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Overview & User Applications June 12, 2015

SugaPay “The Sweetest Way to Pay”

www.sugapay.com facebook.com/.sugapay

SugaPay is value that is safer than cash, easy to use, available to everyone and can be managed online or using via a mobile device.

Transacting Channels: Cards - POS/ATM/Online Acceptance

Mobile – Device 2 Device Transacting (P2P/P2G/G2P, etc.)

eCommerce & gCommerce - Online Services

API Integration – System2System or Service2Service

Unlimited Applications …

What is SugaPay?

www.sugapay.com

ConsumersA new, safe, convenient, interest free, low cost method of storing value and managing an individual’s payment needs using a prepaid card, a mobile device and/or an online portal. Simply LOAD & Use!

MerchantsAn efficient, multifaceted, mobile method of accepting payments that is less costly than the

traditional, provides for real-time funds validation, increases walk-in and online customer activity and provides a safer and more efficient method of managing our business.

What is SugaPay?

www.sugapay.com

Major Benefits Simple Registration Process Simple Fee Structure Lowest Maintenance/Services Fees Security of not carrying cash Convenience of Add-On Services Administration via Mobile or Online Interfaces Mobile Device Neutral & Financial Institution Neutral Optional SMS Receipts and/or Email Alerts Loyalty Services, …

for Consumers

www.sugapay.com

Card Options (Current & Future)Prepaid Debit

Limited Life [ ~ 2 Years ] Gift - Single or Multi-Load options Instant Issue Model Single or multi-currency EMV (Smart Chip) Contactless

Card Usage Purchases via POS/mPOS

Supported ATMs Online [Local, Regional & International Q3 2015]

for Consumers

www.sugapay.com

www.sugapay.com

for Consumers

SugaCUBE mPOS

Financial Eco System

Funds In: Funds Out:

Balance Inquiry

Activity InquiryAccount

Management

GPC enabled Portals(Money & Account

Management)

Merchant Management

DirectDeposit

Payments

Payments

Remittances From

(Family & Friends)

Transfer from Bank Account

In-Bank Branch Loads

Merchant Location Loading

DirectDeposit

Loan Proceeds

Purchases

Pay a Merchant

Remittances To(Family & Students)

Transfer To Bank Account

In-Bank Cash Advances

Merchant Location Cash

Outs

ATM Withdrawals

Loan Payments

Bill Payments

Cell Phone Top Ups

eCommerce

POS Purchase

mCommerce

gCommerce

ActivityAlerts

POS/ATMAlerts

FI’s Integration

Platform

www.sugapay.com

Fund Flows/Reconciliations

Major Benefits Efficient Registration & Setup Processes Lowest Cost Merchant Acquiring Solution Exact Value Purchasing – No Change Float Mobile App with Zero cost of ALL updates Unrivaled Mobility and Fully Portable system 1st Tier State-of-the-Art Technology – Cutting Edge Complete Electronic Audit Trail of Activities Full Merchant Reporting & Reconciliation service Standard POS terminals (wireless)

for Merchants

www.sugapay.com

Major Benefits In-App Push-Marketing Opportunities (coming soon) Flexible & Scalable Loyalty Programs available Flexible EOD ProcessTimely Settlement (VISA/MC can be a week or more)

Zero Risk of Bounced Cheques Less Cash to Reconcile & Reduced Fraud Internal Fraud Highly Secure Plethora of Unit Lease/Ownership models Access to Experienced & knowledgeable Personnel Data Exportable to Merchant’s Accounting system

for Merchants

www.sugapay.com

Highly Competitive Merchant Discount Rates (MDR) Less than HALF of VISA/MasterCard rates

Flexible Settlement Cycles To SugaPay Merchant Account To Bank Account – a bit more timely (fees vary by Bank)

Merchant Tailored - End of Day Capability

Multiple SugaCUBE Ownership/Rental Models Includes Smart APP Outright Purchase Lease to Own Month to Month Rental

Fees & Settlement

www.sugapay.com

www.sugapay.com

for Merchants

Our Initial Offering Merchant Acceptance System – SugaCube

Android

IOS (Apple)

Consumer Account

e-Account / e-Wallet

Card

Electronic Transaction Receipts

Consumer Smart App

www.sugapay.com

Initial Offering

Back Office Customer Service Support Access to Customer Service Agents 24/7 Monitoring & Reporting support services Merchant Support for Technical Issues

ATMs Access for Cash Out needs Island-wide rollout imminent, Regional rollout - phased

Business Back Office Additional Consultative Support

Business Technical

Support Services

www.sugapay.com

Controls: Centralized system logic – ‘Rules Engine’

Transaction Blocking Multi-Level Limit & Fee Structures Dispute management Event Logging/Change Logging KYC – setup/graphic uploading AML/ATF

OFAC World Compliance Open Ended capability for system ‘bolt on’

Postilion Back Office/Reconciliation Built in and Ad hoc Report generation Exception reporting/alerting Portal Authentication 5-point Fraud Guard System

Control Systems

www.sugapay.com

Applications For the Unbanked For SMEs/General Business/Fis Shopping Online (UPI)

For gCommerce For Insurance (Premium Collections/Settlement Payments/Real-Time Commissions Allocation)

For Events For Benefit Payments (MedBen/School Meals/Travel Allowances)

For Fleet Management For Payroll For eCommerce For Credit Unions (Expanding Product/Service Offering)

For Tax Collection For Bill Payments (Hire Purchase/Recurring Pmts/School Fees …)

Not For Profit (Churches – Collections/Tithing/Special Projects)

For Remittances …

The Ideal Cash Alternative

www.sugapay.com

Card(s)

Gov’tGov’tConsumer BConsumer B

P2PTransfers & Remittances

PrivateBusinessPrivate

BusinessFI’sFI’s

Account TransfersLoan Payments

BENQ

ATM WithdrawalsCash Advances

Account TransfersMicro-Loan Disbursments

Payments [G2G]& Taxes [P2G]

Payroll [G2P] & Payments -

Benefits, Goods &Services (G2P]

Bill Payments [P2B]B2B Payments

Payroll [B2P]Payments [B2B]

eAccount(s)

Consumer AConsumer A

Transfers Transfers

www.sugapay.com

SugaPay is for All Sectors

Public Sector - eGoverment Equally:

Multifaceted Convenient Efficient Mobile Less Costly Safe

Greater emphasis on: Scalability Ease of Connectivity to External Systems - System Agnostic

FI Neutral (Bank, Credit Union, Card Assoc., Other)

for Public Sector

www.sugapay.com

No. Process Description Application 1. B2P Business to Customer/Person/Cardholder Card, Wallet, Virtual Cards, Alert, Mobile-

Internet- Banking Portals, Transfers, BillPay, Tax Acceptance, Payments capture, Ecommerce, Benefit Payments, Payouts, Payroll, Travel, Interest Bearing, Loyalty, Agent Processing & Commissions

2. B2B Business to Business Card, Virtual Cards, Wallet, Alert, Mobile & Internet Back-office/Portals, ASP Processing services, Transfers, Bill-Pay, Fleet Mgmt, A/P and A/R management, payments capture, Ecommerce, MCommerce, Agent Processing & Commissions

3. P2P Person to Person Card, Virtual Cards, Wallet, Alert, Mobile, Internet Portal, Remittances, Billpay, TopUp, MCommerce, Barter,

4. B2Sys Business to System ASP Processing, E-Government, Transaction Switching, ATM Capture, POS Capture, Mobile Payments Capture, Merchant Alerts, Banking alerts.

5. P2Sys Person to System Portals, Banking/Transaction Alerts 6. Sys2Sys System to System ASP Processing, E-Government, Transaction

Switching, Central ATM Networking, Central POS Networking,

Private Sector Applications:

www.sugapay.com

can be Used for …

Public Sector Applications … Groupings:No. Process Description Service Application 1. P2G Customer/Person/Cardholder to

Government Inward payments – Payroll deductions, Income Tax, Property Tax, Embarkation Tax, Duties, Levies, License Collection, Allowance Management, …

Card, Wallet, Virtual Cards, Alert, Mobile-Internet- Banking Portals, Transfers, BillPay, Tax Acceptance, Payments capture, e-Cheque capture, Ecommerce, Payouts, Payroll, Travel, Interest Bearing, Loyalty, Agent Processing & Commissions

2. B2G Business to Government Social Security, Medical Benefits, Education Levy, PIT – Payments, Customs Duties, Road Tax, Permits, Filings, Licenses, Fleet Management, …

Card, Virtual Cards, Wallet, Alert, Mobile & Internet Back-office/Portals, ASP Processing services, Transfers, Bill-Pay, Fleet Mgmt, A/P and A/R management, payments capture, Benefit Payments, Ecommerce, MCommerce, Agent Processing & Commissions

3. G2G Government to Government Intra Gov’t office activities, Inter-Gov’t Office Activities - Finance, Planning, Statistics, , …

Card, Virtual Cards, Wallet, Alert, Mobile, Internet Portal, Remittances, Billpay, TopUp, MCommerce, Barter, …

4. G2Sys Government to System OECS , ECCB, IMF, USAID - reporting, collaboration; Health, Education, Insurance claims processing …

ASP Processing, e-Wallet Commerce, Transaction Switching, ATM Capture, POS Capture, Mobile Payments Capture, Merchant Alerts, Banking & Transaction Alerting.

5. G2P Government to Person Government Payroll, Benefit Payments, Tax Refunds, Travel, …

Portals, Banking/Transaction Alerts

6. G2B Government to Business Procurement, Tax Refunds, 7. Sys2Sys System to System Inter-Connect – OECS Switch, Caribbean

Switching, … ASP Processing, E-Government, Transaction Switching, Central ATM Networking, Central POS Networking,

www.sugapay.com

can be Used for …

e-Gov. Collections Model

Acceptance

Registries

Inland Revenue

Ports

Ministries

Treasury

Processing &Reporting

Control Systems

ConsumerConsumer

BusinessBusiness

GovernmentGovernment

AcceptanceChannels

Statutories

Other

Customs

Immigrations

MCommerce

ECommerce

POS

E-Cheque and e-

Document Capture

Control Systems



Specific Public Sector Uses for SugaPay:

Collections (Online & Walk in)

Payments for Land Registry Services Online Courses/ Usage of on-Campus facilities (e- Education) Tax/Contribution Collections Management

Inland Revenue Department Social Security Med Benefits Board of Education Customs Immigrations

…

can be Used for …


e-Gov. Payments Model

www.sugapay.com

Specific Public Sector Uses for SugaPay: Payments

Payroll, Pensions, Stipends & Benefit Payments;

Micro Lending (ABDB) - Personal & SME development

Travel Allowance Management

Fleet Management (Utilities/Public Works,…)

Payments to Suppliers;

Emergency Relief Distribution;

Education (School Meals, Uniform Allowances,…)

Transportation (School bussing, Fleet Mgmt.,)

Public & Smart-Health Services (Med.Ben) - Reimbursements

can be Used for …

www.sugapay.com

Is being Used to …

www.sugapay.com

Some Public Sector Spin-Offs from SugaPay:

Economic Growth-based Control Systems Improved Transparency Better Cost and Fraud Control Improved Compliance Increased Cash Flows Increased Efficiencies in Budgeting, Reporting &

Reconciliation Data-Mining Statistics Inter & Intra Department/Ministry Payments & Collaboration; …

facebook.com/.sugapay

e-Government. Ecosystem

Payments

Registries

Inland Revenue

Ports

Ministries

Treasury


Control Systems

ConsumerConsumer

BusinessBusiness


AcceptanceChannels

Statutory

Other

Customs

Immigrations

MCommerce

ECommerce

POS

e-Cheque & e--Document

Capture

PaymentsGov’t

Pensions

Inland Revenue

Other

Statutories(MedBen, Soc,Sec)

Treasury

Cards

E-Wallet

s

PaymentsChannels

Ed. Levy(Scholarships)

PDVCaribe

Procurement

Fleet Management


Control Systems

Closed Loop


Loyalty Programs Consumer Merchant

Anti-Fraud/Anti-Money Laundering Systems Pre & Post transaction analysis & Blocking Loading & Velocity Limits Fraud Analyzer – Rules Based Risk Scoring Engine

Periodic New Service Rollout Branded Cards (UnionPay International) Branded Card Acceptance (VISA, MasterCard, UPI) Bill Payment Mobile Top-up … NFC/Contactless Payments

This is Just the Beginning …


Thank You

Questions

Improved Efficiencies

Better Controls

Increased Profitability


www.gpcantigua.com

Reporting

2. Batched LoanKYC & Loads

BusinessBusiness


BatchedNET Payroll File

(Direct or Via Bank)

MCommerce

ECommerce

TransactionAuthorizationProcessing

Payroll Load Funding

$Consumer

ConsumerConsumer

3. Card Usage @Card Acceptance Points

1. Micro-LoanApplication/Origination

Settlement Payroll LoadsDR Client A/cCR Card Settlement A/c

Card UsageDR Settlement A/cCR Merchant or Clearing A/c

Loan Payout on CardDR Bank – AdvancesCR Card Settlement A/c

Portal Access

Loan RepaymentDR Card Settlement A/cCR Bank - Advances

Expanded ATM Fleet

Low Cost/Mobile Enabled POS

Loan Servicing

Load $

Card Fulfillment

Credit UnionOr Bank

Credit UnionOr Bank

Payroll

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Documents

sugapay slide

sugapay sugapay

merchants mobile

mobile method

mobile device andor

updates mobile app

change float mobile

online portal