Euro-Wallet White Label

1. Payment Strategy for Macedonia By Euro-Wallet

2. Future vision of Euro-Wallet Mobile payment is easy and secured solution of transferring money between people and merchants in different countries Mobile payments will support replacement of Cash Mobile internet will replace desktop internet

3. Presentation Company & Concept Who we are Our Business Concept What we do ZMAZZ®Business standalone ZMAZZ®Business integrated ZMAZZ®Businesswebshop Day in a life of a consumer How to introduce Mobile banking & payments?

4. Who we are 2008 established Euro-Wallet as a company Subsidiary company Rudillian China Union Pay/Bank of China/EVD Pilot >42.000 users 2009 Euro-Wallet introduced ZMAZZ® and ZMAZZ®BUSINESS 100% privately held/independent from Bank/Telco Small group of professional and ambitous people, making use of yearly experiences in financial-, telecom- and marketing

6. Become one of the European key players in mobile payments connected to loyalty

7. PCI DSS certified/PSD/E-Money License

8. Bank/Telco/Device independent

9. Low threshold

11. What we do ZMAZZ® works on any mobile phone (GPRS, SMS, Mobile APP) anywhere EURO-WALLET payment system includes: Consumer to consumer payments Consumer to merchantpayments POS (Cash register) integration Online payment services Instant notification of payment via SMS and/or Mobile Application Independent of the PCI infrastructure Country independent Bank independent Telcoindependent Costwise far more attractive thananyotheravailablepayment system world wide

13. 71% connect every day

14. 42% have been using the Internet for > 7 years

18. 52% of the under 25 feel disconnected from the world if without their phone

22. ZMAZZ®BUSINESS stand alone ZMAZZ®BUSINESS Application on a PDA Target market: SME’s and special projects Distribution: online, resellers, distributors Competitive mobile solution for Cash & Maestro payments

23. ZMAZZ®BUSINESS integrated ZMAZZ®BUSINESS Application on Cash Register Target market: Large Retail and special projects Distribution: online, resellers Competitive mobile solution for Cash & Maestro payments Easy implementation in the existing POS infrastructure

24. ZMAZZ®BUSINESS webshop ZMAZZ®BUSINESS Application for webshops Target market: Webshops and special projects Distribution: online, resellers, Competitive mobile solution for Credit Card, iDeal, PayPal, DirecteBanking Easy implementation in the WEB infrastructure

26. Thank you, for more information please contact our Head Office: Piet Heinstraat 1 7511 JE Enschede The Netherlands +31 (0) 53 482 4710 info@euro-wallet.eu www.euro-wallet.eu www.zmazz.com ‘