Bi ATM is new generation of self-service multifunctional device with the function of today's ATM and Vending machine with many additional functions:

- Biometric identification of the customers - full eKYC and AML, - Instant printing and encoding Branded Prepaid Reloadable Cards, - Enrollment of customers biometric data on the Card - offline Security, - Enrollment of customers medical data on the card - in case of emergencies, - Cards personalization by customers selecting image, - Money Exchange (Option-The SMART Currency recognition over 80 currencies),

- Money Share, - Selling Mobile SIM card with or without identification of the customer, - Advertising on the additional screen, - And many other banker services such as paying bills and so on... The great advantage of the device is that the user does not have to open a bank account or to be Bank clients to use the device. The device is placed in a public place for the targeted market 24/7. BiATM Software - easy to use with touch:

Vending of MasterCard Prepaid Card: The card has a low limit, capped in accordance to the national laws for the prevention of money laundering (AML). An identity document is required to validate the age of the customer after which they will be allowed to make a payment by cash or credit / debit card at a BiATM device. The card is issued instantly at BiATM device in (typical time 45 seconds)

Option to Upgrade to Prepaid MasterCard Plus: This card has greater capability and a higher maxmium loading value but the cardholder will need on the BiATM device, to prove his identity and home address. The identity is confirmed by a fingerprint, signature and facial recogonition through a camera on the device and a proof of home address with documents such is driver's license, bank statements or utility bills. The customer will agree to general terms and conditions, agreement of use, acceptance of handing of personal data in accordance with the laws of the territory and provide an e-signature. The agreement of handling of personal data and the use of cards are printed together with the signature once the card is dispensed. Additional Card (max 3): Owner Plus card holder can apply for additional cards for children (pocket money) or family

and friends (Money Transfer - Share).

Vending of personalized gift prepaid card with a photo and a personal message: Photos can be selected in four ways:

Web camera PHoto gallery Scan photo Photo from Facebook

Selling Virtual MasterCard Prepaid cards:

Printed virtual card with one-time payment allows the user payments through the

Internet and has all the necessary data (card number, expiration date and CCV

number).

Money Transfer - Share Diaspora with relatives and friends:

Diaspora (Migrant Workers and transfer of funds to their home contries) can quickly

request for a basic card in their country of residence through our website or at any

BiATM and apply for the issuance of additional cards (up to 3 cards) for family and

friends which one will delivery with our customer service via mail to the address of

residence. This process of issuing additional card takes place usually once!

Exchange: The customer foreign currency (cash or card) changed for local currency at a favorable exchange rate on BiATM device. The unit issued Prepaid MasterCard card with the amount of local currency. The great advantage of this system is that the customer can pay with this card in a network of contracted merchants with the agreed discounts. An additional advantage is any unused currency can be deposited at the ATM when they return to the country with full reimbursement. Option: The SMART Currency recognition over 80 currencies.

Withdrawals (Reversible ATM): The device has a reversible reservoir with capacity of 80 banknotes which stores local currency withdrawals (cash management optimization).

Remote advertising on an additional monitor: - The additional screens BiATM's inform and advertise the network contracted merchants with discounts, - Commercial advertising to other companies, - Events in the City ... etc.

The advantage of the BiATM system compared to today's technology: The unemployed, high school pupils, college students, people with blocked accounts:

- The customer does not need to be a Bank client or have a bank account, - Load / Top Up on the card can be made in cash, - Load /Top Up on the card can be made with foreign currency (exchange), - The card is anonymous for the net and personal data can't be stolen, - Services on BiATM devices 24/7 in frequent public places - gas stations, shopping centers, schools, universities, student homes, etc ... - Your family and friends can send money to your card with credit / debit cards via our website.

Employees:

- Personalized Gift prepaid card as the ideal gift, - Service on BiATM devices 24/7 in public places, - Instant Issuing, Load and Top Up with cash or cards on BiATM device, - Instant identification and no need for certifications, - In the case of theft, the unit issue a new card immediately, - Issuing card is anonymous for internet - protection of personal data, - Enrollment data on the card in case of emergencies, - Enrollment of biometric data for 100% safety in the case of theft, - Discounts in payment by contractual merchants,

Diaspora (Migrant Workers)

- Easy to obtain basic card abroad via Web or on BiATM, - Easy to obtain additional cards for relatives and friends in country and send them or request our customer service team for delivery, - In some countries where we have set BiATM relatives may themselves take over cards, - Load/ Top Up from Diaspora abroad on account of basic card and relatives can use money instantly via additional cards in the country, - This way of using Money Share is much cheaper than Money Transfer, - Discounts when pay with card in the network of contracted merchants,

Tourists:

- Service on the BiATM 24/7 in public places where tourists are travelling in many locations, - Cash and tourist credit/debit cards, currency exchange into local currency at a favorable exchange rate on the Prepaid MasterCard, - Discounts when tourists pay in a network of our contracted traders, - Security - in case of theft, tourists can get new one instantly, - The rest of the unused local currency can be picked up at the ATM when they return to the country or spend paying by the card...etc...

Options:

-2 in 1 - Membership & Prepaid MasterCard in 1 Card - Sale of Mobile Phone SIM Cards, -Biometric data on the card: Data that is not public and protected with secure encryption can be used to increase the security of the card, - The medical data on the card: The data can be made public and can be read from cell phones with RFID / NFC software in case of

emergencies. BiATM Software:

BiATM Software - Management and control of the sale of cards and services to BiATM device: - GUI - user navigation by touching the screen, LEDs, voice guidance and online instructions to the user, - Identification of customer eKYC (sensors for fingerprint, signature, iris, face and voice), - Identification of biometric identity documents ekYC (scanner for identity card, passport ... etc.), - Matching data from the sensors and scanners - 100% secure of customer identity, - Load and Top Up with domestic and foreign banknotes/bills (reversible bill validator), - Withdrawal (reversible bill validator), - Load and Top Up with credit / debit cards (EMV certified EFT POS), - Printing and coding Branded Prepaid Card at BiATM device (EMV certified Card Printer), - Printing contract signed (A4 laser printer), - Printing the payment receipt (thermal printer), - Online advertising on additional and basic monitor (in the Screen Saver mode), - Check the Internet on the leased line and move on to the GPRS in case of emergency, - Alert of power failure and move on to the autonomous operation (UPS), - Alarm in case of unauthorized access or attempted theft device, - Communication and data records in the database on the server... etc. BiATM Web Software - Management and control of card sales on the Internet: - GUI - user navigation and data entry for the issuance of prepaid card, - Identification of customer with Web camera on a PC device, - Load and Top Up by credit / debit cards (payment gateway), - Delivery of cards by mail or take over the card at the nearest BiATM devices ... etc . BiATM Server Software - Database and Admin - administration, control and supervision of the system: - Defining the basic parameters for the operation of the system (price of products, services, limits, etc ...), - Accept and record data in a database from BiATM devices, - Monitoring, management and work statistics of the BiATM devices, - Back office verification of input data from customers, - Communication with state authorities to check and validate street addresses, - Communication with the Card Processor for issuing cards on the BiATM device, - Communication with the Processor Card in Withdrawal on the BiATM device ... etc ... BiATM eKYC - Software for eKYC with personal cell phone (iOS and Android).

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