Making Money on the International TopUp

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Making Money on the International Top-Up
2008
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The world is changing

• There were the times when it was possible to earn
  5-10 on the domestic top-up. Those times are
  gone.
• There still are domestic markets in some
  developing countries with the 5-8 margin on the
  top-up, but they are few and narrow.
• In the developed markets, the large scale top-up
  networks reduce the margin to as little as 2.

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The new opportunity ITU

• The International Top-Up (ITU) is the new
  opportunity to make money.
• The MNOs are ready to pay
• 10 in the neighboring countries
• 15 in the mainstream tourist countries (e.g.
  Turkey and Egypt for EU MNOs)
• 25 in less popular tourism countries
• Up to 30 in exotic countries

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But its not easy

• to create acceptance networks not in domestic
  countries!
• The ITU companies in the new non-domestic markets
  meet the problems
• There are domestic players already
• The foreign countries have their specific and
  require the knowledge of the market
• The new players are not very much welcome

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Where is the solution?

• It is almost impossible to penetrate a new
  countrys market alone
• It is much easier to do with a help from a
  domestic top-up network

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Bilateral vs. hub

• Hub concept
• Just one agreement
• Just one gateway
• Hassle-free operation/maintenance

• Bilateral relations
• Large number of bilateral agreements negotiations
  and connections hundreds of large and thousands
  of smaller companies to connect
• Too many gateways
• Unmanageable maintenance and operation

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CyberPlat hub solution

• 10 years proven technology
• Very attractive per transaction prices
• Easy connection
• Online (1-2 seconds)
• Secure (messages are encrypted and EDS signed)
• Zurich (Switzerland) based transaction processing
  center

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CyberPlat offer

• Processing of the transactions between top-up
  networks in different countries and/or between
  top-up networks and MNOs
• Cost per transaction 1 US cent
• Real-time online!

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Why it is profitable?

• 10 top-up in the neighboring country brings a
  top-up company (at 10) 1
• The top-up company pays for the transaction
  processing just 1 cent
• The companys revenue 0.99

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The further the more

• 100 top-up in the exotic country brings a top-up
  company (at 20) 20
• The top-up company pays for the transaction
  processing just 1 cent
• The companys revenue 19.99

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Together is better

• Going together, it is possible to earn much more
  than separately
• In a few months, we can create a global top-up
  system with about 50 companies based in different
  countries

• This system will be very attractive to MNOs
• Domestic payment systems could successfully sell
  the systems services to the local MNOs

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Who needs it?

• Subcribers
• More people go abroad each year
• More subscribers get prepaid
• They all have mobile phones
• They all need to top-up in roaming

• MNOs
• Roaming is profitable
• Good roaming services are the main competitive
  edge
• Ability to top-up in the roaming is the powerful
  advantage
• Top-up companies retailers
• The tourists are good payers
• Commission for ITU is much higher than for
  domestic top-up

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Lets go together!

• Together, we can make a new profitable product in
  a very short time
• Together, we can use it to raise our revenues
• So lets make some money a lot of money together!

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Contact information
Andrey Gribov, PRESIDENT CEO, CYBERPLAT
OJSC Address Floor 12, Entrance 7, World
Trade Center-2, Moscow, 123610,
Russia Phone [phone] Fax 7
[phone] Website http//www.cyberplat.com
E-mail gribov_at_cyberplat.com