press book m2m 2007 va

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THE GROUP MAIN PROJECT RECORDS

2006_2007



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General Information

Headquarters20, rue moussa Bnou Noussair 20000 – Casablanca -

Morocco

M2M Africa – Casablanca - Morocco

M2M Europe – Paris - France

M2M middle east – Dubai - UAE

M2M Cairo - Egypt

International Subsidiaries

M2M Asia - Singapore

Shareholders Equity $67 Million

Current Debt $0

80% Founders (Managing Directors)Capital Structure20% Casablanca Stock exchange (stockholders)

Number of years in e-processing Business 17 years - since 1991

Full-time 169Number of employees

Part-time 0

With more than 220 references in over 40 countries worldwide, M2M Group is a leading international

provider of secure e-transactions processing solutions.

Through its software products, system integration services and Outsourcing solutions, m2m group

delivers world class solutions that help financial institutions, retailers, payment processors, governmental

organizations, service providers and network operators reduce costs, eliminate fraud, improve process

efficiency, maximize services delivery and increase profitability

M2M Group has 5 world subsidiaries and takes advantage from a large network of channel partners across

the globe.

M2M Group is listed in the Casablanca Stock Exchange under the Ticker M2M Group.



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M2M Group ReferencesM2M Group features a large, diverse and highly selective Client Base.

Our clients are large financial institutions, processors, telecom operators, retailers, governmental

agencies and public administrations. They use our solutions to manage innovative services of greater

diversity and to process higher transactions volumes across more platforms and geographies.

Today more than 220 organizations in +40 countries have selected M2M Group’s solutions to their

competitive edge based on performance, time-to-market, conviviality and innovation.

A selection of private and public organizations that are successfully running M2M Group

technologies and services:

Country Customer Since Web Site

Nigeria 2008 www.cardstechnology.com

Chile 2008 www.transbank.cl

Morocco Ministère du Transport

2007 www.mtpnet.gov.ma

Algeria

Algérie Poste

2005 www.poste.dz

Morocco 2004 www.attijari.com

Iran Keshavarazi Bank

2004 www.agri-bank.com

Morocco 2004 www.regie-tabacs.com

Morocco 2003 www.bmcebank.ma



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Moroccan Ministry for Equipment and Transportwww.mpnet.gov.ma

Project Scope:Implementation, deployment, financing and maintenance of the national

program of electronic driving Licences and vehicles registration cards

The program goes LIVE in August 2007.

Based on contacless chip cards, the project constitutes one of the largest transitions from paper to

pulse in the world:

1. Over 13 million cards to be issued at the rate of 600 000 to 700 000 per year.

2. Existing documents are to be replaced during a period of 5 years, representing more than 6 million

driving license cards and 1,8 million vehicle registration cards. The Replacement phase was

launched in October 2008

3. The new electronic documents will enable the Moroccan authorities to improve and modernize

services delivered to citizens, while ensuring a rigorous track of the offences to road code and

transport legislation.

January 17th, 2007: the consortium made up of m2m group, Sagem Security and in which intervenes a large

investment bank, ATTIJARI Capital Risk won the program. On Sunday 18 February, 2007, the concession

agreement was signed by the Moroccan Finance minister, the Moroccan transport minister and therepresentatives of the consortium.

By opting for multi-applicative contactless smart cards, the Moroccan

Ministry for Equipment and Transport (MET) aims to develop a strong activity

of value added services by leveraging the functional openings of the program.

Applications such as “point-record driving licence”, tracking driving offences,

motorway tolls, fees payment … will be developed around the driving licence

card. The applications expected for the vehicle registration cards will cover

applications supporting payment of taxes, vehicle inspection services, follow-

up of violations to transport legislation …

“The m2m group and Sagem Security consortium proposal was considered to

be better on both technical and financial levels” raises the Press Release

published on January 26, 2007 by the Moroccan transport ministry. “On the technical level, the system

implementation strategies are differentiated by a higher level of commitments and quality in terms of the

existing documents replacement strategy and the global equipment of the immatriculation centers, the

personalization center, the central site and the back-up center, enhanced by the large multi-applicative

openings offered by the system and which aim to modernize public services” underlines the same press

release.



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Algérie Poste – Algeriawww.poste.dz

1st interbanking cards issuer in Algeria, serves over 8 millions individualcustomers and operates more than 40 million payment transaction/year

Project objectives:

1. Implement a complete chip-card based EFT system for the largest financial services group inthe country: 3500 branches and 8 million customers

2. Ensure Secure Management of Issuance, Acquiring and e-business activities across a large

ATM banking and POS services network

3. Deliver continuous competitive online services : Mobile payment, top-up …

Algérie Poste, Algeria’s largest savings bank and post services network with an 8 million-customer

base and more than 3500 branches nationwide, chose m2m group expertise to build its entire e-

payment processing chain. The U-payment system called SYMAP went live in October 2005.

Through the system, built around MAGIX™ and set up by m2m group’s experts, the holders of Post

office Saving Accounts can perform various automated interbank transactions such as purchase and bill

payments, statement request, funds transfer and chequebook request in addition to cash withdrawal on

900 ATMs installed across the 48 country departments, mobile payment operations and phone top-up .

By leveraging MAGIXTMlarge functional capabilities,

Algérie Poste manages to reach outstanding levels of

reliability, to modernise its core banking structure and to

raise the standard for consumer banking in Algeria.

Algérie Poste maintains a high level of innovative

services delivery. A large range of upgrades and

innovative applications deployments are underway,

mainly prepaid products packages, e-ticketing and bill

payment services.



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AttijariWafa Bank – Marocwww.attijari.com

1st Financial group in the Maghreb and 8th in Africa : 830 branches : 700 in Morocco, 105 in Tunisia and 20 in Senegal Over 800 000 Cards issued 740 ATMs 2 Million individual customers

AttijariWafa Bank is the leading banking group in the Maghreb and one of the TOP 10 banks in Africa.

AttijariWafa Bank is the product of a mega-merger in 2004 between Wafabank and BCM. During the

merger, m2m group is appointed as the technology partner of this strategic alliance and ensured a

successful total migration of the two mergering organisations towards a single platform based on the

MAGIX™.

THE PROJECT MILESTONES

2001: Project start date 2004: Technology support to the BCM- WAFABANK merger, giving Birth to AttijariWafa Bank

2006: Full-EMV Certification of both Issuing and acquiring activities in a multi-bank andmulti-country environment

m2m group has successfully led the global EMV migration process of AttijariWafa Bank e-paymentplatform.

The large-scale migration was accomplished in January 2007 with the successful certification of bothacquiring of payments and withdrawals along with the EMV issuance. The process supports also the

personalisation of smart cards and the post-issuance of new applications to card schemes.

By using the functional diversity of MAGIX™, AttijariWafa Bank benefits since 1996 from a global and

centralised Multi-Bank platform enabling it to:

1. Manage all the e-transaction processing activities of bank

Moroccan branches as well as International subsidiaries such as AttijariWafa Senegal and AttijariWafa Tunisia

2. Manage the issuing and acquiring activities of its large

portfolio of Visa, Mastercard and Diners Cards, including

debit, credit and Prepaid cards

3. Monitor its wide ATM banking network

4. Launch new value-added products and services,among which figure the launch of a Top-up and Bill

payment Offer in partnership with two major Telecom

operators: Meditelecom and Maroc Telecom. This new

services delivery will help enriching AttijariWafa Bank

offer, which already one of the largest e-payment offers in

the region, including : Prepaid cards, Travel cards, Youth

cards, Revolving credit cards …



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BMCE Bank Group– Morocco

www.bmcebank.ma

Principal Sharehorlders : Finance.com – CIC (Crédit Industriel et Commercial) and MorganStanley ;

A universal banking group with a large network of more than +400 ATMs and a broadpresence across Africa, Europe and Middle East;

+1 500 000 issued cards ; A 600-ATM network

Project scope

One of the largest and most innovative e-payment services portoflolio in Africa:

EMV-compliant payments, Utilities Payment, Phone top-up, Prepaid products and Loyaltyprograms …

THE PROJECT MILESTONES

2003 : Project start date

2005 : Global migration of the bank plateform towards MAGIX™ payment system;

2007: Intensive Development of advanced applications to deploy one of the largest and most

innovative e-payment services portoflolio in Africa: EMV-compliant payments, Utilities

Payment, Mobile top-up, prepaid products and Loyalty programs. 1. Set-up of a secure e-payment processing solution which Full-EMV, multi-partener and multi-

country

2. The 1st EMV cards issued in Morocco were BMCE Bank’s

3. Delivery of a wide spectrum of added-value services : phone Top-up , bill payment, youthcards, travel cards …



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National Bank of Egypt (NBE) – Égypte

Founded en 1898, 4th in Africa and one of the TOP 200 banks in the world www.nbe.com.eg

To achieve its goal of being one of the world's most admired financial service organisations,

National Bank of Egypt needed a new approach to support its business systems and to introduce

enhanced online services targeted to increase customer satisfaction.

Project :To develop, integrate and operate a global plateform in compliance with

EMV standard and at fore front of multi-applications technology

1. A large scale EMV Migration

2. A secure management of Visa and MasterCard cards (a portfolio of 30 card product) : credit

cards, debit card and Co-branded (VSCD and M-chip)

3. Implementation of innovative applications on POS (Prepaid, Bill Payment, Top Up, Loyalty,

Travel, youth card, Cash Back…)

Leveraging advanced functionalities and integrating a new generation of decision-support tools,

MAGIX™ provide National Bank of Egypt with an integrated platform to: Optimize timre-to-market delivery through innovative online services : phone top-up, Bill

payment, prepaid products, discount cards, travel cards, youth cards...

Operate a secure management of its Visa and MasterCard (EMV) cards line-up composed ofthirty card product including credit cards, debit cards, prepaid cards and Co-branded cards

(VSCD and M-chip).



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Nice Côte d’Azur Airport – Francewww.nice.aeroport.fr

Project :Delivery, Integration and Implemention of the 1st airport loyalty programbased on biometric chip cards in Europe

1. setting-up the 1st European Airport Program based on biometric chip cards for identification,

authentication and loyalty enhancements purposes

2. Based on Biometric recognition, Club Airport Premier aims to à sécuriser l’accès aux zones

privilégiées, à mieux connaître le client-passager et à offrir à chaque passager des avantages

personnalisés et un service irréprochable toujours à l’écoute de ses besoins .

Called Club Airport Premier, the reward programme of Nice Côte

d’Azur Airport, France 2nd

largest airport and one of the major gateways

to southern Europe, is the 1st

airport loyalty program based on biometric

chip cards in Europe. Launched in february 2005, Club Airport Premier

quickly went into high gear. Ending 2007, the program accounts already

1 million member (www.nice.aeroport.fr)

Built around MAGIX™, Club Airport Premier is a rich, totally secure and

easy-to-use programme. Indeed, by simply inserting the Club Airport

Premier card into the terminals installed in boarding lounges and placing

the index finger on the scanner pad, the holders of Club Airport Premier

Card get instantly access, with no chance of mistake and no code to

remember (or to forget!) to a huge host of privileges. With a so simple

functioning, Club Airport Premier members earn points on a 100points-scale and benefit gradually from membership privileges each time they

fly from Nice.

Reserved parking places, access to restricted zones, fast track to

boarding zones, discounts on all VIP lounges, real-time info on flights by text message, exclusive discounts in the

airport partner shops and restaurants are some of the advantages put in so that frequent flyers can save time,

money and win loyalty rewards.



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MAATCARD - Luxembourgwww.maatcard.com

Projet :Developing, delivering and operating a platform for the end-to-end

management of MAATCARD.

1. A turnkey solution : Development, implementation and operations outsourcing of the plateform

2. A comprehensive EMV-compliant technology plateform for the management of MAATCARD, thefirst multi-applicative, multi-channels and multi-functions acoustic and contactless bank card

worldwide

3. A Multi-service global solution : e-payment, top-up, money transfer …

4. Initial deployment is due in Cameroun, Senegal, Ivory Coast and Mali by 4th

quarter of 2008

Primarily targeting under-banked countries, MAATCARD is a multi-applicative, multi-channel and multi-

component payment card using a single-usage acoustic PIN that enables a double authentication of transactions

initiated from mobile phones, land lines and PCs equipped with a microphone.

Based on MAGIX™ platform, this unique and universal payment system will widen the use scope of usual bank

card to new services thanks to its remote and contactless operation mode as well as to the coexistence on the

same support of diverse applications of payment, customer loyalty

management and distant access to a highly secure platform of

services. The MAATCARD solution is EMV compliant and has

officially received the approval of the Bank of Central African

States. Its initial deployment is due in Cameroun and Senegal in

March 2008.

MAATCARD is a hybrid card and functions as an e-purse. Built on

MAGIX™ global solution, the card provides secure access toa wide range of services:

ATM withdrawals,

Payment operations,

Instant money transfers,

Phone top-up,

Remote Bill payments,

Internet payments,

Subscription to multimedia services (PayTV, VoIP…)



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Mauritius Post and Cooperative Bank - Ile Maurice

The leading player in Mauritius bank business in terms of market innovation

www.mpcb.mu

Project :A totally secure integrated e-payment processing platform

MAGIXTM, provides MPCB with a powerful and fully integrated solution to handle a large range of

processing operations.

MAGIX enables MPCB to:

Issue debit and credit cards, bypassing today a total of 2 million cards

Manage e-payment acquiring activities across a large network of hundreds of ATMs and

thousands of POS terminals

Develop and implement a variety of innovative applications : ATM Switch, Prepaid, Bill Payment,

Mobile Top-Up …

Using the architectural expansion features offered by MAGIXTM, MPCB is able to deploy new

transaction types, device interfaces and functional enhancements including support for EMV and multi-currency capability, improving customer service and choice, and reducing the risks associated with

credit and debit card fraud.

The card team is already working on further enhancement of the bank automated delivery services and

plans to issue MPCB new card product lines and to introduce Mobile payment and internet banking in

early 2009.



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BNP Paribas Group – France

5th in the banking industry worldwide, 1st bank in the Euro Zonewww.bnpparibas.com

PROJECT MILSTONES2001: Development, deployment and maintenance of a multi-bank global EFT processing center, based in

Paris, to manage all the e-transaction processing activities of 20 worldwide subsidiaries

2006: A Full-EMV migration process of the international issuing and acquiring activities of BNPParibas subsidiaries network was successfully accomplished in April 2006.

Processing centerRussia

LebanonQatar

Madagascar

Paris

Algeria

MaliSenegalGuineaIvory CoastBurkina Faso

MauritaniaAlgeria

ItalyProcessing centerRussia

LebanonQatar

Madagascar

Paris

Algeria

MaliSenegalGuineaIvory CoastBurkina Faso

MauritaniaAlgeria

Italy

Project scope:

In 2001, BNP Paribas group appointed m2m group to set-up a global and centralised platform

enabling it to manage from its international EFT processing center, based in Paris, all the e-

transaction processing activities of its worldwide subsidiaries including Issuing (debit/credit),Acquiring (withdrawal and payment), management of VISA and Mastercard interfaces,

management of authorization and settlement systems along with advanced chargebacks andrisk management.

At the forefront of EMV adoption, BNP Paribas group, entrusted alongside to

m2m group the global EMV migration process of its internationalsubsidiaries. Today, the BNP Paribas large-scale migration process is

crowned with the successful certification of both acquisition of VISA and

Matercard payments and withdrawals along with the EMV issuance. The

process supports also the personalisation of smart cards and the post-

issuance of new applications to card schemes.



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Régie des Tabacs –ALTADIS Group - Morocco

Project: Development, Integration and Outsourcing of a global e-paymentprocessing platform

1. A large migration from paper to pulse across a 24000 point-of-sale distribution network

2. Delivery of a wide range of innovative online services : mobile top-up, Utility payment, cash&carry on

POS ….

In 2003, Altadis group, the European leader in the logistics business, present in more than 35

countries, appointed m2m group to develop, implement and process a multi-service program

via POS terminals across the network of its Moroccan subsidiary, the group’s 2nd

international

unit in terms of production capacity and distribution potential (www.altadis.com).

Using the system built around MAGIXTM and fully outsourced by m2 m:

1. Moroccan citeizens are able to electronically recharge their phone accounts, operate

postpaid bill payments …in thousands of points of sales, almost instantaneously, with

virtually any amount that suits their budget.

2. Points of sales can effect their purchase orders online, benefit from a large range of

payment facilities and have the opportunity to increase store traffic by adding fast, free

and easy online products to the in-store offer.

3. Altadis dematerializes transactions securely across its fast-growing network and

improves time to market for its products delivery channels. MAGIXTMis used to maintain

automatically retailers accounts information, to generate online enquiries and to provide

operations reporting as well as many other decision-

making support tools enabling therefore Altadis to sharpen

client databases and optimize the efficiency of its

Customer Relationship Management.

Using the architectural enhancements offered by MAGIXTM,

Altadis plans to deploy a wide range of value added online

services by 2006. Loyalty packages, ticketing (mass events,

stadium & concerts ticketing) … appear among the scheduled

innovations that simply intend to meet customers’ satisfaction

beyond expectations.

press book m2m 2007 va

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