1. Beirut - May 2009 Sanabel 6 th Annual Conference MOBILE LOAN MANAGEMENT SOLUTIONS: Mobilize Payment Services with security & ease-of- use RAMZI EL-FEKIH ramzi@creova.com Creova

2. The concept Secure Network Creova Bank Extend the delivery channel using the ‘mobile phone’ : A step towards ‘Branchless’ Extend the delivery channel using the ‘mobile phone’ : A step towards ‘Branchless’ MFI

3. The benefits of Mobile Payment Creova Confidential The borrower: Get accessibility to manage & pay loan  Reduced transportation cost,  Less risk, more safety  Save time and focus on the business at hand The MFI:  Extended outreach to remote areas  Reduced cost of setting new branches  Real-time posting of payments to bank or branch  Less money handling in branches (costs & risks)  Better monitoring of payment  Less paperwork  More social & business development work

4. Creova Confidential CREOVA offers an innovative mobile payment software solution with:  Mobile Loan Management application – designed specifically for MFI’s  MFI-MIS integration  Key features: security, ease-of-use, real-time, and quality  Treats the complexities of mobile world Bring practical experience:  Setting up service centers  Working with operators and banks CREOVA is based in Paris (France), with engineers in US and Tunisia CREOVA Mobilize Payment Services with security & ease-of-use

5. MFI Direct Association Partner/Reseller Gives $1000 to MFI 2 Agency Account 3 MFI client gives $100 cash to R.A. 4 R.A. Fills client M-Loan Acct with $100 5 Client pays $100 to MFI M-Loan Account 6 Partner Account User Account 1 Gives 1000$ loan to Client 0 Creova M-Pay System Fill-up Partner account with $1000

6. Technology Provider MFI Stake Holders

7. What we’ve done to date Implemented the technical solution & successfully conducted a trial with ENDA.  100% participation, and all loans/transactions accounted for. Tested the solution with 1 mobile operator & started discussions with the second Advanced discussions for the commercialization and distribution of the solution with a bank in Tunisia, in conjunction with a mobile operator. We are preparing a "best practice" guide for MFI's to launch the service. The « mobile loan management solutions for MFI's » as a starter for banks

8. Challenges/Solutions: Regulation, Distribution, Business-Model Not just a mobile payment transaction - it is a MFI Loan Management Solution:  The integration with MFI MIS - extends the view to the user on his/her mobile  Real-time posting of payments to all parties involved We work with banks and operators, and local partners to facilitate the regulatory and service offering.  The business model works if each player focuses on their own business. Allow for shared revenue and additional services as incentive  Finding (or creating) a local service provider relieves the different players and own the solution from end-to-end The technology must:  Adapt to work with your process and not the reverse (API’s to local partners)  Open and Forward thinking in its design to create new services for the banks and service providers

9. THANK YOU!! RAMZI EL-FEKIH ramzi@creova.com www.creova.com