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					                 Simple | Mobile | Payments


The Rosetta Stone
between Banks and
Carriers

 November 2010

  NeuPai Confidential
Mobile Topup Today
                                                                   User puts
                Card          Retail       Topup
Carriers                                               Cash       in Number
             Distributor      Store         Card
                                                                   to Phone




           Carriers                                Consumers
  •  Expensive distribution               •  Inconvenient to get cash and
     channel                                 topup

  •  High loss rate due to cash           •  Unnatural to use a manual
     transactions                            process for a digital good

                                  Banks
                •  Left out of frequent transactions
                •  Left out of consumers minds
 Banks Under Siege

                               Technology
                                Advances


 Basel III
   AML
                           Pools
                            Pools     Flows
                                      Flows   Growth of
   ATF        Increased                       Non-Bank
              Regulatory                      Payments
Unbanked      Oversight                       29% CAGR

 Growth
  Mobile
Regulations                                         New Companies
                               Customer
                               Demands
NeuPai’s USP
 NeuPai will become the Rosetta
  Stone for Banks and Carriers by
  connecting their disparate networks.

  Carriers want to reduce the cost of
   mobile topups.

  Banks need to increase transactions and
   customer touchpoints


        Banks                           Telecom

                  NeuPai Confidential
Confirmation
 “Mobile topup in Latin America is                       “As a leading global bank HSBC sees the
 primed for optimization, today mobile                   value in connecting the disparate and
 topup is a cash based and inefficient                   varied mobile telecom providers in the
 system relying on local merchants.                      100+ markets that we serve.

 Telefonica would like to see a system                   The difficulty is that banks and telecoms
 where our customers would get                           speak different protocols and standards.
 access to a more convenient solution                    HSBC supports the efforts of a company
 while Telefonica gets paid faster and                   like NeuPai that can easily connect our
 reduces our distribution costs.                         highly scalable payment systems to
                                                         carriers operations.”
 Creating specialized integrated
 relationships with banks is one way to
 achieve this. NeuPai has the right
 approach and experienced team to
 become a relevant player in this
 space” 




     Worlds 3rd largest Wireless Telecom


Pablo Montesano – Director                                  Paul Mullins – Global Head of
of Financial Services                                        Mobile Distribution Strategy
                                           NeuPai Confidential
Team
  CEO – Dion Lisle                                CPO/CTO – Jeppe Dorff

  Owns Sales, Marketing and                       Owns Product, Engineering and
   Administration                                   Operations
    3 Years at Citibank driving mobile               SVP at a leading Mobile Provider –
     strategy around the globe                         Clickatell
    2 Years at Obopay driving Financial              Founder/CTO of KushCash
     Services BD                                      Head of Product Development for
    Frequent speaker on the mobile                    EnStream – JV between Rogers, Bell &
     payments circuit                                  TELUS
    VP of Channels for Voltage Security              Board Member – African Center for
                                                       Mobile Financial Inclusion



   Advisors
     Alfredo Ohagan – Executive at: Euronet, Western Union,
      MoneyGram, First Data
     Luis Samra – Mobile Payment Advisor – CEO of LatAm Startup,
      Verifone, American Express
     Robert Botch – MD of CapFin Private Equity
                                          NeuPai Confidential
   Competition is Fragmented




                                         $71 Billion
                                                                                      $293 Billion
              $5.5 Billion
                Mobile                    Mobile                                        Mobile
               Banking                   Payments
                                                                  Carrier               Topups
                                                                  Billing




   Source: Compilation of GSMA, Wireless Intelligence and Carrier financial results


  Mobile Banking players moving to Mobile Payments
  Mobile Payments players trying to do too much before
   they succeed at core payments
                                                                 NeuPai Confidential
Annual Global Topup Market


                                     $45 B                      $18 B
                                     Europe                   Russia & E.
       $15 B                                                   Europe
    North America



                                                           $132 B
                                      $32 B              Asia & Pacific
                                   Middle East &
                                      Africa
                    $51 B
               Latin America




                                   $293 B
                            Total Global Topup
Source: Compilation of GSMA, Wireless Intelligence and Carrier financial results
                                 NeuPai Confidential
     Mary Meeker says……
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   U+BRIC Topup Markets
                       USA                               RUSSIA                              CHINA
                  Mobile                               Mobile                             Mobile
                     270 million                         170 million                         750 million
                  Prepaid                              Prepaid                            Prepaid
                     51 million                           153 million                        672 million
                  Banked                               Banked                             Banked
                     280 million                           42 million                         198 million
                  NeuPai TAM                           NeuPai TAM                         NeuPai TAM
                      41 million                           25 million                         123 million
                  Yearly Topup                         Yearly Topup                       Yearly Topup
                     $15 billion                          $18 billion                        $91 billion



                                   Mobile                               Mobile
                                      184 million                         500 million
                                   Prepaid                              Prepaid
                                      151 million                          475 million
                                   Banked                               Banked
                                       84 million                          200 million
                                   NeuPai TAM                           NeuPai TAM
U+BRIC TOTAL                           51 million                           175 million
Mobile                             Yearly Topup                         Yearly Topup
   1.87 billion                       $29 billion                          $21 billion
Prepaid
   1.5 billion
                                      BRAZIL                                INDIA
Banked
   803 million
NeuPai TAM
    415 million
Yearly Topup
   $174 billion
                                                NeuPai Confidential
NeuPai Delivers
  NeuPai eliminates friction to ensure Customer Satisfaction
   while delivering increased carrier profits and new bank
   revenue stream

       User                Banks                                       Telecom

                      •  Bank makes               •  NeuPai makes
 •  User buys            $0.70 in new                $0.30 per
                                                                    •  Is paid $9.00 in
    credit from          transaction                 topup
                                                                       less than 30
    their mobile or      revenue                  •  NeuPai pays
                                                                       days
    bank for $10.00   •  Pays NeuPai                 telco $9.00
                         $9.30

                                         Benefits
                                                  •  New business
                      •  Increase in
 •  Security – no                                    model with     •  40% Decrease
                         customer
    need to carry                                    30%               in distribution
                         transactions
    cash                                             commission        costs
                                                     rates

    New                    New                         New               New
 Convenience           Transactions                   Network           Channel
                                        NeuPai Confidential
Mitigating Technical Risks
                            70           400
        2000    14000     Carriers     Carriers
16000
        Banks   Banks    (HW/SW)        (SS7)
Banks



   Bank Providers            Telecom Providers




    Major Banks               Major Telecoms
Connects Banks and Carriers
  NeuPai’s Gain 360 platform will connect banks and carriers
   for new transactions

  The platform can serve as a future proof platform for yet to
   be discovered payments.




                             NeuPai Confidential
Sample Business Snapshot
   THE MARKET
   Mobile in Brazil                                    199,167,517
   Prepaid Mobile                                      163,317,364
   Banked with a Phone                                 102,621,929
   Minus Postpaid Banked                               (35,850,153)
   TAM = Banked & Prepaid                               66,771,775
   ARPU (MONTHLY)                                           $20.00
   TOTAL SPEND                                       $1,335,435,508

   NEUPAI
   NeuPai Marketshare                                          30%
   Transaction Volume                                 $400,630,652
   Channel Commission Rate                                     10%
   Channel Commission Total                            $40,063,065
   NeuPai Commission                                           30%
   NeuPai Revenue Monthly                              $12,018,919
   NeuPai Revenue Annualized (EOY)                    $144,227,034


                               NeuPai Confidential
 Milestones
                Self Funded                    Burn Rate $130K                         Burn Rate $450K

       Several                                                                     Public Launch –
      trips into      Mobile                                                       GSMA Barcelona
                                         Business                                  Feb-2012
     Emerging       Money Brazil                             Service
                                        Development
     economies        Event                                 Launches
                                        Team Buildup




     Q1          Q2        Q3          Q4      Q1        Q2         Q3        Q4       Q1        Q2        Q3        Q4
    2010        2010       2010     2010       2011    2011        2011       2011    2012      2012       2012    2012


                                                Carriers
                                               Connected                                      Geographic
Architecture                Business
                                                                                              Expansion
Completed                    Model                    First Bank
                           Completed                   Signed                                                       Year 2
                Product                                                                                            Revenue
                 Code                                              Revenue                                        $5 million
               Completed                                           $100,000                                       Brazil Only
                                   Seed / A-
                                    Round
                                    $1-2M
                                                        NeuPai Confidential
Single Market Revenue - Brazil
                                                                                      Revenue	
  Total	
  (M)	
  
                	
  $140	
  	
  
 Millions	
  



                                                                                                                                       	
  $121	
  	
  
                	
  $120	
  	
  

                	
  $100	
  	
  

                  	
  $80	
  	
  
                                                                                                                     	
  $66	
  	
  
                  	
  $60	
  	
  

                  	
  $40	
  	
  
                                                                                                  	
  $25	
  	
  
                  	
  $20	
  	
  
                                                                     	
  $5	
  	
  
                                                	
  >$1	
  	
  
                    	
  $-­‐	
  	
  	
  	
  
                                               Year	
  1	
        Year	
  2	
                    Year	
  3	
        Year	
  4	
        Year	
  5	
  



                                                    Model takes into account a 5% decrease in
                                                             commission per annum
Summary and Venture Ask
  $1-2 million in Seed / A-round capital
   Use of funds
      Add to the highly experienced leadership team and build
       out the team
      Build a mobile topup network extensible regionally or
       globally.
         Based on a successful launch in 2011

  Intelligent and controlled burn rate under $130K
  Connect banks as a distribution point to carriers supply
   as step one

  Connecting the two largest and most valuable networks
   in the world.


                Banks                               Telecom

                              NeuPai Confidential
Backup

 NeuPai Confidential
          5 Year Financials
                                                                                          	
  	
           Year	
  1	
            	
           Year	
  2	
                     	
           Year	
  3	
            	
          Year	
  4	
            	
           Year	
  5	
  
                                                                                          	
  	
                                  	
                                           	
                                  	
                                 	
  
Revenue	
  Total	
                                                                        	
  	
        	
  $450,654	
  	
        	
     	
  $5,255,914	
  	
                  	
     	
  $25,239,071	
  	
        	
     	
  $65,666,010	
  	
       	
     	
  $120,581,031	
  	
  
Implementa?on	
  fees	
                                                                   	
  	
        	
  $116,667	
  	
        	
         	
  $166,667	
  	
                	
          	
  $200,000	
  	
      	
          	
  $200,000	
  	
     	
          	
  $200,000	
  	
  
Maintenance	
  fees	
                                                                     	
  	
            	
  $46,667	
  	
     	
         	
  $248,333	
  	
                	
          	
  $470,000	
  	
      	
          	
  $710,000	
  	
     	
          	
  $950,000	
  	
  
Transac?on	
  Revenue	
                                                                   	
  	
        	
  $287,321	
  	
        	
     	
  $4,840,914	
  	
                  	
     	
  $24,569,071	
  	
        	
     	
  $64,756,010	
  	
       	
     	
  $119,431,031	
  	
  
                                                                                          	
  	
                                  	
                                           	
                                  	
                                 	
  
Cost	
  Total	
                                                                           	
  	
                 	
               	
                    	
                     	
                	
                	
                	
               	
                 	
  
                                                                                          	
  	
                                  	
                                           	
                                  	
                                 	
  
Call	
  Center	
  &	
  Arbitra?on	
  Costs	
                                              	
  	
         	
  $22,447	
  	
        	
      	
  $355,950	
  	
                   	
      	
  $1,706,185	
  	
        	
      	
  $4,260,264	
  	
       	
       	
  $7,464,439	
  	
  
                                                                                          	
  	
                                  	
                                           	
                                  	
                                 	
  
Gross	
  Profit	
                                                                          	
  	
        	
  $428,207	
  	
        	
     	
  $4,899,964	
  	
                  	
     	
  $23,532,886	
  	
        	
     	
  $61,405,747	
  	
       	
     	
  $113,116,592	
  	
  
Gross	
  Margin	
                                                                         	
  	
              95%	
               	
            93%	
                          	
            93%	
                 	
            94%	
                	
             94%	
  
                                                                                          	
  	
                                  	
                                           	
                                  	
                                 	
  
Opex	
                                                                                    	
  	
                                  	
                                           	
                                  	
                                 	
  
Sales,	
  Business	
  Development	
  &	
  Marke?ng	
                                      	
  	
            	
  $96,000	
  	
     	
      	
  $426,500	
  	
                   	
          	
  $921,000	
  	
      	
      	
  $1,122,000	
  	
       	
       	
  $1,349,500	
  	
  
Product	
  Management	
                                                                   	
  	
            	
  $78,000	
  	
     	
      	
  $414,000	
  	
                   	
          	
  $999,000	
  	
      	
      	
  $1,179,000	
  	
       	
       	
  $1,260,000	
  	
  
SoSware	
  Development	
                                                                  	
  	
        	
  $200,000	
  	
        	
      	
  $845,500	
  	
                   	
      	
  $1,722,000	
  	
        	
      	
  $1,973,000	
  	
       	
       	
  $2,198,000	
  	
  
Opera?ons	
  and	
  Technology	
                                                          	
  	
            	
  $90,000	
  	
     	
      	
  $474,500	
  	
                   	
      	
  $1,389,500	
  	
        	
      	
  $1,766,000	
  	
       	
       	
  $1,956,000	
  	
  
G&A	
                                                                                     	
  	
        	
  $374,000	
  	
        	
      	
  $780,000	
  	
                   	
      	
  $1,065,000	
  	
        	
      	
  $1,074,000	
  	
       	
       	
  $1,074,000	
  	
  
                                                                                          	
  	
                                  	
                                           	
                                  	
                                 	
  
Administra?on	
  (Benefits,	
  Office,	
  HR	
  etc.)	
                                      	
  	
        	
  $100,560	
  	
        	
      	
  $352,860	
  	
                   	
          	
  $731,580	
  	
      	
          	
  $853,680	
  	
     	
           	
  $940,500	
  	
  
Marke?ng	
  &	
  Promo?on	
                                                               	
  	
            	
  $45,065	
  	
     	
      	
  $525,591	
  	
                   	
      	
  $2,523,907	
  	
        	
      	
  $6,566,601	
  	
       	
      	
  $12,058,103	
  	
  

Business	
  Consul?ng	
  Fees	
  (Business	
  Analysts,	
  GUI	
  analysts	
  etc.)	
     	
  	
            	
  $41,900	
  	
     	
      	
  $147,025	
  	
                   	
       	
  $304,825	
  	
         	
          	
  $355,700	
  	
     	
           	
  $391,875	
  	
  
Travel	
  &	
  Accomoda?on	
                                                              	
  	
        	
  $125,700	
  	
        	
      	
  $441,075	
  	
                   	
       	
  $914,475	
  	
         	
      	
  $1,067,100	
  	
       	
       	
  $1,175,625	
  	
  
Professional	
  Services	
  (Legals,	
  Roll	
  out	
  consultants	
  etc.)	
             	
  	
        	
  $125,700	
  	
        	
      	
  $441,075	
  	
                   	
       	
  $914,475	
  	
         	
      	
  $1,067,100	
  	
       	
       	
  $1,175,625	
  	
  
                                                                                          	
  	
                                  	
                                           	
                                  	
                                 	
  
Opera2ng	
  Expenses	
                                                                    	
  	
      	
  $1,276,925	
  	
        	
     	
  $4,848,126	
  	
                  	
     	
  $11,485,762	
  	
        	
     	
  $17,024,181	
  	
       	
      	
  $23,579,228	
  	
  
                                                                                          	
  	
                                  	
                                           	
                                  	
                                 	
  
Incremental	
  EBITDA	
                                                                   	
  	
      	
  $(848,718)	
            	
       	
  $51,838	
  	
                   	
     	
  $12,047,124	
  	
        	
     	
  $44,381,566	
  	
       	
      	
  $89,537,364	
  	
  
EBITDA	
  %	
                                                                             	
  	
            -­‐188%	
             	
             1%	
                          	
            48%	
                 	
            68%	
                	
             74%	
  
                                                                                          	
  	
                                  	
                                           	
                                  	
                                 	
  
Capex	
                                                                                   	
  	
                                  	
                                           	
                                  	
                                 	
  
Business	
  Support	
  Systems	
                                                          	
  	
            	
  $50,000	
  	
     	
      	
  $100,000	
  	
                   	
      	
  $1,000,000	
  	
        	
      	
  $2,000,000	
  	
       	
       	
  $3,500,000	
  	
  
Opera?onal	
  Support	
  Systems	
                                                        	
  	
            	
  $50,000	
  	
     	
          	
  $50,000	
  	
                	
          	
  $500,000	
  	
      	
      	
  $3,000,000	
  	
       	
       	
  $3,500,000	
  	
  
Internal	
  Systems	
                                                                     	
  	
            	
  $50,000	
  	
     	
          	
  $50,000	
  	
                	
          	
  $500,000	
  	
      	
      	
  $1,250,000	
  	
       	
       	
  $2,500,000	
  	
  
Cloud	
  Server	
  Infrastructure	
                                                       	
  	
            	
  $60,000	
  	
     	
                	
  $-­‐	
  	
  	
  	
     	
          	
  $120,000	
  	
      	
          	
  $240,000	
  	
     	
           	
  $360,000	
  	
  
Cloud	
  Security	
  Infrastructure	
                                                     	
  	
            	
  $50,000	
  	
     	
      	
  $250,000	
  	
                   	
          	
  $300,000	
  	
      	
          	
  $600,000	
  	
     	
           	
  $600,000	
  	
  
Data	
  Center	
  Costs	
                                                                 	
  	
        	
  $108,000	
  	
        	
      	
  $108,000	
  	
                   	
          	
  $225,000	
  	
      	
          	
  $603,000	
  	
     	
       	
  $1,143,000	
  	
  
                                                                                          	
  	
                                  	
                                           	
                                  	
                                 	
  
Capital	
  Expenses	
                                                                     	
  	
        	
  $368,000	
  	
        	
      	
  $558,000	
  	
                   	
      	
  $2,645,000	
  	
        	
      	
  $7,693,000	
  	
       	
      	
  $11,603,000	
  	
  
                                                                                          	
  	
                                  	
                                           	
                                  	
                                 	
  
Total	
  Costs	
                                                                          	
  	
         	
  $1,667,372	
  	
     	
     	
  $5,762,076	
  	
                  	
     	
  $15,836,948	
  	
        	
     	
  $28,977,445	
  	
       	
      	
  $42,646,668	
  	
  
Net	
                                                                                     	
  	
     	
  $(1,216,718)	
           	
      	
  $(506,162)	
                     	
         	
  $9,402,124	
  	
     	
     	
  $36,688,566	
  	
       	
      	
  $77,934,364	
  	
  
     Usage Data
                                   Users
25,000,000

                                                            20,031,533
20,000,000                                                                                    Transactions per user per
                                                                                             month starting at 4 increasing
15,000,000
                                               12,517,592
                                                                                                  to 8 over 5 years
                                                                             Users
10,000,000
                                   5,862,307
 5,000,000
                       1,344,234
             149,646
        -
             Year 1     Year 2      Year 3      Year 4       Year 5

                                                                                               # Transactions
                                                             1,800,000,000
                                                                                                                           1,592,413,753
                                                             1,600,000,000

           Based on 4 (1 per                                 1,400,000,000

        quarter) yearly bank roll                            1,200,000,000

        outs - declining to 1-2 in                           1,000,000,000
                                                                                                               795,249,251
         the last 2 Fiscal years                               800,000,000                                                                 # Transactions

        24 months lead time for                                600,000,000

            mass adoption                                      400,000,000                          272,989,680
                                                               200,000,000                47,459,939
                                                                              2,394,341
                                                                         0
                                                                                Year 1      Year 2    Year 3      Year 4      Year 5
Gain 360 Architecture
                     Web Application – Service Management

    Reconciliation       Invoicing              Routing          Accounts


                          Transaction Logic Layer

     Accounting          Ledgers               Risk Rules      Reporting Rules



                             Integration Layer
                                             Client/Service      Intelligent
    Client Channel       Interface
                                                Provider           Network
       interface        conversion
                                               Accounts           Interface




                                Database



      Data                       Business                      Regulatory
    Warehouse                  Intelligence                   Data Storage

                                     NeuPai Confidential
Gain 360 – Under the Hood




Open Source                         Industry Standard


  Scalable                          Enterprise Ready


              NeuPai Confidential
    Enterprise Scale to n
                                   Configured Load Balancer

Traffic can be routed
multiple software nodes

                   Software Node    Software Node     Software Node     Software Node
                         1                2                 3                 n..




                                             Clustering




                   Database 1               Database 2                Database n..



  Interval            Data                    Business                 Regulatory
  Based
                    Warehouse               Intelligence              Data Storage
                                              NeuPai Confidential
Mobile Payments Growth
  Mobile Payments will grow dramatically between 2009
   and 2014 – CAGR of 95%

  Mobile Topups as the number one category for mobile
   payments – Source: IEMR

$ Billions     Topup
   300                                            Money
                                                 Transfer
   250

   200                    Merchandise
                                                            2009
   150                                                      2014

   100

     50

      0                    NeuPai Confidential

				
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Description: NeuPai's investor pitch for mobile topup in BRIC markets.