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LEVEL:CONFIDENTIAL

1LINK MONTHLY STATISTICS

OCTOBER -2013

Confidential & Unpublished Document


For official and 1LINK authorized institution use Only

All Rights Reserved - Copyrights 2008-13


1LINK (Guarantee) Limited

INDEX

1LINK Statistics Summary .................................................................................................................................................................................................. 3


1.0.

Financial Shared ATM Transactions ..................................................................................................................................................................... 4

1.1.

Intra Switch Transactions.................................................................................................................................................................................. 4

1.2.

Inter Switch Transactions.................................................................................................................................................................................. 5

1.2.1.
1.2.2.
1.3.

1LINK on MNET .......................................................................................................................................................................................... 5


MNET on 1LINK .......................................................................................................................................................................................... 5

Switch withdrawals transactions limit analysis ............................................................................................................................................... 6

1.3.1.
1.3.2.
1.3.3.
1.4.

1LINK on 1LINK .......................................................................................................................................................................................... 6


1LINK on MNET .......................................................................................................................................................................................... 6
MNET on 1LINK .......................................................................................................................................................................................... 6

Top 10 Statistics ................................................................................................................................................................................................ 7

1.4.1Top 10 Issuer 1LINK on 1LINK ............................................................................................................................................................................. 7


1.4.2. Top 10 Acquirer 1LINK on 1LINK ........................................................................................................................................................................ 7
1.4.3 Top 10 Acquirer MNET on 1LINK ......................................................................................................................................................................... 8
1.4.4 Top 10 Local ATM - Withdrawal Transaction ........................................................................................................................................................ 9
1.4.5 Top 10 Local ATM - Withdrawal Amount ............................................................................................................................................................ 9
1.5.

Inter Bank Funds Transfer (IBFT) ........................................................................................................................................................................ 10

1.6.

Summary .......................................................................................................................................................................................................... 10

1.6.1.
1.6.2.

Transaction Amount .................................................................................................................................................................................. 10


Number of Transactions ............................................................................................................................................................................ 10

1.7

IBFT Limit Analysis .......................................................................................................................................................................................... 11

1.8

IBFT Payments ................................................................................................................................................................................................. 11

1.8.1

Credit Card Bill Payments.............................................................................................................................................................................. 11

3.0. VISA Transactions ...................................................................................................................................................................................................... 12


3.1.

Visa Local Transactions on POS .................................................................................................................................................................... 12

3.1.1.

Top 10 Merchant Category (Local Transactions) ....................................................................................................................................... 12

3.2. *Visa International- Bank Wise Transactions ....................................................................................................................................................... 13


3.2.1.
3.2.2.

Top 10 International Countries .................................................................................................................................................................. 13


Top 10 Merchant Wise (International Transactions) .................................................................................................................................. 14

3.3. VISA SMS Acquiring Service ................................................................................................................................................................................ 14


3.3.1 Top Issuers ........................................................................................................................................................................................................ 14
4.0. UNIONPAY .................................................................................................................................................................................................................. 15
4.1. UnionPay Transactions.......................................................................................................................................................................................... 15
5.0. Utility Bill Payment Service (UBPS)........................................................................................................................................................................... 16
5.1. UBPS Banks Position ............................................................................................................................................................................................ 16
5.2. UBPS Transactions ................................................................................................................................................................................................ 17
6.0. Non Financial Shared ATM Transactions .................................................................................................................................................................. 21
6.1.

Intra Switch Transactions................................................................................................................................................................................ 21

6.1

Inter Switch Transactions................................................................................................................................................................................ 22

6.1.1.
6.1.2.

1LINK on MNET
.......................................................................................................................................................... 22
MNET on 1LINK ........................................................................................................................................................................................ 22

7.0. Market overview.......................................................................................................................................................................................................... 23


7.1. 1LINK Products & Non-Financial Transactions .................................................................................................................................................... 23
7.2. 1LINK Trend Analysis ............................................................................................................................................................................................ 24

Confidential
1LINK (Guarantee) Limited

October 2013
Page 2 of 25

MIS Department

1LINK STATISTICS SUMMARY

1LINK
MNET
Financial Transactions
1LINK on 1LINK
1LINK on MNET
Mnet on 1LINK
IBFT
VISA Local (on POS)
VISA International
SMS Transactions
Orix Transactions (on POS)
UBPS Transactions
Total

Member Banks
32
4
Number of
Transactions
5,976,278
615,208
776,294
597,126
368,524
41,047
11,462
944
627,362

Number of ATMs
5,623
700+

9,014,245

95,813,701,050

Non Financial Transactions


1LINK on 1LINK
1LINK on MNET
MNET on 1LINK
Total

1,973,574
248,300
139,280
2,361,154

Grand Total

Amount (PKR)
51,023,095,934
5,181,864,100
6,317,887,096
30,152,959,301
1,325,738,608
531,534,119
139,126,500
4,031,894
1,137,463,498

11,375,399

95,813,701,050

The average dollar rate for VISA International is Rs. 105.44.

Confidential
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October 2013
Page 3 of 25

MIS Department

1.0.

FINANCIAL SHARED ATM TRANSACTIONS


1.1.

Intra Switch Transactions

1,000,000

800,000

600,000
Acquiring
Issuing

400,000

200,000

Legends
ABL
ASK
APN
BAL
BAR
BAF
BAH
SIN
BUR

Allied Bank Limited


Askari Bank Limited
Apna Microfinance Bank
Bank Al Baraka
Barclays Bank
Bank Al Falah
Bank Al Ha2bib
Sindh Bank
Burj Bank

BIP
BOK
BOP
CIT
DUB
FBL
HBL
OIB

Bank Islami Pakistan


Bank of Khyber
Bank of Punjab
Citibank NA
Dubai Islamic Bank
Faysal Bank Limited
Habib Bank Limited
Oman International

HMB
JSB
KAS
KSF
MBL
NBP
NIB

Habib Metropolitan Bank


JS Bank Limited
KASB Bank Limited
Kashf Micro Finance Bank
Meezan Bank Limited
National Bank of Pakistan
NIB Bank

SAM
SCB
SLK
SON
SUM
TAM
UBL

Samba Bank
Standard Chartered Bank
Silk Bank Limited
Soneri Bank Limited
Summit Bank
Tameer Micro Finance Bank
United Bank Limited

Note: These are only Withdrawal plus Processed OK transactions

Confidential
1LINK (Guarantee) Limited

October 2013
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MIS Department

1.2.

Inter Switch Transactions


1.2.1. 1LINK on MNET
UBL
TAM
SUM
SON
SLK
SIN
SCB
SAM
NIB
NBP
MBL
KSF
KAS
JSB
HMB
HBL
FSB
DUB
CIT
BUR2
BUR
BOK
BIP
BAR
BAL
BAH
BAF
ASK
APN
ABL

1.2.2. MNET on 1LINK

MCB

Issuer
Banks
HSB

Acquirer
Banks

FWB

50,000

100,000

150,000

500,000

1,000,000

Note: These are only Withdrawal plus Processed OK transactions

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1LINK (Guarantee) Limited

October 2013
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MIS Department

1.3.

Switch withdrawals transactions limit analysis

1.3.1. 1LINK on 1LINK


Range

Transactions

More than Rs.20,000

3,020,034
1,336,604
1,517,425
102,215

Total Number of Transactions

5,976,278

Less than and equals to Rs.5,000


More than Rs.5,000 but less than and equals to Rs.10,000
More than Rs.10,000 but less than and equals to Rs.20,000

Amount in PKR

50.53%

8,316,940,458 16.30%

22.37%

12,460,228,544 24.42%

25.39%

27,687,405,395 54.26%

1.71%

2,558,521,537 5.01%
51,023,095,934

1.3.2. 1LINK on MNET


Range

Transactions

More than Rs.20,000

312,303
119,351
183,538
16

Total Number of Transactions

615,208

Less than and equals to Rs.5,000


More than Rs.5,000 but less than and equals to Rs.10,000
More than Rs.10,000 but less than and equals to Rs.20,000

Amount in PKR

50.76%

818,675,600 15.80%

19.40%

1,066,680,500 20.58%

29.83%

3,296,108,000 63.61%

0.00%

400,000 0.01%
5,181,864,100

1.3.3. MNET on 1LINK


Range

Transactions

More than Rs.20,000

401,869
201,491
156,622
16,312

Total Number of Transactions

776,294

Less than and equals to Rs.5,000


More than Rs.5,000 but less than and equals to Rs.10,000
More than Rs.10,000 but less than and equals to Rs.20,000

Confidential
1LINK (Guarantee) Limited

%
51.77%
25.96%
20.18%
2.10%

Amount in PKR

1,137,517,726
1,912,534,450
2,861,640,920
406,194,000

%
18.00%
30.27%
45.29%
6.43%

6,317,887,096

September 2013
Page 6 of 25

MIS Department

1.4.

Top 10 Statistics

1.4.1Top 10 Issuer 1LINK on 1LINK


Member Bank

Number Of Transactions

HBL

1,012,933

UBL

727,673

NBP

671,288

SCB

527,904

ABL

423,754

BAH

367,094

BAF

340,897

ASK

333,134

MBL

246,027

FSB

202,210

1.4.2. Top 10 Acquirer 1LINK on 1LINK


Member Bank

Number Of Transactions

ABL

920,387

BAH

664,277

HBL

663,927

UBL

599,454

BAF

517,334

SON

327,221

MBL

324,834

FSB

306,907

ASK

228,755

SUM

209,232

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1.4.3 Top 10 Acquirer MNET on 1LINK


Member Bank

Legends
ABL
ASK
BAL
BAR
BAF
BAH
SIN
BUR

Number Of Transactions

ABL

124,412

HBL

100,097

UBL

87,258

BAH

82,615

BAF

65,138

SON

45,398

MBL

38,029

FSB

35,581

ASK

26,138

SUM

25,093

Allied Bank Limited


Askari Bank Limited
Bank Al Baraka
Barclays Bank
Bank Al Falah
Bank Al Habib
Sindh Bank
Burj Bank

BIP
BOK
BOP
CIT
DUB
FSB
HBL

Bank Islami Pakistan


Bank of Khyber
Bank of Punjab
Citibank NA
Dubai Islamic Bank
Faysal Bank Limited
Habib Bank Limited

HMB
JSB
KAS
KSF
MBL
NBP
NIB

Habib Metropolitan Bank


JS Bank Limited
KASB Bank Limited
Kashf Micro Finance Bank
Meezan Bank Limited
National Bank of Pakistan
NIB Bank

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SAM
SCB
SLK
SON
SUM
TAM
UBL

Samba Bank
Standard Chartered Bank
Silk Bank Limited
Soneri Bank Limited
Summit Bank
Tameer Micro Finance Bank
United Bank Limited

1.4.4 Top 10 Local ATM - Withdrawal Transaction


Member Bank
ABL
ABL
SON
ABL
BOP
ABL
FSB
SON
BAF
ABL

Position

Number Of Transaction

1st Place

8,048

2nd Place

7,060

3rd Place

7,040

4th Place

6,725

5th Place

6,595

6th Place

6,348

7th Place

6,173

8th Place

6,085

9th Place

6,083

10th Place

6,068

1.4.5 Top 10 Local ATM - Withdrawal Amount


Member Bank
ABL
SON
ABL
BOP
ABL
SON
BAH
ABL
SON
ABL

Position

Amount

1st Place

69,853,000

2nd Place

63,451,500

3rd Place

61,280,500

4th Place

60,312,500

5th Place

59,666,000

6th Place

58,692,000

7th Place

57,620,500

8th Place

56,068,500

9th Place

54,854,000

10th Place

54,464,500

Confidential
1LINK (Guarantee) Limited

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1.5.

INTER BANK FUNDS TRANSFER (IBFT)


1.6.

Summary
ATM

Transactions
Volume

367,589
19,252,539,538

Mobile
29,575
1,454,884,435

Call Center
3992
215,210,710

1.6.1. Transaction Amount

1.6.2. Number of Transactions

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1LINK (Guarantee) Limited

Page 10 of 25

Internet
195,970
8,957,324,618

Total
597,126
30,152,959,301

1.7

IBFT Limit Analysis

Range

Transactions

Amount in PKR

Less than and equals to Rs.50,000

417,743 69.96%

8,565,494,297

28.41%

More than Rs.50,000 but less than and equals to Rs.100,000

124,026 20.77%

10,756,661,633

35.67%
9.08%

More than Rs.100,000 but less than and equals to Rs.150,000

20,531

3.44%

2,738,361,927

More than Rs.150,000 but less than and equals to Rs.200,000

14,859

2.49%

2,822,613,726

9.36%

More than Rs.200,000 but less than and equals to Rs.250,000

18,004

3.02%

4,404,344,323

14.61%

1,963

0.33%

865,483,395

2.87%

More than Rs.250,000

597,126

Total Number of Transactions

1.8

IBFT Payments

1.8.1 Credit Card Bill Payments


Bank
HBL

Transactions

Amount
96

1,541,958

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1LINK (Guarantee) Limited

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30,152,959,301

3.0. VISA TRANSACTIONS


3.1.

Visa Local Transactions on POS

250,000
200,000
150,000
Acquirer POS

100,000
50,000
0
BAF

HBL

MCB

UBL

Others

500

431

400
300

221
154

200

101

Issuer Banks

152
85

77

100

20

19

14

66

52

65

0
ABL

ASK

BAH

BIP

DUB

FSB

JSB

KAS MBL

SLK

SON SUM UBL

3.1.1. Top 10 Merchant Category (Local Transactions)


S No
1
2
3
4
5
6
7
8
9
10

Merchants

Transactions
86,836
48,892
30,389
28,706
28,171
19,216
15,375
13,862
9,193
8,885

Service Stations
Groceries Stores, Supermarkets
Department Stores
Family Clothing Stores
Eating Places, Restaurants
Fast Food Restaurants
Shoe Stores
Drug Stores & Pharmacies
Bakeries
Mens & Boys Clothings Stores

Amount
120,576,285
198,562,622
108,915,986
153,026,075
59,491,707
22,082,892
48,000,024
35,118,869
8,081,660
46,091,965

Legends
ABL
ASK
BAH
BAF
BIP

Allied Bank Limited


Askari Bank Limited
Bank Al Habib
Bank AlFalah
BankIslami

BOP
CIT
DUB
HBL
FSB

Bank of Punjab
Citi Bank
Dubai Islamic Bank Limited
Habib Bank Limited
Faysal Bank Limited

KAS
MBL
MCB
SCB
SLK

KASB Bank Limited


Meezan Bank
Muslim Commercial Bank
Standard Chartered Bank
Silk Bank Limited

* Note: These are Processed OK transactions including online transactions as other

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1LINK (Guarantee) Limited

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SON
SUM
UBL

Soneri Bank Limited


Summit Bank
United Bank Limited

3.2. *Visa International- Bank Wise Transactions


UBL
SUM
SON
SLK
MBL
KAS
JSB

Total Transactions

FSB

Process OK

DUB
BIP
BAH
ASK
ABL
0

20,000

40,000

3.2.1. Top 10 International Countries

Country

Transactions

United States

38,069

United Kingdom

13,457

Saudi Arabia

9,598

China

9,134

United Arab Emirates

9,082

European Union

5,677

Malaysia

2,987

Thailand

2,005

Canada

1,433

Kyrgyzstan

1,219

* Note: These are Processed OK transactions including online transactions,


*Others include those countries where less than 10 transactions were conducted.

Confidential
1LINK (Guarantee) Limited

September 2013
Page 13 of 25

MIS Department

3.2.2. Top 10 Merchant Wise (International Transactions)


S No
1
2
3
4
5
6
7
8
9
10

Merchants

Transactions

Amount

Civic, Social, Fraternal Associations

3,251

881,836

Groceries Stores, Supermarkets

1,270

69,740

Eating Places, Restaurants

810

31,407

Electronic Stores

587

2,194

Department Stores

559

87,578

Computer Network Services

558

23,174

Hotels, Motels, & Resorts

550

138,640

Professional Services

537

48,859

Fast Food Restaurants

506

11,698

Family Clothing Stores

459

57,275

3.3. VISA SMS Acquiring Service


UBL
Withdrawals

Balance Inquiries

Grand Total

Processed Ok

10,362

1,100

11,462

Total Number of Transactions

16,997

16,997

Success Percentage

60.96%

0.00%

67.44%

Amount PKR

139,126,500

139,126,500

3.3.1 Top Issuers


Bank
Koera Exchange
Firstrand Bank Limited
ABSA Group Limited
AL RAJHI BANKING AND INVESTMENT CORP.
NATIONAL BANK OF DUBAI PUBLIC JOINT STOCK COMPANY

Card Type
Debit
Debit
Debit
Debit
Debit

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City
Seoul
Johannesburg
Johannesburg
Jeddah
Dubai

Country
South Korea
South Africa
South Africa
SAUDI ARABIA
UAE

4.0. UNIONPAY
4.1. UnionPay Transactions

HBL
Processed Ok
Total Number of Transactions
Success Percentage
Amount PKR

SUM

Withdrawals Balance Inquiries Withdrawals Balance Inquiries Grand Total


253
61
83
15
412

298
84.90%
4,561,500

68
89.71%

Confidential
1LINK (Guarantee) Limited

Page 15 of 25

93
89.25%
1,186,500

21
71.43%

480
85.83%
5,748,000

5.0. UTILITY BILL PAYMENT SERVICE (UBPS)


5.1. UBPS Banks Position
Member Bank

Position

Transactions

1st Place

UBL

240,512

2nd Place

ASK

115,521

3rd Place

HBL

93,163

4th Place

SCB

79,898

5th Place

ABL

26,977

6th Place

BAH

25,494

7th Place

SON

14,231

8th Place

FSB

13,067

9th Place

BAF

8,419

10th Place

SUM

5,493

11th Place

JSB

2,085

12th Place

SLK

1,917

13th Place

SAM

397

14th Place

BUR

92

15th Place

BAL

49

16th Place

BAR

47

Legends
ABL
ASK
SUM
BAF
BAH
JSB

Allied Bank
Askari Bank
Summit Bank
Bank Al Falah
Bank Al Habib
JS Bank

BAL
FBL
HBL
BUR
CIT

Al Baraka Bank
Faysal Bank
Habib Bank Limited
Burj Bank
Citi Bank

SAM
SCB
SON
UBL
SLK

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Samba Bank
Standard Chartered Bank Pakistan Limited
Soneri Bank Limited
United Bank Limited
SILK Bank

5.2. UBPS Transactions


Sui- Gas

Banks
ABL
ASK
BAF
BAH
BAL
BAR
BUR
FSB
HBL
JSB
SAM
SCB
SLK
SON
SUM
UBL
Total

Electricity

SSGC

SNGPL

LESCO

KESC

HESCO

814
17,810
122
2,948
8
6
25
335
0
96
33
3,771
70
785
382
97
27,302

2,300
40,914
466
846
10
5
8
499
34,635
40
22
3,363
84
552
374
199
84,317

2,750
18,580
813
1,240
17
10
23
906
20,871
45
38
3,971
190
917
268
238,884
289,523

915
9,016
223
3,857
14
10
36
559
5,707
129
65
5,839
151
839
567
153
28,080

0
2,906
5
0
0
0
0
0
0
0
0
23
0
109
0
0
3,043

Telco's
Banks

Post Pay

Pre Pay

UFONE

ABL
ASK
BAF
BAH
BAL
BAR
BUR
FSB
HBL
JSB
SAM
SCB
SLK
SON
SUM
UBL
Total

1,538
961
392
1,173
0
3
0
839
2,785
125
28
6,267
133
761
244
118
15,367

Post Pay

Pre Pay

WARID

8,662
5,526
1,853
4,945
0
0
0
3,076
19,517
659
100
27,285
353
5,977
1,045
279
79,277

3,017
2,018
1,865
2,429
0
1
0
2,047
2,814
233
40
10,249
276
766
653
589
26,997

Post Pay

Pre Pay

Post Pay

Telenor

3,929
3,017
1,406
2,431
0
0
0
1,823
3,827
365
11
10,932
286
1,099
735
128
29,989

795
495
267
553
0
0
0
343
661
60
5
2,185
65
189
147
0
5,765

2,089
1,301
474
1,290
0
0
0
677
2,346
160
26
5,242
106
730
247
0
14,688

Pre Pay

Zong

0
89
71
80
0
0
0
53
0
0
0
8
4
44
17
0
366

Vfone

0
537
362
742
0
0
0
41
0
0
0
33
78
436
200
0
2,429

0
62
100
64
0
0
0
44
0
0
0
110
0
15
0
0
395

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Defaulter

Wateen

Page 17 of 25

Evo Post Pay

Evo Pre Pay

Land Line

0
517
0
0
0
0
0
181
0
0
1
10
4
110
23
2
848

168
10,299
0
2,652
0
9
0
730
0
173
25
410
103
575
0
46
15,190

PTCL

0
37
0
0
0
0
0
33
0
0
0
1
0
32
100
0
203

0
25
0
0
0
0
0
26
0
0
0
2
0
0
18
3
74

0
629
0
0
0
0
0
599
0
0
3
43
14
218
444
14
1,964

Wi-Tribe

0
782
0
244
0
3
0
256
0
0
0
154
0
77
29
0
1,545

30,000

Ufone

25,000

20,000

Post- pay

15,000

Pre-pay

10,000

5,000

0
ABL ASK BAF BAH BAL BAR BUR FSB HBL JSB SAM SCB SLK SON SUM UBL

Warid
12,000
10,000
8,000
Post-pay

6,000

Pre-pay

4,000
2,000
0
ABL ASK BAF BAH BAL BAR BUR FSB HBL JSB SAM SCB SLK SON SUM UBL

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Telenor
6,000
5,000
4,000
Post-pay

3,000

Pre-pay

2,000
1,000
0
ABL ASK BAF BAH BAL BAR BUR FSB HBL JSB SAM SCB SLK SON SUM UBL

Zong
800
700
600
500
400

Post-pay

300

Pre-pay

200
100
0
ABL ASK BAF BAH BAL BAR BUR FSB HBL JSB SAM SCB SLK SON SUM UBL

Confidential
1LINK (Guarantee) Limited

Page 19 of 25

Electricity
300,000
250,000
200,000
LESCO

150,000

KESC

100,000

HESCO

50,000
UBL

SUM

SON

SLK

SCB

SAM

JSB

HBL

FSB

BUR

BAR

BAL

BAH

BAF

ASK

ABL

Sui-Gas
45,000
40,000
35,000
30,000
25,000
SSGC

20,000

SNCPL

15,000
10,000
5,000
0

Confidential
1LINK (Guarantee) Limited

Page 20 of 25

6.0. NON FINANCIAL SHARED ATM TRANSACTIONS


6.1.

Intra Switch Transactions

Confidential
1LINK (Guarantee) Limited

October 2013
Page 21 of 25

MIS Department

6.1 Inter Switch Transactions


6.1.1. 1LINK on MNET
UBL
TAM
SUM
SON
SLK
SIN
SCB
SAM
NIB
NBP
MBL
KSF
KAS
JSB
HMB
HBL
FSB
DUB
CIT
BUR
BOP
BOK
BIP
BAR
BAL
BAH
BAF
ASK
APN
ABL

6.1.2.

Issuer Banks

MNET on 1LINK

UBL
TAM
SUM
SON
SLK
SIN
SCB
SAM
NIB
NBP
MBL
KSF
KAS
JSB
HMB
HBL
FSB
DUB
BUR
BOP
BOK
BIP
BAR
BAL
BAH
BAF
ASK
APN
ABL

Acquirer Banks

50,000 100,000

10,000 20,000 30,000

Note: These are only Withdrawal plus Processed OK transactions

Confidential
1LINK (Guarantee) Limited

October 2013
Page 22 of 25

MIS Department

7.0. MARKET OVERVIEW


7.1. 1LINK Products & Non-Financial Transactions
Following graph shows percentage portion of each 1LINK product, weighted by their number of transactions, including the Non-financial transactions
performed over 1LINK.

Non-Financial
21%

UBPS
5%

VISA
4%

Switch Withdrawal
65%

IBFT
5%

Confidential
1LINK (Guarantee) Limited

October 2013
Page 23 of 25

MIS Department

7.2. 1LINK Trend Analysis


The following graph shows the trend analysis of day by day intra switch processed ok transactions.

600,000

500,000

483,291
468,075
437,459

400,000

300,000

473,761

388,106
374,943

402,411
377,898 371,495 380,399
361,169 363,568

287,071

379,861

371,332
275,344

304,671

200,000

259,783

187,939
171,121
118,353

100,000

252,578239,820
248,402
245,038242,664

282,555279,433

194,254

81,475
96,390

Average

Confidential
1LINK (Guarantee) Limited

October 2013
Page 24 of 25

MIS Department

All rights reserved Copyrights 2008-13. 1LINK (Guarantee) Limited


This is a Confidential & Unpublished Document compiled by 1LINK (Guarantee) Limited for official and
authorized 1LINK institutions use only. The document is proprietary to 1LINK (Guarantee) Limited and
may not be disclosed to any third party or used for any other purpose without the prior written consent of
1LINK (Guarantee) Limited.

Confidential
1LINK (Guarantee) Limited

Page 25 of 25