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Disclaimer
 This presentationTERBIT PTE. LTD.on is for information purposes only and is designed to serve as a
general overview of Singapore products and services. The products and services offered are current as
today and may be subject to change in the future. This presentation and the general description of the
products and services are in their nature only illustrative and do not therefore contain or cannot result in any
obligation or liability (contractual or otherwise) of TERBIT PTE. LTD. Singapore or any of its global affiliates.
 The products and services described in this presentation are provided by TERBIT PTE. LTD. Singapore or
one of its more appropriately licensed subsidiaries or affiliates in jurisdictions around the world in accordance
with appropriate local legislation and regulation. This presentation has been approved and/or communicated
by TERBIT PTE. LTD. Singapore
 This presentation is subject to international copyright ©. No part of this publication may be reproduced
without the consent of TERBIT PTE. LTD. Singapore. All rights are reserved, whether the whole or part of
this material is concerned, including the rights of translation, reprinting, reproduction, electronic and other
dissemination and reuse of illustrations, diagrams, formulae and other content. © TERBIT PTE. LTD.
Singapore
 TERBIT PTE. LTD. Singapore shall not assume or accept any responsibility or liability of any kind for the
truth, adequacy, accuracy, completeness or reasonableness of, and make no representation, warranty or
undertaking (express or implied) with respect to the information contained in (or any omissions from) this
presentation. Neither TERBIT PTE. LTD. Singapore nor any of its directors, officers, employees, agents,
representatives or professional advisors shall be liable for any direct, indirect or consequential loss or
damage suffered by any person as a result of any errors or omissions from the presentation or relying on any
statement contained in the presentation. TERBIT PTE. LTD. Singapore reserves the right, without prior
notice and at its own discretion to terminate discussions or the delivery of any further information to the
recipient at any time

2. Page 2These materials are the copyright (2015) of PT. Terbit Pte. Ltd - Singapore and any dissemination, distribution, or unauthorized use is strictly prohibited: tbxone.com.
TBXONE best practice solution overview

3. Page 3These materials are the copyright (2015) of PT. Terbit Pte. Ltd - Singapore and any dissemination, distribution, or unauthorized use is strictly prohibited: tbxone.com.
TBXONE from quote to payment process
Pre - Procurement
BUY QR Dutch auction
Workflow Negotiate
SELL QO Reverse auction
Sourcing -Vendor Selection - Negotiate - Contract
Procure/Order-to-Pay
PO RA PFI A/P
 Settle Q/P Settle
SO DA PFI A/R
Order-to-Cash
Post Procure
DN RI
Settle
CN RI
Deduction
Pay
RN
Settle
RN
Collect
 Commerce web-based applications: to manage the entire
commerce process end-to-end, delivered as a scalable, cost-
effective and burden-free cutting out the complexity, cost in time,
and confusion of users.
Procure/Order-to-Pay Post Procure Pay
PO RA PFI A/P DN RI RN
 Settle Q/P Settle and Confirmation
SO DA PFI A/R CN RI RN
Order-to-Cash Deduction Collect

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Collaboration

Verbal communication
Telephone & Fax
Emails
PDF’s (paper on glass)

Manual Process
From manual to online collaboration process
Order-to-Pay process
RN Pay Remittance Note
RI Create Return Invoice
DN Create Debit Notes
AP Receive Invoice
PFI Receive* Pro-forma-Invoice
RA Create Receiving Advice
PO Create* Purchase Order
Purchase process
Order-to-Cash process
Remittance Note Collect RN
Return Invoice Receive RI
Credit Notes Create CN
Invoice Create* AR
Pro-Forma Invoice Create PFI
Despatch Advice Create DA
Sales Order Receive SO
Sales process
Collaboration
 Settle Pay Due 
 Confirm Quantity 
 Settle 
 Settle 
 Settle Price 
 Settle Quantity 

Workflow
 To date, business applications have predominantly been designed to automate information and process flows within the four walls
of the enterprise. Unfortunately, these internally focused applications are less effective at connecting and streamlining processes
where commerce really occurs — between companies.
 Businesses have spent billions on technology to streamline and automate their internal operations. Yet commerce between
companies remains highly inefficient.
 Industry analysts estimate that more than 85 percent of all transactions are based on paper invoices and that 80 percent of all
commerce transactions are still completed manually. And that’s slowing down commerce and costing businesses big money in the
form of missed sales opportunities, higher operating costs, and slower cash cycles.

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Supply chain collaboration visibility is precondition
to mitigate risk in financing the supply chain
Dispute resolution
process
Qualified invoice
Remittance Notes
Irrevocable invoices
consolidated with or
without deductions
Deductions
SOX compliance to mitigate risk
on collaborative process
Guarantee of authenticity and
integrity for (tax) audit purposes
 True collaboration means having immediate access to thousands of potential trading
partners. In the cloud. Being part of TBXONE unified commerce network lets you
share best practices, and collaborate with your partners and your peers. This means
you can manage and optimize all your trading relationships in one place —
delivering greater value and efficiency for you and your partners.

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FSCM
Banking
solution
SCF Auction
KOMODO CASH
Trade solution
Flexible Cash
Discounting
Trade solution
From risk mitigation to early payments on invoices
Money Market
Formal and informal
Financiers
Receivables trade
offering
Premium Apps
to enable
Early Payments
FREE to use Apps
To mitigate risk
in supply chain
collaboration

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TBXONE unified commerce framework
FREE
to use supply chain
collaboration
risk mitigation apps
Payment Gateway apps
FREE
B2C e-commerce apps
FREE
E-commerce sites
integration
Invoice early payment
(SCF) apps
ERP connectivity apps

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TBXONE unified commerce value chain framework
Value Chain
accelerators
Centralization
Collaboration
Compliance
 TBXONE unified commerce platform: a common operating environment that all trading partners can
quickly and easily connect to, regardless of their architecture or delivery model decisions
 Best practices information, including templates, configurations, and workflows, to save time and
avoid reinventing the wheel

9. Page 9These materials are the copyright (2015) of PT. Terbit Pte. Ltd - Singapore and any dissemination, distribution, or unauthorized use is strictly prohibited: tbxone.com.
SCF (early payments) apps to accelerate growth
Flexible Cash-Discounting – initiate by buyer or seller
 Standard feature within TBXONE collaboration process where buyer can offer
and supplier can request for cash-discount from the posted receivables
 Buyer will receive a (dynamic) cash-discount at pay-out
TBX FSCM – financial supply chain management for banking industry
 Access to one or multi financial institutions and lenders
 Receivable financing, SCF and distributor financing programs
KOMODO CASH – formal and informal financiers
 Dutch auction on invoice discount value
 Financiers are mutual funders, high net worth investors, Financial institutions
(traders), and invoicing customers (buyers)

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Early payments by flexible dynamic cash discounting
 Supplier request or buyer offer cash discount (CD) before invoice has been
accepted by buyer
 Both parties can negotiate on the discount terms. At acceptance cash discounting starts
 Invoice versions created to track the negotiation
 Buyer creates a remittance note to capture CD. What is RN?
 Consolidated invoices with same due date with or without CD
 Expired deductions within same invoice due date consolidated
 Buyer set RN payment date to capture CD
 Supplier accept RN if paid
 Cash discount on respected invoices VOID if not paid on agreed
payment date +2 (transfer time)
 Flexible cash discounting is FREE and standard app on TBXONE
Due
%
(d)
e.g. 2/5 net 30 e.g. 2/30 net 30
2%
Flexible CD terms settings

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FSCM solution to financial institutions
 Vast Financial SCM experience in Indonesia
 Track-record with one of Indonesia’s largest banks using best practice FSCM solutions in
the areas of receivable, payable/SCF and distributor financing
 Bank Negara Indonesia (BNI)
 Transitional change from traditional trade finance to FSCM
 2011 – 2015 (> 20 FSCM implementations)
 Industry sectors
 Retail & FMCG (Lion Super Indo, MAP, Enseval, …)
 Construction (waskita, Semen Indonesia, cemindo...)
 Telecom (Telkom….)
 Manufacturing (Wim cycle, Bikershop…)
 Agriculture (PKG, TPS, Cargill, )
 Our FSCM solutions have been audited and approved by Bank of Indonesia (BI). BNI
Bank, a state owned enterprise, has been using our TBX FSCM since 2011
 Proof-of-concept projects over the last 5 years with other banks in Indonesia;
 ANZ, HSBC, SCB, DB, ICBC

12. Page 12These materials are the copyright (2015) of PT. Terbit Pte. Ltd - Singapore and any dissemination, distribution, or unauthorized use is strictly prohibited: tbxone.com.
TERBIT onboarding solutions
 Over the past 15 years we trained and enabled thousands of users for
our FSCC solutions, where our Terbit Rapid Adoption Program (TRAP)
was developed and now serves as best-practice user adoption
methodology.
 Achieving working-capital-improvement benefits from any SCF program
onboarding or user enablement programs is key to effective implementation.
 Collaborative change management is a one-to-many change management
process throughout company trusted network connections.
 Organizational design and transformation assistance
 Education and training to help staff make the most of the cloud environment
 Consulting and support to help bring more trading partners online
 Guiding principles on effective onboarding.
1. Train-the-trainer training program.
2. Key-users training support.
3. Trading partners training support.
4. Regular product support via social media (LinkedIn, Facebook, twitter, Google+, blogger)
5. Continued support through onsite training, and/or
6. Online support using online tools--webinars and online product training.

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Power of TBXONE is supply chain collaboration visibility
SUPPLIERS
3PL
FORWARDERS
BUYERS
MONEY MARKET
SERVICE PROVIDERS
RETAIL

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“Change is the Key to unlocking the Benefits”
TERBIT your partner in Financial Supply Chain Collaboration
solutions closing the gap where you are and where you want to
be, a partner with answers and experience. It is our job to
breakdown the most complex business processes and providing
tangible benefits to all stakeholders”
for more information please contact
info@tbxone.com

15. Page 15These materials are the copyright (2015) of PT. Terbit Pte. Ltd - Singapore and any dissemination, distribution, or unauthorized use is strictly prohibited: tbxone.com.
TBXONE Integration and security overview
FIREWALL
Web UsersFIREWALL
SFTP
AS2
WebDav
Webservices
...
Integration
(MT/Bank) Users
FIREWALL
FIREWALL
Integration
Users
• CSV
• GS1 XML
• EDIFACT
• IDOC
• SWIFT
• UBL
SFTP
AS2
WebDav
Webservices
...
• CSV
• GS1 XML
• EDIFACT
• IDOC
• SWIFT
• UBL

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TBXONE users
H Y P E R M A R T
W H O L E S A L E
 Processing more than 140,000 invoices/month
 More than 1.2 million documents/month from purchase,
delivery, receiving, returns, credit notes and increasing
 used by thousands of companies to control costs,
increase sales, minimize risk, and optimize cash flow
and operations

17. Page 17These materials are the copyright (2015) of PT. Terbit Pte. Ltd - Singapore and any dissemination, distribution, or unauthorized use is strictly prohibited: tbxone.com.
Procurement
Order-to-Pay
Pre-Procurement
Sourcing, negotiate,
vendor selection,
contract management
Qualifying
Invoice and
deductions
Financing
Cash-discount
and SCF
SCF and
dynamic cash
discount
E-invoicing
Financial
supply chain
collaboration
Type of
platform
provider
FREEMIUM
Taulia
Supply Chain Finance
Competitive comparison
McKinsey comparison on FINTECH SCF providers