MoneyOnMobile is a mobile payment network operating primarily in India. It has over 310,000 retail stores enabled on its network and has processed $754 million in volume over the past twelve months. It sees significant growth opportunities in India given the country's large unbanked population and reliance on cash transactions. The presentation provides an overview of MoneyOnMobile's business model, growth strategies, competition, management team, and historical financial and operational metrics.

1. Presentation for
OTC: CLPI
Monday, 17th October, 2016
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2. REQUIRED STATEMENT ABOUT FORECASTS
MoneyOnMobile’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.
◦ MoneyOnMobile Forecasts are the representation of MoneyOnMobile 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.
Monday, 17th October, 2016
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3. MOBILE PAYMENT NETWORK
Cash
Digital
Money
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4. INDIA
Population: 1.3 billion people1
(4x the United States1)
Unbanked: 607 million people2
(Only 15% of adults report using
an account for payments5)
Credit Cards: 20 million (0.02 per adult)3
(vs 2.5 the United Kingdom6)
Cash: 98%+ Of Transactions4
(47% in the US are Cash/Check)
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Sources:
1: Word Banks
2: Word Banks’ Global Financial Inclusion Database
2: Reserve Bank of India
4: McKinsey; BIS, Friedrich Schneider papers
5: Indian Ministry of Finance’s website for the Pradhan Mantri Jan Dhan Yojana scheme
6: : RBI, World Bank, Index Mundi , EU
HTTP://INVESTORS.MONEY-ON-MOBILE.COM

5. LARGEST IN INDIA
#1 IN INDIA
#2 WORLDWIDE
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Based on findings from
GSMA 2015 Global
Adoption Survey and
data from GSMA Mobile
Money Intelligence

6. CURRENT METHOD OF PAYING BILLS
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7. MoneyOnMobile AGENT
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8. FINANCIAL TRANSACTIONS SUPPORTED
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Domestic Remittance
(P2P)
Television
Travel Tickets Metro Card Recharge
eCommerce Utility Payments
Mobile AirtimeCash Collection
Insurance* Cash Out*
* In Trials
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9. MAKING DUMB PHONES SMART
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10. MOBILE PAYMENT NETWORK
Digital
Money
310,676
Retail Stores Enabled On
MoneyOnMobile
Payment Network
Earns Revenue from
MoneyOnMobile for
Assisting Consumers with
Financial Transactions
173 Million
Mobile Phone
Users Served to
Date
Saves
Consumers
Time and
Money
Cash
$754 Million
USD
Processed Volume Over
the Trailing Twelve
Months
Data through March 31,
2016
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11. THE SERVICE IN ACTION
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Agent Performing Transaction
SMS Based Transaction
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12. TRANSACTION FLOW
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Instructions
Cash
Instruction
s
Confirmation
SMS Message as Receipt
Consumer Agent
Confirmation
Service Provider
HTTP://INVESTORS.MONEY-ON-MOBILE.COM

13. Over 300,000 Agents
in over 600 Cities
REVENUE FLOW
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Agent
Service Provider
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14. $8 BILLION ANNUAL MARKET
Segment Volume Projections Revenue Potential
Domestic Remittance $30 bn $0.10 bn
Bill Payment $115 bn $0.01 bn
Prepaid Mobile $38 bn $0.38 bn
eCommerce (2020 est) $300 bn $6.00 bn
Digital Television $ 5 bn $0.05 bn
Travel $ 6 bn $0.06 bn
B2B (estimate of MoM addressable) $300 bn $1.80 bn
Total $794 bn $8.41 bn
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Sources: RBI, CGAP, Gates Foundation, GSMA, PWC, Media Partners Asia, McKinsey

15. 851m
200m
COMPETITION
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Unbanked
Banked
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16. Vendor Users
(million)
Monthly PV
(million)
Store Count Primary Focus Comments
170 $93.94 c. 315,000 Unbanked
Unbanked Consumer Focus
At Scale
120 $113.64 c. 80,000 Banked
Banked Consumer Focused30 $9.09 c. 100,000 Banked
20 $68.18 c. 150,000 Banked
14 $1.40 c. 25,000 Unbanked
Subscale8 $56.00 c. 60,000 Unbanked
n.a. n.a. C 60,000 Unbanked
LOCAL MARKET PEER COMPARISON
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Sources: Companies’ Data, Financial Express
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17. MANAGEMENT TEAM
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Jim McKelvey
Director (USA)
Co-founder of Square, one of the
fastest growing technology companies
in the US
Harold Montgomery
CEO (USA)
Stanford University MBA, 1985
Started in payments in 1987
Strategic Relationships (India)
12 years of experience in payment
space with Easy Bill, & FinoPaytech
Vimal Dhar
Will Dawson
EVP Mobile Money (USA)
COO, MasterCard Mobile Money JV
Launched Mobile Money in Egypt &
Turkey
Scott Arey
CFO (USA)
Stanford University BA, 1984
10 years Bank of America Group CFO
Jolly Mathur
Founder and Director (India)
25 years of experience building
businesses including Value Added
Services in the Telecom Sector
Founder and President (India)
Alumni of IIM Lucknow with over 20
years of experience out of which 7
years in payment space
Ranjeet Oak
Shailesh Narang
CFO (India)
Qualified Chartered Accountant since
Nov 1984 with 37th Rank in All India
CA Exams
Rajat Sharma
Founder and Director (India)
18 years of experience in the fields of
Telecom and IT. Launched Motorola’s
wireless products in India
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18. JIM MCKELVEY: BOARD DIRECTOR
Successful
Entrepreneur
Square at a glance
Square Inc. offers digital payment services to
generally unbanked merchants and has been
a disruptive force in the acquiring space
IPO’ed in November 2015
Current market capitalization: USD 3.6 billion
2015 Revenue: $1.3 billion
Bringing His Experience of Creating a $3+ Billion Payments Company
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19. FINANCIAL EMPOWERMENT
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Kalighat Society Adds 75,000 Female Agents to Our Network
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20. Additional Merchant ServicesBuilding Agent Network Growing Wallet Spend
EVOLUTION OF MoneyOnMobile
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Narrow
Broad
Mobile Airtime
ExpandingAddressableMarket
Television
Utility Payments
Simple Products
Domestic Remittance (P2P)
Travel Tickets
eCommerce
Insurance*
More Complex Products
2011-2014 2015-2017 2017+
UPI for Face-to-Face
Working Capital Loans
Government Benefits
Digital Locker
Cash Collection
HTTP://INVESTORS.MONEY-ON-MOBILE.COM
SMS Based Transactions 65% SMS & 35% Smartphone Primarily Smartphone

21. PROCESSING VOLUME TREND
QUARTERLY PROCESSING VOLUMES
 108% Growth in Q1 `17
Processing Volume over
Q1 `16
 Team Focused on Margin
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Currency conversion for Processing Volume done a constant exchange rate of 66 Indian Rupees to the US Dollar.
$43$52$56$67
$108
$154
$216
$276
$224
$-
$100
$200
$300
2015Q1
2015Q2
2015Q3
2015Q4
2016Q1
2016Q2
2016Q3
2016Q4
2017Q1
Millions

22. REVENUE TREND
QUARTERLY REVENUES IN US$
 11% Growth in Q1 `17
Revenue over Q1 `16
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$0.9
$1.5$1.7$1.7
$1.3$1.4$1.6
$2.0
$1.4
$0.0
$0.5
$1.0
$1.5
$2.0
$2.5
Millions

23. MARGIN TREND
QUARTERLY GROSS MARGIN IN US$
 50% Growth in Q1`17
Revenue over Q1 `16
 Q1 `17 Gross Margin was
53% up 11.7 ppts over
Q1 `16
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* Q1 2017 Numbers are Unaudited
46%
38%
35%
41% 41%
47%
55%
41%
53%
0%
20%
40%
60%
2015
Q1
2015
Q2
2015
Q3
2015
Q4
2016
Q1
2016
Q2
2016
Q3
2016
Q4
2017
Q1

24. Harold Montgomery
Harold.Montgomery@money-on-mobile.com +1 214 837 2765
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