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NO BANK ACCOUNT - NO CREDIT CARD - NO WORRIES

“A WORLD OF CONVENIENCE”

WORLD‘S MOBILE PAYMENT USER BASE TO PASS 450 MILLION

• International Research House Gartner forecasts that the worldwide mobile payment market will have over 450 million users and a transaction value of more than $721 billion in 2017. This represents compound annual growth rates of 35% respectively for the period 2014 to 2017.

• Money transfer will be the biggest category in terms of value, accounting for 63% of total transaction dollars, driven by huge demand for remittance payments in developing markets.

• The number of people using their mobile phones to make payments is set to grow from 70.2 million in 2009 to 108.6 million this year, a 54.5% rise, according to Gartner.

• This represents 2.1% of all mobile users, with the fastest take-up of the technology in the developing markets of Asia, Eastern Europe, the Middle East and Africa, driven by the unbanked and underbanked.

INTRODUCTION

In today’s on-line web world there is ‘high’ demand, for a ‘disturbing’ level of interest, in on-line shopping as a value added service.

As more and more technological advances evolve, the consumer’s level of comfort widens in using new options like mobile and web based shopping and financial services.

Ever emerging mobile convenience delivers critical mass use of applications allowing on line search, choice and spend, so the UNBANKED ECONOMY CAN NOW SHOP ON LINE

Now we reach that point in time where mobile convenience creates new markets and so it’s a race to capture any new customer.

www.bux.com offers all interested parties a world leading web and mobile digital ‘process’ with the intention to introduce the cash economy of unbanked, employed legal consumers with disposable income into the world of mobile payments.

NO BANK ACCOUNT - NO CREDIT CARD - NO WORRIES

THE CASH ECONOMY

welcome to the bux.com world of convenience

IMAGINE

being able to; Send money to your family and friends,Shop at hundreds and thousands of online retailers, top up your pre paid mobile phone or another prepaid mobile phone, make international phone calls for just a few cents per call,pay utility bills, buy games, music, ringtones and more!

IMAGINE if you could do ALL this with NO Credit Card and NO bank account.

IMAGINE this being a reality TODAY.

HOW IT FITS ALL TOGETHER

We offer three products: The Virtual Purse for online purchasing and closed loop transactions

The 'private label' Closed Loop, non bank card that allows a customer to load funds and cash out at third party accredited entities

The Debit VISA/MasterCard prepaid card, giving global ATM access and POS spending options.

VISA/MASTERCARD Debit Card Bux Virtual Account Non-banking Card

PRODUCTS AND SERVICES

MULTI-FUNCTION FEATURES

Customer supplies Basic KYC information

Customer submits: copy 1 of Gov’t-Issued ID

copy of Utility Bill

Customer allows system to do a real-time face

capture

Documents submitted are subjected to an

authentication process

Customer’s personal information are matched

against the OFAC SDN list

Customer provides bank account information

REJECTION

bux does a token transaction + a 4 digit

code on the bank account provided

Customer retrieves and enters the verification

code on the bux system

=/> 50%

match?

Code good?

KYC OK?

Has bank?

bux facilitates opening of a bank account

Partner bank opens account for the

customer

Bux.com account is active / bank account is active / ready for linking

to;

Yes

NO

NO

NO

NO

YES

YES

YES

REGISTRATION FLOW

Google PayPal Skrill Tigo

GLOBAL LOADING TRANSACTION POINTS OF PRESENCE (TPOP)

LOADING NETWORK

AlbaniaBulgariaCzech Rep.CroatiaDenmarkHungaryIcelandLatviaLiechtensteinLithuaniaNorway

Poland RomaniaRussiaSerbiaSweden SwitzerlandTurkeyUnited Kingdom

Other EuropeAustriaBelgiumCyprusEstoniaFinlandFranceGermanyGreeceIreland

Italy

LuxembourgMaltaMonacoNetherlandsPortugalSlovakiaSloveniaSpain

Euro-Zone

CanadaUSA

North America

BrazilColombia PeruChile Mexico

Latin America Africa

ME/Asia PacificAustraliaChinaHong KongIndiaIndonesiaMacauMalaysiaNew Zealand

PhilippinesPNGSingaporeThailandUAEVietnam

MoroccoSouth AfricaMauritius

Zambia

WITHDRAWAL NETWORK

Update Profile anytime

Check balance at no cost

Real-time transaction summary

Change your PIN

Upload KYC Documents

Linked Beneficiary

Perform Card Transfer’s

Perform Value-Added Services

ONLINE MANAGEMENT FOR THE CUSTOMER

CUSTOMER ACCESSIBILITY

ONLINE MOBILE

Money Transfer

Domestic and International Mobile Top-Up

Domestic and International Bill Pay

Pre-Paid Gift Cards

E-commerce (OTPB)

VALUE ADDED SERVICES (VAS)

Loyalty Program

ONE TIME PAYMENT BILL (OTPB)

Bux.com technical point of difference, is our capability to give an un-banked customer the chance to participate in e-commerce spend.

Generate a One Time Payment Bill (OTPB) on any participating web merchant site.

Pay at over 2,000,000 Transaction

Points of Presence- AND GROWING!

Multi currency payments

KYC compliant

Real-Time processing and payment capability for the customer and merchant.

Gain access to Telco prepaid load and top up your mobile credits either for you or for others by simply sending an SMS keyword or accessing your online account.

In an instant, mobile load will be received, without having to go to a prepaid mobile reseller store.

MOBILE LOADINGVAS – MOBILE TOP UP

Bills payment services available twenty–four hours a day so you can pay your bills on your own time

Saves you the hassle of paying late fees

BILL PAYMENT’S

Utilities Mobile + Telco Cable TV + Internet Credit Card

Insurance Charity Institutions Real Estate

VAS – BILLS PAY

Purchase E-Gift Cards instantly for yourself or send as a gift to others Gift Cards are offered in a range of denominations, the cards can be used online or on location at the issuing retailer. Personal message for the recipient can be added

VAS- PRE-PAID GIFT CARDS

Easy to signup

NO credit check is needed and all customers with mobile phone are qualified to register for a VOIPBOX account.

NO Contracts; No Bills, No Hidden Charges, No Set-Up Fees

NO physical cards to carry

NO PINs/Codes to remember

Low rates available and users can make calls to almost anywhere in the world Loading funds to the VOIPBOX account is easy

VOIPBOX – TAKING VOICE CALL TO THE NEXT LEVEL!

VAS- PRE-PAID VOICE CALL

CONCLUSION

From day 1 the plan of bux.com has been very focused on the SINGLE intention to build a seamless web/mobile ‘PROCESS’ that would act as a ‘GATEWAY’ to convert the spending power of the cash economy into a compliant on line and virtually banked digital form to provide un-banked communities access to mobile transactions including ‘SPEND’.

For fifteen years on line shopping and e-commerce services has been the domain of the banked minority. And for this period web merchants, have been chasing a share of the same market segment of credit worthy customers. So if debit is the new credit then we can now introduce the cash economy as a new on-line untapped spend and payment source.

As mobile distribution reaches critical mass and smart web phones become the norm, then revenue opportunity from on-line shopping as a value added service can come into play.

As the world rushes to provide internet access to all inhabitants on the planet, so bux.com will rush to convert the unbanked community as welcome participants in the everyday practice and opportunity for web and mobile.

SEARCH - CHOICE - SPEND

The information contained in this document is strictly confidential and must not be disclosed to any other person by the recipient of this document or any of its employees without prior written consent of bux.com. Similarly, the information must not be further reproduced and must only be used by recipient for the purpose of evaluation and response to this document. All rights are reserved. No part of this publication may be reproduced, stored in a retrieval system or transmitted in any form or by any means, electronic, mechanical, photocopying, and recording or otherwise without the prior permission of bux.com.

The recipient is permitted to disclose the information only to those employees and professional advisors who need to have access to it only to the extent required enabling them to carry out the evaluation of this document. In connection with the information disclosed in this document, no representation or warranty, expressed or implied, as to the accuracy, completeness or reasonableness of any assumption which may be contained in such information as given or made. bux.com disclaims all liability based on or relating to the use by the recipient of such information. Only those terms and conditions, which shall be included in one or more definitive written agreements, when executed, shall have legal effect.

DISCLOSURE OF INFORMATION