PAYMENT SYSTEM

ABOUT COMPANY «Global Express Pay»company – is an international integrator of development, adjustment and launching of innovation system of electronic vouchers selling, cash and non-cash payment service for the various goods and the services. High reliability, multi-functionality and availability for public is advantages of this system. «Global Express Pay» company – is an international integrator of development, adjustment and launching of innovation system of electronic vouchers selling, cash and non-cash payment service for the various goods and the services. High reliability, multi-functionality and availability for public is advantages of this system.MISSION To made services nearer to their customersTo made services nearer to their customers To increase an amount of trade putletsTo increase an amount of trade putlets To develop functionality of payment systemsTo develop functionality of payment systems To increase range of goods and servicesTo increase range of goods and services

ABOUT «ND GROUP» « Global Express Pay » Company was established in 2007 and belong to «ND Group» together with companies: «ND Ltd» company develops applied solutions for gas station networks, including use of data communications wireless technologies (GSM/GPRS). Developing and patenting sale subscriber’s accounts updating codes (mobile communication, the Internet, etc.) system is an achievement of this company (patent № 9475 date 15/09/2005). Name of this system is Notion Digit. Today «ND Ltd» company is one of the largest innovation processing company in Ukraine«ND Ltd» company develops applied solutions for gas station networks, including use of data communications wireless technologies (GSM/GPRS). Developing and patenting sale subscriber’s accounts updating codes (mobile communication, the Internet, etc.) system is an achievement of this company (patent № 9475 date 15/09/2005). Name of this system is Notion Digit. Today «ND Ltd» company is one of the largest innovation processing company in Ukraine «ND Datecs» Ltd is developer and producer of cash and control systems of gas station networks managing, it also produces terminal solutions for system Notion Digit«ND Datecs» Ltd is developer and producer of cash and control systems of gas station networks managing, it also produces terminal solutions for system Notion Digit «ARGUS – security systems» Ltd offers installation of fire and burglar alarms and security systems«ARGUS – security systems» Ltd offers installation of fire and burglar alarms and security systems «ND Ltd» company No2 – producer of ultrasonic measuring device and self-service payment kiosks«ND Ltd» company No2 – producer of ultrasonic measuring device and self-service payment kiosks «NaftoGaz Card» Ltd – the founder of automated system of cash and non-cash payment for fuel in gas station networks by means of plastic cards and coupons and loyalty System for customers«NaftoGaz Card» Ltd – the founder of automated system of cash and non-cash payment for fuel in gas station networks by means of plastic cards and coupons and loyalty System for customers «Service-Crimea» Ltd – provides complex service support for ND Group’s gas station and terminal decisions equipment«Service-Crimea» Ltd – provides complex service support for ND Group’s gas station and terminal decisions equipment Total year turnover ND GROUP € Total year turnover our processing center on reception of payments € It will have € total turnover our processing center until the end 2007 Global Express Pay has 4500 trade putlets all over the world today (SELF- SERVICE KIOSK, POS-Terminal, CASH REGISTER, payment module for PC, …) It will have trade putlets until the end 2007

IDEOLOGY PAYMENT SYSTEM GLOBAL EXPRESS PAYIDEOLOGY The preconditions for this research is the analysis of Pre-Paid cards market, which have few disadvantages: physical logistic – transportation, storing, stock-taking, distribution physical logistic – transportation, storing, stock-taking, distribution periodical lack of Pre-Paid cards in the regions periodical lack of Pre-Paid cards in the regions non-liquid remains non-liquid remains limit of income grows limit of income grows forgery of the goods by sellers forgery of the goods by sellers Our system do not have this disadvantages, it makes the control of sales easier with help of WEB-instruments. IDEOLOGY one goods and services local databases one goods and services local databases multyservices connections multyservices connections guarantee of sales procedure in accordance with requirements of services operators guarantee of sales procedure in accordance with requirements of services operators absence of commercial information in memory of the terminals absence of commercial information in memory of the terminals information about goods and services are always available on the server information about goods and services are always available on the server organization of information supply of trade putlets by the terminals organization of information supply of trade putlets by the terminals centralized price formation (one consumer price) centralized price formation (one consumer price) operative balance state control of trade putlets organization operative balance state control of trade putlets organization availability of mobile report system availability of mobile report system

FUNCTIONALITY GOODS AND SERVICES e-voucher of all mobile operators for updating subscriber’s accounts e-voucher of all mobile operators for updating subscriber’s accounts e-voucher of leading Internet providers e-voucher of leading Internet providers e-voucher of ІР–telephony e-voucher of ІР–telephony any sum accounts updating any sum accounts updating payments for municipal services payments for municipal services payments for consumer credits payments for consumer credits payments for television payments for television insurance payments insurance payments payments for purchases in Internet shops payments for purchases in Internet shops sale transport sale transport tickets sale lottery sale lottery tickets sale in Ukraine any sum updating for subscribers of Russian mobile operators sale in Ukraine any sum updating for subscribers of Russian mobile operators REPLICATION OF THE SYSTEM organization of self-service payment kiosks processing organization of self-service payment kiosks processing launching of processing centers all over the world launching of processing centers all over the world organization ofPOS-terminal processing organization of POS-terminal processing

PARTNERS PRIMARY PARTNERS IN UKRAINE FOR MAJOR BRANDS

RETAIL STORIES CONNECTED

LOCAL PAYMENT RECEPTION PROCEDURES LOCAL SERVER CASH REGISTER GEP MAIN SERVER UKRAINE GEP SERVER RUSIA BANK RUSIA BANK UKRAINE LOCAL BANK … OPERATORS RUSIA … OPERATORS UKRAINE Local number verfication Payment clearance Payment Receipt Payment SMS Report Payment Payment rate GEP Local number verfication LOCALOPERATORS

GLOBAL PAYMENT RECEPTION PROCEDURES Number verfication Payment clearance Payment Receipt Payment SMS Payment Payment rate GEP Number verfication Payment clearance Payment Report LOCAL SERVER CASH REGISTER GEP MAIN SERVER UKRAINE BANK RUSIA BANK UKRAINE LOCAL BANK … OPERATORS RUSIA … OPERATORS UKRAINE GEP SERVER RUSIA LOCALOPERATORS

LOCAL PIN SALE PROCEDURES Operator card amount Activated PIN on bill Encrypted data Encrypted data activated PIN GEP MAIN SERVER UKRAINE PIN database sale SELF-SERVICE KIOSK LOCAL SERVER PIN activation LOCALOPERATORS Report … OPERATORS UKRAINE PIN database sale

GLOBAL PIN SALE PROCEDURES Operator card amount Activated PIN on bill Encrypted data Encrypted data activated PIN GEP MAIN SERVER UKRAINE PIN database sale SELF-SERVICE KIOSK LOCAL SERVER LOCALOPERATORS PIN activation … OPERATORS UKRAINE PIN database sale Encrypted data Encrypted data activated PIN

PAYMENT TECHNOLOGIES The universal payment reception technologies provide the reception of funds by means of the following structures: Web-site with payment form Payment module for PC SELF-SERVICE KIOSK Cashier of a retail network shop, using automatic CASH REGISTER POS-Terminal

MAJOR CUSTOMERS OF GEP PAYMENT RECEPTION SYSTEM SUPERMARKETS FIXED-LINE COMMUNICATIONS PAYMENT TERMINALS FILING STATIONS MOBILE COMMUNICATIONS INTERNET AND IP-TELEPHONY MUNICIPAL SERVICES INSURANCE TRANSPORT AND LOTTERY TICKETS BANKS BILL PAYMENT AND ACCOUNT REPLENISHMENT VIA PAYMENT ACCEPTANCE OUTLETS DIGITAL TELEVISION

OUR CONCEPT A Multi-Channel Topup and Payment Solution GOODS AND SERVICES SUPPLIED FOR ELECTRONICALLY SELLING (for example мobile telephone airtime, telecom content, party services and another (for example мobile telephone airtime, telecom content, party services and another) PRE- PAID POST- PAID E- DELIVERY TOPUP PAYMENTINTERNET RETAIL OUTLETS KIOSKS POS terminal

PAYMENT DISTRIBUTION CHANNELS AND PAYMENT RETAIL CHANNELS POSEPOS SELF-SERVICE CHANNELS INTERNETKIOSK Payment options: Any payment method available at the retailer (card, cash, account, etc.) Payment options: credit/debit card credit/debit card cash (Kiosk) cash (Kiosk) vendor account transfer (Internet) vendor account transfer (Internet)

OVERVIEW OF APPLICATION. CANNELS AND PRODUCTS Possible Applications Mobile airtime Mobile airtime Long distance airtime Long distance airtime Mobile content (games, wallpapers and ring-tones) Mobile content (games, wallpapers and ring-tones) Tickets, lotto, sport events, concert etc. Tickets, lotto, sport events, concert etc. insurance police insurance police credit repayment credit repayment Possible Channels Internet Internet Kiosk Kiosk Epos Epos Pos Pos Possible Products e-voucher e-voucher e-topup e-topup e-Payment e-Payment m-Transfer m-Transfer m-Buy m-Buy

INTERNET RECHARGE INTERNET

KIOSK

POS DELIVERY OPTIONS CUSTOMER RECEIPT: e-Voucher Terminals could be on line or off line Terminals could be on line or off line Terminal prints out voucher which contains 12 digit pin Terminal prints out voucher which contains 12 digit pin number. number. Customer uses pin to topup mobile airtime account e-Topup Customer provides mobile number and the prepaid account is automatically topped up. Terminal prints out receipt and customer receives SMS notification of the topup e-Payment Customer provides bill number and receives Payment Voucher (receipt) and SMS notification of the paymentLunaSolutions

EPOS Global Express Pay is integrated to retailers cash registers

E-TOPUP What is e-TopUp ? Direct electronic TopUp of airtime to end user through different channels like POS, EPOS, Kiosk, Internet. Key Features Extensive reporting/accounting features Seamless connection to operator prepay server Key Benefits Instant information about sales for distributors and retailers Instant recharge, convenient way for end customer Constant availability or supply of airtime

E-PAYMENT What is e-Payment? Electronic distribution and payment of bills through POS Key Features Customer receives notification of due bills Customer receives notification of due bills Supports wide variety of self service and retail channels Supports wide variety of self service and retail channels Extensive tracking, reporting, billing, troubleshooting and management tools Extensive tracking, reporting, billing, troubleshooting and management tools Key Benefits Convenience for consumer – pay anytime and anywhere Convenience for consumer – pay anytime and anywhere Better cash flow for operators-bills paid in a timely fashion Better cash flow for operators-bills paid in a timely fashion

M-TRANSFER What is M-transfer ? Electronic transfer of airtime from distributor to retailer, (re-seller) and to end user using mobile phone or Internet. Key Features Easy traceability of transactions. Easy traceability of transactions. Extensive reporting, accounting, billing and management tool. Extensive reporting, accounting, billing and management tool. Transfer through mobile phone and/or Internet Transfer through mobile phone and/or Internet Key Benefits Less investment for distributors and retailers Less investment for distributors and retailers Easy to re-issue payment confirmations or notifications without duplication Easy to re-issue payment confirmations or notifications without duplication Instant information about sales for distributors and retailers Instant information about sales for distributors and retailers Easy to expand market network, non traditional retailers can become resellers, Easy to expand market network, non traditional retailers can become resellers, reaching more customers reaching more customers

M-BUY What is M-Buy ? Use of mobile phone to purchase small ticket items using mobile or fixed accounts as a payment mechanism Key Features Easy-to-use mobile phone to pay for items Easy-to-use mobile phone to pay for items Secured interface Secured interface Extensive tracking and reporting tools Extensive tracking and reporting tools Key Benefits Instant information Instant information Increased usage of airtime for operators Increased usage of airtime for operators New transaction revenues New transaction revenues Examples of application Take out service: Order and payment of pizza Take out service: Order and payment of pizza Mobile content: Order and payment of games, ring tones etc. Mobile content: Order and payment of games, ring tones etc. Tickets: Order and payments of tickets Tickets: Order and payments of tickets Parking: Order and payments of parking Parking: Order and payments of parking Cafeteria: Payments of food items Cafeteria: Payments of food items Convenience stores: Payment of goods Convenience stores: Payment of goods Vending machines: Payment of goods Vending machines: Payment of goods Internet cafe: Payment of Internet access Internet cafe: Payment of Internet access

SUMMARY OF FEATURES FOR OPERATORS Retail Channels EFT POS terminals EPOS (cash register integration) Web Self-Service Channels Standalone Web Shop or integration with existing web site Kiosk e-Products e-Voucher. PIN is used to acquire the product e-Topup. Direct TopUp with integration to vendor e-Payments. Payment of bills for postpaid services m-Transfer. Value transfer between mobile phone accounts m-Buy. Small purchases using mobile phone

PRODUCTS, CHANNELS AND PAYMENT METHODS A Multi-Channel Topup and Payment Solution CHANNELS CHANNELS CHANNELS CHANNELS Electronic Product Payment method e- Topup e-Vouchere-PaymentCreditCardCard on file Cash Mobile phone POS / EPOS Web Kiosk++++++

DISTRIBUTION MODELS Traditional distribution model –Scratch Cards OperatorDistributorMerchant GSM User New distribution model –Electronic Operator Global Express Pay Merchant GSM User Operator Global Express Pay GSM User

VALUE PROPOSITION Operators: Extensive cost savings over scratch card system Offers effective channel to access small to medium sized retail locations Efficient logistics and distribution of service Offers efficient and secure delivery of services and electronic funds transfer Improves market intelligence and up to date information on sales Flexible marketing and product offering Increase efficiency, sales, and profitability Merchants: Zero stock requirements for retailers Helps expand product range Improves cash flow and product management and reporting. Prevents fraud and theft Offers efficient electronic funds transfer –saves time Increases efficiency, sales and profitability

CONTACT INFIRMATION “Global Express Pay” Ltd. Ukraine, 03151, Kyiv, st. Narodnogo Opolcheniya 5A, build 2, 5 floor telephone: Russian, , Moscow, Beregovoy passage,build3 Russian, , Moscow, Beregovoy passage, build 3 telephone: telephone: Jordan, Amman-Al-Bayader, Hussein Khawaja St. P.O.Box: Amman Jordan Jordan telephone: , telephone: ,

THANK YOU