The presentation focuses on how India will have the largest base of mobile financial service users, multiple times the numbers that we see today in markets such as Kenya and the Philippines.

2. Obopay Confidential 2 Introduction to Obopay Mobile Financial Services in India

3. 3 Obopay: What we do One global platform with customized delivery by partner/region. Obopay delivers customized solutions that enable market makers to offer their own branded mobile money services. End-to-End managed services: low cost of entry, rapid time to market Disbursements Bill Pay Digital Wallets Money Transfer (P2P) Cross Border Remittance And more …with customization capabilities to meet partner needs. M & E Commerce Minutes Top up Obopay Confidential

4. Obopay: Who we are Global Company: Redwood City CA (HQ), Paris, Bogota, Mumbai & Bangalore. Actively engaged with partners seeking to expand in new geographies. Investors: Alliance Bernstein, Redpoint, Qualcomm, Onset, Richmond Management, Wolfensohn & Co, Essar, Citi, SG, Nokia. Employees: 250+, primarily focused on technology, customer delivery, and operations. Partners: Go to market with partners in all geographies. Partners include Nokia, SocieteGenerale, MasterCard, FIS, Star (FDI). Platform: Resilient, scalable Java-based platform with customized delivery capabilities unique to partners in developed and emerging markets. PAYMENT NETWORKS BANKS MNOs HANDSET MANUFACTURERS RETAILERS Obopay Confidential

5. Live Services around the world Obopay Confidential

6. 6 Obopay: Platform for Universal Payments PREPAID PLATFORM Obopay Confidential

7. 7 Mobile Financial Services Opportunity in India White collar (IT, services) Blue collar ( Labour for Construction, infrastructure, transportation) Student (Education / Skill training/ Competitive Exam preparation Underserved Migrant population in India Age Spectrum : 51% < 25 years / 67% < 35 yrs* 50% of rural population keeps savings at home^ Workforce ~ 761 Mn by 2012* 69% of population is unbanked^ ~1.2 Bn people / ~800 Mn cell phones/ ~80000 bank branches* Source : *Asian Development Bank, 2007. ^http://www.financialexpress.com/news/fe-editorial-banking-the-underbanked/586873/0 Obopay Confidential

8. 8 Enablers for Mobile Financial Services Source : *Asian Development Bank, 2007, website - fino.co.in ^http://www.financialexpress.com/news/fe-editorial-banking-the-underbanked/586873/0 Obopay Confidential

9. 9 Alternate approaches to Mobile Financial Services Obopay Confidential

10. Obopay Confidential 10 Factors necessary to drive successful mobile financial services

13. Emergence of remittance corridors

14. Usage frequency increasing with multiple use cases including paying for goods and services and inward remittances from overseas

15. Mobile payments an everyday activitySource : http://www.ciol.com/News/News/News-Reports/600- mn-UID-cards-to-be-rolled-out-by-2014/146587/0/ India will have the largest base of mobile financial services users, multiple times the numbers that we see today in markets such as Kenya and the Philippines Obopay Confidential

16. 12 Obopay: Growing with Partners Obopay Confidential

17. 13 Thank you @Obopay @DChandnani www.obopay.com Obopay Confidential