Introducing Clarion\'s MMT Conference and Expo - practical advice from the pioneers of mobile money

1. The world’s leading independent event for Mobile Money Transfer project leaders • Hands dirty: actionable advice from practitioners with real life experience • Inspirational: keynote addresses from pioneering CEOs • Ecosystem: network with all the key stakeholders – MNOs, banks, 3POs, MFIs, MTNs, regulators, governments and technology developers • Knowledge: the ‘Mobile Money Academy’, a comprehensive course of interactive workshops, addressing how to overcome key MMT project management challenges • Independent: your hosts, Clarion Events, don’t represent MNOs, banks or any other stakeholder. We have no software or consultancy services to sell

2. Our 2009 MMT Schedule MMT Africa: 5-6 May, Johannesburg MMT09 Global Summit: 26-27 October, Dubai MMT Southern Asia: 2-3 December, Grand Hyatt Mumbai Plus an MMT breakout @ Prepaid09, 16-17 June Under development for launch in 2010 MMT Latin America Plus an MMT Investment Forum (for entrepreneurs and VC)

3. The $5bn MMT opportunity • The World Bank estimates that formal remittances totalled $375bn in 2008, of which $283bn went to developing countries. Reducing remittance charges by 2-5% could increase the flow of formal remittances by 50-70%, encouraging the delivery of lower value remittances • The domestic remittance opportunity is even bigger: according to a 2007 survey by FinAccess, in the last 12 months 33.4% of Kenyans had sent or received a domestic money transfer compared to just 3.5% who had sent or received an international remittance • It costs around $400 to equip a mobile money agent. It costs around $250,000 to set up a branch, $10,000 to set up an ATM – mobile money will be the key to bringing financial services to rural areas • Safaricom’s M-PESA recently signed up their 5 millionth customer… in under 2 years of operation • 70% of mobile payment initiatives announced in the last 6 months have been in MMT, according to Juniper Research • Juniper also forecast that revenues derived from domestic and international MMT services will exceed $5bn globally by 2013

4. Our next event: MMT Africa Emperor’s Palace, May 5 & 6, Johannesburg 5 million M-PESA customers. Over 13 million subscribers in Kenya. 84% market share in FY2008… Safaricom have set the benchmark for maximising customer retention through Mobile Money Transfer (MMT) Services. MMT has become a strategic necessity in the battle for market share as mobile phone penetration in Africa soars from less than 5% in 2003 to over 50% by 2012. New mobile money services are being launched in Africa on a seemingly daily basis, and many will be speaking at MMT Africa. Attend MMT Africa to meet the MMT pioneers and hear market-tested project management techniques to ensure your MMT service is a success. MMT Africa is not just for Africans! We have capacity for 300 delegates and expect a global audience, not just the MMT service developers from across the African continent, but international investors, partners and those simply coming to learn from Africa’s mobile money pioneers. www.mobile-money-transfer.com/africa

5. Our next event: MMT Africa Emperor’s Palace, 5 & 6 May, Johannesburg Featuring over 40 expert practitioner speakers including: Chris Gabriel, CEO, Zain Africa Coenraad Jonker, Director: Community Banking, Standard Bank Michael Joseph, CEO, Safaricom Nicholas Levi, Director of Payment Line of Solutions, Orange / France Telecom Olga Morawczynski, PhD candidate studying M-PESA Dare Okoudjou, Head of Mobil Money, MTN Leon Perlman, Chairman, WASPA Ravind Ramanah, Head of Marketing, Emerging Markets, BNP Paribas Carol Realini, CEO, Obopay Brian Richardson, CEO, WIZZIT Yolande van Wyk, Head, Expansion: MATS, First National Bank PLUS: Absa Bank, A Little World, Amarante Consulting, Citigroup, Co-operative Bank of Kenya, Devoteam Consulting, Edgar Dunn & Company, Genesis Analytics, IAMTN, Keith Smith Consulting, Masary, mChek, Mi-Pay, Mondato, Mobile Transaction, Mukuru, Nokia, Oscillyte, Oxford Policy Management, Paradigm Solutions & Consulting, Pocit, P2P Cash, Paynet / PesaPoint, PlaNet Finance / MicroCred, Sofrecom, Wight Consulting

6. Our next event: MMT Africa Emperor’s Palace, 5 & 6 May, Johannesburg Introducing the new Mobile Money Academy: Our MMT conferences provide practical, ‘how to do it’ advice, delivered by practitioners with market-proven experience. Don’t miss our new ‘Mobile Money Academy’ – a comprehensive programme of workshops helping you overcome the key challenges in MMT project management. 1. Introduction to MMT 2. How to define an entry strategy for Mobile Money in a new market 3. How to develop a business model and revenue share that scales and provides value for all stakeholders in MMT 4. How to build an agency network for effective cash in/cash out 5. How to integrate mobile money with existing financial services infrastructure 6. How to talk to the regulators 7. How to make mobile money work for microfinance 8. How to select the right technology partners for MMT 9. Best practices in the distribution and marketing of MMT www.mobile-money-transfer.com/africa/pre-event-academy

7. Our next event: MMT Africa Emperor’s Palace, 5 & 6 May, Johannesburg Who you will meet

8. Our next event: MMT Africa Emperor’s Palace, May 5 & 6, Johannesburg Register now!!! Pricing: 2 day conference $1499 before 27 February 2 day conference $1599 before 27 Match 2 day conference $1699 after 28 March Mobile Money Academy $600 per day Register before 27 February to claim a double value $200 early bird discount! Online registration is open now at www.mobile-money-transfer.com/africa/registration/step1 . Alternatively register by: Telephone: +44 (0)20 7067 1831 Fax: +44 (0)20 7067 1807 Email: [email_address] Don’t delay – MMT Africa follows the acclaimed MMT08 conference in Dubai last November, which sold out to an audience of over 270 senior level delegates from 45 countries. Please quote MALNKO when registering.

9. Join our FREE LinkedIn MMT Group I’d like to invite you, and your team, to join our MMT Group on LinkedIn. The MMT Group is open to all mobile money practitioners – whether or not you attend our conferences – and is free to join. We have over 750 senior level members, contributing to a lively discussion board and sharing daily news items monitoring the world’s most established and latest MMT services. Join the MMT Group on LinkedIn today at www.linkedin.com/e/gis/1137767