This document describes m-CASH, a mobile money transfer platform that allows users to perform basic banking transactions like savings, payments, money transfers, and bill payments using their mobile phones via SMS or USSD technology without needing a bank account. Key features of m-CASH include no fees or minimum balances, the ability to open accounts and withdraw cash from agents located on the street, and providing financial services to both banked and unbanked populations. The platform uses an ecosystem of banks, agents, administrators, billers/vendors, and card companies to facilitate secure money transfers and payments between users and merchants.

1. m-CASH Mobile Money Transfer PlatformBym-CASH Global Inc

2. Agenda What is m-CASH? m-Cash Actors Benefits How it Works? Functionality Overview Application Contact us

3. What is m-CASH? m-Cash is an innovative mobile to money transfer and payments solution which converts any mobile phone to a micro bank for the unbanked. The new mobile savings and payment system is based on scratch cards and enabled by any SMS enabled mobile phone. m-Cash is a secured hosted platform for financial institutions or mobile operator m-Cash allows you to make mobile to mobile financial transactions simply and securely in a few seconds by using secured SMS / USSD/GPRS technology. m-Cash objective is to enable the un-banked to perform basic banking transactions, in a convenient, reliable, fast, safe and secure manner without visiting the bank. m-Cash is an ecosystem that allows all citizens to participate in the growth and development trajectory of the economy.

4. Application Mobilizing Payment Mobilizing Self TopUp Mobilizing the Banked Mobilizing the Unbanked Mobilizing TopUp Mobilizing Remittance

5. Benefits Account opening on the Street. No need for a bank account. No joining fee, monthly charges, minimum balance, hidden charges. No phone software required for sms based transactions, Can be used on any phone (GSM & CDMA). Asynchronous delivery of information. Free One-Time SMS-Based Registration. 24/7 Customer Support.

6. Contd.., FAST, SAFE, and AFFORDABLE way to send and receive money by phone. m-Cash tariff is competitive compared with other formal savings and payment services. Minimize touting, Minimize counterfeiting, Guaranteed Transaction delivery. Real-time Transaction tracking, any time, any where transactions opportunities.

8. Agents sell m-CASH cards and earn commission

10. Secured mobile transaction to remote user

12. m-CASH Actors Banks Bank can act as agent or Bank could be a operator m-CASH Agents Sells Cash cards, Customer support, Cash collection and m-CASH users can withdraw cash at agent locations (Human Teller Machines) m-CASH Admin Manage Agent networks, Commission Structure, Add Billers, Generate Cash cards Customer support m-CASH Biller/ Vendor Collect the Bill payment from the customer Cash Card companies Sell the secured e-money to the general public m-CASH Users: Users can do Money transfer to other m-CASH users, Pay bills, Cash Deposit , Withdraw money,

14. Money Transfer from m-CASH user 1 to User 2 Mobile 2 Mobile Transaction Send/ Receive e- money between any operator m-CASH Agents Encrypted SMS m-CASH User m-CASH Agents m-CASH System m-CASH Agents Load Cash From Scratch card m-CASH Agents Money Received to User 2 From User 1 m-CASH User

15. C2B Mobile Payment Solution m-Payment between any operator Encrypted SMS m-CASH User m-CASH System Money Transfer from m-CASH user 1 to Merchant Banks Encrypted SMS m-CASH Affiliated Merchants Merchants Merchants Merchants Merchants Money Received to User 1 From Merchant

16. How it Works?

17. Money transfer from scratch card to bank account

19. Money transfer from scratch card to Mobile Phone

21. Money transfer from MSISDN to bank account

23. Check Balance

25. Functionality Overview Easy Account Opening on the street Remote Savings (Daily contribution or Deposit money to your m-Cash account Stored Value Accounts Pay utility bills Money transfer or Send money to friends and relatives Withdraw cash at agent locations, Withdraw e-money as cash etc or Human Teller Machines (HTM) and Mobile ATM Top-ups of airtime and other electronic purses Buy m-Cash e-money Sell m-Cash e-money

26. Contact us Corporate Office :1214 Jefferson Dr, Atlanta GA 30350 USA HP: +001 414 437 9782, Office No: +001 404 246 5039 Email: sales@mcashglobal.com

27. Thank You