MShift Mobile Banking

“Quality is not an act. It is a habit.” Aristotle: 384BC – 322BC

                      

About MShift MShift Company Snapshot Industry Reviews MShift Clients MShift Technology & Security Mobile Banking Options

o MShift Mobile Banking Basic Solutiono MShift Mobile Banking Premium Solutiono MShift Mobile Banking Business Solution

MShift Support & Online Tools Mobile Banking Project Timeline Implementation Overview Summary of the MShift Advantage

Contents

Company SnapshotCompany Snapshot

Founded September 1999

Investors Mobile Telecommunications International (MTI) Grand Pacific Financing (Koos Group)

Headquarters San Jose, California

http://www.celent.com/PressReleases/20071002/MobileBankTechDistribution.htm

Celent Mobile Banking Report

Celent examines the three major mobile banking technologies (client applications, mobile browsers, and SMS/text messaging) and the Vendors vying for leadership.

"Of the vendors that offer mobile browser solutions today, MShift has the right combination of extensive bank experience and short implementation times, making it one of the most attractive players in the space."

Red Gillen, senior analyst at Celent

“Although many U.S. banks launched wireless offerings, none offers more mobile services than Patelco.”* Patelco Mobile Banking, powered by MShift, came out on top when compared to all of the big US banks’ mobile banking services, including Bank of America, Citibank, and Wells Fargo among others by mBizCentral.

PC Magazine rated MShift’s Wireless Platform 4 out of 5 in the first in depth review of wireless development tools in the US – the highest awarded scores.

MShift was designated MobileComputing Editor’s Pick at Comdex

33rdrd Party / Industry Review Party / Industry Review

*Reference: http://www.mbizcentral.com/m-business_story/archive/march-2001/04_patelco

Categories:-Supported devices-Supported carriers-Bill payment-Bill presentation-Transfers b/w accts-Intra-bank transfers-Balance info-Credit info & balances-Transaction histories-Order checks

Banks:-Bank of America-Citibank (New York)-Claritybank-First Technology-Harris Bank-Patelco-USE-Wells Fargo

MShift has a growing number of customers in the US. A majority of our US Customer base is in the Financial Industry, where we continue to build a solid reputation for our service and solutions. For More Information on our US Clients, please visit our website at: http://www.mshift.com/mshift/clients_us.htm

Patelco has been a satisfied MShift client for over 6 years

MShift Clients - USMShift Clients - US

Visions Federal Credit Union

Digital Federal Credit Union

iWapi / Colorado DOT

Alliance Credit Union

Metro Credit Union

Allegacy Federal Credit Union

METRO 1 Credit Union

First City Credit Union

Mazuma Credit Union

First Republic Bank

Central Progressive Bank

Salem Five Bank

Vantus Bank

Golden 1 Credit Union

Mountain America Credit Union

Illinois National Bank

Bank-Fund Staff Federal Credit Union

VyStar Credit Union

Amplify Federal Credit Union

SAFE Credit Union

TruMark Financial Credit Union

Spokane Teachers Credit Union

Owen Community Bank

Alaska USA Federal Credit Union

Bank of Hawaii

Premier America Credit Union

Xerox Federal Credit Union

Patelco Credit Union

Flagstar Bank

SunWest Federal Credit Union

Heritage Community Credit Union

Community Educators Credit Union

Treasury Department Federal Credit Union

State Employees Federal Credit Union

National Institute of Health Federal Credit Union

KeyPoint Credit Union

Technology Credit Union

Cardinal Bank

                          

                        For More Information on our Japanese Clients, please visit our website at: http://www.mshift.com/mshift/clients_japan.htm

              

MShift, with over 50 Japanese Customers, is successfully handling large-scale deployments in the most advanced wireless market in the world. Below are a few of our Japanese Customers & Partners:

MTI, the largest wireless content provider in the world (see Forbes Magazine article, "Upwardly mobile", Feb. 7, 2000) is both a MShift Customer and Partner, as well as the primary investor in MShift. MTI is successfully reselling MShift Solutions in Japan.

KDDI and DDI Pocket are both mobile carriers in Japan. With over 12 million wireless Internet service subscribers, KDDI has the largest number of WAP subscribers in the world. KDDI uses the MoblieShift® Engine to convert hundreds of unofficial iMode (cHTML) sites to WAP (HDML) sites on a daily basis. DDI pocket, with its own proprietary wireless protocol, was the first mobile carrier in Japan.

MShift Customers – Japan (1)MShift Customers – Japan (1)

Some of our other customers in Japan, include Panasonic, Honda, Clinique (Estee Lauder), QVC, Suruga Bank and Tokyo-Mitsubishi Bank. These customers all selected an MShift Solution because of our ability to support the majority of devices and standards available on the Japanese Market.

For More Information on our Japanese Clients, please visit our website at: http://www.mshift.com/mshift/clients_japan.htm

MShift Customers – Japan (2)MShift Customers – Japan (2)

*For a list of more Customers in Japan, see Appendix A

Tokyo-Mitsubishi Cash One, Ltd

             

                   

       

Back End

Runtime MobileShift® Engine

OFX ServersHTTP/HTTPS ServersODBC/JDBC Servers Proprietary Systems

PhonesPagersPalm

Pocket PCBlackBerryOther PDAs

- IP Protocols support - Protocol-layer Security

Mid-Section

- Multi Format conversion- End-user applications

Front End

- Auto-device detection- International language support

MobileShiftMobileShift®® Engine Architecture Overview Engine Architecture Overview

Real-time and on-the-fly delivery of wireless content and applications

Auto-Device Detection Highly modular architecture Voice XML Support Messaging Interface International Language Support Ability to pull information from a

wide range of data sources Mobile-to-Mobile Conversion Automatic Image Conversion Auto Conversion iMode Support High Security & Data Integrity

MobileShiftMobileShift®® Architecture Architecture

Back end Session ManagementData pass-thru, with no caching of sensitive infoLeverages existing security infrastructureConfigurable Access Control Parameters

End-to-end security SSL/TLS/WTLS support Digital certificates Well proven in the field Wireless Session Management Device Authentication Anti-Spoof Features

*Features unique only to MobileShift ACStar

Access control Dual URL Encryption* Dual session control* Time-expiration for links* Retrace-disable feature*

MShift Security FeaturesMShift Security Features

MShift Mobile Banking MFA Tie in seamlessly to your existing MFA and extend it for the Mobile environment

Latching on multiple layers of security appropriate for mobile devices

Most MFA schemes fall under several operational categories

Challenge Questions

Emailed Pass codes

Watermark/Images (User authenticates server)

Anti-keystroke logger images

Mouse-in pads vs. keypads

With 'known-entity' recognition done by:   persistent cookies MFA based on parameters as IP address, browser type and propertiesMShift's Mobile MFA extensions recognize and work with all above schemes, and adapt all these schemes for the Mobile environment.

MShift Mobile Banking Multifactor – Extends ExistingMShift Mobile Banking Multifactor – Extends Existing

MShift Mobile Banking Basic Solution

Account Balances (all accounts)

Account Transaction History

Account Transfers (all linked accounts)

Bill Payment

Schedule New Payments

View & Cancel Pending Payments

View Payment History

View & Pay Due e-Bills

MShift Mobile Banking Package – 1MShift Mobile Banking Package – 1

MShift Mobile Banking Package - 2MShift Mobile Banking Package - 2

MShift Mobile Banking Premium Account Balances (all accounts)

Account Transaction History

Account Transfers (all linked accounts)

Bill Payment

Schedule New Payments

View & Cancel Pending Payments, Payment history, Pay Due e Bills

Mobile Web Site - Feature Rich

Rates

ATM and Branch Locators

About Us, Contact Us, Promotional Information

Optional Features – view cleared checks, stop payment,

Text-Messaging Banking - SMS Services

Account Balances / Summary

Recent account transactions

MShift Mobile Banking Package - 3MShift Mobile Banking Package - 3

MShift Mobile Banking Business Account Balances (all accounts) Transaction History Account Transfers (all linked accounts)

Bill Payment

Schedule New Payments

View & Cancel Pending Payments, Payment history, Pay Due e Bills

Mobile Web Site – Feature Rich

Rates, ATM and Branch Locators About Us, Contact Us, Promotional Information

Optional Features – view cleared checks, stop payment,

Business Banking Mobile Options – think ‘CEO On the Go’

Payments (not including file upload/downloads

ACH Wire Transfer

Positive Pay Lockbox Investments

Stops Notifications Receivables

Self Branding FeaturesSelf Branding Features

Financial Institution can choose any available URL for Mobile Banking site, such as mobile.FI Name.com

Mobile Banking Homepage features Financial Institutions Logo and Name

Individual SSL Certificates are an available option that provide a fully Branded browsing experience for your Mobile Banking Site

Key Branding Features Include:

MShift Support & Online ToolsMShift Support & Online Tools

MShift’s Hallmark is Excellent Customer Service

Direct Support via Phone and/or Email, to FI and FI’s customers as needed

MShift Project Manager MPM – Online Support Tool

24/7 Online Tool for Support and Project Requests

Submit and Track Status of Support and Project Requests

View History and Progress of current and past Support and Project Requests

MShift Administrative Reporting Tool - MART – Online

View Wireless Banking Usage in Real-time

View Selected Usage Statistics by desired Timeframe

Download Monthly Reports available by the 5th of every month

Mobile Banking Project Timeline OverviewMobile Banking Project Timeline Overview

Steps Involved Duration

1. Sign Contract (MShift & Client) Variable

2. Set Up Test Account (Client) Variable

3. Develop Mobile Banking Solution (MShift) 5 -10 days

4. QA Test Mobile Banking Solution (MShift) 2-3 days

5. Pilot Test Mobile Banking Solution (Client) Variable

6. Finalize Mobile Banking Solution (MShift) 2-3 days

7. Set Up DNS for Wireless URL 1 day

8. Launch Mobile Banking Service 1 day

Duration from Contract Execution to Launch 3-4 Weeks

Summary of MShift AdvantagesSummary of MShift Advantages

1. Secure Mobile Solution

2. Top Quality Industry Standard Security

3. Proven Reliability, Robustness & Scalability

4. Highly Customizable Solutions

5. Wide Range of Available Features

6. Excellent Client Service & Support

7. Fast Time to Market

8. Mobile Device / Wireless Network Independent

9. Excellent References

MShift Contact InfoMShift Contact Info

MShift Corporate Office

MShift, Inc.2033 Gateway PlaceSuite 600San Jose, CA 95110

Tel. (408) 437-2740Fax. (408) 437-2741info@mshift.com

http://www.mshift.com