OneLoad Facilitating Digital Payments

OneLoad Benchmarks First Fintech in PK to cross Rs 1 Bn throughput! Annualized throughput Oct 2016 of PKR 1.5 Billion Run Rate of 5.4 MM Transactions as of Sep 2016 Current burn ratio is PKR 40 Million (US$ 0.4 Million) Full scale launch in mid July 2016 No spending on Advertising and Marketing to date Beyond Seed Capital and Runway Taxi Stage

OneLoad Sale Transactions

OneLoad Volumes

Number of Active Retailers

Increasing % of e-Load

OneLoad Vision Market Leader in Formal and Informal Sector Electronic Financial Interactions (B2C) Retailer OTC Services (C2B) Consumer to Retailer Payments (C2C) Consumer to Consumer Transfers

Building Relationships… Locking in Digital Services

Building Relationships… Retailer Delivering Services

Building Relationships… Creating a Network Effect

Using OneLoad Service Credit Payments and Aggregation of eServices Digital Services NADRA - Bill Payments Mobile Phone - Top-Ups Gift Vouchers – Amazon, Google… Tickets – Cinema, Bus, Railway… OneLoad PrePaid Accounts MFS Offerings Money Transfers – Omni, EasyPaisa IBFT to Bank Account Other Services Transfer to other OneLoad users Pay - M-Commerce Retailers Pay - E-Commerce Retailers

Unit Economics and User Benefits Throughput a metric of OneLoad income Target of 0.5% of throughput for “end” transaction Retailer benefits Lower working capital (30% or more) Minimal upfront investment No physical or non-fungible inventory Consumer benefits Replace cash with electronic credit – safer and easier to use Loyalty programs net benefit to consumers Credit transfer between consumers free of charge Alerts and bill presentments create ease of use Net lower cost P2P transfers even when cash is involved