Mobile Payment System

SENDY – the only Payment System in Russia for performing transactionsusing a smartphone (payments / transfers), based on QR-code technology.

Operator of the Payment system: LLC "Digital Payment ”, Licensed by theCentral Bank of Russia (No. 0035) since September 30, 2014.

Settlement Bank: “SKS Bank” LLC, first rated private and commercial bank(MKB Group) General Banking License (No. 3224) dated July 9, 2014.

Fin. Te c h company focused on providing innovative services and solutions.

Represented in the EU: "Digital Payment s.r.o." (ICO 01868501), PaymentInstitution License, issued by the Czech National Bank on May 11, 2017.

BACKGROUND ABOUT US

• Unlike traditional banks, our main Business is development of QR-based financialservices (money transfers, payments, acquiring, etc…)

• We also offer fin. Te c h solutions and are developing our own lifestyle services –marketplace, messenger functions, pass-through identification system Open ID

• The strongest and most stable technical solutions

• Integration with most cash register vendors

• Central Bank of Russia support – acknowledged SENDY as ‘Nationally SignificantPayment System’. The corresponding entry was made to the register of paymentsystem operators on the 2nd of April 2018.

• High Liquidity – merchant settlement strictly on the next working day (T+1) with nodelays

• Payment scenario is identical to Asian/Chinese QR-code based payment systems –online / offline payments + P2P transfers

• Large Area and Merchant Coverage across Russia (variety of industries in many cities)– more than 80% market coverage

OUR COMPANY STRENGTHS

19

45586

23

175112

30216

13

21

17

11

13

16

29

9

15

27

18

19

18

1216

11

14

46

13

24

19

17

26 18

16 17

32

45

15

56

23

23

19

5975

48

1323

20

36

20

34

2115

23

10

18 Market presence in 3/4 out of all regionsacross Russia – accomplished within 2years.such as

HighestMoscow

coverage of main cities,and St. Petersburg.

MERCHANT COVERAGE ACROSS RUSSIA

Industry Number of

Merchantson-board

11

Key Merchants Merchants in progress (signing agreement

stage)

Beauty & Cosmetics Golden Apple / Sephora / Ile de(3500 stores) Beaute / Rive Gauche

L’e t o i l e / MAC / Body Shop / Natura Siberica /Erborian / Jo Malone

Department Stores 3(1900 stores)

TSUM / GUM / DLT Europeiski Mall / Crocus City Mall (we haveagreed with the owners of those malls to getall the Merchants o board – more than 2000merchants, who will get WeChat Pay on boardin all their other locations across Russia)

Fashion 40(2100 stores)

Rendez-Vous / Furla / TJ Collection /Samsonite / TUMI / JAMIL.CO (NewBalance, Salvatore Ferragamo)

Victoria’s Secret / UNIQLO / United Colors ofBenetton / US Polo

Luxury Segment 50(800 stores)

Mercury Group (Gucci, Armani,Balenciaga, Burberry / Chopard /Dolce Gabbana / Hublot / Lanvin /Va l e n t i n o / TO D ’s )

DIOR / Chanel / Louis Vuitton

INDUSTRIES & MERCHANTS

Industry Number of

Merchants

on-board

Key Merchants Merchants in progress (signing agreement

stage)

DUTY FREE 3 companies(2000 stores)

DUFRY / Reg Staer / Travel Retail Heinemann

Entertainment 8(150 stores)

Panorama 360 / Multicket Russian Circus / Bolshoi Theatre / ZaradiyePark / Park Kulturiy / Moscow Boat trips

Supermarket Chains &

Pharmacies5

(1600 stores)Azbuka Vkusa / Daily Food / Magnolia/ Bakhetle / Supermarket July

Diksi / Lenta / Vkus Ville / Aushan / X5 RetailGroup (Perekryostok, Petyorochka, Karusel) /36.6 (hugest pharmacy chain) / Gorzdrav (bigpharmacy chain)

Restaurants (F&B) 35(350 points)

Chinese News / Kimchi / Druzhba /Grabli

NOVIKOV Group / GINZA Project Group /White Rabbit / Mu-mu / Coffeemania /Starbucks

Fast Food KFC / Burger King / McDonalds / Shake Shack

INDUSTRIES & MERCHANTS

Industry Number of

Merchantson-board

5(500 points)

Key Merchants Merchants in progress (signing agreement

stage)

Hotels Cosmus Group / Brosco / Aerosleep Radisson / Raffles / Azimut / Korston / ArtMoscow / Vega Hotel

Government Services

(Taxes / Bills)www.gosuslugi.ru (aggregator of social billpayments) / Russian Mail

Tra n s p o r t ( A i r l i n e s /

Railway Services / Taxi

/ Metro)

Outlets

3(800 points)

Ural Airlines / S7 Airlines / RussianRailway Services

Aeroflot / Aurora / Russian Metro / Taxi

1(200 stores)

VNUKOVO Outlet Village Pulkovo Outlet / Belaya Dacha Outlet

Jewelry & Souvenir

Shops64

(1100 stores)Soyuz Jewelry / Estet / Amber / Bazar /Ya n t a r Russia / De Beers

Pandora / Swarovski / Sunlight / Swatch Group

INDUSTRIES & MERCHANTS

* Integration with the main large chain merchants is in process. By the end of the secondquarter of 2020, we plan to have 400 000 on board!

SENDY – PROVIDERS OF WECHAT PAY AND ALIPAYIN RUSSIA

SENDY – PROVIDERS OF WECHAT PAY AND ALIPAYIN RUSSIA

SENDY – PROVIDERS OF WECHAT PAY AND ALIPAYIN RUSSIA

Services catalog

Payment for TV, utilities,internet, phone

Instant cross-border

money transferswithout commission

Bank accounts and

loyalty cards in one

application

Payment via QR-code

Offline and onlineCash withdrawal through QR-code

E-commerce

Online store, couponsand bonuses

Bank transfers

By phone / accountnumber and requisites

SENDY’S LOCAL RUSSIAN WALLET

Direction 1:

Chinese direction. Acquiring business (currently for WeChat Pay, AliPay) +potential for future emission of WeChat wallets for Russian users.

Direction 2:

SENDY as a national e-wallet and mobile app. for local Russian citizens (B2C)

Direction 3:

Fin. Te c h services and solutions (B2B)

Direction 4:

Provide a high quality service for all tourists, by giving them the opportunityto pay in Russia, using their preferred local payment method (i.e. their ownlocal e-wallet)

Direction 5:

Europe expansion - Launching our Payment System TESLA Pay and servicingChinese tourists in the Czech Republic.

SENDY’S STRATEGY

SENDY WALLET WITHIN WECHAT

• Integration of Sendy wallet into WeChat forRussian users.

• Allowing Russian users to use WeChat not only asa messenger, but as a payment tool too.

• Sendy will become part of the WeChatecosystem/platform, providing Russian users

with a bridge between lifestyle services andpayment opportunities.

• In future – opportunity for Russian users to makepayments in China + opens the door for Sendy toWeChat wallet money transfers.

• Represented in the EU: "Digital Payment s.r.o."

(ICO 01868501), Payment Institution License,issued by the Czech National Bank on May 11,2017.

• Operators of WeChat Pay and Alipay in the CzechRepublic

• TESLA Pay as a QR-based payment system forlocal Czech users

• Joining EMPSA (EuropeanSystems Association)

Mobile Payment

OUR PROJECT IN EUROPE – TESLA PAY

EMPSA ASSOCIATION

European Wallets:- Bancontact Payconiq

(Belgium)- Bluecode (Germany,

Austria)- MobilePay (Denmark,

Finland)SIBS (Portugal)Swish (Sweden)TWINT (Switzerland)VIPPS (Norway)

----

(more wallets to join)

Asian Wallets:----------

AliPay ChinaAliPay HKKakao Pay (Korea)Pay TM (India)Easypalsa (Pakistan)Touch n’ Go (Malaysia)GCash (Philippines)Tr u e M o n e y (Thailand)

Dana (Indonesia)bKash (Bangladesh)

Other Payment Systems

CONCLUSION

Thank you for your Attention!