Unique electronic service connecting the capabilities of home accounting and payment system, to maintain and pay regular bills households.

1. iZKH.ru:
Communication financial service

2. What is iZKH.ru
Home maintenance service, which includes:
•Interactive services
•Utility payments
•Ranked list of housing and communal services staff
•Guide of housing and communal services organizations
•Services suppliers’ cabinet
•“Mobile” neighbourhood police inspector
Annex №1
Service payment
Meter readings transfer
Homeowners Association notifications
Guide of housing and
communal services staff

3. Advantages of the service:
-Specialization in housing and communal services for data exchange with services suppliers
(Client – Homeowners Association – Client)
-Checking the amount due with the help of contract number or personal account
-Payment online without registration
-Notifications about newly issued invoices
-Meter readings transfer to the supplier of services
-Payment with any credit card or e-money
-Monthly payments analytics
-Additional information “all in one” (utility payments, utility services payments, interactive
home-oriented services
-Modern and comfortable interface
-Photo archive of meter readings
-iZKH mobile application is a user’s meter readings collection instrument
-айжкх.рф and izkh.ru are unique upper level domain names registered by “Regional Net
Information Center” CJSC

4. Our accomplishments for 8 months of work:
13002 serviced
homes
2380 users
1 882 260
potential
personal
accounts
163
contracts
with
services
suppliers
1680
mobile
application
downloads
1769
transactions
0
50
100
150
200
250
300
January 2014 February 2014 March 2014 April 2014 up to 13 May
2014
109
118
130
156 159
282
212
222
201
90
179
117
136 132
56
Number of suppliers
Number of transactions
Transactions sum
Number of users of the service
January 2014 1339
February 2014 1823
March 2014 2126
April 2014 год 2291
up to 13 May 2014 2352

5. Rivals
Individual
calculation of
utility payments
Working only
in Togliatti
Payment with
any credit card
Few
homeowners
associations and
management
companies as
suppliers
Huge number
of suppliers
and a
comfortable
interface
Payment only
with Sberbank
credit cards
Comfortable
and clear
interface and
a mobile
application
Only major
suppliers of
services
Payments via
self-service
payment
terminals
Few homeowners
associations and
management
companies as
suppliers
Comfortable
payment
interface and a
mobile
application
Payment only
with Alfa-Bank
credit cards

6. Revenue structure and business model of iZKH
*Freelacers – professionals who
offer such services in housing and
communal sphere as home
rennovation, household appliances
repair, and pay for their iZKH online
profile

7. Capital needs:
• 25 000 000 roubles for 50%
• Monthly additional funding in the amount of the share
• MPV - 5
• IT service enhancement
• Technical upgrade
• Promotion in Povolzhsky Federal District (as well as in Moscow,
Saint-Petersburg, Astrakhan and Volgograd)

8. Target market size and business scaling
Number of household in Russia - ~ 53 млн
Number of internet users ~65%
Middle and higher segment of middle class ~10%
Average monthly cheque ~ 10 000 roubles
iZKH user coverage – up to 5%
53 mln х 65% х 10% х 10 000 roubles Х 5% =
1,7 billion roubles monthly – forecast of the size of the target market of internet-payments for utility and
other regular services via iZKH by the end of 2017
As for project development involving representatives in Povolzhsky Federal District (PFD), plans are to expand the
number of services suppliers up to 1500-1600 by the end of 2014 (1 representative office will add 15-20
companies * 14 regions of PFD * 6 months till the end of the year), which will let us boost the returns and
revenues of the company.
With the help of advertising and promotion plans are to expand the number of users up to 100 000 a month (at
the moment with no advertising and promotion 230 users are registered monthly * 14 regions of PFD * 6 months =
19320; with the help of advertising; information on the back of receipts this number will grow at least 5 times; the
price of receipts will be 650 000 roubles a month per PFD region), which will finally lead to growth of number of
transactions.

9. Company development and advantages for Clients:
Company development:
• Extension of the number of transaction. Assumed size in Samara (provided 5% market penetration and
5000 roubles average cheque) will be 250 mln roubles a month. Thus, share of revenue in Samara only
will be 2,5 mln roubles a month. Projected circulation in Povolzhsky Federal District with the same
market penetration and average cheque will be 7,5 billion roubles a month and the company’s share will
be 75 mln roubles.
• Attraction of new clients – entities (homeowners associations and managing companies) which will lead
to the growth of numbers of users and transactions flow.
• Cross-promotion: in the personal cabinet on izkh.ru there is a possibility of placement of ads of banks,
interner providers etc. at extra cost.
Advantages for Clients:
• Instant payment for utility, internet, house intercom, security in one place with provision of sum due
online at convenience of the client.
• Receiving additional bonuses from company’s Partners.
• Receiving additional information (neighbourhood police inspectors database, ratings of recovery-
engineering companies etc.)

10. Action-plan of the project:
• Project Scaling in Povolzhsky Federal District (delivery time: October-November 2015 involving 70-80% of services
suppliers in the housing and communal sphere)
One of the priorities is the promotion of the project in the regions of Povolzhsky Feredal District with population of 30
mln people. Starting July 2014 planning to establish representatives offices in 14 regions of PFD and to continue setting
up contracts with new homeowners associations (HA) and managing companies (MC). Target numbers by the end of 2014
including PFD regions are: 1500 contracts with HAs and MCs, 100 000 users of the service and 500 mln monthly
circulation.
• Development of payment terminals network in PFD (delivery time: May 2015 involving 100% of PFD payment terminals
network)
iZKH company has positive experience of working with payment terminal networks. In April 2014 “Kit” network was
connected with, and iZKH was added to the suppliers of services. In June 2014 suppliers of services will be included into
“One.Touch” system. Negotiations with the major payment terminals networks of PFD are being held. Target numbers by
the end of 2014 are 1mln roubles of monthly circulation via each network.
• Supplier storefronts (delivery time: August 2014)
Huge interest to iZKH’s pool of suppliers is shown by supplier storefronts Yandex.Money, Money@Mail.ru, Greenpay.ru,
Webmoney who are going to have an access to the suppliers’ database for integration. Clients will be able to pay for the
provided services with Yandex, Mail.ru Group etc. products, which will lead to rise in company’s users and circulation.
Monthly target number by the end of 2014 is 3 mln roubles via each service.
• Electronic Housing and Communal Services in PFD (delivery time: December 2014)
Within the execution of the Decree of the Government of the Russian Federation №1468 all the homeowners association
and managing companies are obliged to open all the information about their activity on specialized internet resources
and assure it with an electronic digital signature. iZKH is offering services of getting an electronic digital signature, data
input and maintenance. Target numer by the end of 2014 is 700 homeowners associations and managing companies.

11. Target Audience
11
Target audience of “iZKH” includes owners of real properly and principal tenants who
pay their utility bills monthly and are active smartphone and internet users.
User portrait
Demographic profile: men and women aged 22-45 (core audience) with middle/high
income, citizens of large cities and business centers with population 500 000+ people.
People who do not have enough time for paying for services they get in a bank or at
post office.
Skills: competent computer or smartphone user who pays for goods and services with a
credit ard or e-money on the Internet every month.

12. Thank you for attention!
• http://izkh.ru
• vasyliev@izkh.ru
• +79272667775
• Andrey Vasilyev