SyntraPoint Use Cases Consumer Empowerment Date

SyntraPoint (Consumer Empowerment) Location Intelligent SyntraPoint (Consumer Empowerment) Real-time Alerts Real-time Controls Cross Channel Mobile Engagement Self Service Dynamic Incentives

SyntraPoint Usage Control & Alert Card ON/OFF Channel Controls Travel Controls Limit Controls Recurring Transaction Controls Alert Real-time multi-channel transaction alert delivery Via the appropriate digital channels, SMS, Push Messaging, In- App, Online, anywhere in the world Benefits to Issuers Revenue Up, Costs Down, Increased Customer Loyalty and Reduced Risk Promote adoption of mobile digital channel strategies and customers acquisition Customer self-service that is easy , intuitive thus minimize calls to Contact Centre Risk mitigation and fraud loss reduction as ardholders build their own ‘fraud defence system’ New technology fills gaps in legacy fraud detection systems A unified and common user experience with a single deployment

SyntraPoint Reference Customer Globe, Philippines – GogoNogo What is GogoNogo A simple, easy-to-navigate self-service security app that empower GCash Master Card holders the ability to actively control when to "turn on" and "turn off" their prepaid card (GCash MasterCard) for payments AND where and how their GCash MasterCard can be used to prevent the misuse of a lost or stolen card In 2014, MasterCard licensed GXI to launch GCash Master Card G-Xchange (GXI), a subsidiary of Mynt, is a wholly-owned financial services subsidiary of Globe Telecom that operates the telecom's flagship mobile commerce product GCash What is GCash GCash is a micro payment service of Globe Telecom. It transforms a mobile phone into a mobile wallet for safe, secure, and hassle-free mobile money transactions such as the purchase of prepaid load, bills payment, money remittance, donations, and online shopping.

SyntraPoint Reference Customer Globe, Philippines – GogoNogo /2 Step 1: Purchase GCash Master Card The GCash Master Card can be purchased from any of the 35 selected Globe Stores nationwide and roving caravans or booths for only P150 = US$3.50 Step 2: Make sure you’re registered to GCash Step 3: Activate by linking your GCash MasterCard to your Globe number Dial *143#. Choose GCash. Activate Card > Enter 16-digit Card number. Enter three (3)-digit CVC code found at the back of the card. Enter card expiry date. Don't forget to change your pin.

SyntraPoint Reference Customer Globe, Philippines – GogoNogo /3 Step 4: Transfer cash to your GCash wallet via: GCash Outlets Cash-in at Globe Stores, Puregold, VIllarica or Tambunting Pawnshops, Rural Banks, etc. Bancnet ATM Transfer funds from your Bancnet ATM account to your GCash account. Mobile Phone With your smartphone, transfer cash from your bank account to your GCash account via the GCash App. Online Bank Transfer With your PC or tablet, transfer cash from your bank account to your GCash account via the GCash Online Step 5: Swipe & Pay. Visit your favorite store or establishment accepting MasterCard and pay your purchases by simply swiping your GCash MasterCard.

Use Case for Ez Bank Master Card Remittance & Usage Control Business Challenges To have Real-Time Transaction Alerts & Controls of the Receiver in using the Ez Bank Master Card as part of financial management To address the unbanked population to receive remittance and be able to use it for purchases via the Ez Bank MasterCard over 40 million MasterCard merchant locations and ATMs worldwide

Use Case Apple Pay and Transaction Limit Apply Pay Launched American Express cards on April 19 POSB, OCBC Bank, United Overseas Bank (UOB) and Standard Chartered Bank on May 25 allowing credit and debit card  transactions Transaction Limit to prevent the abuse of lost cards UOB has already lifted the $100 transaction limit to follows the card limit instead DBS raises $100 transaction limit to $200 and eventually to do away with limits entirely SyntraPoint Empowers the Consumer To Control their Transaction Limits

Use Case Online site charges $59.95 monthly for 'VIP' She has an option to log in every month and check the box "Skip this month" if she did not want to her card charged for the month The Case Consumer bought a $20 pair of shoe from myglamorous.sg in December for $19.95 and turned into $240.00 What Happened $59.95 was being charged monthly to her debit card for being the shop's "VIP“ The Outcome Problem got solved only when her card expired in April ($59.95 x 4 = $240) She did not get her money back but was told it could be used as credits to buy shoes http://www.straitstimes.com/singapore/online-site-charges-5995-monthly-for-vip-members?xtor=CS3-20 SyntraPoint Empowers the Consumer To Receive their Transaction Alerts

Use Case Usage Control & Alert Principal Card Holder Give away the Ez Bank MasterCard but retained control via SyntraPoint Principal Card Holder retains control via SyntraPoint on Supplementary Ez Bank MasterCard Supplementary Card Holder

Use Case Domestic Remittance with Control & Alert Sender applies for Ez Bank MasterCard and ask the bank to deliver to Receiver Sender activates Ez Bank MasterCard Sender transfers money to Ez Bank MasterCard System sends SMS notification to Receiver Receiver uses the Ez Bank Master Card for purchases Sender retained control via SyntraPoint

Use Case - Oversea Remittance Current Mode of Operation Remitting with Control + Alert Makes MoneySense Imaging Driving with Ability to Negotiate Corner & Turns

Use Case Oversea Remittance - Usage Control & Alert Setting #1 Control Setting #2 Control Setting #3 Ez Bank Indonesia introduces “Micro Saving Account” that links to Ez Bank MasterCard Sender and/or Receiver opens Micro Saving Account Ez Bank launches SyntraPoint APP Sender installed the APP and control Ez Bank MasterCard Sender remits money to Micro Saving Account Sender transfers money to Ez Bank MasterCard Receiver uses the Ez Bank Master Card for purchases Sender retained control via SyntraPoint

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