mFino: Premier Mobile Financial Services

mFino Company Presentation Presented By: Sridhar Obilisetty CEO, mFino Ltd Cupertino | Jakarta | Hyderabad, India | Singapore

Based in Sunnyvale, California, mFino is a mobile financial services software company focused on delivering proactive solutions that deliver mobile financial services to any phone, and build user adoption and increase revenue. Since its incorporation mFino has focused exclusively on the development of the most scalable, flexible and modular, mobile financial service platform in the market. mFinoM-Commerce Research Team has made deep investments in understanding the current bottle necks, MFS adoption and usage curves. mFino has focused on optimizing MFS for several years to build a platform that provides enhanced user experience and increased revenue for business partners. COMPANY

PURPOSE Provide the under banked and unbanked population of the world to access their financial services using a device that everyone already owns. VISION mFino’s vision is to empower mobile network operators and financial institutions to deliver targeted mobile financial services through any device and any channel. OBJECTIVE mFino is a mobile financial services software company focused on delivering proactive solutions that deliver mobile financial services to any device, and build user adoption and increase revenue. VISION

Greater Financial Access • Enabling service providers to deliver basic financial services to the unbanked, underbanked and offer greater convenience and higher transactional velocity to the banked customers • Adoption, Usage & Retention and Increased Revenue • Merchant Enablement • Enabling merchants to accept, process payments and use various tools for revenue enhancement • Run campaigns, promotions, offers etc. • MFS Software Appliance • Quick deployment, quick time to market • Provides unified collection of tools, processes, and guidance for automating payments and offering add-on services to customers • Offers improved security and ongoing configuration management STRATEGIC FOCUS

mFino wins Kalahari Award for the Best Mobile Money Platform Wins the prestigious Kalahari Award for the Best Mobile Money Platform three times in a row

mFino wins Kalahari Award for the Best Mobile Money Platform Kalahari Awards hosted by Mobile Money Expo is given to organizations that have made significant contribution to the mobile financial sector and are poised to make considerable market impact in the future. The awards are dedicated to acknowledging creativity, commitment and excellence in the Mobile Financial Services Across Africa. mFinohas been conferred with the most Prestigious Kalahari Award for the innovative work done in the Mobile Financial Services space in Africa. “Creative and market focused features, ease of customization, quicker go-to-market etc. were few key criteria that our jury was focusing to recognise the Best Mobile Money platform andmFinofulfilled all the criteria that was required””, said Emmanuel Okoegwale Principal Associate Mobile Money Forum, Africa. © mFinoLtd.| All Rights Reserved |Confidential

Business & Market Focus Who We Are? • mFino is one of the leader in providing mobile financial services platform that enables the delivery of a full spectrum of financial services that meets the current needs of financial institutions, mobile operators, distributors and retailers. • mFino is focused on serving the banked, unbanked as well as the under-banked and making it profitable for the service providers with the best of breed transaction engine. • mFino mobile wallet adds intelligence to paper cash, it gives the user ability to set up rules, manage budgets, set restrictions, get notifications and reconcile automatically. • Powers one of the largest deployments in world handling 450000 transactions per day. THE LEADING MFS PLATFORM IN THE MARKET

Focus and Commitment Towards Innovation • Rapidly build, deploy, update and manage complex MFS functionality without an army of consultants and coders. • Provides 360˚ approach to mobile financial ecosystem. • Business Rule Driven Product Offerings | On The Fly Integrations | Extreme Configurability Innovation & Market Leadership

Agility To Market Need and Regulatory Framework Revenue Enhancement Customer Centric Products Business Driven Platform mFino BUSINESS DRIVERS

Product Portfolio

mFino Product Suite Mobile Wallet It is a digital version of a physical wallet where customers put all their cards, cash and coupons in one place and they get, access to the financial system from wherever they are. e-Top up Platform for mobile payment services and electronic top-up for Telco's, allowing them to create and manage distribution chains of prepaid airtime resellers and offer self service top-up. Mobile Banking Provides a new level of convenience without the expense of traditional channels. Mobile Commerce Contactless Allow customers to use their mobile devices for purchasing in stores without the need for cards, cash or checks. Simplifying the purchasing experience and, an increase in sales for merchants. Turns phones into seamless e-commerce channels, Allow customers to pay their fare without slowing the line. Mobile Remittance Social Media Banking Provides fast, convenient, secure, transparent and inexpensive money transfer services. Product Suite Turns mobile app into a social media bank allowing your customer to supercharge your financial service with social media. Loyalty Management Branchless Banking Let the merchants to put together programs that drive revenue and retention, or create programs. Enables customers to access their funds in a cost effective, convenient, quick and secure manner through agent networks. . Bulk Disbursement Allows you to make payments to large groups, providing money to each in the way they need it. Micro Finance Offers a wide range of features that make the delivery of microfinance services and the collection of microfinance paymentsseamless. Core Banking mFino Core Banking key platform for supporting your banking operations.

Social Media Banking Connect your customers with their networks to provide Convenient and Personal banking experience through social media Access through any mobile device | Send money to a friend anywhere | Split a payment | Send a gift | Provide access through Social Media | Talk to customer service © mFino Ltd.| All Rights Reserved |Confidential

NFC, QR Code and LBE Turn your customer’s phones into seamless m-commerce channels Use any NFC Enabled Phones, Stickers, NFC enabled Smard cards | Use any payment method | Use NFC or QR codes for purchases | Buy and present tickets for movies, sporting events, or anything else | Pay for transportation (e.g. subway, rail, taxi) | Provide PIN or biometric authorization © mFino Ltd.| All Rights Reserved |Confidential

Loyalty Management Create programs to drive revenue and retention. Launch for individual merchants or that cross all to drive customer revenue Any mobile device access | Purchase with points and/or other methods | Provide loyalty points for purchases | Define program levels | Set awards including free products, discounts, points as rewards | Send promos, loyalty alerts | Account statements | 360 degree customer view © 2015 mFino Ltd.| All Rights Reserved |Confidential

mFino Value Proposition Benefits for Service Providers • Improve ARPU through value- added services • New sources of revenue • Enhance loyalty and customer retention • Reach new market segments • Brand differentiation • Provide an innovative payment experience to customers Mobile Financial Services Develop high margin lines of business and increase customer loyalty through Mobile Financial Services

Scalability • Service Bus Architecture & Modular approach • Platform can be scaled up vertically and horizontally • Development cycle agility • Loose Coupling - definite Interfaces for Platform modules • Highly configurable Business Rules • Language, Currency, Alerts and Notifications • Template Driven • Charges and commission Rules • Loyalty and Campaign rules • Onboarding Processes • Embedded Worklist feature • Management of work Queues for Admins and other Actors • Notifications on Pending tasks etc. • Easily Deployable • Can be dropped into a Bank or Telco corporate IT infrastructure as Software appliance • Can be offered as SaaS offering • Framework based platform services deployment to enable deployment of services on the fly • Configurable Integrations with Ecosystem • Out of the box Self Integrating framework to support multiple interfaces. • Out of the box adaptable interfaces for Payment Gateways, Telco billing systems, Bank’s Core Banking systems, Online Banking infrastructure • Advanced Technology Infrastructure • Customer centric product offering through advance technology infrastructure. • Accounting • Bank Grade GL / Accounting Key Technology Differentiators

The mFino Advantage • Fast time to market • Configure transaction processes, roles and permissions, create and update mobile apps all without coding. • Rapid integration to key business systems through APIs. • Comprehensive, scalable and secure platform • Ready for your current and future needs. • No need to cobble together multiple vendor solutions. • Deploy once, reach any channel • Support for text, web and smartphone apps, ATMs, PCs, POS devices and more. • Deliver services where you need them.

Thank You Contact: info@mFino.com Cupertino | Jakarta | Hyderabad, India | Singapore

mFino: Premier Mobile Financial Services