1. First National Bank – a division of FirstRand Bank Limited. An Authorised Financial Services Provider. Mobile and Transact Solutions

2. 2 First National Bank – a division of FirstRand Bank Limited. An Authorised Financial Services Provider.  What is Cell Pay Point?  Cell Pay Point Features  How does it work? PRESENTATION AGENDA

3. 3 First National Bank – a division of FirstRand Bank Limited. An Authorised Financial Services Provider. CELL PAY POINT  Cellphone payment solution for purchases.  First mobile payment solution to market that allows direct monetary payments and will drive the payment industry’s future.  Ideal for the African market and can do what e-commerce has done for the USA.

4. 4 First National Bank – a division of FirstRand Bank Limited. An Authorised Financial Services Provider.  Real-time payment solution with real-time payment confirmation for online purchases available to all FNB customers registered for cell phone banking.  Any FNB transactional account (credit/ debit card).  Greatly reduce repudiation/fraud risk (card not present).  No customer detail, e.g. name, ID, must be entered online.  “Plug and play solution” so that merchants can be live immediately, i.e. commercialised solution. CELL PAY POINT FEATURES

5. 5 First National Bank – a division of FirstRand Bank Limited. An Authorised Financial Services Provider.

6. 6 First National Bank – a division of FirstRand Bank Limited. An Authorised Financial Services Provider.

7. 7 First National Bank – a division of FirstRand Bank Limited. An Authorised Financial Services Provider.

8. 8 First National Bank – a division of FirstRand Bank Limited. An Authorised Financial Services Provider. *120*277*152231# To confirm your PHUMELELA GAMING AND LEISURE payment reply with your MOPIN = your 5-digit PIN. NB: NEVER include your MOPIN in an SMS Pay 10.00 from SMRT to PHUMELELA? 1. Confirm 2. Select Account 3. Cancel MT SMS FNB☺Payment Processed. Paid 10.00 from SMRT to PHUMELELA GAMING AND LEISURE ref CELLPOINT/40002 0/20071123/231. HOW DOES IT WORK?

9. 9 First National Bank – a division of FirstRand Bank Limited. An Authorised Financial Services Provider.

10. 10 First National Bank – a division of FirstRand Bank Limited. An Authorised Financial Services Provider. Merchants will need to do the following in order to add Cell Pay Point to their sites: HOW TO GET CELL PAY POINT  Sign a Commercial agreement with FNB’s requirements  Open an FNB account  Register for Cell Pay Point

11. 11 First National Bank – a division of FirstRand Bank Limited. An Authorised Financial Services Provider. Thank you!