Ultimate Mobile Solutions provides 3 key services: 1. A mobile platform for loan verification that allows MFIs to quickly grant credit and ensure customer information is accurate. 2. A mobile banking solution that interconnects various actors like MFIs, retailers, and customers securely. 3. A mobile point-of-sale solution for processing debit and credit card transactions on mobile phones.

1. Ultimate Mobile Solutions Brief of Products

2. Procesos de Otorgamiento de Credito. Agenda 1 2 3 4 5 6 7 Mobile Platform for Loan Verification Process MFI ’ s Who we are ? Copy Rights Ultimate Mobile Solutions UMS Hydra Interface Management Channel Pos Movil ( payments cards) Mobile Banking Customers Mobile Banking Agents Thanks ✓

5. Procesos de Otorgamiento de Credito. Agenda 1 2 3 4 5 6 7 Mobile Platform for Loan Verification Process MFI ’ s Who we are ? Copy Rights Ultimate Mobile Solutions UMS Hydra Interface Management Channel Pos Movil ( payments cards) Mobile Banking Customers Mobile Banking Agents Thanks ✓

6. Copy Rights Ultimate Mobile Solutions The Micro Finance are challenged to deliver credit as quickly as possible and ensure that the customer can be located for collection purposes Our platform enables MFI ’ s the tools to grant credit to their customers quickly and ensuring that all the information provided by the customer is correct. Mobile Architecture Mobile Platform Customer Verification MFI´s MFI Employee That verifies the address of the customers, working activity, etc. Satellite Mobile Platform Ultimate Mobile Solutions Encrypted Communications MFI ’ s Core Banking System Web Operators at MFI And System Administrator Carrier Customer

7. Web Platform Screen Shots Copy Rights Ultimate Mobile Solutions Mobile and Web Users Administration by Roles Status of all Operation at glance Performance Dashboards of all operations. Customers Data Geo Localization

8. Screen Shots Mobile Platform Secure Login. MFI employees have to be registered in the Mobile Platform. Login and Password Syncronization. MFI employees receives the credit applications that needs to verify depending of the zone that they were assigned. Geo Localization. MFI employees receives the locations of the customer to verify Check List Process. MFI employees develop their taks one by one. All information needs to be completed before syncronization. Validations Platform will validate all the input depending the business rules of the MFI for each field.

9. Key Features Inteconnection with Core Banking Systems. Several Methods to obtain the information from the Core Banking Systems at MFI ’ s ( XML, WS, Data Base connection, Socket, https, etc.) Secure Connections. Encrypted Comunication between Ultimate Mobile Servers and MFI ’ s. Customization Each MFI ’ s can define their different status for their credit application process. User Managment. Manages access for the distinct users WEB and Mobile and the operations they can make in the Application. Monitoring Provides several reports and dashboards to review the all operations in real time Field Agents Monitoring The application can sent where the fields agents of the MFI are at any moment Mobile Platform Android Platform GUI interface developed for low technical users. On line – Off Line The mobile clients work in on line and off line mode, the application will synchronize to the Mobile Platform as soon the mobile has connectivity.

10. Procesos de Otorgamiento de Credito. Agenda 1 2 3 4 5 6 7 Mobile Platform for Loan Verification Process MFI ’ s Who we are ? Copy Rights Ultimate Mobile Solutions UMS Hydra Interface Management Channel Pos Movil ( payments cards) Mobile Banking Customers Mobile Banking Agents Thanks ✓

11. Copy Rights Ultimate Mobile Solutions One of the big challenges when you want to make a Mobile Banking systems is how to inter-connect all distinct actors to the Transactional Switch. Each have a distinct type of systems and they don ’ t have the skills to interconnect using ISO 8583 standards. Also is very expensive to develop nodes in a robust platform like Postilion to interconnect to all this actors. UMS Hydra Channel Interface Manager Retail Chain Gas Stations Small Business Micro Finance Institutions Core Banking Systems Or Card Authorization Network. UMS HYDRA Networks Standard

12. Procesos de Otorgamiento de Credito. Agenda 1 2 3 4 5 6 7 Mobile Platform for Loan Verification Process MFI ’ s Who we are ? Copy Rights Ultimate Mobile Solutions UMS Hydra Interface Management Channel Pos Movil ( payments cards) Mobile Banking Customers Mobile Banking Agents Thanks ✓

14. Procesos de Otorgamiento de Credito. Agenda 1 2 3 4 5 6 7 Mobile Platform for Loan Verification Process MFI ’ s Who we are ? Copy Rights Ultimate Mobile Solutions UMS Hydra Interface Management Channel Pos Movil ( payments cards) Mobile Banking Customers Mobile Banking Agents Thanks ✓

15. Copy Rights Ultimate Mobile Solutions Mobile Banking Mobile Banking for Customers Secure Mobile Client: This is the main component that is installed on each mobile device of the customers and merchants to perform transactions in a secure way using several authentications factors. There are three options available depending on the interpolation with the carriers the best option will be selected to achieve the most numbers of mobile devices. Secure SMS: This is a Java Software that needs to be installed into devices and provides a GUI interface for the user to perform all their transactions, the method used to send those transactions to the Mobile Application Platform is trough encrypted SMS.

17. Copy Rights Ultimate Mobile Solutions Mobile Banking Mobile Architecture

18. Procesos de Otorgamiento de Credito. Agenda 1 2 3 4 5 6 7 Mobile Platform for Loan Verification Process MFI ’ s Who we are ? Copy Rights Ultimate Mobile Solutions UMS Hydra Interface Management Channel Pos Movil ( payments cards) Mobile Banking Customers Mobile Banking Agents Thanks ✓

20. THANK YOU!