PAYMENT SYSTEMPAYMENT SYSTEM

ABOUT COMPANYABOUT COMPANY

«Global Express Pay»«Global Express Pay» companycompany – is an international integrator of development, – is an international integrator of development, adjustment and launching of innovation system of electronic vouchers selling, cash and adjustment and launching of innovation system of electronic vouchers selling, cash and non-cash payment service for the various goods and the services. High reliability , multi-non-cash payment service for the various goods and the services. High reliability , multi-functionality and availability for public is advantages of this system.functionality and availability for public is advantages of this system.

MISSIONMISSION

• To made services nearer to their customers To made services nearer to their customers • To increase an amount of trade putlets To increase an amount of trade putlets • To develop functionality of payment systemsTo develop functionality of payment systems• To increase range of goods and servicesTo increase range of goods and services

ABOUT «ND GROUP»ABOUT «ND GROUP»

««Global Express PayGlobal Express Pay»» Company Company was established in 2007 and belong to «ND Group» was established in 2007 and belong to «ND Group» together with companies:together with companies:

• «ND Ltd» company«ND Ltd» company develops applied solutions for gas station networks, including use develops applied solutions for gas station networks, including use of data communications wireless technologies (GSM/GPRS). Developing and patenting of data communications wireless technologies (GSM/GPRS). Developing and patenting sale subscriber’s accounts updating codes (mobile communication, the Internet, etc.) sale subscriber’s accounts updating codes (mobile communication, the Internet, etc.) system is an achievement of this company (patent № 9475 date 15/09/2005). Name of system is an achievement of this company (patent № 9475 date 15/09/2005). Name of this system is Notion Digit. Today «ND Ltd» company is one of the largest innovation this system is Notion Digit. Today «ND Ltd» company is one of the largest innovation processing company in Ukraineprocessing company in Ukraine

• «ND Datecs» Ltd«ND Datecs» Ltd is developer and producer of cash and control systems of gas station is developer and producer of cash and control systems of gas station networks managing, it also produces terminal solutions for system Notion Digitnetworks managing, it also produces terminal solutions for system Notion Digit

• «ARGUS – security systems» Ltd«ARGUS – security systems» Ltd offers offers installation of fire and burglar alarms and installation of fire and burglar alarms and security systemssecurity systems

• «ND Ltd» company No2«ND Ltd» company No2 – producer of ultrasonic measuring device and self-service – producer of ultrasonic measuring device and self-service payment kioskspayment kiosks

• «NaftoGaz Card» Ltd«NaftoGaz Card» Ltd – the founder of automated system of cash and non-cash – the founder of automated system of cash and non-cash payment for fuel in gas station networks by means of plastic cards and coupons and payment for fuel in gas station networks by means of plastic cards and coupons and loyalty System for customersloyalty System for customers

• «Service-Crimea» Ltd«Service-Crimea» Ltd – provides complex service support for ND Group’s gas station – provides complex service support for ND Group’s gas station and terminal decisions equipmentand terminal decisions equipment

Total Total year turnoveryear turnover ND GROUP ND GROUP - - 10 000 000 €10 000 000 €

Total Total year turnoveryear turnover our processing center our processing center on reception of payments - on reception of payments - 600000000600000000 € €It will have It will have 1 000 000 000 €1 000 000 000 € total total turnoverturnover our processing center our processing center until the end 2007 until the end 2007 Global Express PayGlobal Express Pay hashas 45004500 trade putlets trade putlets all over the world today (SELF- all over the world today (SELF-SERVICE KIOSK, POS-Terminal, CASH REGISTER, payment module for PC, …)SERVICE KIOSK, POS-Terminal, CASH REGISTER, payment module for PC, …)It will have It will have 10 00010 000 trade putletstrade putlets until the end 2007 until the end 2007

IDEOLOGY PAYMENT SYSTEM GLOBAL EXPRESS PAY

IDEOLOGYIDEOLOGY

The preconditions for this research is the analysis of Pre-Paid cards market, which have The preconditions for this research is the analysis of Pre-Paid cards market, which have few disadvantages:few disadvantages:

• physical logistic – transportation, storing, stock-taking , distributionphysical logistic – transportation, storing, stock-taking , distribution• periodical lack of Pre-Paid cards in the regionsperiodical lack of Pre-Paid cards in the regions• non-liquid remainsnon-liquid remains• limit of income growslimit of income grows• forgery of the goods by sellersforgery of the goods by sellers

Our system do not have this disadvantages, it makes the control of sales easier with help Our system do not have this disadvantages, it makes the control of sales easier with help of WEB-instruments. of WEB-instruments.

IDEOLOGYIDEOLOGY

• one goods and services local databasesone goods and services local databases• multyservices connectionsmultyservices connections• guarantee of sales procedure in accordance with requirements of services operatorsguarantee of sales procedure in accordance with requirements of services operators• absence of commercial information in memory of the terminalsabsence of commercial information in memory of the terminals• information about goods and services are always available on the serverinformation about goods and services are always available on the server• organization of information supply of trade putlets by the terminalsorganization of information supply of trade putlets by the terminals• centralized price formation (one consumer price)centralized price formation (one consumer price)• operative balance state control of trade putlets organizationoperative balance state control of trade putlets organization• availability of mobile report systemavailability of mobile report system

FUNCTIONALITYFUNCTIONALITY

GOODSGOODS ANDAND SERVICESSERVICES

• e-vouchere-voucher of all mobile operators for updating subscriber’s accountsof all mobile operators for updating subscriber’s accounts• e-voucher of leadinge-voucher of leading Internet providers Internet providers• e-voucher of ІР–telephony e-voucher of ІР–telephony • any sum accounts updatingany sum accounts updating• payments for municipal servicespayments for municipal services• payments for consumer creditspayments for consumer credits• payments for payments for televisiontelevision • insurance payments insurance payments • payments for purchases in Internet shopspayments for purchases in Internet shops• sale sale transporttransport tickets • sale sale lotterylottery tickets• salesale in Ukraine any sumin Ukraine any sum updating for subscribers ofupdating for subscribers of Russian mobile operators Russian mobile operators

REPLICATIONREPLICATION OF THE SYSTEMOF THE SYSTEM

• organization of self-service payment kiosks processingorganization of self-service payment kiosks processing• launchinglaunching of processing centers all over the worldof processing centers all over the world• organization oforganization of POS-terminal processing POS-terminal processing

PARTNERSPARTNERS

PRIMARY PARTNERS IN UKRAINE FOR MAJOR BRANDSPRIMARY PARTNERS IN UKRAINE FOR MAJOR BRANDS

RETAIL STORIES CONNECTEDRETAIL STORIES CONNECTED

LOCAL PAYMENT RECEPTION PROCEDURESLOCAL PAYMENT RECEPTION PROCEDURES

LOCAL LOCAL SERVERSERVER

CASH REGISTERCASH REGISTER

GEP GEP MAIN MAIN

SERVER SERVER UKRAINEUKRAINE

GEP GEP SERVER SERVER RUSIARUSIA

BANK BANK RUSIARUSIA

BANK UKRAINEBANK UKRAINE

LOCAL LOCAL BANKBANK

……

OPERATORS OPERATORS RUSIARUSIA

……

OPERATORS OPERATORS UKRAINEUKRAINE

Local number verfication

Local number verfication

Payment clearance

Payment clearancePayment

Receipt Payment Payment

SMS

Report

Payment

Payment rate GEP

Local number verfication

LOCALLOCAL

OPERATORSOPERATORS

GLOBAL PAYMENT RECEPTION PROCEDURESGLOBAL PAYMENT RECEPTION PROCEDURES

Number verfication

Number verfication

Payment clearance

Payment clearancePayment

Receipt Payment

Payment

SMS

Payment

Payment rate GEP

Number verfication

Number verficationPayment

clearance

Payment

Report

Report

LOCAL LOCAL SERVERSERVER

CASH REGISTERCASH REGISTER

GEP GEP MAIN MAIN

SERVER SERVER UKRAINEUKRAINE

BANK BANK RUSIARUSIA

BANK UKRAINEBANK UKRAINE

LOCAL LOCAL BANKBANK

……

OPERATORS OPERATORS RUSIARUSIA

……

OPERATORS OPERATORS UKRAINEUKRAINE

GEP GEP SERVER SERVER RUSIARUSIA

LOCALLOCAL

OPERATORSOPERATORS

LOCAL PIN SALE PROCEDURESLOCAL PIN SALE PROCEDURES

Operator card amount

Activated PIN on bill

Encrypted data

Encrypted data activated PIN

GEP GEP MAIN MAIN

SERVER SERVER UKRAINEUKRAINE

PIN PIN database database

salesale

SELF-SERVICE SELF-SERVICE KIOSKKIOSK LOCAL LOCAL

SERVERSERVER

PIN activation

LOCALLOCAL

OPERATORSOPERATORS

Report

……

OPERATORS OPERATORS UKRAINEUKRAINE

PIN PIN database database

salesale

GLOBAL PIN SALE PROCEDURESGLOBAL PIN SALE PROCEDURES

Operator card amount

Activated PIN on bill

Encrypted data

Encrypted data activated PIN

GEP GEP MAIN MAIN

SERVER SERVER UKRAINEUKRAINE

PIN PIN database database

salesale

SELF-SERVICE SELF-SERVICE KIOSKKIOSK LOCAL LOCAL

SERVERSERVER

LOCALLOCAL

OPERATORSOPERATORS

PIN activation

……

OPERATORS OPERATORS UKRAINEUKRAINE

PIN PIN database database

salesale

Encrypted data

Encrypted data activated PIN

PAYMENT TECHNOLOGIESPAYMENT TECHNOLOGIES

The universal payment reception technologies provide the reception The universal payment reception technologies provide the reception of funds by means of the following structures:of funds by means of the following structures:

Web-site withpayment form

Payment module for PCSELF-SERVICE

KIOSK

Cashier of a retail network shop, using automatic

CASH REGISTER

POS-Terminal

MAJOR CUSTOMERS OF GEP PAYMENT RECEPTION SYSTEMMAJOR CUSTOMERS OF GEP PAYMENT RECEPTION SYSTEM

SUPERMARKETSSUPERMARKETS

FIXED-LINE FIXED-LINE COMMUNICATIONSCOMMUNICATIONS

PAYMENT PAYMENT TERMINALSTERMINALS

FILING FILING STATIONSSTATIONS

MOBILE MOBILE COMMUNICATIONCOMMUNICATION

SS

INTERNET AND INTERNET AND IP-TELEPHONYIP-TELEPHONY

MUNICIPAL MUNICIPAL SERVICESSERVICES

INSURANCEINSURANCE

TRANSPORT AND TRANSPORT AND LOTTERY TICKETSLOTTERY TICKETS

BANKSBANKS

BILL PAYMENT BILL PAYMENT AND ACCOUNT AND ACCOUNT

REPLENISHMENTREPLENISHMENT

VIA PAYMENT VIA PAYMENT ACCEPTANCE ACCEPTANCE

OUTLETSOUTLETS

DIGITAL DIGITAL TELEVISIONTELEVISION

OUR CONCEPTOUR CONCEPT

A Multi-Channel Topup and Payment SolutionA Multi-Channel Topup and Payment Solution

GOODS AND GOODS AND SERVICES SERVICES

SUPPLIED FOR SUPPLIED FOR ELECTRONICALLY ELECTRONICALLY

SELLINGSELLING

((for examplefor example ммobile telephone obile telephone airtimeairtime, , telecom telecom content, party content, party services and services and

anotheranother)

PRE-PRE-PAIDPAID

POST-POST-PAIDPAID

E-E-DELIVERYDELIVERY

TOPUPTOPUP

PAYMENTPAYMENT

INTERNETINTERNET

RETAIL RETAIL OUTLETSOUTLETS

KIOSKSKIOSKS

POS POS terminalterminal

PAYMENT DISTRIBUTION CHANNELS AND PAYMENT PAYMENT DISTRIBUTION CHANNELS AND PAYMENT

RETAIL CHANNELSRETAIL CHANNELS

POSPOS EPOSEPOS

SELF-SERVICE CHANNELSSELF-SERVICE CHANNELS

INTERNETINTERNET KIOSKKIOSK

PaymentPayment optionsoptions::

Any payment method available at the Any payment method available at the retailer (card, cash, account, etc.)retailer (card, cash, account, etc.)

PaymentPayment optionsoptions::

• credit/debit cardcredit/debit card• • cash (Kiosk)cash (Kiosk)• • vendor account transfer (Internet)vendor account transfer (Internet)

OVERVIEW OF APPLICATION. CANNELS AND PRODUCTSOVERVIEW OF APPLICATION. CANNELS AND PRODUCTS

Possible ApplicationsPossible Applications

• Mobile airtimeMobile airtime• Long distance airtimeLong distance airtime• Mobile content (games, wallpapers and ring-tones)Mobile content (games, wallpapers and ring-tones)• Tickets, lotto, sport events, concert etc.Tickets, lotto, sport events, concert etc.• insurance policeinsurance police• credit repaymentcredit repayment Possible ChannelsPossible Channels

• InternetInternet• KioskKiosk• EposEpos• PosPos

Possible ProductsPossible Products

• e-vouchere-voucher• e-topupe-topup• e-Paymente-Payment• m-Transferm-Transfer• m-Buym-Buy

INTERNET RECHARGEINTERNET RECHARGE

INTERNETINTERNET

KIOSKKIOSK

POS DELIVERY OPTIONSPOS DELIVERY OPTIONS

CCUSTOMER RECEIPTUSTOMER RECEIPT::

e-Vouchere-Voucher

• Terminals could be on line or off lineTerminals could be on line or off line• Terminal prints out voucher which contains 12 digit pinTerminal prints out voucher which contains 12 digit pin number.number.

Customer uses pin to topup mobile airtime accountCustomer uses pin to topup mobile airtime account

e-Topupe-Topup

Customer provides mobile number and the prepaid account is Customer provides mobile number and the prepaid account is automatically topped up. Terminal prints out receipt and automatically topped up. Terminal prints out receipt and customer receives SMS notification of the topup customer receives SMS notification of the topup

e-Paymente-Payment

Customer provides bill number and receives Payment Voucher Customer provides bill number and receives Payment Voucher (receipt) and SMS notification of the paymentLunaSolutions(receipt) and SMS notification of the paymentLunaSolutions

EPOSEPOS

Global Express PayGlobal Express Pay is integrated to retailers cash registersis integrated to retailers cash registers

E-TOPUPE-TOPUP

What is e-TopUp ?

Direct electronic TopUp of airtime to end user through different channels like POS, EPOS, Kiosk, Internet.

Key Features

• Extensive reporting/accounting features• Seamless connection to operator prepay server

Key Benefits

• Instant information about sales for distributors and retailers • Instant recharge, convenient way for end customer • Constant availability or supply of airtime

E-PAYMENTE-PAYMENT

What is e-Payment? What is e-Payment?

Electronic distribution and payment of bills through POSElectronic distribution and payment of bills through POS

Key FeaturesKey Features

• Customer receives notification of due bills Customer receives notification of due bills • Supports wide variety of self service and retail channelsSupports wide variety of self service and retail channels• Extensive tracking, reporting, billing, troubleshooting and management toolsExtensive tracking, reporting, billing, troubleshooting and management tools

Key BenefitsKey Benefits

• Convenience for consumer – Convenience for consumer – pay anytime and anywherepay anytime and anywhere• Better cash flow for operators-bills paid in a timely fashionBetter cash flow for operators-bills paid in a timely fashion

M-TRANSFERM-TRANSFER

What is M-transfer ?What is M-transfer ?

Electronic transfer of airtime from distributor to retailer, (re-seller) and to end user Electronic transfer of airtime from distributor to retailer, (re-seller) and to end user using mobile phone or Internet. using mobile phone or Internet.

Key FeaturesKey Features

• Easy traceability of transactions. Easy traceability of transactions. • Extensive reporting, accounting, billing and management tool.Extensive reporting, accounting, billing and management tool.• Transfer through mobile phone and/or Internet Transfer through mobile phone and/or Internet

Key BenefitsKey Benefits

• Less investment for distributors and retailersLess investment for distributors and retailers• Easy to re-issue payment confirmations or notifications without duplicationEasy to re-issue payment confirmations or notifications without duplication• Instant information about sales for distributors and retailersInstant information about sales for distributors and retailers• Easy to expand market network, non traditional retailers can become resellers, Easy to expand market network, non traditional retailers can become resellers, reaching more customersreaching more customers

M-BUYM-BUY

What is M-Buy ?What is M-Buy ?

Use of mobile phone to purchase small ticket items using mobile or fixed Use of mobile phone to purchase small ticket items using mobile or fixed accounts as a payment mechanismaccounts as a payment mechanism

Key FeaturesKey Features • Easy-to-use mobile phone to pay for itemsEasy-to-use mobile phone to pay for items• Secured interfaceSecured interface• Extensive tracking and reporting tools Extensive tracking and reporting tools

Key BenefitsKey Benefits

• Instant information Instant information • Increased usage of airtime for operatorsIncreased usage of airtime for operators• New transaction revenues New transaction revenues

Examples of applicationExamples of application

• Take out serviceTake out service: Order and payment of pizza : Order and payment of pizza • Mobile contentMobile content: Order and payment of games, ring tones etc.: Order and payment of games, ring tones etc.• TicketsTickets: Order and payments of tickets: Order and payments of tickets• ParkingParking: Order and payments of parking : Order and payments of parking • CafeteriaCafeteria: Payments of food items: Payments of food items• Convenience storesConvenience stores: Payment of goods: Payment of goods• Vending machinesVending machines: Payment of goods: Payment of goods• Internet cafeInternet cafe: Payment of Internet access: Payment of Internet access

SUMMARY OF FEATURES FOR OPERATORSSUMMARY OF FEATURES FOR OPERATORS

Retail Channels

• EFT POS terminals • EPOS (cash register integration)• Web

Self-Service Channels

• Standalone Web Shop or integration with existing web site • Kiosk

e-Products

• e-Voucher. PIN is used to acquire the product• e-Topup. Direct TopUp with integration to vendor• e-Payments. Payment of bills for postpaid services• m-Transfer. Value transfer between mobile phone accounts• m-Buy. Small purchases using mobile phone

PRODUCTS, CHANNELS AND PAYMENT METHODSPRODUCTS, CHANNELS AND PAYMENT METHODS

A Multi-Channel Topup and Payment SolutionA Multi-Channel Topup and Payment Solution

CCHHAANNNNEELLSS

Electronic ProductElectronic Product Payment methodPayment method

e-e-TopupTopup

e-e-

VoucherVoucher

e-e-

PaymentPayment

CreditCredit

CardCardCardCard

on fileon fileCashCash

Mobile Mobile phonephone

++ ++ ++ -- ++ --

POS / POS / EPOSEPOS

++ ++ ++ ++ -- ++

WebWeb ++ ++ ++ ++ ++ --

KioskKiosk ++ ++ ++ ++ ++ ++

DISTRIBUTION MODELSDISTRIBUTION MODELS

Traditional distribution model –Scratch CardsTraditional distribution model –Scratch Cards

Operator Operator Distributor Distributor Merchant Merchant

GSM UserGSM User

New distribution model –Electronic New distribution model –Electronic

Operator Operator Global Global

Express Express PayPay

Merchant Merchant

GSM UserGSM User

Operator Operator Global Express PayGlobal Express Pay GSM UserGSM User

VALUE PROPOSITIONVALUE PROPOSITION

Operators:

• Extensive cost savings over scratch card system• Offers effective channel to access small to medium sized retail locations• Efficient logistics and distribution of service• Offers efficient and secure delivery of services and electronic funds transfer• Improves market intelligence and up to date information on sales• Flexible marketing and product offering• Increase efficiency , sales, and profitability

Merchants:

• Zero stock requirements for retailers • Helps expand product range• Improves cash flow and product management and reporting.• Prevents fraud and theft• Offers efficient electronic funds transfer –saves time• Increases efficiency, sales and profitability

CONTACT INFIRMATIONCONTACT INFIRMATION

““Global Express Pay” Ltd.Global Express Pay” Ltd.

UkraineUkraine, 03151, Kyiv, st. Narodnogo Opolcheniya 5A, build 2, 5 floor , 03151, Kyiv, st. Narodnogo Opolcheniya 5A, build 2, 5 floor telephone: +380445013040telephone: +380445013040e-mail: info@ge-pay.come-mail: info@ge-pay.comhttp://www.ge-pay.comhttp://www.ge-pay.com

RussianRussian, , 121083, Moscow121083, Moscow , , Beregovoy Beregovoy passagepassage,, buildbuild 33telephone:telephone: +74959409627+74959409627e-mail: info@ge-pay.come-mail: info@ge-pay.comhttp://www.ge-pay.comhttp://www.ge-pay.com

JordanJordan, Amman-Al-Bayader, Hussein Khawaja St., Amman-Al-Bayader, Hussein Khawaja St.P.O.Box: 14168 AmmanP.O.Box: 14168 Amman 11814 Jordan11814 Jordantelephone:telephone: +9627758522275852227, , +9627758228875822887e-mail: info@gep.joe-mail: info@gep.johttp://http:// www.gep.jowww.gep.jo

THANK YOUTHANK YOU