P2P Cash investor presentation 9-1

Copyright 20010P2P Cash, INC. All rights reservedⓒ

The “VISA” of Mobile Banking

Strategic Business Overview

RETAILER SERVICES

Money TransferInitiation Disbursement

POS Payment ProcessingCredit CardDebit CardP2P Cash

Internet PurchasesIndependentCustomer Driven

ATM Disbursement

P2P Cash Funding

3 Billion Mobile Phone Users have NO Access to Traditional Financial Services

Both Banks and Wireless Carriers are Pursuing Immense International Market

P2P Cash TAN -ZERO COST Patent Pending Method to Service Any Bank/Carrier

TAN- Trusted Agent Network- Turns Corner Retailer into Corner Banker

FREE Cellphone Software to Retailer/Agent

Turns Cellphone into Combination ATM/POS/Western Union Terminal Enabling:

•Micro-Loans/Insurance

•Utility Bill Payment04/12/23 Slide 2

P2P Cash Overview

Privileged and Confidential

• 3 Billion Cellphone Users are Un-Banked– Inefficient Cash ONLY Economies

• Micro-Finance and Cash Transfer– Lack Efficient Electronic Networks– Extremely Fragmented- NO Standards– No Economies of Scale

• Consumer Suffers– Pays Too Much for Inefficient Services

Worldwide Problem-NO Financial Services

04/12/23 Slide 3Privileged and Confidential

FREE Trusted Agent Network (TAN) Software Enables Retailers to:

• Issue/Accept Cash like an ATM machine • Process a Credit/Debit Card Transaction (POS) • Accept Payment of Consumer Utility Bills• Cash Transfers: International or Domestic• Micro-Finance Loans and Repayments• Micro-Insurance Policies• Service Any Bank/Any Carrier Mobile Wallet

Solution- FREE TAN Software


04/12/23 Slide 5

TAN Software Replaces Expensive Devices

TAN Agent Software Replaces ATM/POS/Western Union Terminal- All Expensive and Require Landline


Any Retailer Becomes a Micro-Banker

04/12/23 6

Any Retailer Can Make Micro-Loan or Sell Micro-Insurance


Any Retailer Becomes a Micro-Banker

04/12/23 7

Any Retailer Can Accept Any Loan, Utility or Insurance Bill Payment


Entire Financial Services Value Chain Benefits:• Customers

– Dramatically Lower Financial Service Costs– More Convenience: Banking on every Street Corner

• Banks/Carriers/Insurance Agents– Lower Costs, Lower Risks, More Distribution

• Retailers

– New Revenue Sources- Micro-Finance, Money Transfer, ATM/POS Fees, Micro-Insurance

TAN Standards Benefit Everyone

04/12/23 8Privileged and Confidential

TAN Aggregates Retailers to Serve ANY Customer

Google/Amazon Clouds

P2P Cash Atlanta Data

Center

Any Bank MWallet

•TAN Retailer Services Any Bank/Carrier’s Customer mWallet•Real-Time Redundancy and Backup Via Google/Amazon “Clouds”•World Class Security VPN Monitors All Transactions in Real Time

Any Carrier mWallet

Any Retailer


P2P Cash Technology

04/12/23 10

Western Union

Gateway

ACH/SWIFT Gateway

P2P Cash Mobile Gateway

WesternUnion

WesternUnion Any BankAny Bank

P2P HubP2P Hub

oooooo

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Consumer


$ TAN Agent

1950 Diners Club

Forms

04/12/23 11

VISA: Financial Services Aggregation Works*

1970VISA Forms

2010Market

Share Today

*Relative Worldwide Market Size and Share Represented by Circle Size


VISA Banks Forced Retailer Aggregation

04/12/23 Privileged and Confidential 12

Sears

WalMart

Consumer Demand for Convenient Credit Forced Retailers’ Acceptance of VISA,

NOT Profit!*

*US Retailers Pay $ Billions Annually to Banks (3% Interchange Fees)

Banks Retailers

• TAN Aggregates Both Retailers and $ Providers– Cost Effective Distribution to Financial Servicers – AND Financial Incentives to Retailers as TAN Agents

• Same Aggregation Model as VISA, BUT with Profit Incentive to Retailers, NOT Cost

• Cash Transfers/Micro-Loans Drive Consumers into the Retailers’ Store via Cell Text Messages:– “You’ve Got Cash!”– “Get Cash at Your Local TAN Agent”

• Retailer LOOKS like a Bank to the Consumer– World Bank Branchless Banking Concept

TAN Aggregates Agents AND Service Providers


How TAN Aggregates Retailers/$ Providers*


$ Providers TAN Agents

World Bank

“You’ve Got Cash!”

*Note: There is NO COST to Either the TAN Agent or Financial Service Provider to Participate in the TAN Network

• Aggregate Distribution in Target BRIC+ Countries – Partner with Large Retail Distribution Networks

– Retailers Get NEW TAN Agent Revenue Source

• Aggregate Financial Services ($) Providers– Money Transfer from Sending Countries

– Micro-Finance/Insurance Get Inexpensive Distribution

• ALL Benefit from Low Cost Access to New Customers

Result: The Consumer is the Main Beneficiary!

Strategy: Aggregate Retailers/Service Providers

Slide 1504/12/23 Privileged and Confidential

P2P Cash Mobile Payment Cloud

ACH

Financial Institutions

Mobile Electronic Wallets & Clearinghouses

Telecommunications Carriers

Mobile Payment CloudMonitoring & Reporting

Electronic Payment Standards

Mobile Payment

Gateway • Clearing• Settlement


• Competing Technologies: POS, Money Transfer and ATM Terminals:

• TOO Expensive -Require Landline• NOT Convenient for the Consumer• TOO Fragmented to Reach Economies of Scale of FREE

• Competing Clearing Hub– Belgacom-

• Big Telecom -No Processing/Money Transfer Experience

• Located in Country without Functioning Government

• VISA/MC/Western Union/Money Gram• All Potential Licensees/Partners of P2P Cash

Competition

1704/12/23 Privileged and Confidential

• Unique Retailer Aggregation Strategy– Focus on Retailer/Distributor TAN Agent Benefits– All mWallets Sell to a Single Bank or Carrier– TAN Services ALL of Them as Retail Service Aggregator

• Patents– Patents Pending Globally

• Partnerships– World Bank Support – Large Retail Distributors-Rapid Low-Cost Global Footprint

• World Class Management Team– International Processing/Mobile Wallet Experience

Unique Competitive Advantages


The P2P Cash Team

World-Class Team100+ Years of Telecommunications, Payments and Retailing Expertise•CEO: Tom Meredith – Serial Entrepreneur: Financial Services, Tele-communications; Harvard MBA, Stanford Engineer•COA: Robert Horne- Serial Entrepreneur, Harvard MBA, Director- Nortel Networks Ventures; Chairman- Internet Security Company, NetActive•VP Business Development: Alex Boeller – 15 years of experience with mobile payments and services with Etisalat, Utiba and Wirecard.•VP Marketing- Kern Lewis- 25 Years Experience Marketing Financial Services: American Express, Great Western Bank, World Savings Bank; Harvard MBA•CTO: Morris Mwanga – Director of IT at Mobile Banking company, Mobile Pay; Competitor to M-Pesa, mobile wallet market leader. International Banking and Telecom programming expertise.•Technology Advisor: Jacques Gilbert – Banking background, First Data/Western Union- Chief Architect and Mobile Strategist

Slide 1904/12/23 Privileged and Confidential

• Closed Contracts:– Micro-Finance- Philippines– Largest Transaction Processor-Russia

• Closing Contracts Q3:– Telecom and Bank – Haiti – $10M Gates Prize Opportunity - Haiti– Retail TAN Distribution - Cameroon

• Trials in India, Bangladesh, Pakistan –Q3• Acquired Mobile Payment Patent (Pending)

P2P Cash Status Update


P2P Cash Summary

21

• Aggregate Retailers Worldwide into TAN- Trusted Agent Network

• Retailer Becomes Convenient Trusted Agent Micro-Banker/Insurance Agent

• Convenient ATM/Cash Transfer Services to ANY Bank/Carrier Customers

• Consumers can Make Micro-Loan, Pay Bills or Send Cash to ANY Cell Phone Worldwide

• Patent Portfolio- Competitive Barrier

• Large International Contracts Pending

• Proven World Class Management Team


Copyright 2010P2P Cash, INC. All rights reservedⓒ

The “VISA” of Mobile Banking

Strategic Business Overview

Economy & Finance

P2P Cash investor presentation 9-1