1. DWI Mobile Financial Services (MFS)

2. Agenda

• What is needed

• Our philosophy

• What DWI Technologies offers

• Architecture overview

• Core features

• Additional features

• Supported services

• Advantages of DWI MFS

• About DWI Technologies

3. What is needed 4. What is needed Security and Privacy Fraud and theft-free Simple Easy to use Pricing Low cost Accessibility Always and everywhere available Mobile banking and financial solutions User viewpoint Security Fraud and theft-free Evolving Evolving with the market and the technologies Easy to integrate with existing platforms Reliable Always and everywhere available Company viewpoint 5. Our philosophy 6. Our philosophy Flexibility Security KISS principle Modularity Interoperability Pluggability 7. What we offer 8. What we offer DWI MFS Pluggable Modular Easyupgradable Secure Reliable Easy tointegrate Scalable Interoperability 9. Architecture overview 10. Architecture overview 11. Core features 12. Core features 1. Supported channels: USSD, WAP, WEB, SMS, IVR 2. Security: Fraud Management, Blacklist, PIN Management 3. Internationalization (user language set via profile preferences) 4. International money remittance 13. Additional features 14. Additional features

Merchant and product management

2. mWallet (minor Wallet , separate wallet working as a refillable card, can be used for young people or minors under tutor s management)

3. eWallet sharing (use of the same wallet with morethan one phone number with role restrictions, spouse or business wallet)

4. Security

- Fraud Management

- Blacklist

- PIN Management

15. Supported services 16. S upported services 1.Remittance (simple and recurrent) 2. Peer-To-Peer transfer (simple and recurrent) 3. Micro-payment and cash deposit/withdrawal 4. Bill payment 5. Purchase (merchant payment) 6. Prepaid Top-up and Tie-ins 7. Financial transactions with banks and financial institutions 8. Short-term Credit 9. Saving 17. Advantages of DWI MFS 18. Advantages of DWI MFS 1. Ease of integration 2. Low cost due to open sources and licenses free solutions used 3. Ease of maintenance 4. Internationalization 5. Simplicity 19. About DWI Technologies 20. About DWI Technologies

Founded and having an increasing network of clients and partners since 2006

Open-source and licensed free solutions oriented

KISS (Keep-It-Simple-Stupid) principle oriented in all implementations and solutions

Partners and clients in the US, Europe, Asia and Africa

Fast and clean solutions implementation

Most partners are former clients

Focused on implementing solutions and concepts for third world countries

Experience in Telecommunications, Banking, Integration and Outsourcing

Keen on long-term partnerships

Customers & partners 21. We are waiting and keen to build a solid and long-term partnership with you. For more information, please contact Daniel Wamara atdwamara@dwitech.com or at + 49(0)163 219 1287