1. Moscow, Russia 2012 PREDPROCESSING System presentation

2. What is Predprocessing Predprocessing is a dynamic software development company focused on developing and implementing payment systems, e-commerce solutions, web solutions. Predprocessing is one of the leaders of the Russian market of software development for electronic payment systems and self-service payment terminals. Our specialists work in e-top-up market since its very establishment in Russia and have all the necessary experience both in technological and commercial side of the business. Predprocessing software solution is used in more than 8 000 self-service terminals in Russia, Turkey, Lithuania, Latin America, Poland, Romania, Saudi Arabia, United Arab Emirates, Philippines.

3. What is Predprocessing Among Predprocessing clients there are: Payment systems, interiors of communications, banks. Predprocessing system allows to accept payments at self-service terminals in favor of cellular service providers, Internet, telephony, etc. Our programmers have a sophisticated several years experience in the leading Russian payment systems, such as CyberPlat, e-port, QIWI, DeltaPay and others. So, our system has benefited from all Russian largest payment systems. Predprocessing software solution is reliable and universal, and can be translated into any language and adopted in any country.

4. Predprocessing Portfolio Russian banks – LOKO BANK, Voenno-Promishlenniy BANK (VPB), SOFRINO BANK Foreign payment systems – BEREKET, AOSIST, Ulusal Odeme Sistemi, FOXBOX, MegaPay, SADAD Russian payment systems - FREEPAY, TECHNOPLAT, PLAT-EZH, NOVOPLAT, TURBO,CHECKMASTER Russian interiors of communication – ALT-TELECOM Vodafone – international cell operator AVEA – Turkish cell operator

5. Predprocessing Clients United Arab Emirates, Bahrain, Philippines RUSSIAN BANKS TURKEY: payment systems

6. The kiosk interface

10. Scheme of payment 1.Payment system makes the pre-payment to MNO’S account. Only within the limit of this sum payment system have the right to accept payments on payment kiosks. 2.Payer enters his/her telephone number via the interface of self-service kiosk. 3.Kiosk sends an inquiry request to Processing center to verify entered mobile number. 4.Processing center sends an inquiry to the operator for the verification of the entered mobile number. 5. After receiving a positive response to the inquiry, Processing center sends a permission for the kiosk to accept payment. 6. Payer puts cash into the kiosk. 7.After the cash deposit and client’s confirmation of transaction a request is sent to the server of Processing center 8. After necessary checks and a write-off of funds from payment system account Processing center sends a request for the enrollment of the payment to mobile operator. 9. Money is transferred to the customer's account in mobile operator’s billing system. Payment system informs on successful payment. Payment system Payment system account 1 2 34 Mobile operator billing Processing center 5 6 78 9 Payment kiosk

11. Predprocessing system speed Our payment system’s fast and reliable framework allows us to serve around 10,000 simultaneous payment transactions within a minute. Mean interaction time -- system response time -- is 1.5 milliseconds.

12. Most Secure Electronic Payment System Authentication Authorization Data communications security High Security Storage Database Electronic Digital Signature (EDS) Encrypted SSL connection Physical Security - servers are collocated in highly secured premises – redundancy and information security

13. What Predprocessing system Can Do For operator Reload for Operator’s prepaid Mobiles Payments for postpaid services (monthly bills) Payments for Internet & Broadband Refill for Operator’s e-services, Value Added Services Ads on the 2 nd screen of payment terminal and within its interface

14. Thank you for your attention! Moscow 2012