INTERCARD FINANCECompany Pro�le

Inte

rcar

d Fi

nanc

e

About UsPayment and Electronic Money Issuing of Electronic Money and Payment Institution Transactions

Principal Member of MasterCard Member of SWIFTWorldwide, VISA Europe, UnionPay

International and J

Intercard Finance is Payment Institution and As an E-money Issuer and Acquirer, Intercard Electronic Money Institution, licensed under Finance is authorized to issue and acquire payments Payment Services Directive (PSD 2007/64 EC) and E- with e-wallets in EU and EEA countries and perform Money Issuers Directive (2009/110/EC), authorized all kinds of payment transactions worldwide, to provide payment services and e-money in EU and including with or without a payment accounts, EEA countries money transfers, credit cards, prepaid cards and

etc.

As a Member of SWIFT (the Society for Worldwide Interbank Financial Telecommunication), Intercard

As a Principal Member of MasterCard Worldwide, Finance is able to conduct its business operations VISA Europe, UnionPay International and JCB with speed, certainty and confidence with more International, Intercard Finance has a license for than 9,000 banking organizations, securities issuing and acquiring of payment cards bearing the institutions and corporate customers in 209 logos of MasterCard, VISA, UnionPay and JCB, which countries.are accepted at more than 30 million merchant outlets worldwide and 1.4 million ATMs in 210 countries and territories.

2

Miss

ion

3

Our Business Leading issuer of electronic money Acquiring institution, accepting payments,

licensed under the E-money Issuers Directive POS acquiring and e-commerce for merchants in EU and EEA, accepting payments with MasterCard,

Issuing of credit cards, prepaid cards, payment VISA, UnionPay and JCB cards cards, GIFTCARDS bearing the logo of MasterCard, VISA and JCB

MissionIntelligent Solutions

Intercard Finance

We believe that the new generation payment service is interactive, intuitive and delivered in the most flexible and cost-effective way to our clients, regardless of develops as one of the most national borders.innovative, technology driven and competitive e-

money and payment institutions in Europe.We aim at providing our clients with a real alternative to the traditional banking services in Europe.Constantly analyzing client's needs and market trends,

combining highly specialized knowledge with vigorous We apply the highest standards of guarantee, security creativity and energy, we offer to our individual and and professionalism. In compliance with the EU corporate clients throughout Europe a new generation directives our customers’ funds are fully segregated.of e-money and payment services.

• •

•

Our

Con

cept

Our Concept

4

Prepaid Card

e-wallet

Mobile Phone

Mobile Phone

e-walletCash

Bank Account

Debit Cards

Wallet

Past Present Future

Issu

ing

IssuingIntercard Finance AD is licensed for issuing of all types of credit, payment and prepaid cards, accepted worldwide bearing the logo of MasterCard, VISA and JCB:

Credit cards

The intelligent credit card with two separate revolving credit limits. The possibility for customer defined card settings and notifications guarantee highest level of security yet built up around the cardholder's specific needs and requirements.

E-money and reloadable prepaid cards

Reloadable, personalized prepaid card bearing the logo of MasterCard or VISA, used for payments on POS, Internet payments and withdrawals on ATM worldwide.

GiftCards bearing the logo of MasterCard

Designed for various holidays and special occasions, personalized with recipient`s name and a greeting. Redeemable in all store locations where MasterCard is accepted.

www.icard.bg

www.leupay.eu

www.giftcards.eu

5

Cred

it Ca

rds

Credit cardsInnovative Decisions

Intercard Finance, licensed as E-money Issuer The only two co-branded credit cards MasterCard under E-money Directive and Princpal Member of with the largest shopping centers in BulgariaMasterCard, VISA and JCB, has significantly enriched its portfolio of card products. The first and only prepaid gift card (GiftCard) with Amongst the latest are MasterCard Platinum, the logo of MasterCard in EU countries MasterCard World Signia, MasterCard Gold and Classic, MasterCard Business and Fleet Cards, VISA Co-branded Giftcards with the logo of leading Infinite and VPAY, as well as co-branded credit and companies in the worldprepaid cards with more than 100 companies, operating on the European market. The first MasterCard World Signia on the Balkans

market, with top level servicesThe first credit card MasterCard with two

revolving credit limits on the Balkans market Co-branded iCard with Cedar Foundation

The first co-branded MasterCard Platinum credit Co-branded iCard with Easy Credit (financial card in Europe together with the Porsche car dealer institution)

•

•

•

•

• •

• •

6

Gift

Card

s

Gift CardsPrepaid Cards Benefits:

•

Target:•

•

Concept: •

•

•

Over 50 different designs

Suitable for various holidays and special occasionsUniversal and inexpensive gift card - a perfect solution for both private and corporate clients.

Over 7 different packages

Used in all store locations where MasterCard is GiftCard MasterCard is a prepaid card allowing acceptedcardholders to shop at millions of locations - anywhere MasterCard is accepted. Unique opportunity for co-branding the card with Co-branded Corporate GiftCard MasterCard is a company’s logoperfect corporate gift, enhancing corporate loyalty, corporate brand, employees satisfaction and Retail chain co-branded cards offer additional distributors affiliation. discounts on purchases with GiftCard

7

LeuP

ay

LeuPayLeuPay online payment platform is promoted and operated by iPay International Ltd. Intercard Finance AD is the issuer of LeuPay cards.

• Target:• • • •

Concept:

Benefits:

• • • • • •

Loading money is easyPaying on POS, INTERNETCash withdrawals at ATMAll individuals over the age of 18 can get a LeuPay e-Transfer of moneywallet connected to a MasterCard or VISA, issued by Friendly use with LeuPay App for smartphones and Intercard.

tablets

E-wallet used by reloadable prepaid card for multiple use, a low cost solution for everyone to have a card without a bank account.

No bank or payment account neededNo approval neededNo purchase feesNo monthly or annual feeNo activation feeUnique option to have your corporate brand

imprinted on the card

8

LeuP

ost

LeuPay Wallet payment solution is promotedand operated by iPay International Ltd. Intercard Finance AD is the issuer and acquirer of the service.

LeuPay Wallet is a mobile application available for both iOSand Android devices. It enables online and NFC contactless payments (Android only) to be done via a smart phone. The application empowers merchants to integrate a checkout button directly onto their website and instantly receive their profits when a Client confirms an online purchase. Registered users can send and receive money to their family, clients or co-workers, directly from a chat for free. LeuPay Wallet also provides instant payments from a smartphone toany merchant accepting online and contactless transactionsat POS terminals.

Benefits: • • • • • • •

Free e-money account with IBAN TAP and Pay on the go Send and receive money for free Virtual card for online purchases Encrypted and secure messages Different pre-installed emoticons Different cheque designs available

LeuPay Wallet

9

Prem

ioCa

rd

PremioCardPremioCard® provides prepaid cards to companies and Can be used in retail, on the Internet or at ATMsorganizations as an efficient method of distributing payments to employees, affiliates, independent contractors and vendors, located around the world. No embossed name on the card

Lower loading limits Can be pre-ordered Used mainly at ATMs for cash withdrawals. Payments to independent contractors

Commissions Seasonal & Temporary Staffing Rebates Secure Chip and Pin Branded with MasterCard logo Refunds Accepted at ATM and merchants worldwideReward programs for employees, affiliates, Optional card personalization

partners, etc. Easy access to card activity online

Co-Branded prepaid cards Custom cardholder fees Processing Limits can be modified Custom plastic or Logo imprint Custom packaging

Personalized with the name of the Cardholder Higher loading limitsOrder has to contain each cardholder’s details

•

Non-Personalized Payout Cards• • • PremioCard® is suitable for:• •

• Product Features•

• • • • • •

•

PremioCard® co-branding option:• • • • •

Personalized Payout Cards• • •

10

Acqu

iring

AcquiringiCard Acquiring Services are very competitive and fully customized for merchants and payment providers

e-Commerce Solutions

POS Acquiring

Merchant Integration and Support

iCard e-Commerce acquiring and processing solutions provide merchants with customized, web based and overall solutions for online merchants, PSP and IPSP. Merchants can maximize their revenues in a secure, easy to use, web-enabled environment.

Eliminate complicated point of sale setup by choosing iCARD customized POS acquiring solutions and focus on what matters most: increase your revenue and decrease your costs.

Easy integration with iCard system, no need to invest money in hardware or software, personalized web portals, web based statements, timely settlement, access to Card Schemes guidelines, information on fraud prevention, tips on reducing chargebacks, full support from iCard Contact Center and Back-up Office.

11

myP

OS™

myPOS™All-in-One solution for accepting payments and instant access to your money.myPOS™ Package and online payment platform are promoted and operatedby iPay International Ltd. Intercard Finance AD is the issuer and acquirer of the service.

Accelerate your money

One-stop e-money solution that offers fastest and most efficient acceptance of payments, funding and making payouts with no bank account needed.

Instant access to fundsAccept Card Payments on-the-go

Same day Funding

12

myP

OS™

D20

0c

myPOS™ D200cMobile Secure Payment Terminal

Sell more with myPOS™

Accept credit and debit cards wherever your business takes you

On The Go card-present transactions with smart/mag stripe/contactless cards

All you need is Free myPOS™ account and internet connection

Works via Wi-Fi, Bluetooth, SIM card or cable connection

Certified EMV L1&L2, PCI PTS 3.x, EMV Contactless, PayPass and PayWave

High battery capacity to support long operation time

13

•

•

•

•

•

Wireless Secure Payment Terminal

Sell more with myPOS™

Take your point of sale to your customers

On The Go card-present transactions with smart/mag stripe/contactless cards

All you need is Free myPOS™ account and internet connection

Works via Wi-Fi, Bluetooth, SIM card or cable connection

Certified EMV L1&L2, PCI PTS 3.x, EMV Contactless, PayPass and payWave

High battery capacity to support long operation time

High-speed thermal printer

•

•

•

•

•

•

myPOS™ D210c

myP

OS™

D21

0c

myP

OS™

S92

0

Wireless Secure Payment Terminal

Sell more with myPOS™

Take your point of sale to your customers

On The Go card-present transactions with smart/mag stripe/contactless cards

All you need is Free myPOS™ account and internet connection

Works via Wi-Fi, Bluetooth, SIM card or cable connection

Certified EMV L1&L2, PCI PTS 3.x, EMV Contactless, PayPass and payWave

High battery capacity to support long operation time

High-speed thermal printer

•

•

•

•

•

•

myPOS™ S920

myP

OS™

Virt

ual

myPOS™ VirtualWhat is myPOS™ Virtual? Affordable and Transparent Pricing

Easy Setup

Designed for ConvenienceThe Benefits

Instant ettlement

We provide our customers with clear and transparent myPOS™ virtual checkout is a complete virtual POS conditions. You're not obliged to pay a recurring fee solution designed to enrich and simplify online such as a monthly fee, neither have you a setup cost or payment experience. Our service enables eCommerce a termination fee.merchants to instantly receive revenues generated by cards. By using myPOS™ you have immediate access to your money in multiple currencies, without the need With just few clicks your myPOS™ Virtual terminal is of a bank account. Additionally, all the cardholder data deployed and ready to use. Simply sign up, wait for is processed securely through myPOS™ system, nothing confirmation and activate your virtual POS from your stays on your website. Thus the risk of a potential data account page.breach is significantly reduced.

Whether you have just started your business or simply want to increase your customer reach, myPOS™ has been designed with convenience in mind. Access and manage your account from anywhere, set different myPOS™ lets you have your money immediately. You access levels, depending on the structure of your don't need to wait before revenues incurred by card business and your employees' privileges.payments are being processed and funded into your

myPOS™ business account. It's all done simultaneously.

6

INTERCAPITAL HOLDING AD

tel. +359 888 29 33 30

tel. +359 2 806 59 00