate response.

Innovation allow us to stand out in an ever more competitive environment, where markets become bigger, competition gets tougher and products are standardized.

Change as a constant,innovation as the answer

Reducing response time to the needs of the market and optimizing cost structure are key factors. It is here where technology plays a fundamental role in the companies. It allows for constant renewal, facilitating agile, fast and at the same time safe changes.

Facing the demands of the environment:

. Innovate

. Be one step ahead and satisfy customer needs. Reduce costs. Obtain information in real-time. Respond to the new regulations in a correct and timely manner.

TOPAZ responds.

Multi-currency Multi-languageHandling of images Maximum securityMulti-channelOn-line accountingOperations 24x7

TOPAZ BankingThe new generationof banking software

Sustainability in the business is directly linked to the agility and capability of the institution to adapt to market changes. Knowing your clients and their needs allows you can quickly create the products that suit them best.

It is because of this that we have developed a cutting edge system that allows you to transform your institution completely, in either one complete step or gradually.

TOPAZ Banking is an all inclusive modular system that supports institutions of varying capacities and complexity.

Our Core Banking will allow you to know your clients in order to:

. Provide better service,

. at the right time,

. through the most convenient channel

. 7 days a week, 24 hours a day

Our advantages, Your Benefits

The agility of response to the marketThe high configurability of TOPAZ Banking allows for the creation of new products and services in a simply and efficiently. The speed it offers gives you a head start in catering to your clients' market needs.

Independent parts, integral solution.TOPAZ Banking is a modular system that covers all the needs of the financial institutions. One of the most important differentiators is that it allows gradual technology updating depending on the strategy, while minimizing the impact of change.

Future Proof: Designed with your future in mind. TOPAZ Banking is the new generation of core bankers developed with cutting edge technology. Using JAVA/JEE and with service oriented architecture (SOA), your investment is ensured throughout time.

The client as the center of the businessThe key to centralized client management is achieved by having a sole and complete overview of his/her activities. TOPAZ Banking works with the concept of a sole client allowing the access to all the clients' operations irrespective of the number or type of business that that he/she operates with the institution.

More efficiency, lower costsIncrease your productivity by automating all the areas of the business. Generate management reports instantly so as to have a clearer control of the business, as well as the support for decision taking.

Efficiency and real results witha tailor made technology base.

TOPAZ Banking has been designed to fulfill the toughest requirements of International banking using open technology and the latest models of connectivity.

Centralized System All the institution's information resides in a central Server, allowing access from any place, on-line and in real-time.

Open Architecture The system has the ability to interrelate in a simple manner with other applications. Its architecture in multiple layers allows for simple interaction with other applications.

Developed in Java The system is developed entirely in JAVA/JEE, providing access to high performance cutting edge open technology. This language has proven to be the best option for applications with solid business presence.

Scalable Architecture

Service Oriented Architecture (SOA)Its architecture has been oriented to services (SOA), which allows for greater technical and business flexibility. It facilitates scalability, integration and co-existence with other applications.

Web-enabledIt is possible to access TOPAZ Banking through a web browser. Our web-enabled system provides all the advantages that can be offered to the desk client by providing the comfort of a traditional web browser, improving the speed of response, the use of the systems' resources and of the

Secure information, in real-time, with the connectivity that your institution needs.

SERVICES

CHANNELS

BUSINESS LOGIC

Exposureof Services

DATA MODEL

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Re-usable logic(fine grain)

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Easy to integrateTOPAZ Banking was developed following the industry standards, using JAVA/JEE, a highly flexible technology. This facilitates the integration with other existing systems in the institution as well as with external systems.

Maximum securityTOPAZ Banking has a sophisticated security environment that includes entrance controls based on predefined roles, which guarantee the security of the information both for the access to the application as well as the data.

Control OrganismsAll the regulatory reports are automatically generated by TOPAZ Banking, fulfilling the specific regulations of every type of institution and country.

Accounting on-lineTOPAZ Banking permits accounting to be directly obtained from product management. This results in real-time transactional accountancy, allowing for the outstanding balance of any office to be obtained at any time.

Characteristics to anticipatethe challenges ahead.

FlexibilityThe system allows for quick and efficient responses to the clients' needs. The creation of new products and services is carried out in an agile and direct manner thanks to the high configurability of TOPAZ Banking and its' powerful incorporated development tool.

ScalabilityTOPAZ Banking accompanies the growth of your institution, allowing for the incorporation of the financial products and services upon need. Its open technology architecture permits it to be installed in the most varied equipment.

User friendlinessThe friendly and intuitive interface, together with the ease of navigation and on-line assistance, allow for the users' fast adaptation to TOPAZ Banking, reducing the required learning period and as a result training costs.

MultiplatformDeveloped in Java language, TOPAZ Banking is independent from your hardware operative systems and databases, protecting your investment mid and long term.

Development toolkitTOPAZ Banking offers the possibility to easily design and implement operations, reports and business processes independently from the supplier.

Accessibility and IntegrationThe Java language platform makes it possible to make different services available for the user and client via internet, mobile phone or any other wireless device effortlessly with no need for any additional development.

WorkflowThe automation and follow up of the business is carried out by means of a complete integrated workflow system, optimizing the handling of processes and ensuring that the tasks are executed according to the assigned priority, by the right person and in the right order.

On-line and real-timeWith TOPAZ Banking your institution is always on-line and in real-time, providing instant access to information, wherever and whenever you need it.

Designed for the future

Accounting

TOPAZ Banking has an accounting unit that keeps track of all postings from each business unit in real-time.

The Financial Area provides various on-line reports in order to optimize the management of resources, obtaining the inter-branch transactions, debt, reserve, state of deposits and obligations, liquidity and future position amongst others.

The authorized users of the Accounting Department can input the movements and adjusting entries.

The system's capacity to manage multiple currencies permits the display of the information in local and/or foreign currency.

It allows for the location of all the valuables that form part of the institution's fixed assets, it also calculates the depreciation, revaluation, and repayment, automatically carrying out the book keeping.

Compliance

TOPAZ Banking goes beyond the International requirements to become a true ally for the Compliance Team.

TOPAZ Banking safely and securely automates all money-laundering controls and uses powerful analysis tools to help keep your team and your bank ahead of any powerful legal and operational risks.

Developed according to the principle “Know your Client”, the TOPAZ Banking solution allow the Compliance Officer to come to fast and reliable conclusions, derived from the client's profile and multiple analysis methodologies. The solution has a series of alerts and pre determined scenarios to keep you informed, which the institution adjust and modify as required.

Risk Management Knowing, measuring and monitoring the risks gives the competitive edge and support needed at the time of decision making and guarantees the institution's sustainable growth. TOPAZ Trace allows you to carry out integrated management of all the risk factors, incorporating both the qualitative and quantitative ones.

Suite of Complementary Products

Business Intelligence Get real-time actionable access to your institution's critical information. The data analysis that this application delivers, provides the proper support for timely decision taking. In the financial environment, the capabilities that Business Intelligence offers make the difference between success and failure.

Key Benefits:

. Automatic and real-time accounting entries

. Register of income and expenses

. Complete and detailed information

. Balances by branch, consolidated and arbitrated

. Information per Cost Center

. Conciliation of accounts with Correspondent Banks

. Movements with value date

. Accounting ledgers

Key Benefits:

. Filtering of all sorts of lists of suspects

. Clients, individuals or group profiles

. Classification of clients per risk

. Scenario of risky behavior

. Personalized alerts

. Case Management for alert Management

. Graphical Analysis by means of the OLAP tool

. Internal and external reports for regulating agencies

. Development tool for new reports

Planning and Budgeting With this application you can project, plan and integrate the operations of the different areas of your institution in as many scenarios as required. Foreseeing expenditures and revenue for a determined period allows your institution to establish priorities and evaluate reaching the objectives.

Mobile Banking This complete Mobile Banking Suite covers all the banking and financial operations by means of a group of pre-packaged transactions that allows for the customization and extension of its functionalities. The multiplatform nature of the solution, allows it to be executed at all kinds of mobile handsets, independent of the brand or operating system.

Credit CardsIn today's world it is necessary to have highly specialized solutions in the processing of credit cards. This solution includes the complete processing of all credit cards, including generation processing and administration.

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Independent partsof a complete solution

In TOPAZ Banking every financial product covers a specific function. Although they are fully integrated to manage all the operations of your institution, they are at the same time independent business units, allowing for the installation to take place in stages according to your current and future needs.

TOPAZ Banking

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TOPAZ Banking amply covers all the International Commerce operations of a financial institution. It encompasses the management of letters of credit and collections, Import and Export, Pre-financing and Transfers.

You can obtain all the necessary information or decision making by means of statistical reports covering quantity and type of operations, correspondent bank, country of origin and destination, range of amounts and clients, amongst others.

All messages can be viewed on-line and at any time allowing for the efficient

International Trade

tracking of all processes, through the integration of TOPAZ Banking and SWIFT.

By defining the rules in the system, it is possible to control the messages on-line, generating automatic alerts via e-mail that will be sent to the designated person in charge.

The system also prevents fraud and protects your institution against the laundering of money by means of an automatic filter against international sanction lists.

The administration of the different operations that are carried out at the money desk of a bank is comprehensively covered by TOPAZ Banking.

The solution has a vast range of products and derivates in the foreign exchange and currency market areas, which include diverse types of financial instruments such as Spot, Forward and Swap operations. The exchange rate is automatically updated in real-time.

The outline handled by the authorization system make the processes more flexible based on set parameters according to the rates of exchange and operational margins. It completely resolves the handling of the

Treasury

payment of documents, payment orders and transfers; both sent and received, through client account and order.

All of the Treasury's operations are completely automated by means of an interface between TOPAZ Banking and SWIFT, including the payment of commissions.

The information regarding the cash, checks and documents of each branch will be available on-line for treasurers and branch managers, in each one of the operated currencies upon request.

TOPAZ Banking allows for efficient management and administration sales, custody and the direction of investments, including both, the operation of values linked to clients and investments made by the institution.

TOPAZ Banking handles fixed or variable yield securities, with periodic adjustments and different repayment plans; in addition it facilitates the required definition to work with Government Securities, Stocks, and convertibles among others.

Investments

It simplifies and optimizes the management, valuation and control of Trading and Investment portfolios.

With TOPAZ Banking you can keep your focus on your clients, helping them succeed beyond their expectations. Consolidated and easy-to-follow account statements, generated in real-time and with up to the minute exchange rates empower you to offer rapid and efficient client service.

Key Benefits:

. Automatic Transfers

. Automatic message processing

. Automatic message validation (in-coming and out-going)

. Record of messages sent and received

. Controls for prevention of money laundering

. Permanent message update

Key Benefits:

. Exchange rates / arbitration fixation

. Control of the general rate of foreign currency

. Control of operational limits

. Overnight control and overseas deposits

. Control of availability and movements in cash and documents between tills, vaults, branches and vault trucks.. Control of cash balances. Support for tellers through cashing up, registration of surplus and shortage

Key Benefits:

. Optimal management of Trading and Investment portfolios

. Administration of client portfolio

. Automatic or manual Collection of coupons

. Custody of values

. Automatic upload of exchange rates through different channels

. Consolidated Account statements

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Clients

TOPAZ Banking Is a client-centric application that permits you to quickly respond to your client's needs and wishes.

TOPAZ allocates each of your clients a unique identification number, which is separate from their account information.This unique identifier makes it possible to instantly know the client's current position, products and his/her history in the institution.

The system's flexibility allows you to define different types of clients profile and risk level with speed and ease.

Additionally, TOPAZ Banking manages client's signatures and legal powers, for subsequent display in operations that require it, and carries out the automatic control of the powers of the authorized signatures.

Credits

TOPAZ Banking optimizes the efficiency of the administration and management of a wide range of credit products while minimizing risk.

Its' comprehensive workflow ensures that the granting processes and credit authorizations are correctly executed.

TOPAZ Banking enables you to quickly and easily define different loan products based on desired variables.

With the TOPAZ Banking tools, the institution set up all the processes related to the Credit area including Credit Limits and Guarantees.

It also facilitates the management of other products such as, Leasing, Factoring and Discount Documents.

Personal Accounts

In Personal Accounts you will find the flexibility needed to satisfy your clients' investment expectations and adapt to their future needs, turning the demands of the market into business opportunities.

TOPAZ Banking manages Current Accounts, Saving Accounts, Long Term Deposits, Deposits of Guarantee, as well as all the services related to these products, such as coverage between accounts, transfer of funds, overdraft agreements, fund reserves, management of check books and debit cards.

It is possible to define products in accordance with the strategy drawn up by the institution, pool of accounts in different currencies, automatic renewals of long term deposits, interest rates and preferential commissions as well as the launching of innovative products.

You can also offer your clients streamlined and safe services for the management of safes, payroll, payment to suppliers and payment of public and private services.

Key Benefits:

. Consolidated position

. Rapid access to information

. Unique view of the client through all channels

. Automatic control of signatures based on the assigned powers

. Optimization of client service time

. Classification of the client according to risk

Key Benefits:

. Definable granting methodology

. Workflow of processes

. Scoring of credits

. Credit Risk Control

. Client digital file

. Management of arrears portfolio

. Client automatic categorization

Key Benefits:

. Automatic Transfers

. Electronic Clearing

. Account locking

. Validation of signatures

. Control of overdraft lines

. On-line connection with ATM's

. Debit cards

. Simulation of operations

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Technology research witha global business perspective

Specialization with balance

Flexibility and Experience

Improve the dynamic of your business with the security of our know-how.

Cooperating with our clients to increase their competitive edge by means of innovative solutions and advanced technology, in line with the dynamics of the financial business.

Contributing with our extensive know-how in the financial and technology sector, seeking to be more than a supplier, a strategic partner.

Achieving total customer satisfaction trough our specialized management, guided by the highest standards of integrity and professionalism.

To reflect ourvalues is our aim

Global Financial Solutions

www.topsystemscorp.com