CLPI Investor Presentation

Presentation for

OTC: CLPI

Monday, 17th October, 2016

Monday, 17th October, 2016 HTTP://INVESTORS.MONEY-ON-MOBILE.COM 1

REQUIRED STATEMENT ABOUT FORECASTS

MoneyOnMobile’s models and projections are based on certain key assumptions, including but not limited to the following:

◦ Availability of adequate and appropriately priced financing to continue in business

◦ Availability of acquisitions which can be completed

◦ Continued performance of key staff

◦ Continued favorable business conditions and economic climate.

◦ MoneyOnMobile Forecasts are the representation of MoneyOnMobile Management.

Certain of the statements contained herein may be statements of future expectations and other forward-looking statements that are based on management‘s current views and assumptions and involve known and unknown risks and uncertainties that could cause actual results, performance or events to differ materially from those expressed or implied in such statements. In addition to statements which are forward-looking by reason of context, the words “may,”“will,”“should,”“expects,”“plans,”“intends,”“anticipates,”“believes,”“estimates,” “predicts,” “potential,” or “continue” and similar expressions identify forward-looking statements. Actual results, performance or events may differ materially from those in such statements due to, without limitation, (i) our ability to acquire retail credit card processing residual streams (“residuals”), (ii) our ability to raise capital to fund our acquisitions, (iii) our ability to successfully integrate multiple residuals acquisitions, (iv) changing levels of competition, (v) changes in laws and regulations, including government regulation of the credit card processing industry and other related financial institutions, and (vi) general competitive factors. This business plan is for confidential information purposes only and is not a solicitation for investment.

THIS DOCUMENT DOES NOT CONSTITUTE AN OFFER TO SELL OR THE SOLICITATION OF AN OFFER TO BUY ANY SECURITIES. ANY OFFER OF SECURITIES OF THECOMPANY SHALL BE MADE ONLY TO QUALIFIED INVESTORS IN ACCORDANCE WITH APPLICABLE SECURITIES LAWS. THE SECURITIES LAWS PROHIBIT ANY PERSONWHO HAS MATERIAL NON-PUBLIC INFORMATION ABOUT A COMPANY FROM PURCHASING OR SELLING, DIRECTLY OR INDIRECTLY, SECURITIES OF SUCHCOMPANY.

Monday, 17th October, 2016

2HTTP://INVESTORS.MONEY-ON-MOBILE.COM

MOBILE PAYMENT NETWORK

CashDigital Money

Monday, 17th October, 2016 3

HTTP://INVESTORS.MONEY-ON-MOBILE.COM

INDIA

Population: 1.3 billion people1

(4x the United States1)

Unbanked: 607 million people2

(Only 15% of adults report using an account for payments5)

Credit Cards: 20 million (0.02 per adult)3

(vs 2.5 the United Kingdom6)

Cash: 98%+ Of Transactions4

(47% in the US are Cash/Check)


Sources: 1: Word Banks2: Word Banks’ Global Financial Inclusion Database2: Reserve Bank of India4: McKinsey; BIS, Friedrich Schneider papers5: Indian Ministry of Finance’s website for the Pradhan Mantri Jan Dhan Yojana scheme6: : RBI, World Bank, Index Mundi , EU


LARGEST IN INDIA

#1 IN INDIA

#2 WORLDWIDE

5Monday, 17th October, 2016 HTTP://INVESTORS.MONEY-ON-MOBILE.COM

Based on findings from GSMA 2015 Global Adoption Survey and data from GSMA Mobile Money Intelligence

CURRENT METHOD OF PAYING BILLS

Monday, 17th October, 2016 6HTTP://INVESTORS.MONEY-ON-MOBILE.COM

MoneyOnMobile AGENT


FINANCIAL TRANSACTIONS SUPPORTED

8Monday, 17th October, 2016

Domestic Remittance(P2P)

Television

Travel Tickets Metro Card Recharge

eCommerce Utility Payments

Mobile AirtimeCash Collection

Insurance* Cash Out*

* In Trials


MAKING DUMB PHONES SMART


MOBILE PAYMENT NETWORK

Digital Money

310,676Retail Stores Enabled On

MoneyOnMobile Payment Network

Earns Revenue from MoneyOnMobile for

Assisting Consumers with Financial Transactions

173 Million Mobile Phone

Users Served to Date

Saves Consumers Time and

Money

Cash

$754 Million USD

Processed Volume Over the Trailing Twelve

Months

Data through March 31, 2016



THE SERVICE IN ACTION


Agent Performing Transaction

SMS Based Transaction


https://www.youtube.com/v/gArGt9C7FEE

https://www.youtube.com/v/gArGt9C7FEE

TRANSACTION FLOW


InstructionsCash

Instructions

Confirmation

SMS Message as Receipt

Consumer Agent

Confirmation

Service Provider


Over 300,000 Agentsin over 600 Cities

REVENUE FLOW


Agent

Service Provider


$8 BILLION ANNUAL MARKET

Segment Volume Projections Revenue Potential

Domestic Remittance $30 bn $0.10 bn

Bill Payment $115 bn $0.01 bn

Prepaid Mobile $38 bn $0.38 bn

eCommerce (2020 est) $300 bn $6.00 bn

Digital Television $ 5 bn $0.05 bn

Travel $ 6 bn $0.06 bn

B2B (estimate of MoM addressable) $300 bn $1.80 bn

Total $794 bn $8.41 bn


Sources: RBI, CGAP, Gates Foundation, GSMA, PWC, Media Partners Asia, McKinsey

851m

200m

COMPETITION


Unbanked

Banked


Vendor Users(million)

Monthly PV(million)

Store Count Primary Focus Comments

170 $93.94 c. 315,000 UnbankedUnbanked Consumer Focus

At Scale

120 $113.64 c. 80,000 Banked

Banked Consumer Focused30 $9.09 c. 100,000 Banked

20 $68.18 c. 150,000 Banked

14 $1.40 c. 25,000 Unbanked

Subscale8 $56.00 c. 60,000 Unbanked

n.a. n.a. C 60,000 Unbanked

LOCAL MARKET PEER COMPARISON


Sources: Companies’ Data, Financial Express


MANAGEMENT TEAM


Jim McKelvey

Director (USA)Co-founder of Square, one of the fastest growing technology companies in the US

Harold Montgomery

CEO (USA)Stanford University MBA, 1985Started in payments in 1987

Strategic Relationships (India)12 years of experience in payment space with Easy Bill, & FinoPaytech

Vimal Dhar

Will Dawson

EVP Mobile Money (USA)COO, MasterCard Mobile Money JV

Launched Mobile Money in Egypt & Turkey

Scott Arey

CFO (USA)Stanford University BA, 198410 years Bank of America Group CFO

Jolly Mathur

Founder and Director (India)25 years of experience building businesses including Value Added Services in the Telecom Sector

Founder and President (India)Alumni of IIM Lucknow with over 20 years of experience out of which 7 years in payment space

Ranjeet Oak

Shailesh Narang

CFO (India)Qualified Chartered Accountant since Nov 1984 with 37th Rank in All India CA Exams

Rajat Sharma

Founder and Director (India)18 years of experience in the fields of Telecom and IT. Launched Motorola’s wireless products in India


JIM MCKELVEY: BOARD DIRECTOR

Successful

Entrepreneur

Square at a glance

Square Inc. offers digital payment services to generally unbanked merchants and has been a disruptive force in the acquiring space

IPO’ed in November 2015

Current market capitalization: USD 3.6 billion

2015 Revenue: $1.3 billion

Bringing His Experience of Creating a $3+ Billion Payments Company


FINANCIAL EMPOWERMENT


Kalighat Society Adds 75,000 Female Agents to Our Network


Additional Merchant ServicesBuilding Agent Network Growing Wallet Spend

EVOLUTION OF MoneyOnMobile


Narrow

Broad

Mobile AirtimeExp

and

ing

Ad

dre

ssab

le M

arke

t

Television

Utility Payments

Simple Products

Domestic Remittance (P2P)

Travel Tickets

eCommerce

Insurance*

More Complex Products

2011-2014 2015-2017 2017+

UPI for Face-to-Face

Working Capital Loans

Government Benefits

Digital Locker

Cash Collection


SMS Based Transactions 65% SMS & 35% Smartphone Primarily Smartphone

PROCESSING VOLUME TREND

QUARTERLY PROCESSING VOLUMES

108% Growth in Q1 `17 Processing Volume over Q1 `16

Team Focused on Margin

Monday, 19 September 2016 HTTP://INVESTORS.MONEY-ON-MOBILE.COM 21

Currency conversion for Processing Volume done a constant exchange rate of 66 Indian Rupees to the US Dollar.

$43 $52 $56 $67 $108

$154

$216

$276 $224

$-

$100

$200

$300

20

15

Q1

20

15

Q2

20

15

Q3

20

15

Q4

20

16

Q1

20

16

Q2

20

16

Q3

20

16

Q4

20

17

Q1

Mill

ion

s

REVENUE TREND

QUARTERLY REVENUES IN US$

11% Growth in Q1 `17 Revenue over Q1 `16


$0.9

$1.5$1.7$1.7$1.3$1.4$1.6

$2.0

$1.4

$0.0$0.5$1.0$1.5$2.0$2.5

Mill

ion

s

MARGIN TREND

QUARTERLY GROSS MARGIN IN US$

50% Growth in Q1`17 Revenue over Q1 `16

Q1 `17 Gross Margin was 53% up 11.7 ppts over Q1 `16


* Q1 2017 Numbers are Unaudited

46%

38%35%

41% 41%47%

55%

41%

53%

0%

20%

40%

60%

2015Q1

2015Q2

2015Q3

2015Q4

2016Q1

2016Q2

2016Q3

2016Q4

2017Q1

Harold [email protected] +1 214 837 2765


Investor Relations

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