SBS JP

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2 SBS JP

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4 SBS JP ACS ACIS SBS JP SBS JP SBS JP Ugland House P.O. Box 309 Grand Cayman KY Cayman Islands Royal Bank of Canada Trust Company (Cayman) Limited 4th Floor, Royal Bank House 24 Shedden Road, George Town Grand Cayman KY Cayman Islands M

5 (Best Under a Billion) % 8% 2% % 60% 17% public key infrastructure SM Prime Holdings, Inc. SM e-plus Tap to Pay SM 48 SM SM SM (Mall of Asia) SM SM 3

6 AFC AFC AFC AFC e-plus Tap to Pay IVIE AFC 4

7 % % ,532 73,323 73% 75,604 68,288 11% 38,983 40,814-4% 5,204 11,935-56% 246, ,360 27% AFC SM AFC SM 20% 5

8 8% 121, ,020 58% 49% AFC 11% 96,46586, % 23,72423,

9 AFC 7

10 SM Prime Holdings, Inc. e-plus Tap to Pay SM 16, e-PLUS Tap to Pay e-plus Tap to Pay MIFARE MIFARE (ACT CANADA)IVIE IVIE AFC Abiria 8

11 ACR39T-A1 ACR39T-A3 SIMACR39T-A1 ACR39T-A3 ACR39T-A1 ACR39T-A3ISO 7816 SIM GSM11.11 T=0 T=1Micro-SIM CE FCC RoHs Microsoft WHQL 600 Kbps PC/SC CCIDACR39T-A1 Windows Linux Mac Android ACR39T-A1 ACR39T-A3 micro-usb OTGAndroid ACR39T-A3 ACR35 NFC MobileMate 9

12 ACR32 MobileMate ACR35 NFC MobileMate ACR32 MobileMate + ACR35 NFC MobileMate + NFC ISO 7810/ISO mm LED DUKPT AES-128 ios 5.0 Android 2.0 App StoreACS MobileMate AppGoogle Play ACR32 USB 2.0 Windows Linux Mac ISO 7816 A B CT=0 T=1 MCU ACR35ISO A BMIFARE FeliCaISO/IEC NFCACR35 USB ACR32 ACR MHz (RFID)ISO14443 ISO18092 NFCNFC NFC 10

13 APICTA APICTA HKCS HKCS HKCS APICTA SCA SCA SCA SCA NFC 11

14 NFC Cardware NFC Bootcamp Cartes 2014 Cartes 12

15 NFC AFC SM AFC AFC AFC SM 13

16 EMV ATM BSP ATM 3DES ATM3DES EMV Europay MasterCard Visa Goldpac ACS Technologies Inc. GATIEMV EMV EMVCo, LLC EMV EMV EMVEMV EMV EMV

17 GATI GATI 45%55% GATI

18 67 Future Electronics Holdings Inc.Future Advanced Electronics Limited Future Electronics (Hong Kong) Limited 56 Gemplus Technologies Asia Pte Ltd. De La Rue Systems Asia Pte. Ltd. 62 Future Electronics Holdings Inc. Future Advanced Electronics Limited 16

19 SBS JP 63 (HKSAR)

20 36 Qualcomm Technologies, Inc. Nvidia Corporation Sun Microsystems Inc. (CFA)

21 A SBS JP 16 (a) (b) 19

22 4/4 4/4 4/4 SBS JP 3/3 4/4 2/2 2/2 2/

23 A.6.5 SBS JP SBS JP 21

24 (i) SBS JP 2/2 SBS JP 3/3 4/4 2/2 2/2 22

25 (i) (1) (2) (3) (4) (ii) 15(a) 0 1,000, ,000,0011,500, SBS JP 23

26 (ii) SBS JP 1/1 0/0 2/2 3/3 3/3 (iii) SBS JP 24

27 (iii) SBS JP 2/2 2/2 SBS JP 1/1 2/2 0/0 1/1 2/2 (iv) 25

28 (v) 616, (i) (ii)(iii) (iv) 26

29 15 F

30 1/1 1/1 1/1 SBS JP 1/1 0/1 0/0 1/1 1/1 28

31 (Restriction of Hazardous Substances Directive) RoHS (Registration, Evaluation, Authorization and Restriction of Chemical Substances) REACH REACH REACHREACH RoHS 2002/96/EC (Waste Electrical and Electronic Equipment) WEEE WEEE AFC AFC 55% AFC 37 29

32 130 30

33 29 Philippine General Hospital Child Haus Foundation

34 360 60% (Final Year Project) 2014 GBS JP 32

35 % 49% 13% 41% 5%

36 (i) (ii) ,724,000 23,203,

37 SBS JP SBS JP 35

38 XV XV ,768,000 56,930, ,698, % 3 56,930,522 80,768, ,698, % 157, , % SBS JP 400, , % ,768,000 56,930, ,930,522 80,768,000 36

39 XV XV

40

41 ADVANCED CARD SYSTEMS HOLDINGS LIMITED 39

42 40

43 6 246, ,360 (124,466) (81,340) 121, , , (20,712) (19,218) (37,895) (32,498) (37,246) (34,292) 8 (612) (759) (205) 9 26,579 27, (2,855) (4,025) 23,724 23,203 (559) 820 (491) (903) ,821 24,

44 16 7,763 7, ,875 32, , , ,414 40, ,118 44, ,129 31, ,671 48, , , ,819 26, ,336 36,341 1,758 1,028 67,913 63,935 63,060 60, , , , , ,087 99, ,406 28, ,681 71, ,087 99,947 42

45 17 14,004 14, ,456 42, ,928 43, ,645 42,944 60,649 56, ,406 28, ,243 28,542 60,649 56,948 43

46 26,579 27, ,735 8, ,369 4, (213) (419) ,087 42,409 41,975 5,152 (10,410) (20,890) (11,990) (1,511) (1,310) (8) 86 25,152 18,351 (3,267) (7,273) 21,885 11,078 (2,717) (15,172) (11,186) (3,165) (377) (5,009) (2,662) (35) (26,060) (13,514) 44

47 (5,681) (4,261) (1,339) (759) 19,232 30,000 (20,237) (7,877) (8,025) 17,103 (12,200) 14,667 48,614 34,223 (743) (276) 24 35,671 48,614 45

48 * * * * * ,406 17,955 4, ,070 4,261 80,074 (4,261) (4,261) (4,261) (4,261) 23,203 23, ,314 24, (5,681) 5,681 28,406 17,955 4,496 1,706 41,703 5,681 99,947 (5,681) (5,681) (5,681) (5,681) 46

49 * * * * * ,724 23,724 (559) (559) (491) (491) (559) (344) (903) (559) 23,380 22, (5,681) 5,681 28,406 17,955 4,496 1,147 59,402 5, ,087 * 88,681,000 71,541,000 47

50 1. Ugland House, P.O. Box 309, George Town, Grand Cayman, Cayman Islands, British West Indies

51

52

53 % 25% 25% 25% 51

54 (i) (ii) (iii) (iv) (v) (vi) 52

55

56

57

58

59 (a) (b) (c) (d) 57

60

61 ,

62

63

64 (a) (b) 62

65 (a) (b) (i) (ii) (i) (a) (b) (c) 63

66 (ii) (a) (b) (c) (d) (e) (f) (g) (i) (i)(a) (i) (ii) (iii)

67

68 (a) (b) 66

69

70 (i) 68

71 4. (ii) (iii) (iv) (v) (vi) 69

72 4. (vii) (viii) (ix) 70

73 5. 246, ,360 28,202 28,257 (205) (1,418) (1,029) 26,579 27, , ,859 2, , ,654 66,609 62,885 1,758 1,028 1, ,300 64,707 * 14,104 13, (213) (419) * 37,895 32, ,087 25,347 13,848 * 9,315,000 8,237,000 71

74 5. (i) (ii) # 29,707 24,893 51,000 37,494 32,572 35, ,346 29,222 52,927 27,155 3, ,771 77, , , ,467 4,122 2, , ,360 55,122 39,498 # 8 72

75 5. 10% A* 31,329 29,206 B* 1,208 1,740 C # 29,093 D 51,367 26,388 * A B # 10% , , , , , ,

76 8. 1, (727) % N/A 9. 9,315 8, ,735 8, ,705 80, ,087 4,369 4, ,663 4,108 (159) (140) 4,504 3,968 2,433 1,

77 10. 2,541 3, ,569 3, (86) (192) (75) 196 3,036 4, (181) (763) 2,855 4, % 16.5% 30% 30%2% 2% 75

78 10. 26,579 27,228 4,187 4, (55) (69) (1,283) (1,108) (743) (250) 5 (25) (5) 2,855 4, (147) (48) 11. (147) (48) 23,724,000 23,203,000 9,382,000 7,971,000 76

79 ,681 5, ,681 4, ,724, ,058,000 23,203, ,058,000 23,203, ,059, ,058,000 1,000 77

80 14. 64,857 54,745 3,194 2, ,165 57,415 (12,966) (9,670) 55,199 47, (a) * 1,800 1,800 1, ,066 1, ,097 (i) (ii) (iii) (iv) , ,345 78

81 15. (a) * 1, , ,137 1, , , ,577 * (i) (ii) (iii) (iv) 79

82 15. (b) 1,704 1, ,738 1, ,000, ,000,0011,500,

83 16. 2,608 1,333 14,707 9,004 27,652 (1,891) (1,061) (9,130) (5,992) (18,074) ,577 3,012 9, ,577 3,012 9, , ,662 (1) (227) (228) (594) (167) (2,535) (1,508) (4,804) ,517 2,149 7,238 2,809 1,554 15,915 9,649 29,927 (2,535) (1,256) (11,398) (7,500) (22,689) ,517 2,149 7, ,517 2,149 7, ,512 1, , (1) (107) (15) (123) (333) (136) (2,439) (1,342) (119) (4,369) (2) (4) (26) (6) (38) ,503 2, ,763 2,837 1,593 18,044 9, ,234 (2,831) (1,369) (13,541) (7,612) (118) (25,471) ,503 2, ,763 81

84 17. 14,004 14,004 46,456 42,741 18,000,000 ^ 100 Advanced Card Systems Japan Limited* 100 1, ^

85 17. * 14,000, * 3,500, ^ ^ ^ 100 * ^

86 18. 56,866 56,866 (27,555) (27,555) 29,311 29,311 29,311 29,311 11,186 11,186 (8,237) (8,237) 32,260 32,260 68,052 68,052 (35,792) (35,792) 32,260 32,260 32,260 32, ,470 1,923 4,393 15,899 15,899 (9,315) (178) (242) (9,735) ,844 2,325 1,706 42,875 83,951 2,503 1,950 88,404 (45,107) (178) (244) (45,529) 38,844 2,325 1,706 42,875 84

87 , ,972 1, % 18.8% 85

88 20. 2,717 (205) 2,512 Goldpac ACS Technologies Inc. GATI 87, GATI GATI GATI 3,696 1,572 5,268 6,871 (4,960) (1,596) 5,583 86

89 20. 1 (23) (433) (455) 45% (205) GATI GATI GATI 5,583 45% 2, ,642 25,664 1,370 1,346 17,106 17,084 40,118 44,094 87

90 22. 47,089 27,571 (685) (239) 46,404 27,332 4,487 1,240 1,792 1, ,510 1,328 (64) (66) 54,129 31, ,199 15, ,283 2, , ,743 7, ,904 46,404 27, , ,000 64,000 66, ,000 2,000 66,000 88

91 (2) (2) ,739 15, ,103 9, , ,876 46,404 27,332 89

92 22. 1,189,00064,000 66,000 4,423,000 1,174, % 1.050% 69,000 71, ,203 35, ,618 35,671 48, % 1.25% 4.75% ,972,000 13,090,000 90

93 25. 14,981 11,841 8,206 8, ,487 6, ,145 30,819 26, ,401 8, ,694 2, ,981 11,841 12,992 22,344 36,341 35,336 36,341 91

94 26. 26,356 13,997 8,980 13,364 8,980 35,336 36,341 (i) (ii) 92

95 (218) (70) (475) (763) 10 (48) (48) 511 (118) (475) (82) , (45) (61) (200) (181) 10 (147) (147) (256) (659)

96 27. (915) (593) 1, (82) 8,828,000 16,008,000 8,384,000 16,008, ,000 10% 4,139, , ,000 84,000 94

97 , % (3) 477 (60) 491 (63)

98 28. 1, (403) (307) (14) (19) (23) (14) (15)

99 (60) (19) (23) (22) (32) 1, %95.0% E.M. Zalamea Actuarial Services, Inc. International Actuarial AssociationActuarial Society of the Philippines International Association of Consulting Actuaries 36%54% 737, , % 6.38% 5.00% 5.00% 55% 55%

100 (155) 183 (78) (147) 87 (75) (9) 9 (4) ,000, ,000 1,000, , ,058 28, ,058 28,

101 30. 4,259 (4,259) 0.24 (a) (b) (c) 99

102 31. 17,955 2,616 4,261 24,832 (4,261) (4,261) (4,261) (4,261) 7,971 7,971 7,971 7, (5,681) 5,681 17,955 4,906 5,681 28,542 (5,681) (5,681) (5,681) (5,681) 9,382 9,382 9,382 9, (5,681) 5,681 17,955 8,607 5,681 32,

103 31. A ,300,000 6,577,

104 (a) 4,393 1,933 (b) 2, (3,527) (1,110) 4,631 (c) 1,946 6,577 6, (3,145) (267) 3,165 (a) (b) (c) 1,923,0002,470,000 2,629,000 5,300,000 2,671,

105 32. (d) (e) (f) 411,000 3,656, % 1,000,000 1,241, , , , ,

106 33. 3,663 2,540 2, ,754 2,982 7,884 8, ,001 8, ,539,000 73,667,

107 ,404 27,332 4,423 1,174 35,671 48, ,456 42,741 86,498 77,120 46,604 43, ,567 77,191 46,604 43,025 14,981 11,841 11,351 8, ,336 36,341 61,668 56,

108 ,968 16, ,586 2,134 (213) (5,070) (4,890) 9,112 23,003 (2,756) 6,997 10, ,540 6,143 (229) (4,418) (3,657) 7,410 19,251 2,

109 (6) (6) 173 5% 211, ,

110 % 0.5% 13,000 7,000 13,000 7, ,539,000 73,667,000 22% 27% 108

111 ,981 11,351 * 35,336 61,668 11,841 8,356 * 36,341 56,538 * 36,129,000 38,163,

112 ,988 9,141 15,081 13,941 9,141 26(i)

113

114 246, , , ,488 93, ,466 81,340 74,009 57,043 43, , ,020 86,846 60,445 50,643 49% 58% 54% 51% 54% 23,724 23,203 16,874 5,119 4,434 10% 12% 10% 4% 5% 187, , , ,018 81,741 70,300 64,707 47,790 45,053 24, ,087 99,947 80,074 62,965 57,

342C Advanced Card Systems Holdings Limited * 2086 11 26 * ..................................................... 1....................................................... 3...........................................................

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