TELEPIN SOFTWARE http://www.telepin.

com/

Telepin Software is a leading provider of mobile transaction infrastructure software, providing mobile operators the most efficient and cost-effective way to control their distribution network, maximize revenues from mobile financial services, and deliver innovative mobile financial applications. Telepins Cayman Transaction Platform enables a full suite of electronic, transaction-based applications for mobile subscribers to recharge their mobile airtime without the use of physical cards or vouchers, facilitate P2P money transfers, allow for electronic bill payments, and more, using multiple channel interfaces. Telepins customer base includes 20 successful deployments with tier-one operators in the Middle East, Africa, and the Americas, for a total active user base of 71.5 million, on 275,000 merchant networks.

Telepin has and continues to establish successful relationships and strategic partnerships with our customers. From the onset of each customer engagement, Telepin believes in working with our clients and encourages an open dialogue for new requirements, product amendments, commercial adjustments, and the overall project. Our strong year-over-year customer growth and lasting relationships are a testament to Telepins strong commitment to provide innovative and flexible solutions on-time and cost effectively.

Telepins experienced executive team is committed to changing the approach of transactional service software. The team is led by President, Vincent Kadar. Vincent has more than 16 years of executive experience in software technology companies for wireless and telecom networks operators. Prior to becoming President of Telepin Software Vincent was founder and CTO at Airwide Solutions, a leading provider of mobile messaging infrastructure. Prior to Airwide Solutions Mr. Kadar served as Director of Wireless Technology at InfoSpace Inc, and served in senior technology positions at CrossKeys Systems and Accenture. Check out Vinces take on mobile money at the Mobile Money Transactions Blog.

Telepin is committed to developing its growing network of partners around the world to jointly pursue business opportunities to enable mobile subscribers If you are a systems integrator, reseller or software development company, and your customer base is mobile network operators, then Telepin is the right partner for you. With a focused collection of best-in-class products, top-tier global customers, and a solid track record for service Telepin is in business to create win-win opportunities with its partners. If you are a company with world-leading technology in the mobile space and would be interested in integrating your product or technology into Telepins product line, then please contact us at: partners@telepin.com

The Telepin Cayman Transaction Platform with its rich, feature-set modules, reduces distribution costs, manages complexity and greatly enhances your knowledge and visibility of your distribution network. Cayman improves your capability to offer, seamlessly, new services to your subscriber base without encumbrance. Telepin develops standardized and bespoke services utilizing Cayman as well as enabling third parties and in-house developers to do the same.

At the core of Cayman resides Telepins Transaction Switch (TTS) providing a robust architecture demanded by the telecommunications and financial industries for the processing of electronic transactions. TTS establishes the core of our architecture allowing a robust foundation for Cayman to host several Telepin and third-party applications. Throughout, mobile operators are given the ability to set discount rates, create exclusive product offerings, and mask products from certain agents or retailers. While the return on investment for implementing such a platform with its full feature-set is easy to see, additional customizable

modules and services can be integrated such as gift and loyalty programs, P2P transfers, and bill payments to name a few. Telepins eTopUp and mPayment applications can be deployed and integrated over the existing POS, ATM and/or Public Cash and Payment Machines (PCPM) networks and gives operators unparalleled access to deliver products and services to thousands of installed POS terminals. Cayman, with its full feature-set modules, empowers mobile operators around the world the ability to deliver more financially related services to their customer base than ever before. Cayman SDK One size doesnt fit all when it comes to a specific products, and because environments are so diverse and require service adaptation to meet with localmarket needs we have empowered our customers with the capability to develop.

Telepin mobile financial services (MFS) products provide you with the extension you require to provide a robust financial services offering to your subscriber and merchant customers. Our products plug into your existing infrastructure leveraging the investment youve made in charging systems and value added service delivery platforms. We understand transactions better than any general value added services infrastructure vendor and apply this knowledge to deliver you best in class services with which to launch your mobile financial services. Our Mobile Financial Services Address:

Your need to differentiate and extend your communications network to cooperate with financial community Your subscribers need for convenience and want to leverage the devices for additional capabilities Your merchants desire to incorporate mobile commerce as a payment mechanism Your concerns for security, privacy, and reliability

Telepins mWallet holds the greatest growth potential for operators to create stickiness for their subscriber base incorporating promotions and loyalties programs as well as remittance and payment services. mWallet is fully customizable by you and the consumer defining what is stored, shared access priviliges, and how the values are to be used and for what services. Implement mWallet as a complete stored value account complete with content privileges or simplified loyalty storage mechanism.

Key Benefits:

Creates the greatest form of stickiness between you and the subscriber Incorporated with the Telepin Promotion & Loyalty module provides the subscriber with a mechanism to store and redeem affinity credits Simplified setup, usability, and redemption Completely flexible configuration Provide a bank for the unbanked

There are more mobile phones then there are people with bank accounts. With mPayments, operators can provide transaction services to unbanked subscribers. mPayments allows your subscribers to pay bills, purchase goods, and or transfer money. With all our mPayments products you get the same commitment of reliability and end user usability. Key Benefits:

Generate new revenues by being involved in all transactions Retailers and merchants are able to reduce credit card fraud by using mPayments Subscribers can use the very same mechanism that they currently use for eTopUp as they do for mPayments Incorporate with mWallet to create a powerful sticky solution or link directly up to your financial institution

Provide your subscribers with the ability to pay for, order, obtain merchandise and validate tickets from any location and at any time using their mobile phones or other mobile devices. Telepins mobile commerce solution, extends the financial network deep into the mobile network, enabling capabilities only thought to exist in the most developed and advanced markets. Mobile commerce incorporates elements of eTicketing and mPayments whereby reducing the production and distribution costs connected with traditional paper-based ticketing channels and increases your subscriber convenience by providing new and simple ways to transact. Key Benefits:

Increase your revenue by providing accessibility to ticketing services Reduce your ticketing business partners infrastructure costs by utilizing the investment you have currently made in your Cayman Transaction Platform Incorporate available technologies now to build the mobile commerce platform of today not waiting for tomorrows technologies

According to the World Bank, recorded remittances sent home by migrants from developing countries exceeds $300 billion annually. Remittance, a form of mobile payments & person-toperson transfer, provides a mechanism to exchange transactions between mobile subscribers. Whether the mobile subscriber is remitting a taxi fare to their child across the city (domestic) or a migrant worker is remitting their monthly wages to their friends and family abroad (international) via their mobile, the platform delivering the end to end solution must ensure the completion of the transaction with no margin of error. Key Benefits:

Generate new revenues by being involved in all transactions Minimize security concerns, AML, from a platform that provides complete traceability of the end-to-end transaction Understand the complete usage through key KYC interfaces and processes that provide the required visibility needed by all parties

Telepin recharge services provide you with a flexible platform for your subscribers and merchants to recharge their account. Our products plug into your existing infrastructure leveraging the investment youve made in charging systems and value added service delivery platforms. We understand transactions better than any general value added services infrastructure vendor and apply this knowledge to deliver you best in class services with which to launch your mobile payment services. Our Recharge Services Address:

Your subscribers to need to top-up whenever, wherever, and however they wish Your distribution network needs to operate and manage the merchant business The extensible capability to incorporate mobile marketing, and loyalty into the end user service

eTopUp is our premier payment product providing unlimited opportunities for your subscribers to recharge credit to their mobile account. eTopUp can be combined with traditional voucher distribution and management systems or implemented with our Agent Distribution Management system for a complete electronic recharging platform, or deployed independently for subscribers for self-service recharging.

Key Benefits:

Increases ARPU by creating unlimited opportunities to recharge Increases AMPU by reducing operational costs of physical vouchers, thereby minimizing theft and therefore fraud Modular combination with other Telepin products Flexible denominations using pin-less activation

eTopUp has been deployed in a variety of ways including: in-network through an ownership model, hosted via our Cayman Online service offering, service providers that distribute and resell airtime on behalf of the mobile operator, and with operator groups as a roaming recharge solution for roaming prepaid subscribers.

The eVoucher product provides an integrated capability to create and manage electronic vouchers to be used against any service. eVouchers gives the operator completed control over the voucher lifecycle right through to the virtual inventory and Distribution Management system. eVoucher is the most flexible mechanism to keep your subscribers active on the network generating revenue using any denomination and integrating in with several systems, such as Point-Of-Sale, Kiosk, ATM, IVR, and thru your calling card platform. Key Benefits:

Incorporating brand and product marketing with voucher distribution based on several dynamic parameters Fastest prepaid processing systems on the market Multilingual support managed from a centralized environment Support for several POS systems for a complete end-to-end system

Allowing your subscribers to transfer airtime between each other has a net effect to increase your overall revenue and ability to increase your margins. With the Telepin mTransfer product provides your subscribers yet another way to request a recharge or be recharged from friends, family, or their corporate enterprise account. mTransfer is configured for your subscriber, defined by you, controlled by you, ensuring you are provided with the maximum return with minimal abuse.

Key Benefits:

Differentiation for prepaid and postpaid subscribers to share airtime Corporate control through the distribution of airtime from a master postpaid account for Enterprise customers Send-me and I call you provides subscribers with perceived and tangible savings from differentiated calling plans and incrementally adds on the popular Call-me service.

Telepin provides you with the sustainable growth infrastructure solutions that will take your company to an exciting new level of innovation and profitability. We offer you a rich variety of profit generating recharge, mobile financial, and mobile marketing products tied with business level solutions to help you make the critical decisions you need to guide your business. The Cayman platform lets you build new functionality and add new services to keep pace with the market demand, industry trends, and subscriber needs. Our solutions let you effectively meet your business requirements wherever the market goes. Whether you are a leading operator or emerging growth mobile network operator Telepin Software solutions can be adapted to meet with your specific needs to optimize your revenues. The Telepin Software product suite covers every aspect of the mobile transaction ecosystem; from mobile financials products, recharge products, business management solutions, and mobile marketing solutions. Control Your Distribution NetworkWith higher revenue goals and shrinking margins understanding the underpinnings of your distribution is key to your survival. Maximize RevenueMinimizing delay for end-users maximizes your opportunity to generate revenue. Enable Innovative TransactionsThe killer application platform that has arrived. Our products have been deployed in and available to Mobile Network Operators, service providers and acquiring networks, and financial service providers. We provide a flexible licensing model to suit your needs and capabilities. These models include:

Turn-key ownership licensed model Turnkey ownership licensed model and Telepin operational model Operational Model combined with Revenue Shared Managed service Software as a service offer

Mobile Network Opeators need to be competitive with daily market shifts requires informative business systems and solutions that will adapt with the ever changing market requirements. You need to keep your business functioning at peak revenues and performance, regardless of direction. You need to implement cutting-edge technology to provide you with the business intelligence guiding you to run your business, as well as a platform to run most innovative transaction services. Count on Telepin Software Cayman Transaction Platform to stay flexible while leveraging your current investments. Cayman addresses the requirements of mobile transaction processing and establishes an environment to build innovative services. New transaction services plug right into its open architecture with no specialized build-outs required. You can roll out new products and services swiftly. Never disrupt existing infrastructure, and easily test-drive new applications without sweating the future. With Cayman, it is all under your control. All our mobile operator solutions are provided with 99.999% of reliability and fully scalable without the need for a fork-lift upgrades.

Our solutions are not only capable to deliver to the needs of a mobile network operator, but also equally capable deployed in a service provider. Whether you are an acquiring or issuing network, clearing house, or a traditional value added service provider looking to augment your traditional services with mobile financial products & services, Telepin can and has deployed end-to-end solutions that fit the requirements that allow you to continue to focus on your operational excellence.

Financial service providers are also looking to extend their traditional products and service offering to the mobile domain. Our Cayman Transaction Platform has been deployed with a variety of financial interfaces, such as ISO-8583, BASE24, and web-services, ensuring that you receive a solution that satisfies your requirements for compliance and security. Historical events have precipitated a change in the way governments and industry regulators treat money laundering and suspicious financial activity. Financial institutions are the primary target for tightening requirements to deter such criminal activities. Organizations who fail to meet these compliance requirements are facing tough penalties including hefty fines, and cease and desist orders. Telepin ensure we follow the regulatory framework and requirement s needed to ensure you are

provided with the tools to comply to KYC and AML regulatory requirements.

To remain competitive in mobile transactions and depending on your growth and expected traffic projections you may want to entertain a pay per use model by utilizing our system from our secure hosted solution. Our platform is run by our operations group in a secure hosted environment utilizing with redundandant power, connectivity, and adequate scalability. All of our best in class features and modules are available to you on-demand as you require, and are customized and localized per your specification. When you are ready visit a system for ownership we will transition your particular configuration into your network for you to own.