International Mobile Top-UpWorldwide Airtime RemittancePresented by Bruce BurkeDirector of Business Development

International Mobile Top-UpAirtime RemittancePrepaid billing is the standard for most mobile phone plans worldwide Airtime Remittance is similar to sending money, gift cards, or flowers Money is taken in, balance is added to the designated prepaid mobile account in foreign country End-user determines usage of the remitted balance for various services

Prepaid billing is the standard for most mobile phone plans worldwide

Airtime Remittance is similar to sending money, gift cards, or flowers

Money is taken in, balance is added to the designated prepaid mobile account in foreign country

End-user determines usage of the remitted balance for various services

International Mobile Top-UpStaying Connected Connects airtime remitter and receiver in many different ways Connectedness encourages reoccurring top-up transactions Provides previously unaffordable or unattainable services for end user

Connects airtime remitter and receiver in many different ways

Connectedness encourages reoccurring top-up transactions

Provides previously unaffordable or unattainable services for end user

International Mobile Top-UpInternational Youth Market Youth Market is 50% of world market in mobile products & services In poorer countries, teens can only afford text, not voice package for mobile access Customization, music, games, streaming, and location services result in higher ARPU New subscriber focused on youth market – plans are to create life-long customer

Youth Market is 50% of world market in mobile products & services

In poorer countries, teens can only afford text, not voice package for mobile access

Customization, music, games, streaming, and location services result in higher ARPU

New subscriber focused on youth market – plans are to create life-long customer

International Mobile Top-UpMobile Networks GSMA reports over 500 million subscribers across 298 networks in 48 countries worldwide Total network access worldwide 761 million subscribers Other network technologies include iDEN, WCDMA, CDMA 2000, TDMA and variations The GSM Association's members represent more than 3 billion GSM and 3GSM connections worldwide

GSMA reports over 500 million subscribers across 298 networks in 48 countries worldwide

Total network access worldwide 761 million subscribers

Other network technologies include iDEN, WCDMA, CDMA 2000, TDMA and variations

The GSM Association's members represent more than 3 billion GSM and 3GSM connections worldwide

International Mobile Top-Up

International Mobile Top-Up

International Mobile Top-UpWorldwide Community There are more than 150 mobile operators in 50 countries working to deploy and promote Facebook mobile products 1 in 50 Africans had a mobile phone in 2000, now 28 % of the population has a cellular subscription Allot GMBT reports worldwide mobile data bandwidth usage has increased by approximately 30% during the second quarter of 2009. Asia leads the growth with 36%; Europe posted 28% growth and the Americas 25%

There are more than 150 mobile operators in 50 countries working to deploy and promote Facebook mobile products

1 in 50 Africans had a mobile phone in 2000, now 28 % of the population has a cellular subscription

Allot GMBT reports worldwide mobile data bandwidth usage has increased by approximately 30% during the second quarter of 2009. Asia leads the growth with 36%; Europe posted 28% growth and the Americas 25%

International Mobile Top-UpMobile Commerce Mobile Money for Unbanked (MMU) launched in Feb 09 to raise rate the availability of mobile money services to the unbanked Net-enabled mobile devices will drive the global online trend, surpassing the desktop PC as the primary means of accessing the internet by 2012 Mobile Money Products: M-Pesa, Wing, OboPay and many others target underserved market

Mobile Money for Unbanked (MMU) launched in Feb 09 to raise rate the availability of mobile money services to the unbanked

Net-enabled mobile devices will drive the global online trend, surpassing the desktop PC as the primary means of accessing the internet by 2012

Mobile Money Products: M-Pesa, Wing, OboPay and many others target underserved market

International Mobile Top-UpIncreased Communications More Communications = Increased Tourism and Commerce Greater access to information and resources – entire infrastructure improves Improved economic dynamics with mobilized workers – equalizes countries More communications taking place worldwide – borders begin to flatten

More Communications = Increased Tourism and Commerce

Greater access to information and resources – entire infrastructure improves

Improved economic dynamics with mobilized workers – equalizes countries

More communications taking place worldwide – borders begin to flatten

International Mobile Top-UpMarketing Top-Up Some operators are providing a free text request service so recipient can “beg” a top-up from family or friends Availability of top-up services advertised to end-users via text, direct mail, and on providers TV, billboard, print and web advertising. Displaced citizens in U.S. are being marketed with nostalgic imagery and messages in their native language

Some operators are providing a free text request service so recipient can “beg” a top-up from family or friends

Availability of top-up services advertised to end-users via text, direct mail, and on providers TV, billboard, print and web advertising.

Displaced citizens in U.S. are being marketed with nostalgic imagery and messages in their native language

International Mobile Top-UpMarketing Top-UpMessage is specific to customer, country and carrier – very specialized niche advertising markets Network providers are seeking revenue from outside their borders Top-up provides conduit for sales of ancillary services IE: International Money Transfer

Message is specific to customer, country and carrier – very specialized niche advertising markets

Network providers are seeking revenue from outside their borders

Top-up provides conduit for sales of ancillary services IE: International Money Transfer

International Mobile Top-UpMusic / Games / Apps Although service is prepaid, handsets are current and have MP3, Cameras, Bluetooth, GPS, and Accelerometers Remittance balance can be used to purchase and download music, games, applications and more. Data plans can be utilized for live streaming, location, and other interconnected services

Although service is prepaid, handsets are current and have MP3, Cameras, Bluetooth, GPS, and Accelerometers

Remittance balance can be used to purchase and download music, games, applications and more.

Data plans can be utilized for live streaming, location, and other interconnected services

International Mobile Top-UpContests / Promotions Allows collection of information from an otherwise anonymous customer Promotes the brand and integrates provider with culture icons and stars Promotes energy and excitement around the brand – creates great spokespeople who win and tell! Builds name / brand recognition through giveaways of free hats, t-shirts, beach bags, towels, stickers and more

Allows collection of information from an otherwise anonymous customer

Promotes the brand and integrates provider with culture icons and stars

Promotes energy and excitement around the brand – creates great spokespeople who win and tell!

Builds name / brand recognition through giveaways of free hats, t-shirts, beach bags, towels, stickers and more

International Mobile Top-UpInfrastructure Providers contribute to maintenance of their subscribers infrastructure Roads, signage, painting, lighting Some carriers offer to paint homes and businesses in strategic locations throughout footprint Company is revered, protected and is integrated into daily society

Providers contribute to maintenance of their subscribers infrastructure

Roads, signage, painting, lighting

Some carriers offer to paint homes and businesses in strategic locations throughout footprint

Company is revered, protected and is integrated into daily society

International Mobile Top-UpGiving Back Accelerates economy, resulting in charity to less fortunate Safety programs, alert broadcasting, emergency supply information and mobile money donations to help poor Microloans for small business seed capital accomplished via mobile money

Accelerates economy, resulting in charity to less fortunate

Safety programs, alert broadcasting, emergency supply information and mobile money donations to help poor

Microloans for small business seed capital accomplished via mobile money

International Mobile Top-UpGoverning / Association CTIA-The Wireless Association, is the international organization that represents all sectors of wireless communications – cellular, personal communication services and enhanced specialized mobile radio The GSMA represents the worldwide mobile communications industry. Spanning 219 countries, the GSMA unites nearly 800 of the world’s mobile operators, as well as more than 200 companies in the broader mobile ecosystem

CTIA-The Wireless Association, is the international organization that represents all sectors of wireless communications – cellular, personal communication services and enhanced specialized mobile radio

The GSMA represents the worldwide mobile communications industry. Spanning 219 countries, the GSMA unites nearly 800 of the world’s mobile operators, as well as more than 200 companies in the broader mobile ecosystem

International Mobile Top-UpTop-Up Technology Works simply on all interfaces; web-based or terminal software programs No requirements of remitter or end-user, no trainingnecessary, simple alerts and receipts Platform services provide the transaction, messaging, and reporting of remittance It’s not just about selling service to natives In grass huts anymore…

Works simply on all interfaces; web-based or terminal software programs

No requirements of remitter or end-user, no trainingnecessary, simple alerts and receipts

Platform services provide the transaction, messaging, and reporting of remittance

It’s not just about selling service to natives In grass huts anymore…

International Mobile Top-Up

International Mobile Top-UpRoaming / Portability According to the World Bank, more than 200 million people live outside their home country. Mobile networks, which are now globally available, help immigrants stay connected to loved ones Several International operators have roaming agreements with U.S. networks IE: Movistar customers can roan on T-Mobile network in the USA Many providers are distributing Quad band handsets that travel effortlessly, connecting to almost any network type in the world

According to the World Bank, more than 200 million people live outside their home country. Mobile networks, which are now globally available, help immigrants stay connected to loved ones

Several International operators have roaming agreements with U.S. networks IE: Movistar customers can roan on T-Mobile network in the USA

Many providers are distributing Quad band handsets that travel effortlessly, connecting to almost any network type in the world

International Mobile Top-UpUnification / Communication Education of other cultures through interconnectedness and social networks Continued development of high speed data networks coupled with capable mobile devices and applications can greatly benefit world growth and change Open mindedness and assimilation – looking for similarities rather than differences between two cultures Translation software, currency exchange calculations, and mobile money networks all connect people, economies and ideas

Education of other cultures through interconnectedness and social networks

Continued development of high speed data networks coupled with capable mobile devices and applications can greatly benefit world growth and change

Open mindedness and assimilation – looking for similarities rather than differences between two cultures

Translation software, currency exchange calculations, and mobile money networks all connect people, economies and ideas

For More Information:Bruce Burke(800)432-7787 x 250bruce@ipaystation.comwww.ipaystation.com