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Mobile Transaction Features  Mobile Operator Independent  No special deals need  Lower costs, no revenue sharing  Increase business and technology control and independence  Add freely new business models  Cellular brand independent  Very Fast Transactions, from South America to Processors at the USA, about 5 seconds for an approval.  Modular system, allows to add more future features  Very easy to install and use  Very Secure, token and site key enabled, evolving  Very flexible technology allows very fast customization, full modification cycles of about 1-2 weeks average 2

Value Proposition Overview  Create a Virtual Account using existing precharging sales structure  Deploy MoviPOS  For standard Credit Cards  For Private Label Cards  To Bank’s core systems, networks bypass  Allow POPs and franchises to act as:  ATMs for banks, and credit cards  Receive invoice payments  Money remittances in and out  Allow Peer 2 Peer transactions using Virtual Accounts  Bill Micropayments  Bill Content 3

Value Proposition  MoviPOS  Lower Costs  Enable new niches  Low Cost  Mobility,Delivery  Logistics COD  Street Sales  Direct Sales, Herbalife, Omnilife, Tupperware, etc  Grey Economy  Expand explosively because the extremely low Capex and Opex  Bypass Other transactional networks fees working directly with virtual money, banks and private label cards 4

Value Proposition  Virtual Account Creation, charged by Credit/Debit Cards and Credits, deals with the consumer’s transactions eco-system  Micro and Small Credits, Credit Scoring and Virtual Account charging  ATM, allow small business to be franchised for cash entry and withdrawing and invoices payment, cellular recharging,, etc. etc. More business for the POPs, stores and franchises.  Peer 2 Peer payments based on Virtual Accounts and/or Credit/Debit Cards  Proactive Direct Invoices Payments  Money Transfer Enabled  Micropayments, entertainment, music, video, IPTV, games, etc  Gambling, Lottery, etc  etc 5

Our Value  Proven Vision in Business and Technology  Proven Entrepreneurship and spin off deployment and management  Proven low cost and fast R&D and Operations capability  Proven International and multi cultural experience  Mobile Transactions full technology ready and proven, from links to the banks or transactional network to the self mobile applications  Business international experience 6

Proposal Be partners for the new Mobile Transactional World Be the Brazilian Paypal and content, goods and services billing system Establish a Joint Mobile Transactions Business Unit or spin off Company Keep the joint venture in the leading edge of business and technology models Have a very fast and aggressive time to market and market growth 7