Private and ConfidentialCompany Presentation

May 2014

2

COMPANY OVERVIEW

• Checkout.com is a global online FinTech company and fully integrated acquirer, providing payment processing and acquiring services for internet-

based debit / credit card transactions as well as real-time banking transfers. The Company also provides advanced payment technology, data

encryption & risk management solutions to online merchants

• Checkout’s UK entity (Checkout Ltd) is a full fledged European acquirer through its principal membership of VISA Europe & MasterCard

• Checkout’s UK entity (Checkout Ltd) is authorized as a Payment Institution license by the UK Financial Conduct Authority (FCA) with full

passporting rights across the SEPA region (license # 584615)

• A series of 20+ local payments methods are currently available. On going developments with target of an additional 30 new means of payment on

the Checkout.com platform by the end of 2014 (for 50+ total)

• Checkout’s dedicated Relationship Managers and specialist customer support team are available to all merchants on a 24/7/365 basis, across

multiple locations, to ensure complete customer satisfaction

• The Company’s proprietary payment gateway provides an intuitive and transparent user interface, cutting-edge risk management modules, unique

dispute management systems and multiple integration methods.

Checkout.com in brief

The traditional

Model Up to 5

parties involved

to serve the

merchant

The difference

with Checkout

Only 1 provider

fully accountable

Merchant

Merchant

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PAYMENT SOLUTION

Checkout.com offers universal acceptance of all global Schemes in 245 countries

and process in 155 currencies

North America

5 Countries

4 Currencies

Europe

58 Countries

29 Currencies

Latin and Central America

52 Countries

34 Currencies

Middle East and Africa

73 Countries

60 Currencies

Asia Pacific

57 Countries

37 Currencies

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PAYMENT SOLUTION

Checkout.com offers access to leading Local payments solutions

in Europe, APAC, Latin America and CEMEA

APAC 9 Local Payments

North America 2 Local Payments

EU and Russia 18 Local Payments

Middle East and Africa 4 Local Payments

Central and South America 15 Local Payments

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PAYMENT SOLUTION

Checkout offers merchants technology enhanced value adding services

Merchants

Comprehensive Integration Solutions

Shopping cart plugins •

Hosted payment page, iFrame, full API •& client server based encryption

Merchant specific code customization •

Optimized billing/acquiring solutions

Tokenization & recurring billing •

Multiple bank cascading •

Merchant specific code customization •

Industry specific tools e.g. crowd funding, forex trading platforms •

Advanced Merchant Dashboard

• Consolidated reporting

• Live access and full portability of currentand historical transaction

• Transaction refunds & chargeback representment

Customizable Risk Platform

• Rules-based risk filters linked to industry optimized fraud profiles

• Blacklist/Whitelist logic

• Delayed capture with instant review notification system

• Real-time transaction risk scoring

6

MERCHANT SERVICES

A merchant-focused service model,

with a dedicated relationship manager & teams of specialists

Dedicated Relationship Manager acting as the first point of contact

for large merchant and coordinating and managing within Checkout

to ensure world-class responsiveness and service

•

• Three Specialist Teams working hand in hand with

the Relationship Managers and also directly available

to merchant's operations teams

- Customer Finance Support Team,

for merchant accounting & settlement questions

- Customer Risk Support Team, for risk & fraud issues,

e.g. optimisation of risk settings for customer accounts

- Customer IT Support Team, for IT/Gateway questions

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COMPANY OVERVIEW

A network of solid partnerships supports daily operations,

compliance & risk management

Compliance advisor

& auditorTechnology provider

Merchant risk &

compliance monitoring

services

Authentication &

security service provider

Merchant risk &

compliance monitoring

services

Server hosting provider

PCI compliance auditor Digital Marketing Agency

Financial auditor

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COMPANY OVERVIEW

…via a network of local Sales and merchant support offices

London

- Senior management, business

and product development, group support functions

- Principal Membership V/MC

Dubai (Sales/Local Acquiring)

- Sales development and merchant relationship

management, local merchant support - MENA

Mauritius (Ops, Technology)

- Merchant support, ops finance, fraud support,

technology development

Singapore (Sales/Local acquiring)

- Sales development and merchant

relationship management, local merchant

support – APAC

Checkout Acquiring Bank

Acquiring Bank Partner

Checkout Office

India (Sales/Local acquiring)

- Sales development and merchant

relationship management, local merchant

support – APAC

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CHECKOUT IN NUMBERS

Acquiring technology can support 500 transactions per second. Technology has been tested for

60M+ transaction per month.

Year on Year revenue has exceeded 100% growth for 4 consecutive years

Currently processing for 2 publicly listed e-commerce retailers (NYSE and SEHK) and 2 merchants with

Alexa ranking <100

Short listed by the Reserve Bank of India (central bank) to become first foreign regulated Payment

Institution to operate in India under the OPGSP guidelines (with Barclays Plc sponsorship)

500tx

100%

<100

1st

250+ active merchants and 2’000'000 e-commerce transactions per month250+

81 Employees as of May1st 2014 and 5 offices (London, Singapore, Dubai, India and Mauritius)81

Important facts about Checkout.com

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COMPANY OVERVIEW

Over the last 4 years, the Company has developed a series acquiring partnerships and

an international footprint…

2014

2013

2012

2011

2010

Founding of Opus Payment by Guillaume Pousaz,

with two offices in both Singapore and Mauritius

Acquiring relationship established

with 2nd European Bank

Checkout Group Ltd created

Gateway services integrated

with Leading Chinese Bank

Checkout Ltd London office opened

Checkout gateway services

launched for third-party customers

Global partnership signed

with ChinaPay for CUP acquiring

New global brand Checkout.com introduced

to cover all services provided by the Group

VISA, MasterCard granted principal membership

Checkout Dubai office opened (end of 2013)Checkout Mumbai office opened (early 2014)

Acquiring relationship established with

2 CEMEA Banks and 1 European Bank

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CONTACTS

How to contact Checkout.com

Europe

London (Headquarters)

32 Wigmore Street,

London W1U 2RP

United Kingdom

Tel. +44 207 323 3888

Fax. +44 207 323 3889

APAC

Singapore

8 Eu Tong Sen

Street

The Central #24-84

Singapore 059817

Tel. +65 622 11664

Fax. +65 622 11663

CEMEA

Mauritius

Level10, NextEracom

Tower 1

CyberCity, Ebene

Mauritius

Tel. +230 467 1430

Fax. +230 466 8260

MENA

United Arab Emirates

2509 Shatha Tower

Dubai Internet City,

Dubai, UAE

Tel. +971 55 418 4266

India

702 Konark Akruti,

Devidayal Road,

Mulund (w),

Mumbai 400080

Tel. +91 7738 047 7766