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 payment for fixed-line communications payment for fixed-line communications 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 tallage, droitpayment tallage, droit, fine payment 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 PLACING TRADE PUTLETS: network supermarkets network supermarkets the trading-entertaining centers the trading-entertaining centers network filing stations network filing stations metro, railway stations, airports metro, railway stations, airports branchs of banks branchs of banks … places of a mass congestion of people … places of a mass congestion of people

MAINTENANCE OF CLIENTS WITH CONVENIENT SERVICE Clients have an opportunity ROUND THE CLOCK to pay, and to take advantage of services operators MINIMIZATION OF TIME The system allows to minimize time of connection of new services operators INTEREST OF OPERATORS OF SERVICES

MARKETING Opportunity of expansion of a circle of users using another's Opportunity of expansion of a circle of users using another's client databases client databases Increase in your share of the market, advertising itself in our Increase in your share of the market, advertising itself in our system of payment system of payment Substantial growth of a target audience. The maximal presence Substantial growth of a target audience. The maximal presence trade putletsat places of a mass congestion of people trade putlets at places of a mass congestion of people INTEREST OF OPERATORS OF SERVICES

ECONOMY OF MONEY RESOURCES There is no necessity for manufacturing and delivery of cards There is no necessity for manufacturing and delivery of cards services. They are replaced with a set of the generated pre-paid services. They are replaced with a set of the generated electronic codes which at sale are printed on a cash tape electronic codes which at sale are printed on a cash tape Use of our payment system instead of usual points of reception of Use of our payment system instead of usual points of reception of payments will give significant economy on a rent for a premises payments will give significant economy on a rent for a premises and wages of cashiers and wages of cashiers Our payment system allow to exclude problems connected with Our payment system allow to exclude problems connected with the personnel: the personnel: mistakes at performance of paymentsmistakes at performance of payments holidaysholidays illnesses …illnesses … Our payment system will allow the operator of services to reduce Our payment system will allow the operator of services to reduce number of the personnel in own points of reception of payments number of the personnel in own points of reception of payments to offer the clients more convenient system of payment of the and to offer the clients more convenient system of payment of the goods and services goods and services INTEREST OF OPERATORS OF SERVICES

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

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: ,

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