CLPI Investor Presentation

1. The Payment Network of India
TICKER- OTC: CLPI
Thursday, 31 March 2016 1

2. REQUIRED STATEMENT ABOUT FORECASTS
Calpian’s models and projections are based on certain key assumptions, including but not limited to the following:
Availability of adequate and appropriately priced financing to continue in business
Availability of acquisitions which can be completed
Continued performance of key staff
Continued favorable business conditions and economic climate.
Money on Mobile Forecasts are the representation of MoM Management.
Certain of the statements contained herein may be statements of future expectations and other forward-looking statements that are based on management's
current views and assumptions and involve known and unknown risks and uncertainties that could cause actual results, performance or events to differ
materially from those expressed or implied in such statements. In addition to statements which are forward-looking by reason of context,the words
“may,”“will,”“should,”“expects,”“plans,”“intends,”“anticipates,”“believes,”“estimates,”“predicts,”“potential,” or “continue” and similar expressions
identify forward-looking statements. Actual results, performance or events may differ materially from those in such statements due to, without limitation, (i) our
ability to acquire retail credit card processing residual streams (“residuals”), (ii) our ability to raise capital to fund our acquisitions, (iii) our ability to successfully
integrate multiple residuals acquisitions, (iv) changing levels of competition, (v) changes in laws and regulations, including government regulation of the credit
card processing industry and other related financial institutions, and (vi) general competitive factors. This business plan is for confidential information purposes
only and is not a solicitation for investment.
THIS DOCUMENT DOES NOT CONSTITUTE AN OFFER TO SELL OR THE SOLICITATION OF AN OFFER TO BUY ANY SECURITIES.ANY
OFFER OF SECURITIES OF THE COMPANY SHALL BE MADE ONLY TO QUALIFIED INVESTORS IN ACCORDANCE WITH APPLICABLE
SECURITIES LAWS. THE SECURITIES LAWS PROHIBIT ANY PERSON WHO HAS MATERIAL NON-PUBLIC INFORMATION ABOUT A
COMPANY FROM PURCHASING OR SELLING, DIRECTLY OR INDIRECTLY, SECURITIES OF SUCH COMPANY.
Thursday, 31 March 2016 2

3. COMPANY HIGHLIGHTS
 Explosive Growth
 Volume Growth +220% YOY
 Revenue Growth 43% YOY
 Good Financials
 41% Gross Margin
 Proven Customer Demand
 Serviced over 170 million customers
 300,000+ Points of Presence
 Huge Market
 Estimated $ 8 Billion Revenue Potential
 Leader in the Space
Thursday, 31 March 2016 3

4. Shashank Joshi
Founder / Director
Maharastra Institute of Technology
10 years in payments
Strategic Relationships
Fino PayTech, Easy Bill
11 years India payments
Vimal Dhar
Founder and President (India)
Commerce Graduate from Mumbai
University
Six Sigma Black Belt candidate
Ranjeet Oak
TEAM
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Harold Montgomery
CEO, Calpian (USA)
Stanford University MBA, 1985
Started in payments in 1987
Will Dawson
EVP Mobile Money, Calpian
COO, MasterCard Mobile Money
JV
Launched Mobile Money in Egypt
& Turkey
Scott Arey
CFO, Calpian
Stanford University BA, 1984
10 years Bank of America Group
CFO

5. New
Growth
Habit
Forming
CurrentGrowth
Drivers
WHAT MoneyOnMobile DOES
306,423
Retail
Stores
170 Million
Indian
Consumers
Make
Money via
Commission
Saves
Time and
Money
Travel Tickets
Domestic Remittance
(P2P)
Mobile Airtime
Television
eCommerce
Metro Card Recharge
Utility Payments
Thursday, 31 March 2016 5

6. MAKING DUMB PHONES SMART
Thursday, 31 March 2016 6
Our Services Turns
any Ordinary Phone
into a Point-of-Sale
Terminal for the
Agent to Perform
Financial Transactions

7. 252,815
306,423
240,000
260,000
280,000
300,000
320,000
Size of Retail Network
₹ 1.8
₹ 6.1
₹0.0
₹1.0
₹2.0
₹3.0
₹4.0
₹5.0
₹6.0
₹7.0
Billions
Total Processed
Volume
GROWING VOLUME AND RETAIL NETWORK
Thursday, 31 March 2016 7

8. 306,423 Agents and
5,150 Distributors
RETAILER NETWORK
Thursday, 31 March 2016 8
Maharashtra
West
Bengal
AssamUttar Pradesh
Bihar
Rajasthan
Haryana
Andhra
Pradesh
Jharkhand
Gujarat
Punjab
Tamil Nadu
Madhya Pradesh
Orissa
Meghalaya
Uttarkhand
Chandigarh
Jammu & Kashmir
Himanchal
Goa
Sikkim

9. EXTERNAL VALIDATION
#1 IN INDIA
#3 WORLDWIDE
9Thursday, 31 March 2016

10. GROWTH DRIVERS
#1: INCREASE MARKET REACH
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Current Reach:
8 M Consumers
US$ 6.8 M Revenue
Expanded Reach:
600 M Consumers
US$ 556 M Revenue
Achieved By Adding More Agents to Our
Network
Travel Ticketing: $ 15
P2P Transfers: $ 60
eCommerce: $ 40
Cell Phone Top Up: $ 2
TV Top Up: $ 4
Utility Payments: $ 40
All numbers are our estimates
Total Estimated Monthly
Spend Per Consumer: $
161

11. GROWTH DRIVERS
#2: INCREASE SHARE OF WALLET OF EXISTING SERVICES
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Utility Payments: $ 40
TV Top Up: $ 4
Travel Ticketing: $ 15
P2P Transfers: $ 60
eCommerce: $ 40
Cell Phone Top Up: $ 2
Our Current Share
of Wallet is $ 10
US$ 556 M Revenue
Expanded Share
of Wallet: $ 161
US$ 8,300 M Revenue
All numbers are our estimates
Achieved By Getting Our Consumers To
Spend More with Us

12. GROWTH DRIVERS
#3: INCREASE RETURN ON DOMESTIC REMITTANCE
Thursday, 31 March 2016 12
Today
Daily Volume: $ 1.2 m
Annual Revenue: $ 2.4 m
Rate of Return: 171 %
Today’s Cash
Velocity
0.9x
Target Cash
Velocity
1.3x
Target
$ 1.8 m
$ 3.7 m
262 %

13. GROWTH DRIVER:
#4: INDIA ECOMMERCE PAYMENT MARKET
 COD Pain Point
 Expensive: up to 10%
 Limits Market Size: 60% of India
Addresses Cannot Use COD
 Timing of Cash: up to 3 days
 MoM: Cash to Gift Voucher
 Less Expensive
 Covers Entire Market
 Cash Before Consumer Buys Online
Thursday, 31 March 2016 13
Chart Source: Accel Partners 2014
eCommerce
Transactions
$ 1.20 bn
$ 4.25 bn
$ 2.00 bn
$ 8.50 bn
2013 2016P
Cash-on-Delivery Other
…$ 170 Million Revenue Opportunity in 2016 (and Growing)
Addressable
Market

14. The Next Global Growth Engine…
INDIA OVERVIEW
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1.3 Billion People
Per Capita GDP :$ 300 income/month
Economy growing: 6+% per year
eCommerce Taking Off

15. INDIA IS CASH INTENSIVE
Thursday, 31 March 2016 15
…which explains way the Reserve Bankof India is trying to digitizepayments.
Source: McKinsey; BIS, Friedrich Schneider papers
47
53
95
98
100
0 25 50 75 100
United States
United Kingdom
Russia
China
India
Cash Transactions
Total 2011 Transaction Volume
Percentage
7
11
42
14
26
0 20 40 60
United States
United Kingdom
Russia
China
India
Estimated Shadow Economy
Estimated Percentage of GDP
Percentage

16. CHALLENGES & OPPORTUNITIES IN INDIA
All Cash Economy
Lack of Bank Accounts
(only 200M of 1.3B people)
No Payment Mechanisms
(credit, debit or check)
Weak Transportation
(daily errands take time)
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ADDRESSABLE MARKET IS:
900+ Million Mobile Phones
1.1+ Billion SIM Cards
90.5 phones per 100 people

17. Long queues at a Delhi bill payment centerLong queues at a Chandigarh bill payment center
ADDRESSING A REAL CONSUMER PAIN POINT
Converting this experience… …into this experience
A typical MoM store
Thursday, 31 March 2016 17

18. COMPARE TO M-PESA IN KENYA
India is 30x Kenya in Size Makes India $8 Billion Market
M-PESA:
 Started April 2007
 Small business payments majority of volume
 Ubiquitous presence in Kenya
M-Pesa Metrics KENYA
30 Day Active Users 11.6 Million
Transaction Volume $ 13 Billion
Operating Revenue $ 287 million/year
Source: MPESA 2014 mid year report
Thursday, 31 March 2016 18
60 Minutes Report

19. COMPARE TO NASDAQ: QIWI
QIWI is a Russian mobile payments company
Source: QIWI form 20-F December 2014
QIWI
Population of Russia 143.5 million
Annual Processed Volume
(USD)
$ 12 billion
2014 Gross Revenues $ 245 million
Net Income Annual Growth
Rate%
59%
US Market Cap ~$ 1.4 billion
Thursday, 31 March 2016 19
$13.4
$26.4
$55.9
$82.8
$-
$25
$50
$75
$100
Millions
Net Income

20. INVESTMENT OPPORTUNITY
Thursday, 31 March 2016 20
 Explosive Growth
 Volume Growth +220% YOY
 Revenue Growth 43% YOY
 Good Financials
 41% Gross Margin
 Proven Customer Demand
 Serviced over 170 million customers
 300,000+ Points of Presence
 Huge Market
 Estimated $ 8 Billion Revenue
Potential
 Leader in the Space

21. The Payment Network of India
TICKER- OTC: CLPI
Thursday, 31 March 2016 21