General Presentation

Final Version 2.2

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Onebip enables merchants to seamlessly monetize digital goods and services to their users on a global scale. Our service provides users with a simple, secure and fast way of paying for their purchases via mobile without the need of a credit card or bank account. Our deep integration with carriers and expertise in mobile billing systems enables our partners to experience the next generation of mobile payments in just one click. Onebip offers its partners the best user experience and the most advanced billing technology. We started in 2005 as the first mobile payment service in the world. Today, Onebip is the mobile payment service of global mobile commerce group, Neomobile.

3 ONEBIP | GENERAL PRESENTATION

ONEBIP IS PART OF NEOMOBILE

Neomobile is a global Mobile Commerce Group.

Today Neomobile is a global mobile monitizer that offers digital companies a compelling consumer product suite. The company provides a boost to the new generation of mobile app networks for

smartphones and enables mobile monetization via carrier billing.

Neomobile offers and markets a broad digital content suite (e.g. downloadable apps) in HTML5 technology that can be easily accessible and paid for with just one-click.

The company has 300 professionals in mobile payment, content and technology working in 14 offices

worldwide.

TOP MANAGEMENT

Gianluca D’Agostino | Chief Executive Officer Claudio Rossi | Chief Operating Officer Alessandro Leone | Chief Financial Officer

SHAREHOLDERS

MPS Venture Sgr (40%) BlueGem Capital Partners LLC (46%)

Neomobile management (14%)

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LOCAL OFFICES: ITALY - Rome & Milan | UK - London | FRANCE - Paris | SPAIN - Reus & Madrid | GERMANY - Köln | SERBIA - Belgrade

TURKEY - Istanbul | USA - San Francisco | MEXICO - Mexico City | COLOMBIA - Bogota | BRAZIL - Sᾶo Paulo | INDIA - Mumbai

MARKET COVERAGE 70+ countries LOCAL OFFICES

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9.4 trillion SMS text messages expected

to be sent in 2016

6 billion mobile phone

subscribers globally

1 billion smartphones shipped

worldwide in 2013

29% of adults now have a tablet

or a e-reader devices

300 billion apps will be downloaded

annually by 2016

86% global mobile penetration

By 2016 tablet market to hit over

377 million units

1 bln

Onebip is available to over 5 billion users connected to 250+ carriers in over 70

countries.

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• 893 million mobile payment users expected in 2015 worldwide

• Global Mobile Payments transactions to rise to US$945 billion in 2015 (CAGR of 98.4%)

• Direct carrier billing offers US$13 billion revenue opportunity by

2017

Rapid growth in Mobile Payments due to strong adoption worldwide

“ “

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Mobile is a strong alternative to other payment channels.

Carrier billing allows merchants to charge goods and services direct to the user’s phone bill. It is a suitable payment solution for digital goods and services.

Thanks to carrier billing merchants can monetise their products and boost sales. Onebip is a pure mobile carrier billing payment provider that delivers the best user experience and the most advanced billing technology optimised to maximize merchant revenue.

Today, many online gaming, dating, social networking, media and software sites use mobile payments to monetize their products.

An alternative to other payment methods

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User buys credit for EUR 1.00

(gross revenue)

Biller cost 25 cents

(i.e. carrier)

Merchant receives 70 cents

Onebip commission 5 cents

Notes: All numbers are approximate as the merchant share can vary dependent on the carrier and market (between 50% - 90%). Taxes have been removed for simplicity.

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500+ Merchants Onebip 250 Mobile Operators 5 billion Mobile Users

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We take care of all the carrier billing complexities:

Carrier management & service approvals | Payment process localization

Global transaction processing and reporting | Compliance with operator rules & tech requirements | Knowledge of local regulations and taxes | Price point availability

Payment flows | Billing technology | Simplifying integration process

Conversion optimization | Customer care service

We have direct connections with carriers that ensure

better economic conditions, service transparency and

reliability for our partners.

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Onebip One-click Mobile browser and In-app payment flow

User makes a purchase with just one click

User/Merchant Notified of successful transaction

Fast Authentication and Transaction process

Onebip automatically recognizes the user’s mobile number

(MSISDN) in seconds

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PIN code Web browser payment flow

User inserts mobile phone number

and clicks continue

User receives a PIN code via SMS and inserts it to

authorize the payment

Payment process completed User receives an SMS with transaction details and is

redirected to the merchant to redeem purchase

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Onebip’s Android SDK allows app users to purchase goods and services and charge it to their mobile phones from inside a merchant’s Android application

Onebip’s SDK is compatible with different technologies and is capable of recognizing the user’s phone number, processing the authentication and enabling the payment in just one click

One click payments optimized for mobile networks and WIFI

Available for one-time and subscription payments

Benefits of Onebip Android SDK

- Small file size

- Integration is just a few lines

- Auto-update T&C’s and slugs

Onebip In-app billing for Android

We offer partners continuous marketing and technical support to help

boost revenue and performance.

We provide advice on how to

design the most remunerative services &

business models.

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Easy and fast user payment flow

Secure and reliable

Reach new customer segments

Unbanked and younger segments, emerging markets and users who don’t want to use credit or debit cards

Achieve increased payment conversion with a simple payment flow and wider reach

Maximize your revenues

Monetize your site with an optimized mobile payments solution. Mobile payments brings incremental revenues and does not cannibalize sales from other payment methods

Integrate the most advanced billing technologies and offer your customers the best user experience

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Premium SMS Billing Purchases are made

by means of Premium SMS sent or received (MT/MO) where the payment will be

charged to the user’s mobile monthly mobile bill or deducted from his/her

available prepaid credit. One-click payments are available for

MT PSMS.

ISP Billing IP address recognition

enables users to purchase goods and products online via fixed or WiFi broadband and be charged directly to their DSL or fixed line bill. One-click payments are available for ISP Billing.

Mobile Direct Billing Purchases are charged

directly to the user’s mobile monthly bill or prepaid credit

through a direct connection to the operator’s billing system.

No SMS messages are required. One-click payments are

available for Mobile Direct Billing.

We select the best performing payment flows for the market,

negotiate policy ‘exceptions’ with carriers,

ensure fast service approvals and provide

support in fiscal optimization.

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Experience of managing recurring payments for subscription services since 2005. A recurring payment model allows merchants to charge subscribed users for a service or product on a periodic basis (weekly/monthly) Our smart billing system ensures the best billing optimization methods are used to activate and renew a merchant’s subscription service. Onebip supports merchants with Subscription management, Customer acquisition, Reporting and Control, Integration support, Customer care, Optimised billing technology, Marketing consulting, Localisation and Translation and Creativity and Design support.

Onebip Recurring Payments for subscription services

One-time payments allows merchants to charge users for one-off purchases with a single transaction. This is mainly used for free-to-play products that are purchased immediately.

Onebip One-time Payments

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ITALY Direct

connection Direct carrier

relations Mobile direct

billing High price points Subscription

TURKEY Direct connection Direct carrier relations Mobile direct billing High payouts, price

points Subscription ISP billing

FRANCE Direct connection Direct carrier

relations Mobile direct billing High payouts High price points Incentive programs ISP billing - One-click Subscription

MEXICO Direct connection Direct carrier

relations Highest payouts Subscription

BRAZIL Direct connection Direct carrier relations Mobile direct billing Subscription soon!

SPAIN Direct connection Direct carrier

relations Mobile direct

billing Special payout

conditions Highest price points Subscription

MARKET COVERAGE 70+ countries

Market leaders in Southern Europe and Latin America

We manage complex issues for our partners so that they can get on with

their core business including regulatory compliance,

marketing services, pricing structures, payment models,

operator approvals and fiscal management.

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Onebip Web and Mobile Hosted Solution

Device Native Solution

Onebip Server to Server Solution

Cross Platform Front-end Integration

One API for Web and Mobile

Browser payments.

Onebip detects the device and connection (mobile/DSL/WiFi) used and offers the best user experience

Android SDK Integration

A small footprint library enables one click

payments from any Android application and

unleashes a new revenue stream

Cross Platform Server to Server (S2S) Integration

Deep customization of user experience, unleash the full Onebip potential to trusted

partners using a server to server integration

Onebip can recognize and authenticate users for the partner and manage recurring payments

Onebip enables multi-platform mobile payments which can be used on

websites, mobile sites and within native Android and Windows applications “

“

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The most advanced technologies: RESTful API, RDBMS in conjunction with NoSQL database for the management of Big Data. Most up-to-date methodologies: Continuous Integration, Continuous Deployment, Test Driven Development (TDD) with Unit Test and Integration Test, Behaviour Driven Design (BDD), Browser Based Test both for web and mobile. System uptime > 99.9% in the last 3 years due to Cloud computing, autoscaling provisioning system based on Puppet and AWS, geographical mirroring based on AWS multiple availability zones. Continuous monitoring with NewRelic for application responsiveness, DataDog for application layer data monitoring, forecasting predictions based on Holt-Winter method.

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Onebip mobile payments is a service that can be implemented by merchants in just a few minutes. Technical integration is conducted with a very simple HTTP request, either a GET or POST, which indicates all the parameters that are useful for payments and self-provisioning:

Onebip processes the purchase flow and redirects the customer back to a ‘Thank you’ page. At the same time, REST notifications (server to server) are performed for each event occurring at the back end, with detailed information about billing transactions and service activation. Requests to the Onebip payment page, redirects to merchants and notifications are all signed with a SHA256 hash to prevent tampering.

http://www.onebip.com/api/purchases?command=express_pay&username=

business@webgame.com&Description=1000+game+credits&price=99&country=

US&currency=USD&return_url=http://www.merchant.com/thankyou.htm&

notify_url=http://www.webgame.com/notify.php

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Onebip’s reporting tool is available online for registered merchants to access transactional and account information. Real-time updates for all payment transactions associated with a merchant’s one-time and subscription service is available. Merchants have access to transaction status information, order details, statistics filtered by day, month, country or item and account payment and invoice information. The Onebip Back-office service allows merchants to retrieve exhaustive and asynchronous information including transaction data, transaction statistics and subscription customer base status.

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Development of new and innovative product features

Skinnability customizable look & feel of the payment page

Notification service receive and review real-time notifications of billing events, updates and reports

Unsubscription service change the status of any subscription service from active to inactive at any time

Back office service retrieve exhaustive and asynchronous information

Security signature feature use a signature process inside the HTTP request to authenticate payments

Blacklist service blacklist one or more MSISDN’s or a Onebip user

We offer partners business and technical services that can help further increase

sales including localization and translation, creativity

and design, advertising and marketing consulting and

customer care.

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EXPERT ADVICE AND SUPPORT We offer partners continuous marketing and technical support to help boost revenue and performance. We provide advice on how to design the most remunerative services & business models.

OUR GLOBAL REACH Onebip is available to over 5 billion users connected to 250+ carriers in over 70 countries.

DIRECT CARRIER CONNECTIONS We have direct connections with carriers that ensure better economic conditions, service transparency and reliability for our partners.

LOCAL KNOW-HOW AND CARRIER RELATIONSHIPS We select the best performing payment flows for the market, negotiate policy ‘exceptions’ with carriers, ensure fast service approvals and provide support in fiscal optimization.

MANAGE COMPLEXITY We manage complex issues for our partners so that they can get on with their core business i.e. regulatory compliance, marketing services, pricing structures, payment models, operator approvals and fiscal management.

ADDITIONAL SERVICES We offer partners business and technical services that can help further increase sales including localization and translation, creativity and design, advertising and marketing consulting and customer care.

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partner.relations@onebip.com

www.onebip.com

www.youtube.com/OnebipbyNeomobile

@Onebip

www.linkedin.com/company/onebip