CR2

1. BankWorld:
Driving a complete suite of
self service channels from
one integrated platform
u ATM
u Internet
u Mobile
u Kiosk
u IVR
u POS Ç
u PDA Channel Banking Innovation
www.cr2.com

2. By 2010 more than 70% of bank customer interaction will be via
the electronic self service channels* Ç
At this level of interaction the self service platform is the bank to the customer.
2000 2005 2010
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* Source: Capgemini interview with 40 banks
BankWorld enables banks to deliver a Self service transactions are significantly BankWorld delivers
complete suite of integrated electronic cheaper than branch transactions : significant return on
channels: ATM, Internet, Kiosk and Mobile channel investment by
from a single powerful self service platform. Channel Cost delivering segmented
products and services
Finally a solution has arrived which gives Traditional Branch $1.07 to customer groups
banks complete control over the products ATM $0.27 via the self service
and services they offer to customers via channels.
Internet Banking $0.10
their channel network.
Mobile $0.10
Kiosk $0.26
Source: BAI
Contents
BankWorld:
CR2’S Self
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Service Banking
Platform
BankWorld - The Facts Product Factory
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• BankWorld allows banks to
maximise revenue by delivering
• BankWorld enables banks to
differentiate themselves from
Customer
Information File
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targeted products and services to their competition by delivering a
segmented customer groups across
all channels
personalised self service banking
experience for each customer with
Multi-factor Fraud
Prevention
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segmented branding based on each
• BankWorld is an integrated solution customer profile, no matter what
channel they use: Internet, ATM,
BankWorld ATM 3
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which enables banks to deliver
timely anti-fraud alerts to customers Mobile or Kiosk
BankWorld ATM 4
Benefits and Tools
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across channels. As well as providing
multi-factor authentication and
one-time passwords
• BankWorld empowers banks to
extend their brand by delivering
BankWorld Internet 6
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consistency across all channels, so BankWorld Mobile u
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that a customer views the same
• BankWorld is a proven solution
integrated to multiple back office ‘’look and feel’’ specific to their
BankWorld Kiosk u
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hosts across multiple regions customer segment profile no matter
what channel they are using
Innovation Driving
Revenue
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POS 9
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External Gateways
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Frequently Asked
Questions
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3. BankWorld:
CR2’s Self Service Banking Platform Ç
In an increasingly competitive environment banks are expanding BankWorld service oriented self service platform which presents a
rapidly in terms of service and presence. This expansion often causes centralised platform with enhanced functionality that can be shared by
great difficulties in integrating numerous back office systems and all connected channels and integrated with multiple back office systems,
channels. Unique to CR2’s innovative solution is the enabling banks to grow quickly and with ease.
BankWorld Integrated Self Service Platform
Product Factory Ç
Distinguishing BankWorld from traditional protocol based
solutions is its unique Product Factory which enables banks
to parameterise and configure new product offerings without
specialised assistance and gives them the freedom to deploy these
new product offerings rapidly:
• Bank instruction designer
• Flexible banking data
• Call-out mechanism
• Transaction product type and definition
• Integration framework
• Visual branding tool
• System parameter maintenance
Key to CR2’s Product Factory is the component known as the Flexible and accounting information from every back office system allowing
Banking Data module. It provides a sophisticated mechanism for customers for example to review standing orders, reconcile cheque
securely capturing and structuring data, which can then be seamlessly history and monitor loan repayment schedules.
associated with the bank’s products and services.
Deploying Product Factory, BankWorld can consolidate customer
Flexible Banking Data enables customers to self service more information through Flexible Banking Data and use this information
effectively and perform more of their banking requirements via to rapidly design and deliver tailored products and services targeted
electronic channels. It consolidates a customer’s detailed financial at individual customers or customer groups.
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4. Customer
Information File Ç
Every bank has unique access to customer cross selling campaigns. Utilising customer
“Following an extensive review of
insight gained through a relationship built information BankWorld’s Product Factory
up over the years. BankWorld enables banks empowers banks to design and rapidly deploy the market, we selected BankWorld
to utilise this powerful information, reaping tailored products and services to targeted because of its unique ability to
the rewards of increased revenue and customer groups across their entire channel deliver a powerful self service
customer retention. infrastructure. platform with a comprehensive suite
of self service channels. In addition,
Key to BankWorld is its Customer Information Most importantly the CIF enables the BankWorld’s clear leadership in
File (CIF) which provides banks with a single bank to see their customer’s total position the multichannel space makes CR2
view of their entire relationship with their and to make critical decisions based on the perfect partner to assist us in
customers that may be held across multiple a whole view of the customer including developing our self service strategy”.
disparate back-office systems. BankWorld’s the opportunity to present them with a
CIF allows banks to link together customers multitude of cross selling opportunities.
Doug Munatsi,
and accounts from across all their core
systems and to view and transact on them in Unique to CR2’s BankWorld is the solution’s Chief Executive,
one place. ability to empower campaign fulfilment. ABC Group.
A product can be offered on a channel to
Traditionally banks have focused on back- a customer and the customer can accept
office CRM initiatives but have failed to the product there and then. For example
deliver these opportunities to customers in Cairo Amman Bank, BankWorld enables
effectively. BankWorld enables banks, for the bank to offer loans to pre-approved
the first time, to manage their existing customers, the terms and conditions can
customer data, consolidating customer be agreed there and then and the customer
information and using it to deliver effective can automatically withdraw the cash.
Multi-factor Fraud
Prevention Ç
In October 2005, the Federal Financial The last transaction can be confirmed
Institution Examination Council of America as well as changes made via other
issued a guidance “Authentication in a channels. For example, one of
banking environment” addressing the need the most common identity
for all retail and commercial banks in the theft initiatives is to change
USA to provide reliable authentication the customer’s address via
measures for customers accessing their call centre or Internet.
banks remotely. In its recommendations the Here the ATM can be
FFIEC highlighted the strength of multi- used to verify that the
factor authentication as the most reliable customer’s address
source of fraud prevention. details have been changed
using the extra security of
BankWorld, CR2’s service oriented self card and pin.
service banking platform ensures the
integration of all banking channels within Fraud alerts can also be be
ALERT Mr Murphy
the CR2 product suite. BankWorld ATM’s sent to additional channels
Your address has been
integration with BankWorld Mobile, such as the customer’s changed online. Please
BankWorld Kiosk and BankWorld Internet mobile phone. For example, confirm your new
address details:
assists greatly in reducing fraud across all in cases where the incorrect
3 Bluebell Road,
channels. BankWorld ATM can be particularly PIN is entered, the card Dublin 2, Ireland
effective in adding an additional layer of owner can immediately be
security to online banking transactions. notified via SMS.
Transactions can be queued pending
confirmation on an additional channel. Fraud Prevention
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2 © CR2. All Rights Reserved.

5. BankWorld ATM Ç
BankWorld ATM creates new business and revenue
growth opportunities. These are delivered cost-effectively
via existing ATM networks and infrastructure
BankWorld delivers targeted products and services based on each Targeting a student
customer’s profile segment
Personalised
welcome
Lifestyle Targeted
based alert advertising
Client-based
bank promotions
Existing ATM Immediate
services service sign-up
Third party
selling
opportunities
Bill payments
Since the 970s, ATMs have provided to transform their ATMs into a flexible Effective use of customer
customers with a useful but limited range of and responsive channel. BankWorld gives
transactions and banks have been unable to banks the freedom to define and segment information
personalise these for individual clients. transactions, extending the range and type
of services available to individual customers In an increasingly competitive banking
BankWorld ATM creates new opportunities at the ATM. BankWorld ATM delivers environment, service is a key differentiator.
for banks to optimise the services they offer targeted cross selling opportunities directed Every Bank has unique access to valuable
to customers. BankWorld enables banks at customer segments. customer insights gained through the
for the first time to differentiate themselves relationship built up over the years.
and to provide unique personalised
functionalities via the ATM. In addition BankWorld for the first time enables
CR2’s revolutionary ATM solution enables Recent research indicates that in excess banks to use this valuable information to
banks to increase revenue generating of 50% of customers who request create targeted cross selling opportunities
opportunities via their ATM networks by further information at the via the ATM. An extension of CR2’s
delivering tailored products and services ATM regarding a banking product BankWorld product suite, BankWorld ATM
based on a customer’s segment profile. ultimately go on to buy it. CR2’s enables banks to deliver segmented
BankWorld enables the bank to actually product offerings, specific services and
Working with ATMs from the world’s leading complete many transactions there and targeted advertisements directly to that
vendors, BankWorld deploys then via the ATM. customer based on their customer
CR2’s Product Factory which enables banks segment profile.
Ñ Branch deposit costs Ñ ATM deposit costs Ñ For a bank with a network Ñ This equates to a saving
approximately, $2.05 ; just $0.5. of 250 ATMs processing of over $3.37 million
deposit per hour per ATM. per year.
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6. BankWorld ATM Benefits and Tools Ç
BankWorld ATM enables customers and even cardless clients
to perform the following transactions:
u Bill u Loan u Foreign u Cash
payment repayment exchange lodgment
Consumers around the
globe now make more than
50 billion ATM transactions
each year. According to a
Forbes magazine article,
BankWorld ATM Google is processing
approximately 2.3
BankWorld provides new generation billion searches per
technology which has been driven by banks’ month, or 27 billion
need to grow through new products, services searches per year.
and channels, as well as attracting new ATM transactions
customer segments. This has seen a dramatic outnumber Google
growth in the number of ATMs as well as searches by almost
an increase in complexity of ATM networks 00 percent!
involving many different manufacturers’
hardware and multi-regions, presenting
operational challenges in managing this BankWorld ATM Monitor BankWorld ATM Client
hardware, multiple currencies, multiple
points of contact and the different branding BankWorld ATM Monitor consists of two ATM BankWorld ATM Client is the unique
applicable to different regions. monitoring and control applications. One Windows based application which resides
acts as a powerful supervisor application on each ATM and treats each card holder as
BankWorld ATM presents the opportunity providing the highest levels of control and an individual customer rather than simply
to centralise a multi-region operation to drill down diagnostics to ATM centre staff. another cash transaction.
a single data centre. In addition multiple The other is a web client which enables
institutions can be operated through a single remote branches and any other parts of the BankWorld ATM for the first time enables
installation to support outsourced services organisation to monitor the ATM network. banks to bring a personalised service
or growth through acquisition. BankWorld This provides the ability for branches (or an directly to the individual customer at the
is not only able to manage ATMs in multiple external service agency) to immediately be ATM. It is rich in functionality and very
regions it can also be interfaced to multiple notified of incidents such as paper jams and flexible with a modern graphical interface
core banking applications. media shortages within their local area. which offers multimedia facilities.
BankWorld,
Multichannel
Marketing Capabilities
u 360 degree view of the
customer’s activity
u Segmentation
u Product Factory
u Look Feel Consistency across
all channels
u Delivery of Segmented Offers
across all or selected channels
u Monitor Report
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© CR2. All Rights Reserved.

7. Standard Bank Group is the largest banking group in Africa and 08th largest in the world. It operates in 8 African countries and 20 throughout Europe,
America and Asia. It has ,000 branches including 73 in South Africa and 240 throughout Africa, and employs more than 44,000 people.
Case study: Stanbic is part of the Standard Bank Group which represents the African Region
excluding South Africa Ç
Standard Bank is the largest bank in Africa. has been integrated with the bank’s many was completed in a rapid time frame of less
Technology is key to the success of leading back office systems including Equinox™, than 2 months during which 4 countries
global banks. In 2006 Stanbic was using BankMaster™ and Globus™ across 4 went live with BankWorld.
a variety of systems across Africa each countries in order to empower Stanbic to
managing a single banking channel and offer extended services via all channels BankWorld is now managing Stanbic’s
integrated to a single back office host. including ATM, Internet and SMS. Internet, ATM and Mobile channels in
In order to implement its aggressive self 8 countries. Following the bank’s initial
service strategy throughout Africa and A single solution managing all channels agreement with CR2 in 2006 to adopt
extend its product and service offering to enables Stanbic to be quick to market CR2’s ATM, Internet and SMS channels,
customers via their self service network, the in delivering products and services to Stanbic has added BankWorld POS to its
bank’s infrastructure needed customers across the bank’s self service channel infrastructure. Since the adoption
to be migrated from a siloed channel network. It also provides the competitive of BankWorld by Stanbic 2 years ago, CR2
approach to integrated channel advantage needed to become the world’s has consistently remained in the banks
management architecture. leading global bank across emerging list of top suppliers which is reviewed on
markets. BankWorld’s flexibility allows a monthly basis by their specialist vendor
After considerable review of leading vendors extra channels to be added as well as relations committee.
Stanbic selected CR2’s BankWorld platform, support additional back office systems
a unique unified self service platform that inherited with acquisitions. The project
BankWorld ATM Distributor Cash management
BankWorld ATM Distributor enables the Effective cash management has a significant Working with BankWorld ATM Client and
remote management and updating of impact on the profitability of banks. BankWorld Distributor, BankWorld Studio
ATM software. It provides efficient central BankWorld ATM Cash Management provides is a powerful yet easy to use content
administration and distribution of software instantly available cash positions of remote management tool which enables a financial
as well as application upgrades to the ATMs that are required for planning and institution’s marketing team to easily create
ATM network. refining optimum replenishment strategies. and deploy personalised branding for the
ATM channel.
BankWorld ATM Distributor enables banks
to distribute updates to each ATM from a In addition BankWorld’s Product Factory
central location and to determine the date enables financial institutions to configure
and time the update is to be implemented. and parameterise new product offerings
This means that distribution can be targeted at segmented customer groups.
arranged at a time that causes the least Using BankWorld Studio branding for these
inconvenience to customers. It also enables products can be easily created and rapidly
new applications, graphics, sound files and deployed to its ATM network.
video to be distributed remotely to multiple
or single ATMs such as new corporate logos
or advertising images during promotional
campaigns. As a result, what is usually a
manual and extremely time consuming
process is completely eliminated and
banks with ATMs in multiple countries can
significantly reduce their operational costs.
BankWorld Studio empowers banks for
the first time to easily design branding
and screen flows for the ATM as well as to
deploy this new branding quickly across
their ATM network.
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8. BankWorld Internet Ç
Delivering a unique personalised banking experience to each
individual customer online
Effective cross selling,
targeted product
Personalised welcome delivery
Lifestyle-based alert
Consolidated view
of all accounts
Personal financial Transaction flow with
tools personal banker through
Preferred personal individualised mailbox
bill payments
BankWorld Internet delivers
relevant products and
services to each customer
online based on their
customer segment profile
Recent research indicates that online increasing cross selling opportunities, CR2’s BankWorld platform creates new
banking is rapidly becoming the most generating revenue and improving customer opportunities for banks to optimise
powerful retail banking channel ever, loyalty for the bank through personalised the service they offer to customers
outpacing everything from ATM to call centre channel delivery. differentiating their bank by providing
and increasing at a rate of 27% per year. clients with unique tailored functionalities
BankWorld Internet is a complete, very as well as delivering segmented products
BankWorld Internet provides banks with functionally rich, proven online banking and services and increasing cross selling
the complete control to create, manage and channel. Using the highest level of security opportunities.
deliver segmented products and services BankWorld delivers premier Internet
direct to individual customers via their banking services directly into the users own CR2’s Product Factory, an integral and pivotal
Internet banking channel. BankWorld home, office or anywhere in the world. element of the BankWorld solution, enables
Internet revolutionises the way in which banks to transform their online service into a
a bank interacts with its clients online, flexible and responsive channel.
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6 © CR2. All Rights Reserved.

9. Using BankWorld‘s Product Factory enables BankWorld for retail BankWorld for corporate
banks to segment their online offering,
designing, and rapidly delivering segmented banking banking
products, tailored for targeted customer
groups, for example, corporate, student BankWorld Retail enables financial The globalisation of business has
or high net worth. BankWorld Internet’s institutions to deliver products and driven the demand for twenty-four
personalised services include: services online to their customers, which hour, worldwide access to corporate
traditionally were only available by visiting finances and services. Increasingly
• Pre-defined preferred transfers the branch. Therefore providing the financial transactions take place across
necessary infrastructure that is required international boundaries as businesses
• Personalised bill payments
not only for customer retention but also aim to build global presence, trading
• Consolidated account enquiry for customer acquisition. and partnering relationships.
• Personalised alerts and messages
• Segmented product and service BankWorld’s powerful ability to separate Corporate banking customers execute
delivery the branding layer from the business numerous daily financial transactions.
• Account statements logic of BankWorld empowers financial This requires banking services and
institutions to control the exact content products that will enable customers
• Standing orders
each user sees and the way in which to seamlessly track and manage their
• Direct debits customers interact with their bank global finances, across all channels and
• Dual authorisation accounts and other services. from all time zones.
Cost reduction through timely service BankWorld provides the platform for
provision can be achieved through banks to deliver fully functional services
User Roles the BankWorld bank instructions to their corporate base. The internal
administration tool. This powerful tool financial procedures of the corporate
User Roles are designed to allow banks can be used to generate both automated can be mapped to provide workflow
to effectively manage all user access to and manually processed bank instructions for transactions. The responsibility of
products, services and functions across that are integrated into the BankWorld managing their own user base and
multiple channels. platform. New products and services can beneficiaries can be placed within the
be generated utilising the Product Factory corporate themselves, which at the
They can contain a single permission and branded specifically to the customer same time allows the bank to command
such as “Enable online transfer to foreign segment to which the product is targeted. control. Features provided by
account” or in advance usage contain BankWorld Retail offers value-added BankWorld include:
multiple permissions and restrictions features that include:
simultaneously. In this way a single user • Multiple users
role can enable or exclude access to multiple • Funds transfers • Multiple signatories
products, services, or functions in a single
• Bill payments • Local and foreign remittances
administrative assignment process.
• Account enquiry • Beneficiary registration
Permissions can be assigned to a user • Account statements • Administrator tool kit
either directly or through inheritance. • Standing orders
• Direct debits Multiple signature authorisations
• Dual authorisation allows the corporate client to control the
Delegation authorisation of certain transactions to a
• Loan applications
number of specified users. A transaction
BankWorld delegation significantly • Online mortgage applications may have to be authorised by a number
enhances the customer’s experience of of people within the corporate client
the entire bank by extending the power before it is processed.
of BankWorld Internet to the bank’s own
internal departments and external parties This is facilitated within BankWorld
nominated by individual customers. “There has been a significant uptake by associating every user within the
Through the delegation mechanism call of our Internet banking channel since corporate customer with a specific “user
centre operators, VIP relationship managers its launch just last month. BankWorld role” which defines various attributes
and branch staff will access the same delivers a unique personalised banking such as available transactions and
information and transaction sets as the experience to each customer retail or bank instructions, available accounts,
customer receives when accessing the corporate accessing our online banking transaction types, product types and
system at home. In this way, consistent channel. We are very pleased with the transaction limits.
information is available across the entire
high level of support provided by CR2’s
bank and customers can request any
point of contact within the bank to action
professional services team and look
transactions on their behalf. When a forward to further developing our self
transaction is actioned by a delegate on service strategy with CR2 in the future.”
behalf of an account holder, BankWorld Mario Thome,
captures that the transaction has been Bank of Sharjah, March 2008
actioned in this way.
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10. BankWorld BankWorld Mobile enables banks to
deliver personalised products and services
Mobile Ç to customers through a range of mobile
services using SMS or WAP or varying
devices such as Mobile PDAs.
WAP Services
BankWorld Mobile WAP module enables
a customer to conduct the following
transactions using WAP:
• Account balance
• Foreign exchange rates
• Change pass phrase
• Money transfers
• Utility bill payments
• Authorisation of transactions
SMS Module
BankWorld SMS provides banks with
a powerful platform and mechanism
for interacting in real-time with their
customers over the SMS channel. This
interaction can be through customer
notifications or events for example:
BankWorld WAP • Events occurring on customer BankWorld Internet on a PDA
accounts
For banks that have been searching for ways • Servicing customer requests such as
to complement their Internet, Kiosk and ATM balance enquiry
banking channels, or for institutions who are • Delivering bank triggered messages
trying to reach the world’s vast unbanked such as targeted marketing
market. CR2’s BankWorld Mobile puts the • BankWorld Mobile on a PDA
bank’s services in customers’ pockets.
BankWorld Kiosk Ç Services include: Innovation Driving
• Bill presentment Revenue Ç
• Bill payment by card
• View consolidated list of accounts By cross selling, advertising and providing
• Funds transfer new product offerings across all channels
• Card to card transfer it is now possible to focus on generating
revenue via the self service channels.
• Mobile top up
• Statement printing By deploying BankWorld, banks have
the opportunity to cross sell effectively to
As with all other CR2 channels BankWorld’s customers and prospects each and every
Product Factory enables banks to time they use any of their self service
parameterise and configure segmented channels, ATM, Internet, Kiosk or Mobile.
product offerings and deploy them quickly
and easily across the Kiosk network. Banks which use BankWorld innovatively
Kiosks are extremely easy and cost effective have developed new business opportunities
Kiosk transactions are 4 times cheaper for to implement and use features from both that now drive revenue growth.
banks to process than branch transactions. the Internet and ATM channels.
BankWorld Kiosk is a customisable software
solution which enables financial institutions
to deliver personalised statements, bill “The service from CR2 has been excellent, the functionality is good and the current
payments and notifications to customers in infrastructure has been very reliable so, when it came to deciding on our next-generation
locations such as branches, shopping malls partner and platform it was an easy decision.”
and airports 24/7. Dr Alewyn Burger, Standard Bank, COO
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8 © CR2. All Rights Reserved.

11. POS Ç External Gateways Ç
CR2’s POS solution CR2’s POS solution has extensive merchant In addition to the
provides acquiring management functionality and can provide BankWorld channels,
banks with a a web-based portal for merchants to BankWorld also offers
merchant-acquiring review and monitor transactions. a number of gateways
solution that is CR2’s POS solution’s multicurrency providing industry
fully EMV and triple support makes it the ideal acquiring standard protocols
DES compliant. It solution for banks whose merchants serve such as ISO8583
enables banks to an international customer base. Acquiring and XML. These
acquire transactions banks will find it easier to attract merchants gateways can be used for the integration
from merchant POS that want to charge international customers of existing or third party channels such as
terminals and route these transactions in their local currency. IVR systems and call centers.
to the appropriate card network such
as VISA™ or MasterCard™ as well as
perform settlement and reconciliation.

12. Frequently asked questions Ç
Why is CR2’s solution so unique? What ATMs are supported by CR2? Does BankWorld enable banks
CR2’s BankWorld is the world’s only self
BankWorld ATM has been deployed on to create their own transactions
a range of leading XFS compliant ATM across all channels?
service platform which delivers a complete
vendor machines such as NCR, Wincor
suite of integrated channels. BankWorld Yes. CR2’s Product Factory gives banks
Nixdorf, Diebold, Fujitsu and GRG Banking.
enables banks to create, manage and complete control to parameterise and
deliver tailored products and services configure new product offerings without
to customers pending that customer’s How does BankWorld interact
specialised assistance and to deploy them
specific segment across all channels. across bank channels? rapidly throughout their channel network.
Unique to BankWorld is the solution’s BankWorld delivers an unprecedented
BankWorld, CR2’s service oriented self
ability to deliver campaign fulfillment, level of control and flexibility allowing the
service banking platform, provides the
enabling the bank to deliver a product to bank to design their own transactions and
backbone of shared financial intelligence
a customer and the customer to complete screen layouts and deploy them across
and business logic and is an inherent part
the transaction via the self service channel. all channels: ATM, Internet and Kiosk,
of this solution. The service oriented self
service platform brings together all the removing the restriction traditionally
Which back office hosts does existing customer information from each imposed by supplier templates.
BankWorld integrate to? channel such as Internet, Mobile, ATM
CR2’s BankWorld can be integrated to
or Kiosk and enables it to be used at any Is BankWorld a modular
channel. For example, customers can be
multiple back office hosts across multiple solution?
sent SMS alerts to their mobile phone any
regions. BankWorld is currently integrated Yes BankWorld is a
time their ATM card is used. This can help
to numerous of the world’s leading core modular solution.
reduce fraud and improve security.
back office systems including Equation™, Functionality described
BankMaster ™, Symbols ™, T24™, in this brochure
Also, the ATM screens can be designed so
Flexcube™, and Globus™ as well as requires the
that the look and feel and personalisation
in-house developed systems. licensing of the
aspects are the same as the bank’s
Internet banking platform. related module(s).
Global banking solutions Ç
CR2 has more than 130 implementations
across 70 countries and 4 continents.
BankWorld has live deployments integrated
to numerous of the world’s leading core
back office systems including Equation™,
BankMaster ™, Symbols ™, T24™,
Flexcube™, and Globus™ as well as
in-house developed systems.
CR2 has a network of offices globally across
Europe, Asia, the Middle East and Australia.
Corporate Worldwide
Headquarters Ç Offices Ç
Dublin Dubai Johannesburg Perth Moscow
CR2 House PO Box 62187 Oxford Gate, Level 2, Business Center Citidel
Block 16, Joyce Way 701, Khalid Al Attar Hyde Park Lane, 369 Newcastle St 4th Floor Zemlyanoy
Park West Business Park Tower Cnr William Nicol and Northbridge 6003 Val Str. 9
Nangor Road Sheikh Zayed Road Jan Smuts Perth Moscow 105064
Dublin 12 Dubai Johannesburg Australia Russian Federation
Ireland United Arab Emirates South Africa
Tel: +353 1 433 9100 Tel: + 971 4 331 5414 Tel: +27 (11) 280 6614 Tel: +61 (0) 8 9328 2828 Tel: +7 495 967 9348
Fax: +353 1 433 9101 Fax:+ 971 4 331 5480 Fax:+27 (11) 280 6610 Fax:+61 (0) 8 9328 7570 Fax: +7 495 967 9700
Email: info@cr2.com
Kiev Bangalore Jordan
Horizon Tower 3rd Floor Medinova Diagnostics’ 710 Ab Al-Haj
Shelkovichnaya Street Opp TNT towers. Commercial Complex
42-44 Bangalore - 560 001 University Street
Kiev 01601 India Amman
Ukraine Jordan
Tel: +380 44 490 1255 Tel: +91 080 4241 9800 Tel: +962 6 516 3122/24
www.cr2.com Fax: +380 44 490 1200 Fax: +91 80 4241 9888 Fax:+962 6 516 3123