Moscow, Russia 2012

1. PREDPROCESSING System presentation Moscow, Russia 2012

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 atself-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, UlusalOdemeSistemi, 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 TURKEY: paymentsystems United Arab Emirates, Bahrain, Philippines RUSSIAN BANKS

6. The kiosk interface

7. The kiosk interface

8. The kiosk interface

9. The kiosk interface

10. Scheme of payment Processing center • 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. • Payer enters his/her telephone number via the interface of self-service kiosk. • Kiosk sends an inquiry request to Processing center to verify entered mobile number. • 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 . • 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. 3 7 4 8 5 9 2 6 Mobile operator billing Payment kiosk 1 Payment system account Payment system

11. Predprocessing systemspeed 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 2nd screen of payment terminal and within its interface

14. Thank you for your attention! Moscow 2012