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Cell Phone

Kiosk PC Wallet Cell Phone Located in Marlborough, MA 65 employees worldwide Privately owned Global electronic payments Highly secure & scalable Multi-lingual & multi-currency Ideal for the un-banked consumer Provides identity protection Management Team:

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Cell Phone

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  1. Kiosk PC Wallet Cell Phone

  2. Located in Marlborough, MA • 65 employees worldwide • Privately owned • Global electronic payments • Highly secure & scalable • Multi-lingual & multi-currency • Ideal for the un-banked consumer • Provides identity protection

  3. Management Team: Joseph Barboza, President & CEO Robert J. Bowdring, VP, Finance and CFO Frank J. DeCaro, VP of Business Development Paul D. Creme, VP and General Counsel St. Jones®, VP of Marketing Dennis Bache, Director of Sales Elena Savolainen, Director, Customer Support Al Butler, Director of Engineering Ildar Khamitov, Ph.D., Director, Software Engineering, St. Petersburg, Russia Board of Directors: Ivan Kouznetsov, PHD, Chairman Joseph Barboza, President & C.E.O. Sergey Bodrunov, General Director Aerospace Equipment Corp. Art Feather, VP, Cisco Systems Inc. Natalia Karelina, Treasurer, Tavrichesky Bank

  4. PayCash enables multiple mobile transactions from multiple payment sources (bank, debit, credit) Source: Cyphermint

  5. Over 100,000 locations worldwide

  6. 1000 units installed • Financial and eCommerce portal • Advertisements and couponing • 80 clubs in the US and Canada • Air, car and hotel reservations • Advertisements • 4000 locations by 2008 • Per transaction revenue model • Advertisements and couponing

  7. PayCash Mobile Components Mobile Services Internet Kiosk Services PM-XML PM-API PM - XML Text Messaging TEXT_MESSAGING Support Account Management Merchant Payment System Consumer Account Management Merchant Account Management PM-APE PM-APE PAYCASH GLOBAL eCommerce eCommerce ..

  8. Mobile applications • Balance inquiry • Transfer funds • Remittances • Ideal for the un-banked demographic • Shopping • Bill payment • Custom menu • “QuickPay” feature

  9. PayCash eWallet: Cash based Internet payments • 6.5MM users worldwide • 1024-bit encryption • PayCash Kiosk: Self-service transactional & informational systems • PayCash Mobile: Cellular based payments

  10. Aite Group reveals that by 2010, over 1.3 billion walk-in bill payments will be performed in the United States, including cell phone top-up, up from about 1.0 billion in 2005. Walk-in bill payment processors will generate US$1.9 billion in revenues by 2010, up from US$1.1 billion in 2006. Twenty-two vendors are mentioned in this report, including: Walk-in Bill Payments: The Prepaid Storm American Express, American Payment Systems (CheckFree), ACE Cash Express, Alliance Data Systems, Blackstone Calling Cards, Coinstar, Debisys (Emida), Discover, E-Time System, Fidelity Express, Global Express, PaySpot (Euronet), Incomm, IPP of America, MasterCard, MoneyGram, Pay-O-Matic, Precash, Pre-Solutions, Western Union (First Data), Visa U.S.A., and ViaOne Technologies.

  11. $300* Billion in Global Transfers 2006: $9* Billion Fees(*est.) Remittances to LAC exceeded $45 Billion in 2006 (IADB) up 51%since 2004 Est. $30 B to Mexico

  12. International remittances are a large and rapidly growing market This chart shows a 100% increase in remittances to Mexico from 2001 to 2005, which has created competitive price pressure on the leaders. Everyreceiving country has seen tremendous growth. Mexico is the volume leader due to it's population size and proximity to the US. Source: IADB

  13. Will Hispanics use M-Remittances? Mobile plays a much more significant – and faster-growing – role in the lives of Latino consumers than it does in those of Non-Hispanic White consumers, both for voice… Highest remitting Group is also highest mobile user group! ...and data services (Telephia 2006) On average, Hispanics generate $15 more ARPU per month than non-Hispanics ($90 vs. $75) (Pew Internet & American Life Project, Associated Press, AOL cell phone survey. March 8-28, 2006 )

  14. Hyper-growth Market Dissatisfied customer base Mobile Remittances preferred over cash High Value-Add Huge Price Advantage Large Revenue Opportunity Installed base of 3B handsets 1:1 Marketing Channel Low churn rate Foundation for Future Applications Kernel for new Ecosystem YES! Is it the Killer App?

  15. Works on any Internet enabled mobile device • Patented digital signature technology • Real-time transactions • Linked to credit, debit or gift card • Secured by server side authentication • Merchants do not need new hardware

  16. PM-API can be leveraged by merchants who want to provide their customers a mobile solution without migrating their customers to PayCash Mobile. PayCash Mobile - API

  17. Differences PM-APE and PM-API

  18. Remittances • 1 of every 10 persons is involved worldwide • Estimated to be US$300 billion a year • Bill Payment • 13.1% compound annual growth • Expected to be 302.4 billion by 2009 • Mobile • Expected to be 15% of online revenue • 39 billion in revenue estimated by 2009 • Kiosk • The compounded growth rate for kiosks in the United States is expected to average 17% per year over the next four years.

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