NAMUJoyful banking

Confidential – All rights owned by NAMU Systems

BIG OPPORTUNITY to align with your consumers digital lifestyles

Rank Bank Rating

1 JPMorgan Chase 3.00

2 Bank of America 2.25

3 Wells Fargo 2.00

Rank Fintech Company Rating

1 Credit Karma 4.50

2 PayPal 4.50

3 Venmo 4.50

NEW COMPETITION in financial services

… and more on the way

CHALLENGES for financial institutions

• Fee revenues are shrinking

• Interest rates are low

• Regulators are more strict –operating costs go up

• FIs are looking for new revenue opportunities

Transactions = useful CONSUMER DATA

global txn value p.a.

C2C $11Tn

B2C $33Tn

C2B $44Tn

Consumer transactional data -

opportunity for consumer profiling and foundation for targeted marketing.

WHY banks need NAMU?

New Competition

Compressed Margins

Improved Customer Experience

New Revenue Streams

WHY NAMU visual interface? The science behind images:

Levie and Lentz - 46 experiments comparing pictures included with text, or text used alone,

45 of the studies showed

that pictures improved memory & comprehension.

… a group following directions in text illustrated with diagrams did an amazing 323% better than a group

following the same directions without the illustrations.

WHY NAMU visual interface?The speed of recognition:

PURCHASE TFL.GOV.UK/CP TFL TRAVEL CHGB 151203

13 ms

To revolutionize …

FOCUS ON:

EMOTIONS

& SOCIAL

EMOTIONS SOCIAL

CLIENTS &

MOBILE

Key to the NEW BUSINESS MODEL

Contextual Data

Transaction DataNew Algorithm*

‘Google’ meetsFinancialServices

EMOTION SOCIAL

Founder’s Citi EXPERIENCE

$414BN

2013

$132BN

2012

$31BN

20142010 2011

Simplification

Visualization

User’s Lifestyle

A+ Team

Doug BuskAdvisor

Don AlmeidaInvestor/Advisor

Thomas KoInvestor/Advisor

Jin LeeAdvisor

Piotr BudzinskiCEO/Co-owner

Engineering Teamin Poland

Tomasz SmilowiczCo-owner

Selected 2015 AWARDS & RECOGNITIONS

May 13th NAMU wins Finovate Spring Best of Show http://finovate.com/finovatespring-2015-best-of-show-winners-announced/

May 27th American Banker article features Namuhttp://www.americanbanker.com/news/bank-technology/new-banking-app-aims-for-the-instagram-set-1074551-1.htm

May 28th NAMU named TOP INNOVATION“BEST USER EXPERIENCE”, CITI MOBILE CHALLENGE EMEA http://www.citimobilechallenge.com/blog/post/id/citi-announces-top-innovations-from-citi-mobile-challenge-in-jerusalem-london-nairobi-and-warsaw

JUNE 10th NAMU listed as Top Innovators to watch by Bank Innovation http://bankinnovation.net/2015/06/2015-innovators-to-watch-31-to-35/

NAMU Patent-Pending ARCHITECTURE

Existing eBanking Platform

Business Rules Workflow

Legacy DB

Replication

Dat

a A

PI

Backend API (ESB Services)

Cache Mgmt

External Integration API

Application API

Content Mgmt Personalization Search Engine

Session Authenticate & Authorize Logging

NAMU Web Server

NAMU App Server

NAMU DB

Clo

ud

AP

I

NAMU Cloud

Crawler

Client Centric Indexes

Bank DataUser

Merchant

NAMU ApplicationiPhone Android Tablet HTML5

* NAMU Systems LLC. holds a Patent Filed Application.No.61/807,720 pending approval with USPTO

JSON API

Meta Data