2. THE HISTORY OF THE COMPANY

3. EXECUTIVE SUMMARY

4. We’re Modifiers Call us masters of simplification! The philosophy behind our business is customization: Our Team We start by understanding the needs of every merchant and match them with the best low risk/high risk solution at a competitive price. Our Service The company’s main objective is to meet the needs of e-commerce merchants worldwide by providing a wide assortment of payment solutions tailored for the online environment. Solutions The ultimate mantra of the business scenario: delivering peace of mind to our clients. OBJECTIVE: PAYMENT SOLUTIONS UNITED

5. EXPERTISE AND FLEXIBILITY The leverage provided by our 10 years of experience in the online payment industry combined with valuable expertise in complementary areas makes our business mode highly flexible, market responsive and adaptable. KEYS TO SUCCESS

6. COMPANY SUMMARY

7.  Delkimo Wealth Limited doing business as payMATRIX has been registered in May 2014 in Seychelles.  The address of our headquarters is at: Suite 3, Global Village, Juvan’s Complex, Mont Fleuri, Mahe, Seychelles.  payMATRIX’s capital derived from the shareholder’s personal funds and it represents 2,000 GBP divided into 2000 ordinary shares of 1 GBP each.  The shares are divided fairly between the two partners who have also each covered 50% of the 280,000.00 EUR initial investment.

8. ORGANIZATION CHART

10. REFERRAL PROGRAM

11. TEAMING UP WITH US: THE COMPLEXITY OF A SUCCESS STORY Network of Partners Referral Program Part of our business philosophy is to extend our Partnership Network. We constantly research and monitor acquiring banks and other Internet Payment Service Providers and this is how we provide the best balance between fees and customer service. Vision Analysis Our Referral Program brings together old business relationships and new contacts established in the past years as a direct consequence of our brand recognition. In order to expand our reach, we rely on a collective network of partners that help our organization market the product internationally. Most of our referral partners are well connected individuals willing to go the extra mile to attract and convert clients.

12.  The possibility to run our Referral Program as their own business triggers the entrepreneurial spirit of our partners and the above-the-market commission plans show our commitment to a mutually beneficial relationship.  Our impressive range of payment options, payment features and banking connections were and continue to be the trigger that attracts our referral partners and their clients to our all-in-one solution.

13. MAJOR CUSTOMERS

14.  In 2010, cards were one of the most preferred non-cash payment instruments globally, with an estimated 55.8% of the global non- cash payments routed through cards.  Some of the primary factors leading to the high growth of cards usage may include: increased acceptability of cards; growth of e- commerce; industry collaboration, and government support global legislation for limiting cash payments.  Due to these factors many brick and mortar merchants are transitioning or will transition into online merchants, giving us the opportunity to work with great customers such as: accesories4cells.com, happypetz.com, bestsalesoffers.com and thestocktradersite.com.

16. DETAILS ABOUT THE COMPANY Address Capital Company capital is: 100,000 MAD. Referring Agents The number of agents that have referred merchants to us while working with CMI was 37. Turnover Our strategic alliance with CMI generated a turnover of 55 Million USD WPS’s offices can be found at: 20 Res Sara 5th Etg Bd Prince My Abdellah Angle Bd Pasteur Chez La Ste ”North Business Consulting”s Tanger, Morocco.

17. INFORMATION ABOUT THE PLATFORM

18. TECHNICAL AND FUNCTIONAL ARCHITECTURE

19.  Active/active data centers in two separate buildings, cross- connected by redundant 40 Gbit/s fibre channel  Fully automated BGP failover between center 1 and center 2 (no customer impact)  Near-real-time data synchronization to DR site (WAN limitation)  DNS failover to DR center – no customer changes required  Data centers provide N+1 redundancy for cooling and power  Double redundancy for Internet connectivity (redundant connection per site and between sites)  Permanent tests of DR center application and receiver connections (QA monitoring)  Redundant connections to all receivers (banks, acquirers, etc.) HIGHEST RELIABILITY

20.  Permanent Active/active synchronization between site 1 and site 2  Over 16,000 cross-functional monitors running 24/7 – 365 days a year  20 independently located external monitoring requests per minute per site  No hardware-related maintenance windows: virtual motion of system components between sites (no customer impact) HIGHEST AVAILABILITY

21.  Cross-site private cloud via cross-site synchronized SAN and blade infrastructure  Fully virtual server architecture (application servers, load balancers and databases)  Active/active multi-load-balancer set-up  Maintenance-independent on-demand extension of disk, CPUs and RAM  Already more than 300 application servers and over 20 TB of RAM in use  On-demand cloning of system to provide specialized and independent PaaS performance to high-volume customers ULTIMATE SCALABILITY

23.  Processing data centers are staffed 24/7 and are ISO 27001-, ISO 9001- and PCI DSS-certified  PaaS solution is fully certified according to PCI-DSS (v 2.0), level 1  Redundant multilayer firewalls; redundant Web-application firewalls  Multi-node HIDS and NIDS in place; multilayer network design  Anti-virus detection on all interfaces; physical and network separation from corporate network  Copy of live system for internal development, pre-live QA and customer integration environment  Automated security scans on any change to the LIVE environment (on all IPs, ports and services, application fingerprinting, tests on all services against OWASP Top 10) HIGHEST SECURITY QUALITY

24. Payment Processing Recurring billing Chargeback reporting Smart transaction routing Automated reports : Fraud Prevention 3D Secure processing Internal fraud prevention checks Third-party fraud prevention tools Active Payment Method Selection Fraud prevention Connector Global Coverage. Connector on Demand Addition of new payment providers Alternative payment methods Multi currency

25. payMATRIX continuously works towards building a worldwide network of industry and e-commerce suppliers to complement our business and our merchants’ businesses. Our key partnerships include bank partners, acquirers, Independent Sales Organizations (ISOs), agent resellers and so on. Each of our partnerships, through, both their know-how and best practices, complement our core competencies, thereby resulting in extra value to our merchants and a delivery of world-class service. Among our partners: China Union Pay, American Express, Austpay, Atlas Bank, Allied Wallet. SUPPLIERS

26. THE FEATURES AND SERVICES OF THE PLATFORM

27.  PCI Compliant  Risk-Management & Fraud Tools  E-Commerce & M-Commerce  Dynamic Descriptor  Multi-Currency Processing and Settlement  Tokenization and Recurring payments  Pre-auth and Capture transactions  MOTO, Virtual Terminal (VT), Email Invoice, Batch Processing, QR Pay  3D Secure FEATURES

28.  Utilize a payment infrastructure.  Manage global sales through a single wallet payment system while your sales channels multiply and grow.  Maximize sales by utilizing our partnerships with other payment engines.  Process payments, real-time, batch or deferred processing, in most currencies and most languages.  Unite your payments infrastructure with another corporate software platform.  Reduce fraud, maximize transaction conversion, and cut down on your operating costs with our excellent anti-fraud software. SERVICES

29.  Virtual Terminal support for MOTO sales.  Plan, implement and optimize your payments strategy with our experienced payments consultants.  Real-Time transaction processing.  Anti-Fraud protection technology.  Secure Back Office reporting system.  Direct on time funding to your bank. SERVICES

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32. THANK YOU! Email us at bizdev@paymatrix.com bizdev@paymatrix.com For more information please visit our site www.paymatrix.com www.paymatrix.com