Mobile Financial solutions Mobile messaging Mobile banking Transactions

Mobile Financial solutions Mobile messaging, Mobile banking Transactions November 2011 / Infobip www. infobip. com 1

Mobile Financial solutions Mobile Messaging, Mobile Banking Transactions Elvino Krizmanic Sales Manager / Banking Specialist 2 November-2011 / Infobip confidential

INFOBIP CONFIDENTIAL Contents Future of SMS Company profile Infobip The architecture Solution overview and implementation USSD Conclusion Questions Technical overview and business proposal: 1 For www. infobip. com

INFOBIP CONFIDENTIAL Future of Mobile Banking User (Worldwide)* User in million 1000 900 800 CAGR = +59. 2 % 700 (compound annual growth rate) 600 500 400 300 200 100 0 2009 2010 2011 2012 2013 2014 2015 * Berg Insight 2 www. infobip. com

INFOBIP CONFIDENTIAL Company profile Infobip is a global telecommunications specialist providing a mobile services cloud for enterprise and mobile network operators Providing tailor-made messaging services to various clients Infobip implements FIRST standards: FLEXIBILITY + INNOVATION + RELIABILITY + SECURITY + TELECOM Associate Member Connected to 800+ network operators Coverage in 160+ countries 3 www. infobip. com

Global Presence – 15+ offices across four continents – Attending over 20 exhibitions and conferences worldwide in 2011 4 www. infobip. com INFOBIP CONFIDENTIAL

Today Ø Over 35, 000 clients Ø 105 +MNO partners Ø 40 # Implementation in Financial institutions Ø 4, 5 billion billed transaction (SMS&HLR) in 2011 Q 1 -Q 3 Ø Opened five new offices in 2011 Ø Exhibited at five major events worldwide

Clients www. infobip. com 8

INFOBIP CONFIDENTIAL Infobip m. Gate Modular approach with three dedicated modules: m. Gate Manager – IT specialist module for professional connectivity m. Gate Communicator – messaging application with advanced features: P 2 -way messaging P HLR for database clearing P Content and contact management m. Gate Reports – online traffic and expense tracking tool www. infobip. com

INFOBIP CONFIDENTIAL Infobip m. Gate architecture Installation can be done on a Virtual Machine (Hyper V, VMware), Physical server or Hosted at Infobip P www. infobip. com

INFOBIP CONFIDENTIAL m. Gate overview - implementation Comprehensive messaging platform, easily deployed in any system In case of any pre-existing system, easy integration into our own (DB Polling, HTTP GET, HTTP XMP, SMPP) Detailed monitoring and management tools for complete SMS traffic visibility Specially designed to provide absolute security www. infobip. com

Infobip Mobile Services Cloud USSD

What is USSD? ü Unstructured supplementary service data is an interactive data service based on the global system for mobile communications (GSM) ü USSD allows users to fetch information by interacting with the service ü Using the existing GSM network as a transparent communication channel

What is USSD? *444# 1 Application

Why USSD? • All existing GSM infrastructure supports USSD messages • Simple • Secure • Session oriented • Transparent • Customer friendly

Usage ü Mobile banking -Balance check -Prepaid GSM Top-Up -Utility Bill Payments -Exchange Rate ü Additional Security – USSD as a second factor authentication, USSD as a notification channel www. infobip. com Jan-22 / INFOBIP CONFIDENTIAL

Benefits • Support any handset without any additinal software installation • Menu creation environment • Supported by existing GSM infrastructure • Session oriented, fast and interactive • Flexible integration into existing systems

USSD service initiation Network initiated • Web trigger • Mobile trigger (SMS & dummy call) Mobile initiated • USSD shortcode *123#

Make your content mobile through USSD menu services

Why Infobip USSD GW? • • Easy to integrate Reliable Secure Billing capabilities Global coverage Menu creation environment Minimum human resources from the bank

Thank you! Elvino Krizmanić dipl. oec Banking Specialist/Sales Manager M: +385 99 80 81 961 E: elvino. krizmanic@infobip. com End of presentation. For more info on our products and services, visit our website or request info via mail info@infobip. com. November 2011