1. ViVOtech Company Confidential & Proprietary 1 ViVOtech Coupons, Offers, Loyalty & Prepaid Platform August 2011 August 2011 ViVOplatform ViVOtech Company Confidential & Proprietary

2. 2 ViVOtech Definition of NFC mCommerce NFC mCommerce connects the consumer, the store and the digital world through touch. It enables new and richer interactive experiences in all phases of in-store shopping: Personalized marketing: one-touch check-in Interactive shopping: one-touch shelf tag Integrated check-out: one-touch check-out, order

3. ViVOtech Company Confidential & Proprietary 3 ViVOplatform Application Platform ViVOplatform has modular, extensible and flexible architecture using best of breed Java technologies Supports promotions and advertising to mobile phones thru SMS, emails, and mobile wallet Architected to easily integrate into multiple POS environments and financial networks and to bridge into the Over-The-Air (OTA) delivery infrastructure Loyalty Coupons, Offers Gift/Prepaid cards Location based marketing Social Networking Messaging (SMS/MMS/Email) Coalition marketing Coupons, Offers, Loyalty & Prepaid Platform Web based merchant customization by configuration Web Interface for card holders and merchants Triggered based marketing and campaigns Dashboard reporting POS and System Integration using different Protocols Integrated as well as independent applications Extensive Message Infrastructure Key ApplicationsPlatform Features

4. ViVOtech Company Confidential & Proprietary 4 ViVOplatform Block Architecture

5. ViVOtech Company Confidential & Proprietary 5 ViVOplatform Interfaces

6. ViVOtech Company Confidential & Proprietary 6 Allows Customized Loyalty & Offers Program by Merchant or Group of Merchants Support standalone and group of merchant/retailes configuration Dynamic enrollment configuration to capture demographic, preference and intreset information of users/members Support merchant level and group level business rule configuration for Prepaid/Loyalty/Rewards and coupons Works with existing merchant’s loyalty program Web Services interface to integrate with third party system or service Real-time data analysis for coupons and loyalty offering Support ISO 8583 for transaction processing

7. ViVOtech Company Confidential & Proprietary 7 Loyalty Program Options Loyalty Earned  As Points  As % of Amount  As Free Products  As % discount on Products Loyalty Types  Collective – Amount Based – Frequency Based  Transaction based – Amount Eligibility  Product Based (SKU) – Count Based – Amount Based – Product grouping Eligibility Rules  Time Based  Location Based  Date range Based  Supports merchant coalition Loyalty Redemption  Cash Back (including to prepaid or gift cards if it is also the loyalty card)  Online Redemption (web)  Redeem points at POS  Redeem at another  merchant location  Redeem as Gift/Prepaid, Coupon or ticket

8. ViVOtech Company Confidential & Proprietary 8 Offers Definition & Creation Offers are defined using ViVOplatform mOffer Eligibility rules include  User eligibility  Store eligibility  Merchant eligibility One or more offers can be associated to a campaign Content is managed using database Offer definition and eligibility rules

9. ViVOtech Company Confidential & Proprietary 9 Coupons/Offers Creation Rules Earn rules  Flat amount or points  % of purchase amount  Fixed rate  Range (Min / Max)  Tiered range  Store visits  Earn limitations (visit, value) Eligibility rules  Time based  Location based  Date range based  Merchant based  Store based Earn and eligibility rules configuration

10. ViVOtech Company Confidential & Proprietary 10 Offers Campaign Management Leverages ViVOplatform mCampaign module for campaign creation Support flexible deployment option  Integrate with 3rd party campaign management tools Provides wizard-based campaign definition process User list is based on users defined in ViVOplatform Campaigns delivered as SMS/MMS or to the Wallet Includes offers and offer eligibility rules ViVOtech Campaign Management

11. ViVOtech Company Confidential & Proprietary 11 Location Based Offers Geo Location – use mobile GSM trangulation to identify the location of consumers*  Wallet initiate the call to get offer, coupons or marketing information based on GSM trangulation Wifi Trangulation – Use wifi network SSID to identify the location of consumers*  Wallet initiate the call to get offer, coupons or marketing information based on GSM trangulation Service Discovery – NFC smart poster based store check-in, shelf tag, cross selling and other touch points*  Based on Who You Are, Where You Are, and What Your Interest is Social Networking – Based on check-in location identifiy the location of consumers  Good for viral offer and marketing support. POS transaction – Based on POS transaction ViVOplatform identfy the location of consumers  Real-time offer and promotion based on present and past transaction history and demographic information. * - requires mobile wallet and integration with mobile system interface.

12. ViVOtech Company Confidential & Proprietary 12 Social Networking

13. ViVOtech Company Confidential & Proprietary 13 ViVOplatform and Social Networking ViVOplatform Works with Social Networks like Facebook.

14. ViVOtech Company Confidential & Proprietary 14 Facebook Integration with ViVOplatform Single click registration with ViVOplatform through Facebook

15. ViVOtech Company Confidential & Proprietary 15  Provides offer based on your profile (interests)

16. ViVOtech Company Confidential & Proprietary 16 Viral marketing and Info sharing

17. ViVOtech Company Confidential & Proprietary 17 Notification Services  SMS and MMS notification to consumer mobile handset  Consumer must be registered user  Consumer must opt-in for this service to receive transactional or account mgmt notification.  Mobile wallet – Push notification to consumer mobile wallet  Support wallet with passive contactless sticker  Support wallet with NFC enabled device (add-ons, UICC or eNFC enabled)  Social Networking site notification  Must be friend with ViVOplatform notification user  Can post Transaction or promotional info on consumer wall.

18. ViVOtech Company Confidential & Proprietary 18 ViVOplatform Prepaid Features Supports online and offline prepaid applications Fixed Denomination Prepaid Applications, e.g., Gift Cards Re-loadable Prepaid Applications Merchant POS Support  Load, Redeem, Balance Inquiry, Reversal Transactions  Transfer Funds Card Issuance Support  Plastic or OTA provisioning  Anonymous, New Registration, Post-registration Multiple Currency Support Merchant Transaction & Settlement Reports Consumer Web Access  Balance Check  Enrollment & Card Registration  Manual Top Up, Auto Top Up with configurable rules

19. ViVOtech Company Confidential & Proprietary 19 Prepaid Top-up Through multiple channels At Merchant/Retailer Location  Consumer pay cash to Cashier and Tap prepaid sticker to load value Through Bank account  Consumer can link the bank account or credit card to prepaid account for regular top-up Through unattended Kiosk at Mall or public place  Consumer can use the unattended kiosk to top-up prepaid card using cash or credit or debit cards. Through Bank ATM  Consumer can use the bank ATM to top up prepaid card through their bank account. Consumer must have banking relation.

20. ViVOtech Company Confidential & Proprietary 20 Payment Processing Using standalone POS with ViVOpos Application. Using exiting POS with ViVOplatform transaction message protocol implemented.  Acquirer / Bank can implement the ViVOtech ISO 8583 message format to route the transaction to payment switch based on Prepaid / loyalty operation or IIN (Issuer identification Number) Through Acquirer or Bank – Integration with Bank or acquirer back-end. No additional implementation required at POS – See the transaction flow on next slide

21. ViVOtech Company Confidential & Proprietary 21 Payment Processing - Through Acquirer or Bank Merchant POS with Contactless Reader. Acquirer or bank ViVOplatform Payment Gateway OPTION 1: Bank and acquirer will send the prepaid and loyalty transaction to ViVOplatform Payment gateway Routing can be done based on IIN or Transaction type Loyalty Earn or Redeem will be cloud based processing. No Major Change required in POS software POS must support Contactless Reader IP n/w e.g. W-LAN or GPRS Dial-Up, ISDN or IP n/w OPTION 2: POS sends the prepaid and loyalty transaction to ViVOplatform Payment gateway directly Loyalty Earn or Redeem will be cloud based processing.

22. ViVOtech Company Confidential & Proprietary 22 Merchant Configuration Example Prepaid bal Rs 320.00 Loyalty /Reward earned Next Coffee Free Prepaid bal Rs 20.00 Loyalty /Reward earned 212 Points Prepaid bal Rs 250.00 6256 5621 3220 33456 Single Account Multiple Prepaid and Loyalty Wallet Merchant Level Prepaid and Loyalty Rule Merchant Level Prepaid Rule

23. ViVOtech Company Confidential & Proprietary 23 Merchant Configuration Example Prepaid bal Rs 320.00 Loyalty /Reward earned 780 Points 6256 5621 3220 33456 Single Account Single Prepaid and Loyalty Wallet Group Level Prepaid and Loyalty Rule Coffee Shop Grocery Store Car Parking

24. ViVOtech Company Confidential & Proprietary 24 Standard Reports Detailed / consolidated reports 3D graphs and charts

25. ViVOtech Company Confidential & Proprietary 25 Reports for Billing & Settlement Reports (customizable for each client) Campaign reporting  Usage report  Billing report –Total number of issuance –Delivery charge –Additional charges  Settlement process –Batch process - End-of-day and End of Campaign Consolidated Store Transactions Invoice Report  Displays the consolidated transaction report by store Franchise Billing Report  Provides settlement information between different franchisees by balance transfer

26. ViVOtech Company Confidential & Proprietary 26 Slide 26 April 2010 John Harvey Director, Business Development EMEA jharvey@vivotech.com +49 173 842 8087 (mobile)