1. 2008 Making Money on the International Top-Up

2. www.cyberplat.com 2 The world is changing  There were the times when it was possible to earn 5-10% on the domestic top-up. Those times are gone.  There still are domestic markets in some developing countries with the 5-8% margin on the top-up, but they are few and narrow.  In the developed markets, the large scale top-up networks reduce the margin to as little as 2%.

3. www.cyberplat.com 3 The International Top-Up (ITU) is the new opportunity to make money. The MNOs are ready to pay:  10% in the neighboring countries  15% in the mainstream tourist countries (e.g. Turkey and Egypt for EU MNOs)  25% in less popular tourism countries  Up to 30% in exotic countries The new opportunity: ITU

4. www.cyberplat.com 4 …to create acceptance networks not in domestic countries! The ITU companies in the new non- domestic markets meet the problems:  There are domestic players already  The foreign countries have their specific and require the knowledge of the market  The new players are not very much welcome But it’s not easy…

5. www.cyberplat.com 5 Where is the solution?  It is almost impossible to penetrate a new country’s market alone  It is much easier to do with a help from a domestic top-up network

6. www.cyberplat.com 6 Bilateral vs. hub Bilateral relations:  Large number of bilateral agreements negotiations and connections: hundreds of large and thousands of smaller companies to connect  Too many gateways  Unmanageable maintenance and operation Hub concept:  Just one agreement  Just one gateway  Hassle-free operation/maintenance

7. www.cyberplat.com 7 CyberPlat hub solution  10 years proven technology  Very attractive per transaction prices  Easy connection  Online (1-2 seconds)  Secure (messages are encrypted and EDS signed)  Zurich (Switzerland) based transaction processing center

8. www.cyberplat.com 8 CyberPlat offer  Processing of the transactions between top-up networks in different countries and/or between top-up networks and MNOs  Cost per transaction: 1 US cent  Real-time online!

9. www.cyberplat.com 9 Why it is profitable?  $10 top-up in the neighboring country brings a top-up company (at 10%) $1  The top-up company pays for the transaction processing just 1 cent  The company’s revenue: $0.99

10. www.cyberplat.com 10 The further – the more  $100 top-up in the exotic country brings a top-up company (at 20%) $20  The top-up company pays for the transaction processing just 1 cent  The company’s revenue: $19.99

11. www.cyberplat.com 11 Together is better  Going together, it is possible to earn much more than separately  In a few months, we can create a global top-up system with about 50 companies based in different countries  This system will be very attractive to MNOs  Domestic payment systems could successfully sell the system’s services to the local MNOs

12. www.cyberplat.com 12 Who needs it? MNOs:  Roaming is profitable  Good roaming services are the main competitive edge  Ability to top-up in the roaming is the powerful advantage Top-up companies & retailers:  The tourists are good payers  Commission for ITU is much higher than for domestic top-up Subcribers:  More people go abroad each year  More subscribers get prepaid  They all have mobile phones  They all need to top-up in roaming

13. www.cyberplat.com 13 Let’s go together!  Together, we can make a new profitable product in a very short time  Together, we can use it to raise our revenues  So let’s make some money a lot of money together!

14. www.cyberplat.com 14 Contact information Andrey Gribov, PRESIDENT & CEO, CYBERPLAT OJSC Address:Floor 12, Entrance 7, World Trade Center-2, Moscow, 123610, Russia Phone:+7 (495) 967-02-20 Fax:+7 (495) 967-02-08 Website:http://www.cyberplat.com E-mail: gribov@cyberplat.com