w w w . c l y d e s t o n e . c o m

Contacts us:

+233 30 2772690

+234 708 169 0576

+233 26 4318936

www.clydestone.com

www.gswitchworld.comi n n o v a t e d e v e l o p s u p p o r t . .

ABOUT

Clydestone is an indigenous Ghanaian company, and first in

the IT industry to be listed on the Ghana Stock Exchange

(GSE). Currently the leading provider of payment systems

with tailored payment platforms for the information

technology market.

Clydestone was established in June 1989 as a private

company limited. It is one of Ghana's premier information

technology solution companies that develop cutting edge

solutions in the areas of financial document processing,

corporate networking, remittance processing and

transaction switching.

Clydestone installed the first interbank automated Clearing System for the Central Bank in 1996. This was in

operation for 13 years until it migrated to the current truncation regime. Under truncation, Clydestone is still market

leader and supports 12 banks with 43% market share.

Clydestone Cheque Truncation and Automated Clearing House (ACH) solution clients include: GTBank, Zenith Bank,

UBA, Access Bank, CAL Bank, Fidelity Bank, National Investment Bank and UniBank.

FINANCIAL DOCUMENTS PROCESSING

Quality comes first

Commitments matter

Openness and honesty

Continuous advancement of products

Open to the enterprise

In all aspect of work

Having made a commitment, we do everything in our

power to honour it

Client satisfaction is paramount

Our goal is to have long-term relationships

Customers benefit from improved developments and technology

COMPANY POLICIES

FINANCIAL DOCUMENTS PROCESSING G-switchGLOBAL SWITCH

G-Switch, established by Clydestone, is an Electronic Payment Platform providing Transaction Switching, Third

Party Processing and EFT hosting services to Banks, Independent Service organizations (ISO's) and Micro Finance

Institutions (MFI's). G-switch operates a secure, real-time, regulatory compliant processing platform located in

Accra – Ghana that utilizes state-of the-art technology. G-switch operates a local interbank switch under its brand

name – G-switch. Settlement of all G-switch local transactions is through the Ghana Interbank Payment and

Settlement Systems Company (GhIPSS).

G-Switch is certified with China Union Pay (CUP), the Chinese Bankcard Association and is a Global Acquiring

Partner for CUP. We are also certified with Verve Nigeria for the acquiring of Verve transactions by G-switch

member banks in Ghana and also Kenswitch Kenya, to provide CUP acquiring for their member banks.

PAYMENT HUBS

FRAUD MANAGEMENT

SETTLEMENT &RECONCILIATION

CARD AND TOKEN MGT

ONLINE BANKING

TRADEFINANCE

TRANSACTION ACQUIRING

AUTHENTICATION SWITCHING AUTHORIZATION PAYMENT

MIDDLEWARE, CONNECTIVITY, SECURITY, DATA SYNCHRONIZATION, TESTING AND SIMULATION, ETC

VALUE-ADDEDFUNCTIONS

COREFUNCTIONS

INFRASTRUCTUREFUNCTIONS

Comprehensive ClydeAiDPS application suite

Payment processing applications

Image archive & research

Image-based signature verification

Image statements

Image export to external systems

Image-based positive pay

- Cheque and remittance processing

- Image-based and conventional

- Integration with third party ICR/CAR components

- Electronic cleaning and truncation

- Sorting

- Teller application

- Local /web-base enquiry

- Paper/CD delivery/web access

- e.g. office imaging products

- Anti-fraud application

GLOBAL SWITCH G-switch

SERVICES

G-Switch offers the following services:

Card Issuing, Processing and Management

Card Procurement and Personalization

Card Hosting and Authorization

ATM Acquiring

POS Acquiring

Interbank Switching and Settlement

China Union Pay Global Partner

Micro Finance Services on Demand

Universal eCommerce Merchant Platform

3D Secure Authentication for (Verified by Visa, MasterCard Secure Code, American Express

SafeKey and JCB J/Secure and other Alternative Payment Brands.

Our services are tailored to offer our customers a unique one stop solution for all their card

programme’s and transaction processing needs. Our 24/7 call centre ensures that we provide

the best support at all times to our valued clients.

CARD ISSUING, PROCESSING AND MANAGEMENT

G-Switch offers card issuing, processing and management to several financial institutions and private label card

issuers. We provide our customers' access to our Card Management System through a Web based portal to allow

them to interface with our Central Issuing System. We also provide in-house card issuing and management

capability to customer that prefer to manage their issuing and Card production, but connect to us for card hosting

and authorization services.

G-Switch processes all cards issued and hosted on behalf of our hosted institutions. We also process all cards for

members of the G-Switch Network, Private Label Cards and cards supported by China Union Pay.

G-Switch provides card procurement and personalization

services. Card design and anufacture is coordinated

with preferred local and International certified card

suppliers. G-Switch also assist clients that prefer

CARD PROCUREMENT AND PERSONALIZATION

m

to

personalize cards internally, by providing assistance with

card equipment acquisition, installation, interfacing and

support. Our in house personalization bureau offers card

personalization as well as PIN Mailer services.

CARD ISSUING, PROCESSING AND MANAGEMENT

CARD HOSTING AND AUTHORIZATION

ATM ACQUIRING

PoS ACQUIRING

G-Switch hosts and authorizes card transactions for all its hosted and connected institutions. G-Switch provides the

services and configurations associated with the physical production of plastic cards, including anonymous

temporary cards as well as embossed individualised, permanent cards.

G-Switch offers ATM driving, management, and monitoring solutions for a wide variety of terminals. G-Switch ATM

processing, supports directly driven ATMs, as well as advanced-functions ATMs. G-Switch supports most

international ATM Brands.

G-Switch PoS processing offers EMV compliant

PoS devices which are configured to support

most international card brands. G-Switch can

also drive PoS devices for member institutions

on the G-Switch network.

CHINA UNION PAY GLOBAL PARTNER

China Union Pay (CUP) is the only Bankcard association in China. It

is a shareholding financial service institution invested by over 80

domestic financial institutions with the approval of the State

Council and the People's Bank of China. Established in March

2002 and headquartered in Shanghai, CUP has a registered capital

of RMB 1.65 billion and employs over 3000 people. Clydestone –

G-Switch signed a global partnership agreement with CUP in 2009

to expand the acceptance of CUP cards globally, particularly in

Africa. Connectivity to CUP by G-Switch is through their

international front-end processing system in Hong Kong. G-

Switch has completed and certified to CUP and has connected to

local Banks in Ghana.

Clydestone can also engage banks interested in issuing Union Pay

cards.

Verve Nigeria is a Bankcard Association licensed by the Central

Bank of Nigeria (CBN) and processing its transactions through

Interswitch's super switch. G-Switch signed an agreement with

Verve Nigeria in 2012 to enable Verve cardholders to use their

cards in Ghana on G-Switch members connected devices.

VERVE NIGERIA ACQUIRING PARTNER

G-SECURE AUTHENTICATION PLATFORM FOR ISSUERS,

ACQUIRERS, MERCHANTS AND MOBILE WALLET

G-secure connects Internet Merchants to a secure Hosted Checkout

page at the point of purchase to enable all the functions and features that

are traditionally available on a Payment Gateway. It enables merchants to

accept a variety of online payment brands:

* Visa

* MasterCard

* American Express

* Diners

* JCB

* China Union Pay (CUP)

The Platform can support most payment brands provided by a processor;

so G-secure can enable the brands available to the bank's Merchant

Customers today. Authorization, Authentication, Settlement and

Reporting can all be enabled for Clydestone's Bank Clients and their

Merchant Customers.

G-SECURE AUTHENTICATION PLATFORM FOR ISSUERS,

ACQUIRERS, MERCHANTS AND MOBILE WALLET

Clydestone has partnered with Cardinal Commerce Corporation the global

leader in enabling authenticated payments, secure transactions and

alternative payment brands for both eCommerce and mobile commerce, to

offer the G-secure Authentication Platform.

The G-secure Authentication Platform was designed to support the card

association's 3D-Secure authentication programmes: Verified by Visa and

MasterCard SecureCode. The Platform also supports JB/Secure and will

include the American Express SafeKey 3D-Secure payment and the

Discover/Diners 3D-Secure brand by 2012. By selecting the G-secure

Authentication Platform, a bank can, in a short period of time, provide the

3D-Secure programmes to its customers.

The Platform service is available for credit, debit, prepaid/stored value, and

eligible commercial cards. G-secure is built to support customized screens

that a bank's customers see, making it easy to adapt the programme properly for the differed card type and/or regions. The

Platform is also designed to apply the correct level of authentication for different card programmes and region, based on

multiple factors. G-secure is intended to provide a highly customized Platform that will 'look and feel like a bank's own website.

The proper presentation of the service to a bank's customer makes a significant difference in how they will adopt and then use

this new service. Strong adoption by the bank's customers is step 1 in effective fraud prevention. Our ability to uniquely

customize each Platform for each bank is the key to making this a successful service for a bank’s clients and their customers.

The Platform includes a “Cardholder Self-Service Module”. Once a cardholder has registered his or her card for Verified by Visa

or MasterCard Secure Code, he or she can log in and update their own credentials or Personal Message. Often customers

prefer the self-service option (versus contacting the Call Centre) to manage their own credentials once they have signed up for

Verified by Visa or Mastercard SecureCode.

G-secure enables a bank to quickly launch a full scale eCommerce solution for their Merchant Customers who would like to sell

their goods and services over the Internet.

G-secure

The G-secure Platform enables a variety of mobile services, broadly grouped into three categories:

1) Mobile Banking

2) Mobile Bill presentment and Payment

3) Mobile Merchandising and Mobile Commerce

Leveraging the G-secure Mobile App functions and features built into our Mobile Banking App, customers could add

different options to its Wallet such as store locator service, special offers, mobile coupons and vouchers, the ability to check

card balances and other customer value-added services.

G-SECURE MOBILE BANKING G-SECURE MOBILE BANKING

SERVICE DELIVERY: SMS AND APPLICATION

THE G-SECURE MOBILE WALLET

The mobile service can be provided to the end customer using either SMS or an application that is downloaded to the

customer's phone. Some customers will have phones that only support simple SMS messaging; other customers will have

phones that support data services, but still may prefer a mix of SMS and/or application options for their mobile service.

The G-secure Mobile Wallet (the Wallet) is designed to support secure transactions for payment brands and cards,

processors, banks, merchants and their customers, leveraging the convenience of the mobile channel. The Wallet is built

on reliable, eCommerce transaction processing philosophy that can be rendered to operate on any smartphone that is

capable of downloading and launching an application.

When a bank customer signs for the Mobile Wallet, the information provided, as defined by a bank, will be stored in the

MAX data vault. This information can include a funding source(s), billing/shipping address, username/password, mobile

number and an email address. Whenever a customer uses his mobile wallet to make purchases he will only need to

authenticate using a password, and choose his funding source stored in the Data Vault. The customer will not need to re-

enter credit card information or a billing/shipping address. The Data Vault receives, translates and assembles the

information, to produce communication in the appropriate format, whether it is intended for bank to request information, or

for the customer's mobile phone to provide information. No information collected by the Data Vault is shared or viewable by

the merchant, and MAX communications performed in the background are transparent to the customer.

The G-Secure Wallet and Cardinal MAX Data Vault:

G- usec re

PAYPOINT BILL COLLECTION SERVICES

Clydestone's subsidiary Remittance Processing (Ghana) Limited offers the Paypoint bill payment service in Ghana.

Under its agreement with Multichoice Ghana, Paypoint appoints banks to collect DSTv subscriptions .

1. Access Bank

2. Fidelity Bank

3. Unibank

4. HFC Bank

5. Agricultural Development Bank

6. Merchant Bank

The following Banks offer the service: