Yabx Technologies BV

Maanplein 7, 2516 CK
Den Haag, Netherlands
www.yabx.co

Consumer financing

© Copyright YABX 2020 | Confidential

 Executive summary

With an unprecedented growth in digital payments over the last 10 years, a large segment of
people (and MSMEs) have access to payment instruments to transact digitally. But majority are
unable to obtain credit and additional banking products that are considered critical for true
financial inclusion.

Yabx, through its partnerships with leading Mobile operators, digital wallet providers, online
payment gateways and PoS Aggregators enables Financial Service Providers (FSPs) to
underwrite and service these new-to-credit segments using proprietary AI and ML algorithms
on massive amounts of alternate data and helps them create a profitable portfolio.We operate

across the markets of Africa, Middle East, Europe, Asia and South America.
© Copyright YABX 2020 | Confidential
 Offering Summary (current version)
Full stack digital lending products (currently live / under implementation) YABX Business Solutions

Credit Checkout/ Merchant Current version

Micro-lending Handset Loan BNPL Platform Components
Score Overdraft Cash Adv. supports

Channels USSD, Existing App Retail, USSD USSD, App App App Experience Manager App, Web, USSD

Individual Individual, Business

Borrower type Individual Individual Individual Indv. Customer 360
SME (sole proprietor)

Product Type Bullet loan Score Term Line Term/Line Line Loan Management Module OD, Term, Bullet, Flexi

AI based, alternate Lending CRM : Workflow AI + policy led, Straight

Underwriting data, Straight AI, Pre- Pre-Appr, AI AI, Pre- Lending CRM : Credit Policy through and human
AI, pre-appr AI, pre-appr
type Through appr. based models appr. Management based
Processing Decisions : Scoring Service centralised underwriting

Consumption, Disb, Consumption, Consumptio, ETB, NTB, Self +

Journey Type Self, E2E Cons. Repay Lending CRM : Engagement
Repay Sale, Repay Sale, Repay Assisted, E2E

3rd Party Telco, KYC, Payments, e-Sign,

Telco Telco Telco, OEM Exhaustive Bureau Integration Manager
Partnerships Bureau Bureau, e-Commerce

Automated, self
Automated, self Auto/Mandate based
Collections - (wallet,cash) Automated Auto, Self Automated Collections Manager
through wallets Device
Device mgmt.

Pricing Rev. Sh $/API Rev. Sh Rev. Sh Custom Rev. Sh Modular license + Setup + Managed services

© Copyright YABX 2020 | Confidential

 ABOUT YABX

PROPOSITION

PRODUCTS

RISK MANAGEMENT

© Copyright YABX 2019

 Yabx
purpose
Writing The Next Chapter Of Financial Inclusion
5 Bn+
Unique mobile subs , 66%
penetration , CAGR of
2.1% (2017-25)
MSMEs in developing
countries face an
estimated financing gap of
$2.1 to $2.6 trillion
~$2.5 Tn+
© Copyright YABX 2020 | Confidential
• We aim to bridge the gap in credit
appetite and access to finance
• We enable potential borrowers
2 Bn+ with limited credit history to access
fair loans from financial
Un/Under banked
population worldwide not institutions
having access to formal
financing • Our Risk Scoring and Credit
Lifecycle Management platform
provides solutions that cover whole
spectrum of alternate lending
Credit Scored 100+ Million credit worthy
customers in 12 countries, processing 100 Bn
data records every month
5
 Yabx
highlights
Create profitable unsecured lending portfolios through digital acquisitions, underwriting and loan servicing
CREDIT SCORING AND PORTFOLIO MANAGEMENT
• 100+ years of cumulative team experience in managing unsecured
loans portfolio
• Data Science Expertise across various data sources like banking,
insurance, telecom, mobile app, social, retail, PoS etc.
• Proprietary algorithms delivering industry’s lowest default rates
across similar portfolios
• Feature Engine Bank and Modelling IP replicable across portfolios
FUND PARTNERSHIPS
• Funding Partnerships with the largest banks in Africa, Asia and
Latin America
• Yabx works to define offers, underwriting framework, limit
assignment, risk based personalized pricing, collection strategies
and interventions, highlight potential risk and early warning,
manage default scenarios efficiently as well as streamline ongoing
portfolio management
© Copyright YABX 2020 | Confidential
CUSTOMER LIFECYCLE MANAGEMENT PLATFORM
• Cloud based Customer Lifecycle Management Platform
• Pre-configured products like microloans, Device loans, personal
unsecured loans, Buy-Now-Pay-Later, Merchant Cash Advance,
Payroll loans, etc
• Helps streamline the loan application process, analyze risk areas,
educate the borrowers, and enable self-service of customers
CUSTOMER NETWORKS
• Partnership with the largest Customer and Merchant Networks in
Africa, Asia and Latin America
• Deliver new revenue stream and data monetization opportunities
• Engage customers through loyalty led programs and seamless
integration with existing customer lifecycle.
6
 Yabx collaborative lending
partners globally YABX CUSTOMER NETWORKS

Wallet / Telco Networks

YABX FUNDING PARTNERS

Across 15+ Countries

YABX EXISTING YABX PIPELINE

UAE

Nepal Retail / Merchant Networks

Malawi Bangladesh
Uganda
Tanzania India
Colombia Côte d'Ivoire
Somalia Indonesia
Mexico
Rwanda
Mauritania
Benin
Togo
Zambia
Kenya
Egypt
Americas EMEA APAC
Ghana
Comviva Comviva Madagascar
Customers Offices

© Copyright YABX 2020 | Confidential 7

 SAMPLE PROGRAMS ACROSS COUNTRIES

$500- $10000
1-12 Month
$150 - $2000 POS MERCHANT
2 Days-6 Months LOANS
$50 - $1000
RETAILER LOANS • Seamless merchant
2-30 Months onboarding
$30 - $800 HIGH TICKET • Agent transaction • PoS data to estimate
6-18 Months PERSONAL LOANS data used to income
$5 - $800 • Lead generation from underwrite loans
DURATION

HANDSET LOANS • Loan Repayment

2-16 Weeks Telco network • Mostly NTC segment linked to business
$5 - $50 CHECKOUT LOANS • Monthly EMIs • Additional variables – Mom & Pop shops, inflows
Daily/Weekly / BNPL • Partnership with to qualify risk retails
MICRO AND • Working capital or
SMALL • Offered on Merchant OEMs • Loan disbursed into business expansion
/P2P transactions • Local distribution [Bangladesh, Tanzania]
MERCHANT LOANS bank account
• High APRs – 90 -120% • Revolving line of partnerships [Colombia, UAE,
[Colombia, Indonesia] Bangladesh]
• High Velocity credit
[Bangladesh, Ivory
• Disbursed / collected • Daily interest rate Coast, Colombia]
from wallet
[Tanzania, Uganda,
[Malawi, Rwanda, Colombia]
Zambia, Indonesia,
Bangladesh]

TICKET SIZE
© Copyright YABX 2020 | Confidential 8
 ABOUT YABX

PROPOSITION

PRODUCTS

RISK MANAGEMENT

© Copyright YABX 2019

 Collaborative lending
approach
Yabx, through its partnership with Partner enables Financial Service Provider to underwrite and services target retail and merchant
segments over Partner network using proprietary AI/ML algorithms on alternate data thus ensuring FSP acquires a profitable digital lending
portfolio.
YABX DIGITAL LENDING PROPOSITION

RETAIL AND YABX FINANCIAL YABX LIFECYCLE

MERCHANT NETWORK SCORING SERVICE PROVIDER & PORTFOLIO MGMT GTM PRODUCTS

RETAIL CREDIT
Data Platform Lifecycle Management
Partner Cash Loans
Customer Experience
Data Integration and
Management |

ACCESS CHANNEL
Pipeline | Extract-
Origination | Servicing | Checkout/ BNPL
Transform-Load
Partner Pay Collection

License
Risk & Portfolio SME CREDIT
Modelling & Scoring Target
Partner Marketplace Management Population
Feature Engineering | Regulatory Credit Strategy & Design Working Capital
AI/ML Modelling | | Fund Allocation | Risk
Partner Logistics Risk and Behavioral Based Pricing | Disbursal Merchant Cash
Scoring | Model Loan Book & Collections | Portfolio Advance
Monitoring Management

© Copyright YABX 2020 | Confidential 10

 UNSECURED PERSONAL LOAN PRODUCT STRUCTURE

PRODUCT FEATURES Microloan Buy Now Pay Later Merchant Advance

Cash Loans Retail Loan against Fixed Installment or

PRODUCT CONSTRUCT
with Fixed Term Merchant Transactions Daily Split Collection

AVERAGE TICKET SIZE USD 10 - 25 USD 100 – 1000 USD 500 - 1000

DISBURSAL TO Wallet Merchant Wallet or Bank A/c

3 to 6 Installment
TERM 14 - 30 Day 3 - 6 Month
(4 – 9 Month)

Application Fee ~2.5% ~2.5% ~4-6%

PRODUCT FEE Average Term Fee ~13-15% ~13-15% ~2-3 % Monthly

(Risk Based
Fee Construct ) Penalty fee (post term) ~2% ~2% ~0.1% Daily

Rolloverwill
The listed product construct Allowed
undergo changes to align with 1Financial
(same term fee) credit policy and
Institute 1 (same term fee)
regulatory requirements. N.A.

© Copyright YABX 2020 | Confidential 11

 ABOUT YABX

PROPOSITION

PRODUCTS

RISK MANAGEMENT

© Copyright YABX 2019

 MICROLOAN BNPL
MICROLOAN WORKFLOW
1 CREDIT SCORING
Yabx creates credit score
leveraging data provided by
Partner, Bureau and
repayment data
5 DECISION
Yabx approves /denies loans
based on rules in Step 2
© Copyright YABX 2020 | Confidential
2 CREDIT POLICY DESIGN
Bank and Yabx design credit
policy to determine loan limits
for customers
6 DISBURSAL
Yabx uses MoMo API to
disburse amount into
customer MoMo wallet
3 PRE-FUNDING 4 LOAN REQUEST
Bank pre-funds
Yabx handles incoming loan
Disbursal Accounts wallet in
requests from PartnerPay
Partner MoMo
7 REPAYMENT 8 COLLECTION
Yabx informs customer about
Yabx calls MoMo API for debit
dues. Yabx is integrated with
of due amount from agent/
MoMo for repayments
customer wallet
(self or auto-debit)
 MICROLOAN BNPL

YABX BNPL VALUE PROPOSITION FOR Partner

• e2e solution delivering various functionalities for BNPL Product

DELIVER NOW PAY LATER PARTNER MARKETPLACE

• Pay within 15-30 days of purchase • Offers and products visible on Partner
ecommerce app and web portal
SPLIT
• Interest free 2 to 4 installment spread over 1 to PARTNER WALLET
3 months • Extend BNPL to third party merchant when
Partner wallet is offered to them
FINANCING
OTHER AFFILIATE SERVICES
• Pay in 6/9/12 installments against fee and
• Can be extended to all Partner services
interest charges
seamlessly

PRODUCTS BUSINESS SOLUTIONS

© Copyright YABX 2020 | Confidential 14

 MICROLOAN BNPL

BNPL CUSTOMER FLOW

ORIGINATION REPAYMENT (through

MFS/Card/Account/PartnerPay)

Yabx LMS
Repayment
Reminder
CREDIT
Open market
OFFERS MoMo or
PartnerPay

Customer Pays using credit Transaction Customer pays

orders ‘Goods’ Shown ‘credit Payment
option and Completed; using payment
in Partner. offers’ at update done
confirms with OTP. mode selected Cards
checkout in LMS
Purchase fulfilled Loan (Debit/Credit)
initiated

Bank pays Partner for Merchant settlement Customer pays bank through preferred channel
after goods delivered

© Copyright YABX 2020 | Confidential 15

 MICROLOAN BNPL
BNPL WORKFLOW
1 CREDIT SCORING
Yabx creates credit score
leveraging data provided by
Partner, Bureau and
repayment data
4 DECISION
Yabx approves /denies loans
based on rules in Step 2
© Copyright YABX 2020 | Confidential
2 CREDIT POLICY DESIGN 3 LOAN REQUEST
Bank and Yabx design credit
Yabx handles incoming loan
policy to determine loan limits
requests from Partner App
for customers
5 DISBURSAL 6 REPAYMENT 7 COLLECTION
Yabx uses Bank settlement to
Yabx informs customer about
transfer cumulative loan
dues. Yabx is integrated with Yabx calls re[ayment channel
amount to Partner to settle
various channels for API for debit of due amount
with merchants.
repayments from agent/ customer wallet
Loan Account created for
(self or auto-debit)
customer at PoS.
16
 ABOUT YABX

PROPOSITION

PRODUCTS

RISK MANAGEMENT

© Copyright YABX 2019

 YABX PLATFORM
Logical Architecture and Building Blocks

DATA CUSTOMER LOAN LIFECYCLE ACCESS

A ALTERNATE SCORING B
MANAGEMENT PLATFORM
CONSUMER DATA ENGINEERING

Origination
NID & Offer / Customer Workflow Campaigns Web
other ETL & DATA DATA Onboarding Configurator Manager
Registries SCRAPING PIPELINES CLEANING
Recommendations
Product Appraisal & Multi Channel
# USSD
Bank APIs & Pricing Approvals Origination
MODEL DEVELOPMENT Credit Rule Engine
Call
Credit Centre
ENTERPRISE SERVICE BUS

ENTERPRISE SERVICE BUS

Communication
Bureau FEATURE ENGINEERING KYC & Auth

Rule Engine
OBD/

Servicing
Pricing & Limit Mgmt Product
• Logistic Regression Configurator
Accounting IVR
App Data
MODEL • Random Forest User Journeys
Telco
TRAINING • GBM Customer Recon & SMS
Data • Neural Network Collection Mgmt Service Reporting
Event
Management APP
PoS / MODEL DISCRIMINATION
Wallet Data
Fraud Management

Collections
MODEL DEPLOYMENT Delinquency Treatment Treatment
Management Workflows
MERCHANT DISBURSAL &
Merchant MONITORING & OPERATIONS Merchant and SKU Settlement & Bureau Content COLLECTIONS
&Prop KYC Management Waivers Reporting Management
Accuracy Stability
Sales/ SKU/ Core
Purchase Tx Banking
Financial/
Credit Strategy & Design | Fund Allocation | Risk Based Pricing |
Tax Data
C RISK & PORTFOLIO MANAGEMENT Disbursal & Collections Management | Portfolio Management
Wallet

© Copyright YABX 2020 | Confidential 18

 Key Features (CREDIT ISSUANCE)
Customer campaign  Customer onboarding  Customer journeys – Limit decision and administration

Integrated Machine Learning Based Scoring Configurable Credit Decision Engine Onboarding Management

Product Offer Module Product Workflow Configurator Campaign Manager

© Copyright YABX 2020 | Confidential 19

 Key Features (CREDIT CONSUMPTION AND MANAGEMENT)
Configuration of disbursement Loan accounting  Auto debit and collections  Administrative and reporting

Treasury Management Auto-Debit / Collection Management Team Management for admin / Ops

Customer portfolio view Loan lifecycle workflow Lending portfolio reporting

© Copyright YABX 2020 | Confidential 20

 CUSTOMER JOURNEY AND PRODUCT MAPPING
Unique customer journeys created for specific segments

DATA AVAILABILITY U/W

PREFERRED
FOOTPR REAL- BNPL CUSTOMER PRODUCT COMMUNICATION
CUSTOMER SEGMENT BUREAU OTHER CREDIT REPAYMENT
INT TIME OR JOURNEY CONSTRUCT STRATEGY
BANKIN SKU DATA ALTERN & CHANNEL
DURING PRE-
G DATA DATA AVAILAB ATE FRAUD
TRANSA APPROV
ILITY DATA RISK
CTION ED

Existing to merchant network: Bank Channels/

Have transaction history in Both Low Merchant
Credit card/debit
Bank-Merchant ecosystem Channels
card/account
Existing Bank Possible to show Transaction wise
transfer &
Customer BNPL BNPL
Standing
New to merchant network: personalized web authorization
Instruction
Have no transaction history in
Bank-Merchant ecosystem
x Both Low banner during
the flow of
Bank Channels
vs.
transaction and
before checkout Approved Limit
Existing to merchant network: to be invoked
Mediu Merchant
Have transaction history in
Bank-Merchant ecosystem
x Both
m during BNPL Channels
selection as
New payment Credit card/Debit
Customer medium card
Not possible to
New to merchant network: Only Affiliate
show any offer
Have no transaction history in
Bank-Merchant ecosystem
x x x Real
Time
High
banner before
marketing & paid
search
checkout

© Copyright YABX 2020 | Confidential 21

 MODEL PERFORMANCE USING ALTERNATE DATA (BNPL)
Discriminatory power as good and even better than bureau input based model

CREDIT SEGMENTS INFORMATION BLOCKS MODEL ASSESSMENT: BUILT USING THE AVAILABLE INFORMATION BLOCKS

Fraud Bureau Bureau+ Only

Credit Bureau Database with Input Digital Digital
Based Foot foot print
Bureau Model Prints
Customer With
available Credit SKU & Digital AUC: AUC: AUC:
Payment Footprints 68.3% 73.6% 69.6%
Bureau match with Gateway Data Data
Where rich bureau inputs are
“Rich” file
Banking available, inclusion of alternate
Transaction data significantly improve the
Data credit model performance

Only Digital foot print

AUC: 69.6%
SKU & Digital
Customer With no Payment Footprints
Credit Bureau Gateway Data Data
Where thin or no bureau inputs
match or “Thin” are available, alternate data
Banking
file customers Transaction based credit model have
Data similar discriminatory power as
only bureau input based model

Core Information Complementary Information

© Copyright YABX 2020 | Confidential 22

 DATA ECO-SYSTEM

TRADITIONAL DATA ALTERNATE DATA

Partner / Partner Pay DIGITAL FOOT PRINT TELCO / MOBILE / APP

Geographies Demographics Visitor Segmentation • Geotagging
BUREAU DATA
• New & Return Visits • App data
•Rural/Urban •Gender
• Visit Number • Call logs
•Metropolitan •Age
• Return Frequency • SMS Tags
•District/PIN Codes •Trailing Millennial (17-25)
• Visitor Domain • Derived features from SMS tags
•Leading Millennial (26-34)
Customer Buying Behavior •Generation X (35-44) • Languages
APPLICATION DATA •Baby Boomers (45-54) • Time Zones UTILITIES
•Discount Seeker • Referring Domain / URL
•Weekend Buyers •Matures (55+)
•Life Stage • Search Engines • Electricity
•First Week Buyer • Telecom
•Brand loyalist • Solo Women
• Solo men Technology • Gas connections
•Health Conscious • Internet
• Couple
INCOME •Fitness Enthusiast • Browser, Height/Width • Vehicle registration
• Couple with Infant
• Operating System
• Couple with Kid
• Cookies
Payment Data
• JavaScript
•Debit card user vs credit card user SKU • Mobile Device
•Wallet Customers •Order History
BANK DATA •Payment History •Order Cancellation
•Payment Instrument History •Order by SKU/Category
• Order Time Stamp

CUSTOMER LEVEL SURROGATES ARE CREATED LEVERAGING THE CUSTOMER BASKET DATA

© Copyright YABX 2020 | Confidential 23

 YABX SCORING PLATFORM
Machine Learning and Artificial Intelligence based Scoring Approach

DATA SOURCE
FEATURE GENERATION MODEL DEVELOPMENT MONITORING
Merchant SKU
ENGINE ENGINE & OPERATIONS
data
• Geographic profile
Bank /Payment • Demographic
Customer Feature
Transaction • Psychographic
profiles • Buying behaviour Selection
• AUC
Digital foot print • Geo Segmentation Discrimination • GINI
data Digital • Browser/tech profile • Logistic Regression Power • KS
profile • Payment Behavior Model • Random Forest • Accuracy
• Web metrics Training • GBM
Utility Data • Neural Network
• Payment instruments
Banking or
• Account throughput
payment GW
Mobile Device • Salaried vs non salaried
Data Model
• # Vehicle registered Validation
Govt. Data • Income tax payment
Other • PSI
• Business registered Stability
Alternate data • CSI
Model
Telco / App • Mobility entropy
Bureau Data Selection
data • Communication entropy

© Copyright YABX 2020 | Confidential 24

 CREDIT DECISIONING FRAMEWORK
Yabx decisioning framework considers both individual customer standpoint as well as portfolio standpoint keeping in mind the
risk appetite as well as operational considerations

Prospect • Prospect Scoring based on alternate data

Segmentation • Segmentation based on KYC profile & scores CUSTOMERS PROFIT DECISION RESULTS

• Offer matrix to prospect segments based on expected LTV

Personalized
(Life Time Value) Risk Action “A”
Offer Design • Test & Learn approach to driving response/take up rate
• Policy Declines (Score based, min income/revenue) Action “B”
Approval/Decline Take Up
• Identity Verification , Customer Dedupe etc A function of
Decision • Risk model based cut offs Action “C” the customer
Usage profile and the
• Debt Capacity Assessment Action “D” action taken
Optimized Exposure
• Loan amount/Limit assignment based on profitability
Management Fees
• On going assessment with updated customer behaviour Action “E”

Risk & Profitability • Pricing as function of risk, take up and profit margins Attrition Action “F”
based Pricing • Counter Offer Capability to drive incremental business
Typical Constraints
Customer/Portfolio • Early warning system based on changing behaviour
Management • Case set up and collections for targeted high risk customers • Best Offer • Business Volume
• Credit Losses • Targets
• Best Advice • ROI Hurdles
• Auto deduction set up • Limits Allocated • Budgets
Collection • Competition • Resource Capacity
• Dynamic hold back rate to mitigate fall in repayments
Process • Robust Tool set basis local regulatory/availability

© Copyright YABX 2020 | Confidential 25

 Case study 1 : Micro-lending (East Africa)

© Copyright YABX 2020 | Confidential 26

 case study 2 : Check out Loans in Tanzania & Uganda
Loans for completing bill payments/ Merchant Payments at checkout

• Scoring & eligibility of customers based on Scores derived from Yabx Scoring engine
• ~ 700k eligible customers
• Realtime policy rules using Yabx Score and Credit Bureau Score
• Integrated into Realtime Transaction flow for 7mn+ Wallet customers
• Handling 6mn+ Low balance Transactions & disbursing 300k Loans monthly
• Transaction level Approval rules
• CLI & CLD policies for repeat Users
• Deployed OBD & Collection agencies & Settlement Offers to drive collections
© Copyright YABX 2020 | Confidential
 CASE STUDY | MERCHANT CREDIT MANAGEMENT (1/2)
comprehensive limit management framework based on merchant behavior

Limit Assigned=ƒ (Customer spend Pattern, Customer Re-payment pattern, risk assessment) observed in a given segment

Customer Spend pattern

• *- Defaulting customers will

utilize the limit completely

Customer Re-payment pattern • Avg. daily revolving

bal=f(Customer spend
Pattern, Customer Re-
payment pattern, Limit
amount)
Daily interest bearing balance is
derived from the daily spend and Re-
• Net Program fees=1% X avg
payment rate
daily revolving bal*(1-
Balance buildup happens until the next Re-payment. default rate)

Loss Rate : Loss is to the amount of

total Limit x Default Rate of a risk
score band

© Copyright YABX 2020 | Confidential 28

 CASE STUDY | MERCHANT CREDIT MANAGEMENT (2/2)
comprehensive limit management framework based on merchant behavior

INPUT FOR A GIVEN CUSTOMER SEGMENT SIMULATING DIFFERENT LIMIT LEVEL GROSS PROGRAM FEES VS LOSS CURVE

@50% Re-Payment Rate

• Spend pattern: Actual Avg. daily spend for
last 15 days
Losses vary linearly with limit
• Re-Payment rate: Actual avg. Daily
payment flag for last 15 days
• Re-Payment Rate: Assumption 50%
• Default Rate @ Risk Score Band Limit value at which
loss=revenue
• Daily fees @ 1% on the outstanding
• Initial limit seed

• As the limit increases spend and balance increases and then flattens; at a given limit only certain numbers of spend can be accommodated
• Balance level is impacted by repayment rate, spend level and limit.
• Higher limit and lower repayment rate results in early build up of balance and revenue
• Rate of change of increase in balance decreases as the limit amount is increased at the same rate
• Losses increases linearly with the limit

© Copyright YABX 2020 | Confidential 29

 Thank You
www.yabx.co

Disclaimer
Copyright © 2020: YABX Technologies BV, Registered Office at The Hague, Netherlands.

All rights about this document are reserved and shall not be , in whole or in part, copied, photocopied, reproduced, translated, or reduced to any manner including but not limited to electronic, mechanical,
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This describes only the product defined in the introduction of this documentation. This document is intended for the use of prospective customers of the Company Products Solutions and or Services for the sole
purpose of the transaction for which the document is submitted. No part of it may be reproduced or transmitted in any form or manner whatsoever without the prior written permission of the company. The
Customer, who/which assumes full responsibility for using the document appropriately.
The Company welcomes customer comments as part of the process of continuous development and improvement. The Company, has made all reasonable efforts to ensure that the information contained in the
document are adequate, sufficient and free of material errors and omissions. The Company will, if necessary, explain issues, which may not be covered by the document. However, the Company does not assume
any liability of whatsoever nature , for any errors in the document except the responsibility to provide correct information when any such error is brought to company’s knowledge. The Company will not be
responsible, in any event, for errors in this document or for any damages, incidental or consequential, including monetary losses that might arise from the use of this document or of the information contained in
it. This document and the Products, Solutions and Services it describes are intellectual property of the Company and/or of the respective owners thereof, whether such IPR is registered, registrable, pending for
registration, applied for registration or not.
The only warranties for the Company Products, Solutions and Services are set forth in the express warranty statements accompanying its products and services. Nothing herein should be construed as
constituting an additional warranty. The Company shall not be liable for technical or editorial errors or omissions contained herein.
The Company logo is a trademark of the Company. Other products, names, logos mentioned in this document , if any , may be trademarks of their respective owners.

© Copyright YABX 2020 | Confidential