Corporate Presentation 2014

About Oxigen B2B, IT enabled transaction and payment processing platform Investments from Indian promoters & Blue Label Telecom South Africa Electronic delivery and distribution of prepaid and Transaction/ Payment Management Services Seamlessly networked environment through a rapidly expanding retail network of : Over 130,000 Oxigen touch points Government lead portals & Banking Web/ WAP sites and Banking mobile apps. Currently at 30 million real time transactions a month.

OXIGEN Milestones Company Started Operations 2004 4 Services 100 Outlets-Delhi only 2005 19 services 20000 Touch points Citi Group Ventures (USA) invested in Oxigen 2006 Direct to Home satellite added 28 Services 35000 touch-points 2007

OXIGEN Milestones Added Oxigen Wallet, India’s First e-Wallet (accessible from Mobile and Online) Introduced Travel Services, totaling 30 Services 50000 touch-points Microsoft partners with Oxigen as a Strategic Investor 2008 Added Toll Tag payments, Built Connectivity to Bank portals , CSE’s & International Aggregators 38 Services 60000 touch points 2009 Roll out of SBI Kiosk Banking 75000 touch-points Planned by 2010 end- Bank Open Oxigen Wallet on Oxigen Wallet platform Money transfer and P2P Payments 2010

OXIGEN Milestones 2011 Launched Insurance services Signed agreement SBI for launch Of MobiCash, a white labeled –prepaid mobile wallet Launched OxiSmart, a new Point of Sale Terminal, with battery back up and in built GPRS 2011 Extended Oxigen services across multiple white label websites and WAP sites, like Ncarry, Nimbuzz, Airtel Money, Tata MRupee Launched the beta service of State Banks Mobile wallet SB MobiCash Built merchant services for banking web and WAP portals like HDFC, SBI, ICICI, ING Vyasa and more Launched Mini ATM cum Point of Sale terminal OxiShaan, for rural India Added Hungama Movies and Music downloads as a service on POS, Mobile and Web Won the tender and implemented the new Government CSC portal with added features of merchant payments Beta launch of Visa co branded Aadhaar card at Oxigen retail 2012/3

Oxigen Business Universe Customer Segments B2B Oxigen Retailers B2C Consumer Services Modern Retail/Banks/ Rural Retail Chains Services and Solutions Recharges (Mobile/DTH/Broadband) Travel Services (Air, Rail, Bus) Money Transfers Bill Payments Entertainment & Sports E-Commerce & Online Shopping Banking & Insurance Cash Management Merchant Payment International Remittance Wallet Platform & Mobile Applications Merchant Acquisition

Oxigen Ecosystem Today Prepaid Services Mobile Internet/Broadband TV (DTH) Warranty Entertainment Toll Un-organized Retail MOM & POP STORES GROCERY STORES SMALL CYBERCAFES STATIONARY SHOPS CHEMISTS Organized Retail CHAIN STORES PETROL PUMPS SUPER MARKETS/MALLS INTERNET CHAINS Telecom Retail TELECOM RETAIL CHAINS TELECOM SHOPS PCO’s Non-Traditional Channels HOUSING COMPLEXES COLLEGES/HOSPITALS/BPOS0 Banks International Retail SMS & IVR Gateway Postpaid Services Mobile/Fixed line Internet/Broadband Utilities Payments Travel (Air/Rail/Bus) E-Commerce Retail/Consumer Payments Transaction & Service Delivery Platform Wallet Virtual (on mobile) Physical (cash cards) White Label (Banks/Telcos) Consumer Banking Services NO Frills A/c opening Cash-in/Cash-out/transfer Remittances (Dom./Intl.) Wallet Top-ups Oxigen Server Access Phone Line/Internet/CDMA/GPRS/SMS POS PC Mobile Retail Devices

Oxigen Business Model

Service Aggregation Business Model Oxigen - Retailer The Channels Consumer POS Terminal PC Mobile SMS/GPRS Retailer Benefits Inventory in cash, only to the extent of daily sales Investment in only one device i.e. Terminal, PC, Mobile for all services including recharges, bill payment, ticketing and now banking/remittance Full audit trail and MIS and real time reconciliation of balance with each transaction

Prepaid Mobile Recharge, Calling Cards, Broadband & Bill Payment Oxigen Services Prepaid Mobile Recharge, Calling Cards, Broadband & Bill Payment DTH, Music, Cinema, Travel, Deals, Utilities, Toll, Classifieds, Banking Kiosk Banking

Key Corporate Distribution Partners Rural Kiosks Chain/Mobile Banking Switches & International Aggregators Banks & Wallets Corporate Retail Chains

Central Government of India The Common Services Center Scheme is a part of the ambitious National e-Governance Plan . Front end delivery outlets for delivery of Government as well as Private Sector services Especially aimed for India’s half a billion unbanked & unserved rural population. CSC Portal which has been developed & powered by Oxigen is used by 100,000 centers located all over India. Varied 3rd party integrations done with multiple agencies.

Services on Oxigen (Rail Travel) www.oxirail.com

Travel Services on Oxigen

Consumer Services (B2C) Wallet Oxigen Mobile Wallet Other Wallets Banks Mobile Banking Internet Banking White Labels Web Powering Consumer Websites NRI Recharges

www.onlinesbi.co.in @ Oxipay Oxigen White Label at SBI www.onlinesbi.co.in @ Oxipay

Oxigen Whitelabel at HDFC Bank mobile site http://m.hdfcbank.com

Oxigen White label at ICICI Bank http://www.icicibank.com/online-services/quick-shopping/index.html

New Mobile Value Added Services added by Oxigen Mobile Content Music : Nokia Handsets Music: All Handsets Movies streaming Cricket/Soccer Live Streaming on mobile/PC Mobile TV

Loyalty & Couponing Portal

Banking Services & Digital Payments

Kiosk Banking Impact Areas Total Gross Transactions Value Banking The Unbanked SBI has appointed Oxigen as a Banking Correspondent for Rural Kiosk Banking for opening bank accounts and cash deposits/ withdrawals/ transfers through Oxigen-enabled Customer Service Points (CSPs)  Kiosk Banking Impact Areas FY 2013-14 Total CSP’s Appointed 5000+ States Covered 15 Accounts Opened 2 million Monthly Transactions 5 lacs Total Gross Transactions Value Rs 200 Crore Accounts Projected in 2016 7 Million

Oxigen Wallet Services On PC/Laptop/Tablet Mobile Client POS Terminal Wallet Account Opening Cash-in/Cash-out Cash-in Money Transfer (All Banks) ATM/Debit Card X Aadhaar as KYC Electronic Benefit Transfers Aadhaar Enabled Cash Out May’14

State Bank of India BC Services On PC/Laptop/Tablet Mobile Client POS Terminal Account Opening X Cash-in/Cash-out Cash-in to any Bank A/c of same bank (Money Transfer) Money Transfer (All Banks) July’14 ATM/Debit Card RuPay Aadhaar as eKYC Electronic Benefit Transfers

ICICI Bank BC Services On PC/Laptop/Tablet Mobile Client POS Terminal Account Opening Prepaid VISA X Cash-in/Cash-out Cash-in to any Bank A/c of same bank (Money Transfer) Prepaid Visa Money Transfer (All Banks) ATM Card Visa Aadhaar KYC Electronic Benefit Transfers

Money Transfer to 60+ Banks through Oxigen Wallet website using Oxigen Mobile Wallet 10th May'13 Ver 3.2

OxiSmart Aadhaar* POS Utility Services (Recharges/BillPay) MobiCash Easy/Oxigen Wallet Saral Money VISA Cash in/ Cash Out through Aadhaar Money Transfer Insurance/Music/Warranty Airtel Money/Vodafone mPesa GPRS PoS with Battery BackUp & Printer No Magnetic Swip or Smart Card use, Biometric Authentication for KYC and Banking transactions

Rural Phone POS with Aadhaar Utility Services (Recharges/BillPay) MobiCash Easy/Oxigen Wallet Saral Money VISA Cash in/ Cash Out through Aadhaar Money Transfer Insurance/Music/Warranty GPRS PoS with Battery BackUp, No Magnetic Swip or Smart Card use, Biometric Authentication for KYC and Banking transactions Also doubles up as mobile phone function in rural areas Airtel Money/Vodafone mPesa

Oxigen Universal POS Saral Money VISA Money Transfer Utility Services (Recharges/BillPay) MobiCash Easy/Oxigen Wallet Merchant Payment - IMPS/RuPay Saral Money VISA Merchant Payment - MasterCard/VISA Cash In/Cash out through Aadhaar Money Transfer Insurance/Music/Warranty Airtel Money/Vodafone mPesa NFC/Magnetic Swipe/Smart Card enabled (Supporting Rupay/MasterCard/Visa)

Thank You !!