COMMUNITY EMPOWERMENT Presents :

1. COMMUNITY EMPOWERMENT Presents: Transfert d’Argent: Présentation des différentes formes de transfert disponibles pour les clients 4 octobre 2011, 15h00 – 16h00 heure de Paris (GMT +2) Presented by: Isabelle Berner (Tagattitude Marketing Director) & Charles Ozanne (Tagattitude Director of Projects)

2. PARTNER WEBINAR OCT. 2011 Client Money Transfer: Managing the various channels and types of transfer available to Clients • Introduction • Account Types • Transfer Types • Transfer limits • Fees/Commissions management • Q&A and Wrap-up ? Submit questions or comments via private chat throughout the presentation and Tagattitude will address questions and comments submitted during the Q&A session at the end.

3. Introduction • Types of Transfer • Transfer: Account-to-Account • Send Cash: Account-to-Cash / Cash-to-Cash • Gift: Account-to-Prepaid / Prepaid-to-Prepaid • Transfer channels: • Agent (POS or e-tagpay) • Client web interface • Client IVR • Client SMS • API

4. Administrating Transfers The Admin is responsible for: • Client Class of Service (COS) • Types of transfer • Min/Max • Merchant COS • Prepaid account • Agent COS • Cash out from transfer • Server COS • Cash transfers • Configuring Fees/Commissions on Transfers

5. PARTNER WEBINAR OCT. 2011 • Client Money Transfer: Managing the various channels and types of transfer available to Clients • Introduction • Client Account Types • Account-to-Account Transfers • Account-to-Cash Transfers • Cash-to-Cash Transfers • Gifts • Setting and managing transfer limits • Managing the Fees and Commissions for Transfers • Q&A and Wrap-up

6. Client Account Types Pending Cash-out account e-Wallet account prepaid account 1 … prepaid account N…

7. Merchant COS: Prepaid accounts parameter • In the Merchant COS the admin can define whether Clients can have prepaid accounts with Merchants belonging to this class of service. prepaid account 1 prepaid account

8. Server COS: Account-to-Cash parameter Pending Cash-out account • In the Server COS the admin can define whether Cash transfers are offered on the platform.

9. PARTNER WEBINAR OCT. 2011 • Client Money Transfer: Managing the various channels and types of transfer available to Clients • Introduction • Client Account Types • Account-to-Account Transfers • Account-to-Cash Transfers • Cash-to-Cash Transfers • Gifts • Setting and managing transfer limits • Managing the Fees and Commissions for Transfers • Q&A and Wrap-up

10. Account-to-Account Transfer Sender TagPay accounts Recipient TagPay accounts Account-to-Account Transfers e-Wallet account e-Wallet account prepaid account 1 prepaid account 1 prepaid account N prepaid account N

11. Account to Account Transfer Channels • Via Client Web interface • Via Client SMS (coming soon) • Via Client IVR

12. Demo: Account-to-Account Transfer via IVR

13. Demo: Account-to-Account Transfer via IVR • Video recap: • Client Calls IVR • Presses 1 to transfer funds • Presses 1 to transfer to a new or existing account • Enters passcode • Enters the amount of the transfer • Enters the recipient phone number • Presses # to confirm the transfer • Presses 1 to receive a text message confirming the transfer (optional)

14. PARTNER WEBINAR OCT. 2011 • Client Money Transfer: Managing the various channels and types of transfer available to Clients • Introduction • Client Account Types • Account-to-Account Transfers • Account-to-Cash Transfers • Cash-to-Cash Transfers • Gifts • Setting and managing transfer limits • Managing the Fees and Commissions for Transfers • Q&A and Wrap-up

15. Account-to-Cash Transfer Sender TagPay accounts Cash withdrawal account Account-to-Cash Transfers Pending Cash-out account e-Wallet account prepaid account 1 prepaid account N …

16. Account-to-Cash transfers • Via Client web interface • Via Client IVR • Via Client SMS

17. Demo: Account-to-Cash Transfer via SMS

18. Demo: Account-to-Cash Transfer via SMS • Video recap: • Client sends SMS to TagPay with “sendcash recipient# amount” • TagPay calls Client and asks them to confirm the transfer by entering their passcode. • The transaction is confirmed and the withdrawal code is shared with the sender via the IVR. • The sender must note this withdrawal code and share it with the recipient.

19. Recipient can withdraw the transfer from an Agent • The Agent must be authorized to cash out from transfer in their COS • Agent may use: • TagPay1600 • e.TagPay

20. Demo: Cash withdrawal via Agent’s e.TagPay terminal

21. Demo: Cash withdrawal via Agent’s e.TagPay terminal • Video Recap: • Agent first logs in to their e.TagPay terminal web interface (login protected by NSDT) • Agent clicks on “Cashout Transfer” icon • Agent enters the amount of the cash withdrawal and the transfer recipient’s phone number • TagPay calls the transfer recipient and asks them to provide the 5 digit withdrawal code via DTMF • The IVR then asks the recipient to bring their phone towards the Agent’s computer where it “hears” the NSDT signal signing the withdrawal transaction • Confirmation appears on the Agent’s interface and is sent to the Client via SMS

22. PARTNER WEBINAR OCT. 2011 • Client Money Transfer: Managing the various channels and types of transfer available to Clients • Introduction • Client Account Types • Account-to-Account Transfers • Account-to-Cash Transfers • Cash-to-Cash Transfers • Gifts • Setting and managing transfer limits • Managing the Fees and Commissions for Transfers • Q&A and Wrap-up

23. Cash Transfer Agent TagPay accounts Cash withdrawal account Cash-to-Cash Transfers Pending Cash-out account Deposit account Commissions account … Sender Gives Agent Cash Recipient #

24. Cash-to-Cash transfers • Via Agent’s E.TagPay terminal (coming soon…) • Via Agent’s TagPay1600 terminal

25. Demo: Cash-to-Cash Transfer via Agent’s TagPay1600 terminal

26. Demo: Cash-to-Cash Transfer via Agent’s TagPay1600 terminal • Video Recap: • In the Agent’s TagPay application on their 1600 terminal they select “cash-in” from the main menu • Selects “to transfer” • Agent enters their PIN code • Agent enters the transfer amount • Sending Client enters their own phone number • Transfer amount and fees are displayed and the sender enters the recipient’s # • After confirming the details entered, the sending client is called by the platform and signs the cash transfer by placing their phone in the Agent’s terminal • The withdrawal code is displayed on the Agent’s terminal and must be noted by the sender who will then share it with the recipient.

27. PARTNER WEBINAR OCT. 2011 • Client Money Transfer: Managing the various channels and types of transfer available to Clients • Introduction • Client Account Types • Account-to-Account Transfers • Account-to-Cash Transfers • Cash-to-Cash Transfers • Gifts • Setting and managing transfer limits • Managing the Fees and Commissions for Transfers • Q&A and Wrap-up

28. Gift Sender TagPay accounts Recipient TagPay accounts Gifts e-Wallet account e-Wallet account prepaid account 1 prepaid account 1 or prepaid account N prepaid account N

29. Gifts • Via Client web interface

30. Demo: Sending a gift via the Client’s web interface

31. Demo: Sending a gift via the Client’s web interface • Video Recap: • Client logs in to their web interface • Clicks “Send Gift” icon • Clicks “see more” to view the complete list of merchants • Clicks the gift icon in the row of the merchant they wish to send a gift for • Enters the amount of the gift and the recipient’s phone number • (optionally) enters a text message for the recipient and a memo for their records • Confirms gift: Recipient is notified by SMS

32. Transfer types and Channels Recap Channel/Interface Transfer Type

33. PARTNER WEBINAR OCT. 2011 • Client Money Transfer: Managing the various channels and types of transfer available to Clients • Introduction • Client Account Types • Account-to-Account Transfers • Account-to-Cash Transfers • Cash-to-Cash Transfers • Gifts • Setting and managing transfer limits • Managing the Fees and Commissions for Transfers • Q&A and Wrap-up

34. Setting transfer limits • Two sets of min/max values in the Client COS • Limited = initiated or pending accounts • Standard = open accounts

35. Defining transfer limits in the Client COS

36. Client Account state: limited or standard min/max are applied accordingly

37. PARTNER WEBINAR OCT. 2011 • Client Money Transfer: Managing the various channels and types of transfer available to Clients • Introduction • Client Account Types • Account-to-Account Transfers • Account-to-Cash Transfers • Cash-to-Cash Transfers • Gifts • Setting and managing transfer limits • Managing the Fees and Commissions for Transfers • Q&A and Wrap-up

38. Transfer Fees & Commissions • Fees and commissions are labled according to: user_channel_transaction. When a second party is implicated this is indicated with a ":" followed by the party type (e.g. :agent) • In the case of transfers: • user = Client • Channel = ivr, SMS, POS(includes e-tagpay), web, API • Transaction = gift, transfer, transfertocash, cashtotransfer, cashfromtransfer • 2nd party = merchant, agent

39. Transfer Fees & Commissions (list not complete)

40. PARTNER WEBINAR OCT. 2011 • Client Money Transfer: Managing the various channels and types of transfer available to Clients • Introduction • Client Account Types • Account-to-Account Transfers • Account-to-Cash Transfers • Cash-to-Cash Transfers • Gifts • Setting and managing transfer limits • Managing the Fees and Commissions for Transfers • Q&A and Wrap-up

41. Wrap up • Three types of accounts that clients can have: e-wallet, prepaid, cash • How to use the merchant COS in the admin interface to control whether prepaid accounts are available to clients • How to use the server COS in the admin interface to control whether cash transfers are available to clients • Demo: Account-to-account transfer made by a Client using the IVR • Demo: Client initiating an account-to-cash transfer via SMS and completing it via IVR • Demo: Recipient of a cash transfer withdrawing funds from an Agent using their e.TagPay terminal • Demo: Cash-to-cash transfer being made by an Agent using their TagPay1600 terminal • Demo: Client sending a gift (prepaid account transfer)using the Client web interface • How an administrator can define transfer limits for a Client COS that vary based on the Client’s account status (initiated, pending, open) • How the fees and commissions interface for the Administrator functions • Fees and commissions pertaining to the various types and channels of transfer

42. Q&A Submit questions or comments via private chat. Tagattitude will address as many questions as possible.

43. Upcoming Webinar… Thank you for your participation. • Next month’s webinar: • Version 3.3 release: New features, functionalities, and improvements • French Webinar: Tues Nov 1, 3pm Paris time (GMT +2) • English Webinar: Weds Nov 2, 3pm Paris time (GMT +2)