World Data Transactions

WDT | p22

Company Brochure
2010
2010 | All rights reserved | Confidential

WDT | p1
WDT IS THE WORLD’S FIRST SUPPLIER OF TURNKEY, END-TO-END,
MOBILE MICRO FINANCIAL SERVICES FOR FINANCIAL INSTITUTIONS
AND SERVICE PROVIDERS OF ANY KIND

• M.net Ecosystem, WDT’s open and flexible ecosystem,
integrates a robust, state-of-the-art, core banking platform,
a financial and telecom transactional network and a next-
generation, multi-platform, mobile development environment,
enabling financial institutions, mobile operators, retailers
and other service providers to deliver on-demand mobile
remittance, mobile banking, mobile payments and
mobile commerce services to its end-users

• In addition, WDT can provide its clients access to regulated
Micro Financial Institutions and/or banks in countries where
regulated deposit accounts are mandated

• WDT is a Washington D.C. based company, with offices in
Buenos Aires, Argentina and in La Paz, Bolivia, founded in
2009 by Oscar Bazoberry, World Data Ventures’ Chairman


WDT | p2
THE COMPANY HAS SET ITSELF AMBITIOUS OBJECTIVES

Create the world’s most comprehensive and profitable mobile micro-financial
ecosystem to help financial institutions, mobile operators and service providers develop
Vision and deliver end-to-end mobile financial services on an international basis, connecting
the bottom-end segments of the income pyramid to a broader economic life

Integrate top-notch micro financial industry players from around the globe
to its robust and open Ecosystem to enable service providers of any kind – including
Mission financial institutions – to create, manage and operate a large array of turnkey, state-
of-the-art, mobile micro-financial services in a fast, easy, flexible and efficient way,
maintaining the industry’s highest security standards


WDT | p3
WDT’S M.NET ECOSYSTEM TAKES FULL ADVANTAGE OF CONVERGENCE
BETWEEN FINANCIAL SERVICES AND WIDESPREAD MOBILE ACCESS
TO HELP SERVICE PROVIDERS “BANK THE UNBANKABLE”

In spite of the growth of Financial institutions, mobile operators,
financial services’ delivery retailers and large service providers
to the poor in the last have the potential to deliver mobile
micro financial services to the bottom At the same time, it is
decade, CGAP’s* experts
estimate that nearly three end segments of the income pyramid expected that a large
portion of these people
billion poor people around
The provision of these services not will gain access to a
the world lack access to
only opens new and profitable revenue mobile phone by 2013
the basic financial services
sources for the above mentioned
essential for them to companies, but also can be a critical
manage their precarious stepping stone in connecting these
lives citizens to a broader economic life

* Consultative Group Assisting Poor


WDT | p4
M.NET ENABLES FINANCIAL INSTITUTIONS, MOBILE OPERATORS,
RETAILERS AND LARGE SERVICE PROVIDERS TO DELIVER ON-DEMAND
MOBILE FINANCIAL SERVICES TO ITS END-USERS


WDT | p5

M.net Remittance enables both service providers (SPs) and financial
institutions (FIs) to create, manage and operate a host of remittance
products for their customers to access through integrated mobile
solutions.

Main SP features: End-users’ main features:
• Origination and/or termination • Simple registration with debit card
remittances delivery
• Multi-currency support • “Always available” account
• Foreign exchange (FX) capability information (balance, remittance
• Totally configurable system, easily history, details)
parameterized by non-technical users, suiting • Remittance tracking
specific clients and end-users’ needs • SMS alerts and notifications
• Interaction with international correspondents
and partners
• Commission management at a national and
international level
• Multiple charges for money transfers and
foreign exchange management
• Promotion strategies
• Deferred payments
• Daily execution of clearing between payment
orders and paid orders, and of settlements
between party bank accounts
• Support for the next generation of ATMs


WDT | p6

M.net Bank enables service providers (SPs) and financial institutions
(FIs) alike to create, manage and operate a diversity of micro finan-
cial products and deliver them to their clients through integrated
mobile solutions

Main SP features: End-users’ main features:
• Totally customizable system, easily • Account information (balance,
parameterized by non-technical transaction history, details)
• Easy and flexible integration with clients’ core • Transaction search with various
systems or online/home banking platforms filters
• Availability of high productivity tools such • Bill payment
as Credit Flow Definition, Loan Simulator, • Fund transfer
Portfolio Management, Credit Administration, • Access to Visa and MasterCard
Savings & Deposits Management, Treasury network
Management Module, etc. • ATM & Branch or POS locator
• Quick creation of new financial products “on • SMS alerts
the fly”, employing smart templates • Automated customer service
• Fully auditable system for complete business
management control
• Multi-currency management, including non-
monetary units (e.g. prepaid mobile credit
minutes)
• Powerful credit scoring engine
• Integration with 3rd party bill payment,
fund transfer and remittances, financial,
location and content services as well as credit
bureaus


WDT | p7

M.net Wallet is a cutting-edge, all-embracing mobile payments
solution for financial institutions (FIs) and service providers (SPs) to
enable their end-users, banked and unbanked, to perform payments,
purchases, credit top-up and other services

M.net Wallet is built upon TX.net, WDT’s transaction network, which integrates the
mobile end-user solutions with financial institutions, mobile network operators,
payment and credit card processors, retailers and merchants
TX.net powerful platform can handle millions of transactions per day, meeting the
highest concurrent processing demands
By deploying M.net Wallet solution, SPs can access local and international issuing and
acquiring processors, agent networks and regulated accounts

End-users’ main features:
• Account information (balance, • Prepaid credit reload and mobile-to-
transaction history, details) mobile top-up
• Transaction search with various • SMS alerts
filters • Management of frequent buyer loyalty
• Bill payment programs
• National and international • Administration of retailers mobile
remittances (in currency or gift coupons and gift cards
cards) • Purchase of mobile tickets for events,
• P2P or associated debit card movies and theatres
merchant purchases • Browse location and mapping of stores
and retailers using different filters


WDT | p8

M.net Store enables retailers and stores to boost revenues by
mobilizing their businesses, adding new products and services to
their portfolio, accepting mobile payments and increasing customer
purchase frequency and amount

The solution allows retailers to create, manage and operate the following
services with the security of non-cash handling:
• Accept P2P mobile payments
• Accept debit or credit card payments utilizing a POS
mobile payment processor
• Re-sale mobile financial, telecom and other digital
services (e.g. prepaid mobile credit, bill payment,
virtual accounts’ cash-in/cash-out, micro-loans, gift
cards, etc.)
• Launch a mobile store for apps and digital goods
• Issuing of mobile coupons marketing campaigns
• Queue management with mobile ordering and paying
ahead
• Launch and manage customer loyalty programs


WDT | p9
THE M.NET ECOSYSTEM EMBODIES THREE CONSTITUENT PLATFORMS…

• Specialized, robust, core banking platform serving as the Ecosystem’s back-office
• Developed by WDT in association with Microsoft, this platform not only meets all micro
finance industry’s requirements but has also been extensively tested by Innova (a
World Data Ventures’ company) in several MFIs in the US and in Latin America

• Financial and telecom transactional network delivering payment and telecom
switching capabilities to the Ecosystem
• This state-of-the-art switching fabric supports financial instruments such as debit
cards (co-endorsed by VISA and/or MasterCard), merchant POS services, ATM
networks, agent loading networks, as well as different delivery protocols such as
SMS, USSD and GPRS

• Next-generation, multi-platform, mobile development environment providing
end-users access to M.net’s services through text messages, mobile web and
applications
• APPS.net provides the Ecosystem’s clients with totally customizable, standard,
end-user mobile solutions and with a powerful rapid application development tool for
them to create their own mobile solutions
• APPS.net is a fully open environment decoupled from the core banking platform,
enabling a fast and easy integration with third parties’ mobile environments


WDT | p10
AND HAS THE ABILITY TO INTEGRATE HUNDREDS OF STRATEGIC
PARTNERS AND ASSOCIATE COMPANIES FOR MAXIMIZING THE
POTENTIAL FOR JOINT VALUE CREATION

End User

Mobile Micro Financial Ecosystem Augmented Ecosystem

Payment
Mobile Micro Shopping Processors
Banking Payments Remittances
Development Loans & Top-ups
Environment FIs & Financial
P2P Credit / Coupons Gift LBS
Debit Alerts Loyalty & Tickets Cards Service Providers

Secure Wireless Link Mobile Operators
& Gateways
Secure
Financial & Telecom Network Processors Link
Retailers
Core Banking Back-Oﬃce Services
Corporate Users & Credits Point-of-sales
Back-Oﬃce Networks
Development Parameters Security & Loans
Environment Savings Money SMS & Alerts
& Deposits Transfer Engine Content
Providers

On Premise Deployment or Secure Link

Clients’ Core Systems and UIs


WDT | p11
WDT’S ECOSYSTEM PROVIDES CLIENTS AND PARTNERS THE ABILITY
TO CREATE AND FULLY CUSTOMIZE MOBILE END-USER AND CORE
BANKING BACK-OFFICE SOLUTIONS

Back-office developers… Mobile developers…

Have access to a fully-web One of the market’s fastest
IDE with hundreds of built-in and most time and cost
functions and properties and a efficient mobile applications’
drag-and-drop interface builder development tools WDT’s Development
Have a powerful Back- Environment is a
Office Development next-generation rapid
Environment, that can Can create multi-platform application development
be easily customized Avoid both the need to
applications – supporting J2ME,
master the different mobile
tool enabling third-party
by non-technological Symbian, Blackberry, iPhone, developers to easily
platforms’ programming
users to create new Android and Windows Mobile – create end-to-end mobile
languages and to directly
core modules, products using only WDT’s proprietary, banking, payments,
interface with complex APIs
easy-to-use, code base
and services, operating remittances, top-ups,
flows, etc., creating a loyalty, coupons & gift
completely tailored core cards, tickets, location
banking solution Create a single application and and any other micro
provide a unique access to mobile Overcome mobile device financial solutions
phones’ features and data, such limitations and burdensome
as screen size, camera, contacts, portability requirements
GPS and keyboard


WDT | p12
CLIENTS CAN LEVERAGE THEIR SERVICES AND PRODUCT
OFFERINGS THROUGH WDT’S MOBILE MICRO FINANCIAL ECOSYSTEM
AND GAIN ACCESS TO THE FOLLOWING ADVANTAGES (1/2)

Comprehensive WDT is the first company in the market to provide its clients with mobile micro financial
end-to-end solution services’ complete value chain

Speed to market Fully parameterized solutions enabling clients to launch mobile micro financial services in
less than one month

Customization Customization of clients’ mobile UIs (including look & feel, features and user flow) and
back-office platform, meeting their businesses and end-users’ specific needs

One-stop-shop, integrating all mobile modes (application, text messages and mobile web)
Integrated Product
in a unique solution, combining them creatively to offer a superior user experience

Reach every existing mobile device regardless of brand, model and operator, not only by providing
Full device coverage text message and mobile web access but also by employing multi-platform, high porting
applications supporting Java, iPhone, Blackberry, Windows Mobile, Symbian and Android

Access to the most comprehensive delivery network (e.g. download from client’s web and/
Delivery Options or WAP sites, inbound SMS short codes or outbound SMS campaigns, deployment of Bluetooth
antennas in strategic locations, etc.) for maximizing mobile applications’ end-user penetration

Seamless Updates Automatic and seamless update without end-user burdensome processes


WDT | p13
CLIENTS CAN LEVERAGE THEIR SERVICES AND PRODUCT
OFFERINGS THROUGH WDT’S MOBILE MICRO FINANCIAL ECOSYSTEM
AND GAIN ACCESS TO THE FOLLOWING ADVANTAGES (2/2)

The Ecosystem’s solutions have the market’s highest security levels, including:
• Multi-factor authentication
• Advanced encryption standards (communications via HTTP and 3DES 192-bit and AES
256-bit encryption)
Security
• PCI compliance
• Application lock-out on lost phones by user or customer service reps
• Device session timeout
• No personal data stored on devices

Open platform providing developers and clients easy-to-use back-office and mobile
Development
application development tools for adding new features to existent solutions or creating
Platform new multi-platform applications and services

On-premise Adaptation to clients’ existent technological equipment, investment possibilities
or Fully Outsourced and/or security requirements by deploying the Ecosystem’s services in WDT’s own
datacenters or on clients’ premises


WDT | p14
WDT ADDRESSES THE DISPARITIES IN CLIENTS’ BUSINESS GOAL
AND BUDGETS BY OFFERING THEM FLEXIBLE BUSINESS MODELS
TAILORED TO THEIR SPECIFIC NEEDS

Description Benefits

• The entire platform is deployed as a hosted • Reduced infrastructure,
service in a secure environment in WDT’s installation costs,
premises and accessed over a secure data link administration overhead
• Clients subscribe to the platform by paying a • Solution to relevant IT
Software as
fixed or variable monthly fee based on the issues such as scale,
a Service
(SaaS) number and type of services hired and on the performance, uptime,
amount of value transactions processed disaster recovery and
• This monthly fee includes all support and maintenance
maintenance tasks, seamless updates and
upgrades and related services

• The platform is delivered under an unlimited • Full ownership
license, allowing clients to install the software • Totally customizable
on their premises equipment and to use it in
perpetuity • Retained perpetual license
with no impact in P&L
Enterprise Solution • The license value will vary according to the
number and type of services required and to • No cost increase with
the number of the platform’s end-users end-user growth

• The license includes a one year support and
maintenance fee


WDT | p15
WDT IS CURRENTLY DEVELOPING A VARIETY OF SOLUTIONS
(INTEGRATED ECOSYSTEM AND DECOUPLED M.NET AND APPS.NET)
IN DIFFERENT COUNTRIES AND FOR DIVERSE CLIENTS (1/3)

• Cyberplat is a Russian company offering an integrated broad-based multibank in-
ternet payment system. In Mexico, Cyberplat has a large cash acceptance net-
work providing payment services, mobile prepaid credit top-up, ticket sales, etc.
Cyberplat • WDT is developing a prepaid virtual deposit account service for Cyberplat’s
(Mexico) eventual customers combined with a mobile wallet application for accessing
the company’s services from their mobile phone
• The application will have attractive additional features such as store location
and mobile coupons

• Monedero is a NFC prepaid card for making micro-payments in public transport,
drugstores, toll-booths, and other stores
• When WDT approached Monedero, the company had two main objectives: (i)
achieve dramatic growth in the number of stores accepting payments with Monede-
Monedero ro without incurring in large-scale CAPEX for high-cost NFC terminals; and (ii) in-
(Argentina) creasing user transaction frequency and average transaction amount
• WDT is currently developing a customized mobile POS payment processor for
making a fast and cost-efficient deployment in stores and, in parallel, is integrat-
ing the NFC card with a mobile wallet application for enabling users to pay
bills, purchase products, transfer money to other users, locate nearby stores, etc.


WDT | p16

• At BNF, Paraguay’s national development bank, WDT is implementing its mobile
banking and mobile wallet applications to enable the Bank’s customers to
Banco Nacional manage their bank accounts and active products, cutting down servicing costs,
de Fomento and to pay for their purchases at selected stores and merchants using their mobile
(Paraguay) phones
• At the same time, WDT is working with the point-of-sale network to deploy its
mobile POS payment processor solution

• Cooperativa Universitaria is a Paraguayan credit union with more than 70,000
clients, offering deposit accounts, loans and other financial services
Cooperativa • WDT is currently developing a customized and integrated mobile banking and
Universitaria
mobile wallet application for Cooperativa Universitaria’s clients to gain access
(Paraguay)
to its products and services using their mobile phones
• WDT is also creating a mobile customer loyalty program to include later in the
application

• OMLA’s executives have been in the Micro Financial arena for over 20 years with
OMLA an incredible success track record and have forged a reputation to be the world
(Brazil and leaders in using technology to optimize MFIs’ operation and administration
Argentina)
• OMLA hired WDT’s Ecosystem for powering its MFIs’ Latin American
deployment


WDT | p17

• This type of company is very common in Argentina where users contact its call-
center to ask for a cab to fetch them at a determined location. Corporations
usually have a current account in one of these private taxi companies for its
employees to travel with charge to the company’s account
Private taxi • WDT is developing a mobile wallet application by which users can contact their
service companies preferred taxi company to ask for a cab and pay, when arriving at destination, with
(Argentina) charge to their Monedero cards
• Corporate users, instead, would pay for the taxi service using the mobile application
but charging their employers’ current account
• In a second phase, users would be able to link the application with their credit
cards for paying their taxis with charge to them

PRODEM, one of Bolivia’s largest MFIs (Micro Financial Institutions), has been
PRODEM using the previous M.net version since its inception and is currently upgrading it to
(Bolivia) the next generation Core Banking platform for servicing over 100 branches and
approximately 500,000 clients

DSA DSA is a US-based financial service provider implementing WDT’s Ecosystem
(US) for the creation of a global network of remittance operators and payors


WDT | p18
THE COMPANY IS ACTIVELY LOOKING FOR NEW ECOSYSTEM
MEMBERS FOR ENHANCING ITS JOINT VALUE PROPOSITION,
ENLARGE ITS BUSINESS SCOPE AND BOOST COMBINED REVENUES

Micro financial
services • Ecosystem’s members can jointly
Payment Communication create new mobile services and
processors networks co-market them to maximize
customer adoption
WDT strongly believes • Additionally, members can drive
in the exciting business value from:
opportunities that could - Leveraging economies of
Point-of-sale be generated by actively Mobile devices scale by sharing one platform
networks partnering with micro worldwide
financial industry’s key - Reducing CAPEX and OPEX
players requirements by sharing
infrastructure and operational
resources (e.g. call centers)
Mobile solutions Technologies - Increasing efficiency by using
and apps the Ecosystem
Service
bureaus


WDT | p19
WDT’S MANAGEMENT TEAM BRINGS A DEPTH OF EXPERTISE IN
THE IT, TELECOM AND MOBILE SOLUTIONS INDUSTRIES TO PROVIDE
THE HIGHEST QUALITY MOBILE MICRO FINANCIAL SERVICES (1/3)

• Mr. Bazoberry is World Data Transactions’ Chief Executive Officer and
Chairman. Mr. Bazoberry has over 30 years of experience managing leading
Oscar Bazoberry technology strategies in the US and abroad. As the company’s CEO, he
CEO is laying the groundwork for WDT’s continued growth, creating revenue
generation opportunities and optimizing operating efficiency, and leading
WDT’s global expansion efforts
• Mr. Bazoberry’s abilities for leveraging telecom and IT to optimize and
globalize management and operational processes, anticipate technological
cycles and turn around operations, have created over a billion dollars in
value for his clients and shareholders
• He has served as a strategic advisor to corporate boards of high ranking US
and foreign government organizations, as well as participated in regional
summits such as the l Summit of the Americas and other regional diplomatic
summits and gatherings
• Mr. Bazoberry is also a Partner and CEO with World Data Ventures

• Mr. Dick is WDT’s Chief Operating Officer and also serves as Executive Vice
President at World Data Ventures
Robert M. Dick • Throughout his career, Mr. Dick has overseen the business development and
COO operational efforts of the World Data Group’s companies, including Comsat
International. He has played a critical role in the strategic refocusing of
these companies, maximizing revenues and expanding market share
• Mr. Dick has been active in assisting and advising telecom and technological
companies with capital funding, forging of strategic alliances, corporate re-
capitalization, M&As and investment banking services


WDT | p20

• Mr. Nano is a Partner and Sr. Vice President of Business Development with
World Data Transactions, responsible for achieving the company’s revenue
Federico Nano and commercial expansion objectives. Mr. Nano brings to WDT more than 15
Sr. VP Business years of entrepreneur experience in the IT and Mobile industries.
Development • Mr. Nano is also a Partner and CEO with CodaMation, a leading, Argentine-
based, mobile solutions company with operations in Latin America’s largest
markets, US and Spain.
• Prior to joining CodaMation, he bought a minority stake in Tecnologías del
Sur, a software factory dedicated to the provision of IT solutions to US
companies, where he acted as Chief Operating Officer.
• Previously, in 1999, Mr. Nano co-founded e-Solutions, a business intelligence
solutions and web-tools start-up where he served as New Business and
Alliance Manager.
• While working at e-Solutions, he co-founded Nadisa, one of Argentina’s
biggest wholesale food and beverages distributor, where he maintains an
advisory role.
• At the outset of his career, Mr. Nano held various Business Analyst positions
with Land Rover Argentina and Banco de Crédito Argentino (today BBVA).

• Mr. Alvarez is WDT’s Chief Technological Officer. He has over 20 years of
experience in the international telecom and IT industry
Bayardo Alvarez • Mr. Alvarez has lead implementations and consulting on IP networking and
CTO services infrastructure throughout Latin America, the Middle East and Africa, for
regional and local telecom companies
• In the US, he has provided IT consulting, integration and management services
for corporations and government entities
• His background also includes work in systems analysis, software development
and database design
• Mr. Alvarez is also Chief Network Officer at World Data Ventures


WDT | p21

• Mr. Bouzas is WDT’s VP of Strategic Planning and is responsible for maximizing
the company’s overall strategic value. Mr. Bouzas has more than 10 years of
corporate strategic planning experience in a variety of industries.
Francisco Bouzas
• Mr. Bouzas is also a Strategic Marketing Manager with CodaMation, a
VP Strategic Planning
leading, Argentine-based, mobile solutions company with operations in Latin
America’s largest markets, US and Spain.
• Prior to joining CodaMation, he was Planning & Control Manager for Grupo
Sidus, one of Argentina’s most important pharmaceutical and retail pharmacy
companies.
• Mr. Bouzas previously served as CEO at Trinario and Factora, two Argentine-
based call centers specialized in debt recovery and sales of products and
services, respectively.
• While working at Trinario and Factora, he was a Partner with Trice Investment,
an investment banking boutique with operations in Latin America.
• Prior to these roles, Mr. Bouzas held different strategic, planning and
marketing positions with Grupo Telefónica, both in Argentina and Spain.
• Mr. Bouzas earned his BS degree in Economics from Universidad Católica
Argentina and his MBA from ESIC, Madrid


WDT | p23

www.wdtecosystem.com

World Data Transactions

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