FOR TEMENOS T24TM

TCF: Complementary Solu on Provider - WINNER 2015

e stechnologyf OUTPUT & DOCUMENT MANAGEMENT

AUTOFORM

EFS Technology Ltd, 2 Burlington Park, Station Road, Foxton, Cambridge, CB22 6SAt: +44 (0)1223 872747 f: +44 (0)1223 873399 www.efstechnology.com sales@efstechnology.com

Reg in England & Wales No. 2438041 VAT No. GB 538 412 153

11th July 2014

To Whom it may concern,

Sam Hubbard has completed a week of work experience at EFS Technology Ltd (7th – 11th July 2014),working as a Junior Graphic / Web Designer under my tutelage.

During this time he has proved himself an extremely capable young man, who was able to followinstruction, work to a brief and also work autonomously.

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He understands the basics recreate a digital copy of thecompany logo from a paper kerning.

He shows plenty of raw related disciplines. I would have nohesitation in recommending

Yours Sincerely,

Joseph FerroMarketing & Design ManagerEFS Technology

EFS Technology Ltd, 2 Burlington Park, Station Road, Foxton, Cambridge, CB22 6SAt: +44 (0)1223 872747 f: +44 (0)1223 873399 www.efstechnology.com sales@efstechnology.com

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AUTOFORMThe Complete Document Management System

Archive & Retrieve from TEMENOS Print TEMENOS

Workfl ow

Client Le ers / Statements

T24 ASCII / XML Output

Investment Reports /Por olio Statements

GLOBUS OUTPUT DATA

Converted, Delivered & Archived by AUTOFORM LN

Create, Deliver & Archive

• Colour Documents

• Language Varia ons

• Marke ng Messages

• Customer Specifi c Graphs

• Le ers

Fax

Mortgage / Loan / Applica on Forms

SCANNED DOCUMENTS

Supports all major languages & character

sets

Email

PDF HTMLXML RTF SMS

Print Preview PDF Email Fax XML Archive Workfl ow

AUTOFORM LN Provides:

A single interface to manage TEMENOS output and other ancillary IT applications

Consistently branded documents with regional variations

Dramatic cuts in inventory management & printing costs

Supports Asian, Arabic, Cyrillic & European character sets

Transaction driven letters which can be quickly updated to meet new legislation

Portfolio statements with graphical representation

Cut programming costs by 85%AUTOFORM signifi cantly cuts the cost & time required to convert TEMENOS output into stunning multi-language

letters, statements and other banking documents. Our intelligent distribution can push your output to any number

of communication channels simultaneously, whether it's to network/local printers, email, fax, XML, SMS or web

browsers. Intuitive drag and drop data mapping tools make it easy to build any type of document, whilst the freedom

to create and customise your own overlays in any standard DTP or graphics package (MS Publisher, PowerPoint, Adobe

InDesign, etc), means you can quickly free up technical resources for other projects by allowing your marketing

or art department to control document design and replace or reduce pre-printed inventory. Alternative language

templates can also be easily localised by native speakers without any arduous or complex program changes or coding.

Worldwide identity - regional variationAUTOFORM LN makes it easy to maintain a consistent corporate image across all of your international documentation,

whilst conditionally managing the content to meet diff erent language, legal and tax requirements. The results are

not only more attractive documents which enhance your corporate branding, but substantial cross company savings

by eliminating the expense and rigidity associated with pre-printed stationery or hard coded programming.

Mr Robert BransonGreen DriftRoystonHertsSG8 2RB

Dear Mr Branson

Thank You for Opening an Account With AUTOFORM Bank

Thank you for choosing AUTOFORM Bank PLC, the offset bank from the Bank Company Ltd. It’s a decision that ts now and for many years to come.

You certainly have a lot to look forward to: attractive rates on all our products; interest calculated on the basis of daily balances; nancial exibility – and great service.

Our products are great in their own right – but they can work even better together. Thanks to our unique approach to banking, you can connect all our products in any combination to get your money working even harder for you.

We’re the only bank where you can offset your deposits against any kind of personal borrowing without having a mortgage with us. This means that, in return for forgoing interest on your current account and/or savings, you pay no interest on the equivalent amount you borrow. As your monthly payments aren’t affected, you could pay off your borrowings quicker. And as you aren’t receiving any interest, there’s no tax to pay. Alternatively, there is the choice of maximising – this is when you can earn borrowing rates of interest on the money you have in return for continuing to pay interest on your borrowings.

To ts of this innovative and award-winning* approach, please visit our online demonstration at our website and select ‘How It Works’ from the Demos menu.

You can manage your nances 24 hours a day through our secure website. And whenever you need us, our friendly, knowledgeable teams are ready and waiting at one of the largest call centres in Europe.

Yours sincerely,

Peter Autoform Personal Banking Director

AUTOFORM Bank Banking Road Poundtown W1 7AR

Name: Mr Robert BransonBranch: Royston HertsSort Code: 20-16-29Number: 677344444

www.autoform-bank.com

IBAN: C8 26 AUTO 2014 3333 7619 11SWIFTBAC: AUTOB22

1st April 2011

Individual customer investment portfolio

statements with pie or bar charts

AUTOFORM BankBanking Road

Poundtown

W1 7AR

Name: Mr Robert BransonBranch: Royston HertsSort Code: 20-16-29Number: 677344444

www.autoform-bank.com

IBAN: C8 26 AUTO 2014 3333 7619 11SWIFTBAC: AUTOB22

1st April 2011

Mortgage ApplicationPersonal Details

Customer 1 Customer 2

Title Mr Title Mrs

Forename Robert Forename Roberta

Middle Name James Middle Name

Surname Branson Surname Branson

Gender Male Gender Female

Nationality English Nationality English

Telephone TelephoneHome 01763 245250 Home 01763 245250Work 01763 245222 Work 01763 245222Mobile 0785 106 2052 Mobile 0785 106 2052

Email mr@efstechnology.com Email mr@efstechnology.com

Date of Birth Date of Birth

Number of dependent 1 Number of dependent 1children children

Marital Status Married Marital Status Married

Do you smoke? No Do you smoke? No

Do you pay into a Yes Do you pay into a NoPension? Pension?

Present accommodation details

Customer 1 Customer 2

Current address 24 High Street Current address 24 High StreetRoyston RoystonHerts HertsSG8 5DY SG8 5DY

Time at address From: 1993 To: 2011 Time at address From: 1993 To: 2011

Present residential Present residential Homeownerstatus status

Correspondence CorrespondenceAddress Royston Address Royston

Herts HertsSG8 5DY SG8 5DY

23/01/2010

Homeowner

24 High Street,

21/01/2010

24 High Street,

Cut the Time to Create DocumentsPersonalise Improve Accuracy Enhance Corporate Image

Mortgage & loan letters direct from TEMENOS

with interchangeable paragraphs

Corporate Retail Wealth Management

Performance Analysis - Monthly and yearly performance

Monthly Performance

Period Start Value Net In / Outflow Eur End Value NOK Return % Cumulated return

5 Years Performance 31/12/2011 - 06/01/2016 Monthly Performance 31/12/2015 - 06/01/2016

Cumulated %Return %Return % Cumulated %

31/12/2015 - 06/01/2016 886,617,305.40 24,405.23 1.18 % 4.37 %897,142,225.71

Yearly Performance

Period Start Value Net In / Outflow EUR End Value NOK Return % Cumulated return

31/12/2015 - 06/01/2016 886,617,305.40 897,142,225.7124,405.23 1.18 % 27.93 %

31/12/2014 - 31/12/2015 847,016,402.44 886,617,305.4012,956,005.40 3.15 % 26.44 %

31/12/2013 - 31/12/2014 726,622,485.86 847,016,402.44115,670,870.42 0.65 % 22.58 %

31/12/2012 - 31/12/2013 659,721,811.18 726,622,485.8610,230,571.10 8.59 % 21.78 %

31/12/2011 - 31/12/2012 468,147,236.34 659,721,811.18161,847,225.33 6.35 % 12.15 %

Portfolio Overview - Allocation

Portfolio AllocationCategory Market value in NOK %

Asset Allocation

Currency ExposureCurrency Value in Currency Exposure in NOK %

Currency Exposure

Cash and Deposits

Fixed Income / Bonds

Equities

Total Assets

Accruals

FX

Total Net Asset Value

-303,599,316.46

1,147,218,905.65

57,696,829.12

901,316,418.31

7,134,158.24

-15,858,811.41

892,591,765.14

-33.68 %

127.28 %

6.40 %

100.00 %

NOK

USD

AUD

GBP

EUR

561,787,460.89

370,095,220.21

2,959.76

-373,884.27

-47,116,970.00

63.52 %

41.85 %

0.00 %

-0.04 %

-5.33 %

561,787,460.89

41,428,526.73

471.85

-28,723.50

-4,855,942.78

Figures shown are Trade Date based

Print Preview FunctionPrint to any device on your network

Print locally in branch

Internet Banking - print anywhere

TEMENOS T24 print preview window of the fi nished document

Giving you back controlWhether it's in-branch or at home, staff and customers will instantly benefi t from our easy to use and seamlessly

integrated print preview function, giving them sharp, clear and perfectly formatted documents for review before printing.

Instant PDF preview of the fi nished document

Maintain your corporate branding and style across all your documentation

Generate dynamic statements for printing online

Always adding valueThe advantages of our print preview function extend into the back offi ce as well,

cutting down on resource overheads and administration by allowing you to:

Print locally in branch

Restore local print function when upgrading from desktop to the browser

environment

Maintain branch level control over printers

Developed and tested in conjunction with TEMENOS software engineers, our solutions are used extensively by banks

across the world. With AUTOFORM LN you know you are in safe hands.

'Simplicity is the ultimate sophistication' Leonardo da Vinci

Intelligent digital distributionAUTOFORM LN can convert TEMENOS printed output to a range of fi le types which can then be delivered via the

recipient's chosen method, such as email, fax or XML. Other advantages include:

Delivery 'To' & 'From' staff specifi c email addresses, for better customer relations and ease of response

Inserts subject header line e.g. 'STATEMENT May 2012 From Your Bank Name.'

Automatically attaches documents held in AUTOFORM Archive e.g. statements with copies of redeemed cheques

Provide 'statement ready' email and SMS alerts for internet banking customers

Automates Mail Room TasksIn addition to automating digital distribution, AUTOFORM LN also off ers a range of mail collation & print scheduling

facilities for COB requirements and outsourced printing.

Print documents in name order, so that multiple account holders can receive statements in one envelope

Prioritize time-critical documents for printing over non-urgent documents, regardless of when they were produced

File copies can be held and printed in fi ling order at a convenient time. This prevents document loss when staff

are sharing printers

Converts TEMENOS output to PDF ZIPPED fi les, ready for outsourced mailing houses

AUTOFORM LN Provides:

Automated email and fax delivery, in addition to pre-sorted post

Automated T24 to PDF conversion and PDF combining, allowing printing & mailing to be outsourced

Eliminates multiple, same address, deliveries

The opportunity to exchange document information using XML, PDF and the web

Printing & Broadcasting from T24Intelligent broadcasting from your banking network

broadcast channelsT24 output

high volumeEOD / COB

on demand internal external

secure pdfemail / xml / sms / fax

print schedule & sort

prin�ng tohighvolumeprinters

generate,view & printfinisheddocumentsin branch

sent toprint out-sourcingcompany

AUTOFORM DM Archive provides:

On-screen TEMENOS T24 integrated document, photo and signature retrieval

Sophisticated automatic indexing and cross referencing facilities

Fast access to document copies for reprinting or emailing

A document vault for customer's fi nance related documents

Instant TEMENOS T24 Document RetrievalWhen answering customer or audit queries, it is often necessary to refer to supporting documentation, but hard copies are simply too slow to retrieve and too cumbersome to store, especially in a modern banking environment. AUTOFORM DM Archive integrates seamlessly with TEMENOS T24 to overcome these diffi culties, allowing any document to be viewed instantly from within a standard TEMENOS T24 enquiry screen.

AUTOFORM DM for TEMENOS Outgoing Documentation: As TEMENOS T24 generates a statement, investment report, letter or any other document, AUTOFORM DM automatically stores a copy in a fully indexed online archive. Searchable index keys can include the customer's name, date, account number, branch code or any other indices that TEMENOS T24 uses.

AUTOFORM DM for Incoming Mail: AUTOFORM LN can capture documents from scanners, email & fax servers. Alternatively, they can be dragged and dropped into the archive, from any desktop. AUTOFORM then uses data from TEMENOS T24 to index and link the document to any screen, for immediate retrieval with TEMENOS T24.

Technical Specifi cationWeb services integration technology

API integration with TCIB and TCMB

Web-browser viewing from TEMENOS T24 enquiry screens

LDAP access control

Archive is held on a central server allowing for remote or branch access

Accelerated business processingAUTOFORM DM gives all your staff instant access to the information they need, when they need it, at branch, regional, national and international level, saving you precious time and money on printing, circulating and storing hard copy documents.

Customer services: Customer queries can be immediately resolved with onscreen viewing of statements, correspondence and mortgage/loan agreements. Copy documents can also be e-mailed or faxed while the customer is still on the phone.

New accounts and loan decisions: documents are automatically circulated so that decisions can be made more quickly.

AML compliance: scans of supporting documents such as passports, signatures and photographs can be integrated into TEMENOS screens, for immediate viewing in the event of a query, audit or security check.

TEMENOS T24 Integrated ArchiveEverything you need at the touch of a button

Searching & Viewing

AUTOFORM LN's TEMENOS T24 suite adds 'drill down' document search & viewing facilities to any TEMENOS enquiry screen,

so that banking staff can instantly access document copies. The documents are returned from the AUTOFORM DM Archive

and presented on screen and can be printed, emailed or faxed.

Signature CaptureAny type of banking form can be generated and printed on-demand, for subsequent signing, scanning and archiving.

Alternatively, forms can be electronically generated and signed using a windows surface tablet or digital signature pad and

then automatically archived. Whether physically scanned, or digitally hand signed, AUTOFORM can extract the signature

from the document for reference purposes and automatically present it back through the single customer view screen in T24.

Ad-Hoc & Batch Scanning - In Branch or Head Offi ceAUTOFORM DM's ad hoc scanning solutions for T24 are perfect for quickly capturing ID documents such as passports, driving

licences and utility bills during the customer on-boarding process and other customer facing situations. AUTOFORM DM also

provides batch scanning of documents (multi-page mortgage or loan application forms, contracts, deeds and letters) with

automated indexing for head offi ce, regional hubs or in-branch. These documents typically need to be actioned / approved

and replied to and AUTOFORM integrates with Temenos' workfl ow products, thereby enabling a complete document handling

process.

Photo CaptureAUTOFORM also enables customer photographs to be incorporated into any TEMENOS enquiry screen. This allows for

new or existing customer's visual and personal identity documents to be captured and viewed alongside other details and

documentation. Photographs can be taken easily via a high resolution web-cam during account or loan application interviews.

Control Everything from TEMENOS T24 On-Boarding & ID Capture for New & Existing Customers

View any document in TEMENOS T24 or TCIB, quickly and

eff ortlessly.

Easily capture customer photos & signatures and view them in any branch, at the touch of a button.

EFS Technology Ltd, 2 Burlington Park, Station Road, Foxton, Cambridge, CB22 6SA, England Tel: +44 (0)1223 872747 sales@efstechnology.com

www.efstechnology.com

cer t i f i ed par tner

We have worked in conjunction with TEMENOS to develop a document management solution which is fully integrated with T24, attaining full certifi cation for use in banks across the world. Our award winning software makes it easy to work with T24 data and quickly produce perfectly designed and branded documentation, from customer statements to investment summaries and fi nancial reports. With clients across the world operating in every banking sector, AUTOFORM is a tried and trusted solution for retail banking, microfi nance, private wealth management, universal banking, credit unions, insurance, corporate banking, Islamic banking and trade fi nance.