This presentation talks about the different business models and how they allow Obopay to adapt to different business environments and requirements of different markets and partners.

1. Types of Business Models from Obopay

3. Partner: - Operates, hosts the service, manages the go-to-market, regulatory compliance, customer/agent enrollment & service- Bears fraud risks

4. Example: Kenya / Essar

5. Obopay:- Develop, integrate and maintain the platform- Operate & host the services

6. Partner:- Manage go-to-market & settlement, regulatory compliance, customer /agent enrollment & service- Bear fraud and risks

7. Example: US/MasterCard, Senegal/SGObopay’s business model allows it to adapt to the different businessenvironments and requirements of different markets and partners Corporate Website Like us on www.facebook.com/ObopayMobilePayments

8. Concept: International Transaction Hub& Wholesale Bank ATM CASH OUT GTS Corporate Website Follow us on http://twitter.com/Obopay

9. Platform

10. Partner/Program/Profile Model Programs are related in a hierarchical manner such that configuration may be sparsely populated. Specific Program configuration is determined by starting at the leaf Program level and searching “up” the hierarchy. Read our http://blog.obopay.com/ Corporate Website

12. Currently licensed in 41 states & D.C.

13. Acquiring and maintaining MTLs represents significant barrier to entry, representing a strategic advantage. Licensees must have:

14. Impeccable Credibility, Solid Business Case/Premise, Executive Leadership

15. Sound Business Practice, Compliance, Audit Achievement and Surety Bonds

16. Deloitte independent AML audit completed in Q3 2008 (follow up audit in process)

17. Successfully completed 7 state audits in 2009

18. Local Regulatory Adherence:

19. Treasury Department and States

20. Bank Secrecy Act, OFAC and Patriot Act (KYC)

21. Independent Partner and State oversight

22. Obopay Board of Directors Committee governance

23. PCI Compliance

24. PCI Level III – since 10/07

25. PCI Level I (v1.2) – since 5/08

26. Benefits

27. Securing cardholder information

28. Reducing fraud risk

29. Secure the brand image

30. Secure customer confidence

31. Integrated cardholder information architecture

32. Align with privacy principles

33. Sustained ongoing compliance

34. Enhancing existing processes and security to meet updated PCI standardsJoin us on www.linkedin.com/company/obopay

35. Money Transfer Licenses States for which Intl. Remittance Licenses secured by Obopay (36) States that do not require a License for Intl. Remittance (7) States for which Obopay is following up but is permitted to operate pending approval (7) Corporate Website

36. Thank You Obopay- A breakthrough in Mobile Payment Services, Go Mobile with your money www.facebook.com/ObopayMobilePayments http://twitter.com/Obopay http://blog.obopay.com/ www.linkedin.com/company/obopay