General Presentation. Final Version 2.0

General Presentation

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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.

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ONEBIP IS PART OF NEOMOBILE

Neomobile is a global Mobile Commerce Group.

Established in 2007, today Neomobile is a mobile entertainment leader in Europe, LATAM and India. Neomobile offers and markets a broad digital content suite to million of consumers – downloadable or

in the cloud and multi-screen (feature phones, PC’s, tablets, TV’s, smartphones) – that is easy to discover and consume.

With a team of 300 professionals worldwide, Neomobile has achieved continuous growth and revenue CAGR of +50% (2009 – 2012) In five years, it has achieved five M&A deals including four acquisitions.

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%)

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LOCAL OFFICES:

ITALY - Rome & Milan | UK - London | FRANCE - Paris | SPAIN - Reus & Madrid | GERMANY - Berlin | 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 700 million smartphones shipped worldwide in 2012 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

700 m

Onebip is available to over 5 billion users

connected to 250+ carriers in over 70

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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.

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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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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

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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

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

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.

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, GitHub, Thoughtworks GOI.

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 Rightscale, geographical mirroring based on AWS availability zones.

Continuous monitoring with NewRelic for application responsiveness, DataDog for application layer data monitoring, Nagios for proactive checks.

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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 with a 30 x status code. 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= [email protected]&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

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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[email protected]

www.onebip.com