WIXLIB

Easypaisa Mobile AccountProduct PresentationOmar Moeen Malik

Our Promise: October 15th 2009

February 25th 2010

IntroductionlWhat is an easypaisa Mobile Account?llAfter the successful launch of Over-The-Counter services like Bill Payand Money Transfer, easypaisa is introducing Mobile Accounts whereTelenor subscribers will be able to use Bill Pay, Money Transfer anda whole host of new services from their own mobile phonesllEasypaisa Mobile Accounts are virtual Bank Accounts opened forTelenor subscribers to access from their mobile phones at any timellUsers only have to go to a Merchant to ‘Deposit Cash’ or ‘WithdrawCash’ from their easypaisa Mobile Account. All other services can beaccessed on the user’s mobile phone at any timellThis service is available for only Telenor subscribersllRegistration is only available only at Telenor SSCs, Telenor Franchisesand Tameer Bank Branches for now

Why Mobile Accounts?

Why Mobile Accounts?lWhat is an easypaisa Mobile Account?llAfter the successful launch of Over-The-Counter services like Bill Payand Money Transfer, easypaisa is introducing Mobile Accounts whereTelenor subscribers will be able to use Bill Pay, Money Transfer anda whole host of new services from their own mobile phonesllEasypaisa Mobile Accounts are virtual Bank Accounts opened forTelenor subscribers to access from their mobile phones at any timellUsers only have to go to a Merchant to ‘Deposit Cash’ or ‘WithdrawCash’ from their easypaisa Mobile Account. All other services can beaccessed on the user’s mobile phone at any timellThis service is available for only Telenor subscribersllRegistration is only available only at Telenor SSCs, Telenor Franchisesand Tameer Bank Branches for now

Target MarketlAny person with a Telenor SIM who wants to have instant accessto a Bank Account from his mobile phonellAny person with a Telenor SIM who wants to have the freedom tosend/receive money to other people or pay utility bills fromhis mobile phone at any timellAny person with a Telenor SIM who wants to be part of thelargest Bank with thousands of branches in Pakistan and thefacility to withdraw cash or deposit cash from these branches(Merchants) at any time

Existing Mobile Banking Serviceseasypaisa Mobile AccountsFor:Limited to Customers of Particular Banks onlyAny Telenor Subscriber. No existing Bank AccountnecessaryServices Offered:- Prepaid Cards for all Mobile Operators Fund Transfers to the same Bank customers only Utility Bill Payments Credit Card Payments Mini Stmt / Balance Enquiry- UBP- Money Transfer to any person with a CNIC Money Transfer to other easypaisa mobile account Mini Stmt / Balance Enquiry- E-load purchase / Persona Bill Payments *- Fund Transfers to any Bank in Pakistan *- ATM Cards *- Other Payments *Handsets:GPRS Mobile Phones onlyAll Mobile PhonesBank Branches:Limited to Branches in a few cities (largest bank has1100 branches in 100 cities)5500 easypaisa shops in 500 citiesGSM Charges:SMS and GPRS Charges applyNo GSM Charges applySecurity:SMS is a Highly insecure channel. GPRS is a securechannel but very expensive for the customersUSSD is a highly secure channelCompetition?* Coming soon

easypaisa Mobile Accounts USPslAny Telenor subscriber can open an accountllllInstant Access to your Mobile Banking Account at anyplace, any where, any time!Pay Utility Bills, Other Payments, Send Money to othereasypaisa Accounts or to any person with a validCNICCash Deposit into account or Cash Withdrawal from anyaccount can be done at over 5500 Merchants across 500citieslllllNot limited to any particular Bank Account HoldersNo Waiting in Queues / No Travel TimeOpen on Holidays / Late Working HoursSecure Encrypted Transactions based on GSM standardsOfficial Approval by the State Bank of Pakistan24/7 online customer support

5000 easypaisa Merchants

easypaisa Account – Product Details1. A Customer has to come to an Telenor Franchise/SSC orTameer Branch to open an easypaisa Mobile Account2. Account Opening Request takes 10 minutes to enter intothe system3. Subscriber will be called back in 3 hours after NadraCNIC verification. Account will be activated andSubscriber will be asked to select a PIN1.lTransactional Limits Rs.10,000/day, Rs.20,000/month,Rs.1,20,000/yearllMaximum Balance of Rs. 60,000 in the account at any timell1.These limits do not apply on Transfer InSBP requirements dictate the account limits that need tobe in place. For higher limits, the Customer needs toopen a bank account with Tameer Bank first.1.Account Opening Fee Rs. 50 tax (non-refundable)

easypaisa Account Number and PINlFor transactional security purposes and to minimizeerrors, the system will generate an easypaisaMobile Account number at the time of ustomer’s existing1lTelenor Mobile PhoneNumberll8System GeneratedCheck-Digit between 0-9After account creation, the customer would be askedto create a secret 5 digit numeric PIN code forhis easypaisa Mobile Account. Similar to an ATM PINcode, this secret PIN code will be used toauthorize all transactions from the easypaisaMobile Account.

Current easypaisa Account ServiceslCash Deposit:lllCash Withdrawal:lllSubscribers can visit any of the 5500 easypaisa shops towithdraw cash from his easypaisa Mobile Account. Accounttransactional limits apply.Fee FED is deducted from subscriber account, merchant neednot to collect fee from customerUtility Bill Payment:llSubscribers can visit any of the 5500 easypaisa shops todeposit cash into his easypaisa Mobile Account. Accounttransactional limits apply.Fee FED is deducted from subscriber account, merchant neednot to collect fee from customerSubscribers can pay any partner Utility Bill from hiseasypaisa Mobile Account using his phone at any where, atany time. Account transactional limits apply.Funds Transfer:llSubscribers can move funds from his easypaisa Mobile Accountto any other easypaisa Mobile Account, or any person with avalid CNIC number, using his phone at any where, at anytime. Account transactional limits apply.

More easypaisa Account ServiceslAccount Balance:llMini Statement:llSubscribers can setup or change his secret 5 digit PIN to hiseasypaisa Mobile AccountFavorites:llSubscriber can look up the last 5 transactions from hiseasypaisa Mobile AccountPIN Management:llSubscribers can look up the Account Balance of his easypaisaMobile AccountSubscribers can setup favorite Utility Bills, or favoriteEasypaisa Mobile Accounts to avoid having to enter them againand again.Transfer In / Out:llSubscribers can log transfer funds from their Tameer Bankaccount directly into their easypaisa Mobile Account or viceversa, from their easypaisa Mobile Account to their TameerBank account at any timeAccount transaction limits do not apply for TransferIn

easypaisa Secure Online Web LoginllSubscribers can log into the secure, online web portal through theInternet to perform all easypaisa Mobile Account transactionsfrom the al Services on the online web portal:llComplete Account Statement and History of all TransactionsSchedule recurring paymentslll Web login idle time out for subscriber is 30 minutes

easypaisa Mobile Accounts Any Person! Any Place! Any Time!

easypaisa Mobile AccountSupporting SlidesScreen Shots for different Transactions

Money Transfer to a Receiver's CNIC*786#1.Pay Utility Bill2.Send Money3.Favorites4.My Account5.Bank Transfers1.To easypaisa no2.3.To Other Users

Money Transfer to a Receiver's CNICReceiver MobileNumber03458501830

Money Transfer to a Receiver's CNICReceiver CNIC4210117984345

Money Transfer to a Receiver's CNICAmount500

Money Transfer to a Receiver's CNICEnter TrxPasscode83702

Money Transfer to a Receiver's CNICNow sending Rs.500 to CNIC4210117984345.Enter PIN toconfirm.12312

Money Transfer to a Receiver's CNICSender receivesa SMS from 3737Receiver receivesa SMS from 3737Trx ID 371892. You havesent Rs. 500 to CNIC4210117984345.The feefor this transaction is Rs.20. Your new easypaisaaccount balance is Rs.1,567.0003458554311 has sent youRs. 500. You canwithdraw/collect thiscash from any easypaisaauthorized retailer bygiving your CNIC, Trx IDand transaction passcode.

Funds Transfer to anothereasypaisa Account*786#1.Pay Utility Bill2.Send Money3.Favorites4.My Account5.Bank Transfers1.To easypaisa no2.3.To Other Users

Funds Transfer to anothereasypaisa AccountEntereasypaisa no034585018301

Funds Transfer to anothereasypaisa AccountEnter Amount500

Funds Transfer to anothereasypaisa AccountNow paying Rs.500 to034585018301.Enter PIN toconfirm12312

Funds Transfer to anothereasypaisa AccountSender receivesa SMS from 3737Receiver receivesa SMS from 3737Trx ID 254345. You havesent Rs 500 to03458501830. The fee forthis transaction is Rs. 10.New easypaisa accountbalance is Rs. 1,567.50Trx ID 254345. You haveReceived Rs 500 from03458554311 and yournew easypaisa accountbalance is Rs. 9,000.00

Cash Deposit*787#1. Pay Utility Bill2.Pay easypaisa no3. Money Transfer4. Cash Service5. Payment Request6. Favorites7. My Account8. Bank Transfer1.1.Deposit2.3.Withdrawal

Cash DepositEntereasypaisa no034585018301

Cash DepositEnter Amount1000

Cash DepositEnter User ID1212

Cash DepositNow depositingRs. 1000 to034585018301.To ConfirmEnter PIN89654

Cash DepositSubscriber receives5-digit OTP in an SMS from373778749Please enter 78749 onetime password onmerchant’s cell

Cash DepositRetailer receivesa SMS from 3737Customer receivesa SMS from 3737Trx ID 4561345. You havesuccessfully depositedRs. 1000 to easypaisaaccount no.034585018301. Your neweasypaisa accountbalance is Rs. 56,000Trx ID 4561345. You havesuccessfully deposited Rs.1000 and your neweasypaisa balance is6,800. The fee for thistransaction is Rs. 10.

Cash Withdrawal*787#1. Pay Utility Bill2.Pay easypaisa no3. Money Transfer1.Deposit4. Cash Service3.Withdrawal5. Payment Request6. Favorites7. My Account8. Bank Transfer1.2.

Cash WithdrawalEntereasypaisa no034585018301

Cash WithdrawalEnter Amount1000

Cash WithdrawalNow withdrawingRs 1000 from034585018301.To confirm EnterUser Id1212

Cash WithdrawalEnter Pin21435

Cash WithdrawalRetailer ABC wouldlike to withdraw1000 from youraccount1. Accept2. Reject1

Cash WithdrawalEnter Pin12345

Cash WithdrawalRetailer receivesa SMS from 3737Customer receivesa SMS from 3737Trx ID 123456. You havesuccessfully withdrawnRs. 1000 from easypaisano. 034585018301. Yournew easypaisa accountbalance is Rs. 33,500Trx ID 123456. You havesuccessfully withdrawnRs. 1000 and your neweasypaisa accountbalance is 1,000. The feefor this transaction is Rs.20.

Utility Bills Payment*786#1.Pay Utility Bill2.Send Money3.Favorites4.My Account5.Bank Transfers1.Electricity2.3.Telephone4.5.Gas6.

Utility Bills Payment1.GEPCO2.HESCO3.KESC4.LESCO5.MEPCO6.Enter Consumer ID4358092348098

Utility Bills PaymentDear Customer!Amount payable for4358092348098 isRs. 1500 due by 2012-09. To confirmEnter Pin12345

Utility Bills PaymentSubscriber receivesa SMS from 3737Trx ID 343850. Rs 1500paid by 4358092348098to GEPCO at 11:45:15 on15-12-2009. Fee chargedis Rs. 17.4. Neweasypaisa balance is Rs.5,455

Balance Inquiry*786#1.Pay Utility Bill2.Send Money3.Favorites4.My Account5.Bank Transfers1.Balance Inquiry2.Mini Statement3.Send A/C Info4.Manage Pin5.Web Login

Balance InquiryEnter Pin43435Current Balance 1500Available Balance 1500

Mini Statement*786#1.Pay Utility Bill2.Send Money3.Favorites4.My Account5.Bank Transfers1.Balance Inquiry2.Mini Statement3.Send A/C Info4.Manage Pin5.Web Login

Mini StatementEnter Pin4343517Dec MTS –Rs 12015Dec TOU –Rs 15013Dec MTS –Rs 50011Dec CWD –Rs 10005Dec CDP Rs 250Excl. of Fee and Taxes

Change Pin*786#1.Pay Utility Bill2.Send Money3.Favorites4.My Account5.Bank Transfers

Change Pin1.Balance Inquiry2.Mini Statement3.Send A/C Info4.Manage Pin5.Web Login1.Change Pin2.3.Create Pin

Change PINEnter OLD Pin12345

Change PinEnter New Pin43435

Change PinConfirm NewPin43435You haveSuccessfullychanged yourPin

Create Pin*786#1.Pay Utility Bill2.Send Money3.Favorites4.My Account5.Bank Transfers