NCR PROFILE

Feb 02 - 15, 2004

NCR CORPORATION

NCR Corporation (NYSE: NCR) is a leader in providing Relationship Technology — solutions to customers worldwide in the retail, financial, communications, manufacturing, travel and transportation, and insurance markets. NCR's Relationship Technology solutions include privacy-enabled Teradata" warehouses and customer relationship management (CRM) applications, Operational CRM (Contact Centers), store automation and automated teller machines (ATMs). The company's business solutions are built on the foundation of its long-established industry knowledge and consulting expertise, value-adding software, global customer support services, a complete line of consumable and media products, and leading edge hardware technology.

NCR PAKISTAN — PAR EXCELLENCE

NCR is operating in Pakistan as a multinational company since the early 1950s. In terms of corporate standing, NCR is the only IT multinational in Pakistan to contribute widely to the field of IT development — be it investing in education programs, recognizing professionals through IT excellence awards or introducing emerging technologies in the country.

NCR's comprehensive array of service capabilities supports the ongoing needs of organizations in Pakistan to help them in maximizing IT investments. NCR in Pakistan is bringing a technological culture change to revolutionize the IT industry through special focus on customer service. Services are an essential component of NCR solutions, and NCR is a global leader in IT services delivery. We help clients transform transactions into relationships. We're a proven, trusted partner for businesses all across the globe. Our customers in Pakistan are some of the leading organizations representing key sectors including government, telecommunications, financial, retail and airline industry.

NCR PAKISTAN — LEADING FROM THE FRONT

For the first time in Pakistan, NCR introduced the concept for self-service banking, ATM switch sharing, UNIX, data warehousing, integrated call centers and CRM solutions. Leveraging from its global presence and capitalizing on the 113 years of experience and great reputation as a key technology and service provider, NCR provides total solutions to customers worldwide and in Pakistan.

The globe is shrinking for many businesses today, but it is still a big world out there. It's a world filled with change-changing customer requirements and rapidly evolving industry dynamics. It's a world filled with challenge and opportunity where businesses continually seek to build stronger customer relationships in order to gain a competitive advantage. NCR Pakistan is consistently working in enhancing awareness to transform the multitude of customer and operational transactions into sustainable, long-term, profitable customer relationships.

TERADATA, A DIVISION OF NCR — YOU'VE NEVER SEEN YOUR BUSINESS LIKE THIS

Teradata, a division of NCR, offers powerful, enterprise analytic technologies and services. Companies use Teradata® solutions to get a single, integrated view of their businesses so they can make better, faster decisions that drive growth and profitability. Companies leverage this integrated view to identify opportunities to increase revenues, decrease costs, and improve relationships.

At the same time, Teradata solutions are more cost efficient and simpler to manage. With our proven expertise in enterprise data warehousing and best-in-class technology, Teradata can help you see your business like never before. To learn more, go to Teradata.com.

NCR FINANCIAL SERVICES GROUP

With more than a century of new technology experience, NCR's capacity for innovation is proven. NCR has introduced new roadmap and technologies to the banks in Pakistan. It is for the first time that one of the leading bank's in Pakistan is offering cash dispensing, on-line currency Notes Deposit and scanned check deposit on the ATMs in Pakistan. Some of the innovative ideas introduced are the mobile ATM (ATM on wheels) with GPRS communication, first true drive thru ATM in Pakistan, talking and interactive ATMs using APTRA Software, third party advertisement on ATMs, ATM remote management tools, ATM advertisement management tools, ATM security solution for fraud and dispute resolution for many banks and ATM on VPN.

NCR Professional Services — Not just anyone, NCR Professional Services

With two decades' experience of self-service solution design, development and support, our consultants are able to offer more comprehensive professional services than any other competitor. Thos services include; a deep understanding of self-service consumer, business and technical dynamics; detailed business consultancy; branch-centric services, including site assessment and analysis, and branch effectiveness modeling and technical services for integration and networking.

We also offer total project management expertise — so you can be fully confidant that your project is being handled by the most experienced professionals in the industry.

NCR Pakistan became the first multinational in Pakistan to achieve Capability Maturity Model (CMM) level III certification and also one of the two Key Performance Areas (KPA) of level IV.

NCR WORLDWIDE CUSTOMER SERVICES — SERVICE EXCELLENCE WHEN AND WHERE YOU NEED IT!

The strength of NCR's Worldwide Customer Services lies in our ability to provision and manage global IT solutions. We understand the unique needs of IT operations. Our goal is to help you better manage your IT environment to support the needs of your business. NCR has proven our service capabilities with a global base of Teradata® Warehouse, Retail Store Automation, and Financial Self-Service and Payment customers.

We're also leveraging our global presence and experience to deliver a comprehensive portfolio of IT Infrastructure Services to businesses across several industries. These high availability services are focused on the vital systems, networks, software and security that comprise the IT infrastructure of today's businesses.....providing service excellence when and where you need IT.

NCR EDUCATION INITIATIVES — THE POWER OF KNOWLEDGE

Education is very close to our hearts. Investing in education has been a tradition in NCR. NCR initiated a first of its kind NCR Teradata University Program in Data Warehousing with an aim to establish Pakistan as a leader in this emerging technology.

The signatories of this agreement are Lahore University of Management Sciences (LUMS), National University of Science and Technology (NUST), Institute of Business Administration (IBA), Comsats Institute of Information Technology (CIIT), National University (FAST) for their campuses in Islamabad, Lahore and Karachi, Mehran University of Engineering and Technology (MUET) Jamshoro.

Teradata Certification Program in Pakistan develops specialized skill set and awareness in data warehousing market to the extent of having 200 Teradata Certified Professionals and 12 Teradata Masters in Pakistan, which is increasing as we speak.

NCR CENTER OF EXPERTISE PAKISTAN — CONSULTING EXCELLENCE

NCR is the first multinational in Pakistan to have the honour of being awarded the status of a Center of Expertise for Data Warehousing in Middle East & Africa Region for NCR Corporation. NCR Pakistan has implemented successful projects and handled pre-sales activities in Bahrain, Dubai, Saudi Arabia, Kuwait and Lebanon. This ensures diverse exposure of human resource potential in Pakistan to the international exposure and in developing their skill-set and expertise in various industries.

Effective December 2004, NCR Center of Expertise coverage expands to cover Europe Region as well. Acting as a Center of Expertise, skilled IT personnel from NCR Pakistan will work with various NCR offices in the Middle East and Africa & Europe region, to implement Data Warehousing projects in different countries. This will not only be a source of foreign exchange earnings for Pakistan, but also establish the credentials of Pakistan as a leader in the field of Data Warehousing.

On the European front, NCR Pakistan associates are deployed in Sweden, Czech Republic, Finland and United Kingdom, while being involved in pre-sales activities with Germany and France. These associates are assigned work from Pakistan and after accomplishing these projects they are re-assigned to different projects. These dedicated efforts will surely help in projecting a positive image of Pakistan abroad.

IT EXCELLENCE AWARDS — RECOGNIZING EXCELLENCE

Another feather in NCR's cap is the concept of recognizing achievements of IT professionals and people associated with IT whether journalists, youth, exporters, researchers, educationalists, pioneers, etc through NCR IT Excellence Awards. Serving as a talent pool of individuals within Pakistan, which the country can rely on to develop IT, to revive and strengthen the economy, IT Excellence Awards has created quite a wave in the IT industry bringing glamour and motivation into this profession. The keen interest shown by the community in the awards program is testimony to the fact that there is a dearth of recognition programs in our country and we need to promote such activities regularly to keep motivating people to excel in their field of work. The winners are awarded gold medals, certificates and IT Awards and their achievements are highlighted at a grand ceremony. Initiated in 1997, IT Excellence Awards go a long way towards promoting the cause of Information Technology in Pakistan and more importantly encouraging professionals to develop deeper association with the country, which recognizes their talents and capabilities. The awards are given in the following categories: Software Development, Software Export, Networking, IT Pioneer, IT Educationist, IT Research & Development, IT Publication and IT Youth. Lifetime Achievement Awards is a new category that has been introduced from 2002 onwards. These awards also provide initiative for others within Pakistan to follow. The NCR IT Excellence Awards process is verified by international auditors of world repute.

NCR PAKISTAN — ANALYST VIEWS

In the report and industry study of Merrill Lynch on IT & Telecommunications Investment opportunities in Pakistan, NCR and Teradata are mentioned as the leaders in the field of Data Warehousing and Call Center. In a separate section entitled Emerging Avenues for Investments in Pakistan, Data Warehousing and Call Center are the two top avenues and NCR is the only company mentioned for both segments in the report. By giving this reference, the report acknowledges the leadership position of NCR and Teradata and its efforts in Pakistan. NCR has been successfully advocating and delivering these two concepts in Pakistan. NCR offers the most broad and visionary CRM suite for the networked economy — designed for optimal performance with the world's most powerful relationship engine, the Teradata Active Data Warehouse. NCR's Data Warehousing solutions deliver a wide range of sophisticated analytics, systems hardware, software and support, which turn your customer database into your most powerful business tool. Much of NCR Pakistan's business has come from existing users of EDP Systems, which goes to show their confidence and belief in NCR's stability and continued support.