MoneyPolo Presentation© Mayzus Financial Services Ltd.

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INTROMoneyPolo® is a registered trademark owned by the UK-based company Mayzus Financial Services Ltd., operating under the licence by the Financial Conduct Authority (FCA).

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INTRODUCTIONMayzus Financial Services has built a successful brand, MoneyPolo , with a wide range of products and services. Since its launch in 2009 the business has grown significantly with its commitment to low cost services for the unprivileged classes in the society and its cost-efficient services for businesses. With Mayzus Financial Services has determination and committed focus on payment services, pre-pay card solutions, foreign currency for bill payments, and money transfer.

It has established itself as a respected and trusted partner to some 200,000 customers all over the world.

MoneyPolo provides the unique networking software for all major money transfers players, easy to implement into the in-house solutions via API or used immediately through the web application.

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LICENCE COVERING ALL EEA COUNTRIES ...AND BEYOND

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Existing branches Prospects for 2015 The countries supporting the MoneyPolo direct bank deposit

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The MoneyPolo branches are open and successfully operate in the following countries:

MoneyPolo Partners Network coverage:Asia, Latin America, Africa, CIS, USA

THE MONEYPOLO DIRECT CORRIDORS

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�e Czech Republic Great Britain Mongolia Germany

Slovakia Sweden Vietnam �e Philippines

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DEVELOPMENT RATES. IT MAY SEEM IMPOSSIBLE.May 2011• MoneyPolo brand launch• Opening the first money transfers office in Prague, Czech Republic

May 2012• 33 local agents in Czech Republic• Licence extension to Authorised Payment Institution

May 2013 • 150,000 customers• MoneyPolo money transfers can be withdrawn in more than 700 locations across the Czech Republic

May 2014 • New Visa Programm launch (USD, EUR, GBP), extending MoneyPolo presence in the UK (new partner’s offices)

May 2015 • Opens in 3 new countries: Sweden, Germany, Slovakia• Card acquiring project launch

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PARTNER-SHIP SCENARIOS

-MoneyPolo cash transfers agent (operates under the MoneyPolo brand)-MoneyPolo cash transfers partner (expands the MoneyPolo partner network)-Payroll MoneyPolo card programme partner -MoneyPolo payment solution user (payment gate)

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PARTNERSHIP2.1

The structure of MoneyPolo parner’s network

Our partners come from all the walks of life. And there is no surprise they choose us: we offer a flexible solution, our licence covers most of the types of activities - so, a company of any size will find definitive benefits in cooperation with MoneyPolo. Our legal team is strong and solid and presents the best of its profession in the UK.

CASH TRANSFERS AGENT

CASH TRANSFERS PARTNER

PAYROLL CARD PROGRAMME PARTNER

PAYMENT SOLUTION USER

58%

27%

12%3%

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CORE PRODUCTS

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MoneyPolo offers a range of services for both individual and corporate customers.

80% OF OUR PARTNERS eventually become our customers. And vise versa.

For all our services we provide an easy-to-use API, necessary documentation and examples for implementation in several programming languages.

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CORE PRODUCTS3.1

PRINCIPLE PRODUCT:

Cash Transfers (A service mostly used for sending money to family in other countries)

Prepaid Cards (Enables customers to purchase goods online and manage their budgets as they need a MasterCard or a Visa without the trap of debt or unexpected credit card bills)

Payment Accounts (Enables customers to pay bills when they are unable to use their banks due costs of currency issues)

Multi-currency Account (Enables customers to hold money in 128 different currencies without having to open separate accounts for each each currency)

Forex Services (Enables customers to get their money converted into foreign currency and store for use through either bill payment or money transfer)

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WHO ARE OUR CUSTOMERSCORE CUSTOMER GROUPSCustomers generally fall into one of 3 categories:• individual• small businesses• corporate businesses

Whilst these often expand in to groups within groups it is important to not lose the overriding principles that will provide targeted products and solutions to these customers.

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CORE CUSTOMER GROUPSIndividuals – Are customers that have specific need that MoneyPolo can fulfil but unlike business customers they will generally come from low income areas, and will be low value customers with the exception of high net worth individuals such as millionaires who will be likely to take up more services from MoneyPolo.

Small Businesses – These customers are typically businesses that have fewer than 10 staff and less than £2 million profit turnover, not dissimilar to Individuals that are high net worth but there are some exceptions such as holding companies, trusts, and charities where the staff numbers are greater but if the profit is in excess of £2million these would be Corporate customers.

Corporate Businesses – These businesses will tend to have in excess of 10 staff but not always the key contributor as the profit turnover exceeding £2 million these businesses will have need of much wider scoping service needs and product demand.

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SERVICE REVIEWMONEYPOLO CASH MONEY TRANSFERS

At the moment, MoneyPolo has a possibility to send and receive money transfers from/to more than 130 countries around the world.

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SERVICE REVIEWMoneyPolo provides non-standard ways to send cash and bank transfers through self-service terminals and online, from the personal secured account. It also supports transfers without proper address specification.

In July 2011 the first office of the international money transfer system MoneyPolo in Prague has been opened. In Czech Republic, money transfers can be made in cash or through bank accounts. It is also possible to pay out money transfer by cheque or towards a bank account within United Kingdom bank system.

In 2012 the number of MoneyPolo’s partners started to swiftly grow. Now, we have around 60 partners all over the world and we are able to send and receive money in more than 400 000 branches.

In 2014 The World Bank published statistics of money transfers for the forth quarter of the year, placing MoneyPolo as the number one money transfer service provider for transfers to Vietnam and Ukraine.

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CASH TRANSFERS. WHY MONE YPOLO?Focusing on offering a high quality, efficient, and convenient service, MoneyPolo continues to increase the number of its representatives all over the world.

Our key points, helping us to develop fast, are: • trustworthy brand• profitable tariffs• safety• convenience• efficient procedures of AML control

MoneyPolo offers a possibility of individual customization and partner system integration, full access to electronic information, scheming rights hierarchy and much more.

Each partner gets an individual solution – commissions, terms and conditions, time frames and limits are agreed in mutual negotiations.

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MONEYPOLO. REMITTANCE FLOW INEUROS

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MoneyPolo: Money transfer services

2011 2012 2013 2014

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MIN

G

OU

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ING

Expected in 2015

0

10 000

20 000

30 000

40 000

50 000

60 000

70 000

80 000

90 000

100 000

120 000

140 000

160 000

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TRANSFERS AND COUNTRIES4.4

MoneyPolo: Sent remittances by countries

MoneyPolo has appeared in the statistics of the World Bank. It is said to be a leading money transfers service, for example, between the Czech Republic and Vietnam and also between the Czech Republic and Ukraine.

VIETNAM

UKRAINE

RUSSIA

MONGOLIA

MOLDOVA

OTHER COUNTRIES

58%15%

11%

8%

3%3%

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MONEY-POLOCARDSMoneyPolo cards are globally accepted.

They meet MasterCard or VISA standards and can be used in over a hundred countries, at more than 1.5 million ATMs worldwide. A corporate customer has an option to apply for MoneyPolo branded cards or for their own corporate design.

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MONE YPOLO CARDSWhat is the MoneyPolo Card?The MoneyPolo prepaid card works like a debit or credit card. It can be used for in-store and online purchases, to withdraw cash from more than one million ATMs worldwide. It is ideal for a customer who doesn’t have a bank account. A prepaid card could be a great way to manage your day-to-day finances.

The customer can:• have wages or salary paid directly onto the card (through MoneyPolo account)• have any benefits paid directly onto the card (through MoneyPolo account)• top up your card with Cash and Cheques (through MoneyPolo account)• it is also a safe way to pay for just about anything. In-store transactions and cash withdrawals are protected by Chip and PIN

(The co-branded card programmes) (Master Card) (Visa)

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With no arranged overdraft facility or credit line available, the customer only spends what he/she has loaded onto the card.

Other benefits:• no Credit Checks – Open to everyone• no interest or unexpected bank fees to pay• many uses – shop in store, online, by phone or withdraw cash• it’s Secure – Chip and PIN protection and has no link to your bank account• discreet payments• the highest quality customer service and with a dedicated team here 24 hours 7 days a week• the first card for MoneyPolo Account holder is valid for up to 2 years

5.2 OTHER BENEFITS

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5.3 OUR PREPAID CARDSOur card programme: yesterday and tomorrow

Quick Card (including the merchants) Virtual Quick Card (Desposable and Reusable)MoneyPolo Card (Visa) MoneyPolo Card (MasterCard)

2009 2011

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of c

ardh

olde

rs

2013

0

2 000

0

4 000

6 000

8 000

10 000

++

2014Expected in

2015

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+

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MONEY- POLO ACCOUNT. International online money wiring is safe and secure, and Mayzus Financial Services offers its customers excellent rates and efficient execution of transfers.

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This all-in-one solution that allows: • payments in 128 currencies reaching 175 countries• receivables in 20 currencies automatically deposited on your account

Major benefits:• the account holder does not need to maintain different foreign currency accounts, saving time and money• the orders are executed on the same date via the SWIFT channel• the real-time rates are provided by the high street bank• ideal solution for big/small value and one-time/repetitive cross-border payments

6.1 PAYMENT ACCOUNT. BENEFITS

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6.2

Volume of transactions in thousands of Euros

MONE YPOLO BANK TR ANSFER

2011 2012 2013Expected in

20152014

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MIN

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OU

TGO

ING

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50 000

100 000

150 000

200 000

250 000

300 000

350 000

400 000

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CHARIT Y & SPONSOR-SHIP

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MoneyPolo traditionaly supports charity and lifestyle events, and proud to be:

• The partner of Czech Debra Non-commercial Association (British and American medical research charities dedicated to the curing of Epidermolysis bullosa)• Official sponsor of the Mongolian Spring Fest in Prague 2012, 2013, 2014• MoneyPolo is represented by minifootbal team in Golden Tour league (Czech Republic)

• An initiator and the main sponsor of the MoneyPolo Talent Contest (moneypolotalent.com)

• The partner of the Contest Miss Vietnam (Czech Republic)

7.1 CHARITY AND SPONSORSHIP

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OUR ACHIEVE-MENTS

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October 2012 Mayzus Financial Services receives an extended licenсe covering all EEA countries.

March 2013 MoneyPolo appears in the statistics of the World Bank as a leader in money transfers between Czech Republic and Vietnam as well as Czech Republic and Ukraine. Two years on still registered in leading position.

May 2013 Mayzus Financial Services completes the registration of the MoneyPolo trademark.

December 2013 MoneyPolo application for sending/receiving cash transfers appears on Google Play.

June 2014 MoneyPolo Operational branch opens in Mongolia. MoneyPolo starts to expand to Asian markets.

January 2015 MoneyPolo advances to the final in “IT Product of the year” contest with its Card Management System secure.moneypolocard.com

8.1 OUR ACHIE VEMENTS

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CONTACTS9.0

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MAYZUS FINANCIAL SERVICES LTD

LONDON BRANCH Office 14, 500 Chiswick High Rd W4 5RG, London

Tel: +44 (0) 203 542 1636Fax: +44 (0) 203 397 4818E-mail: info@moneypolo.com

PRAGUE BRANCHArcheologická 2256/1, Stodůlky 155 00 Prague 5, Czech Republic

Tel: +420 246 093 203Fax: +420 246 093 205E-mail: info@moneypolo.cz

GERMAN BRANCH Altmarkt 10, 01067 Dresden, Germany

SWEDEN BRANCH KLA - Karlerö Liljeblad Advokatbyrå,Box 7330, Stockholm, SE-103 90

Tel: +46 (0) 8 20 06 10

SLOVAKIA BRANCHRacianske myto 1/A, 831 02 Bratislava, Slovakia

Tel: +421 2 207 59 504