Investor Presentaiton

Regulation Becoming More Supportive PAY CELL E O MPOS E-money Using smartphone or tablet to perform the functions of a cash register Benefit: Increased penetration of longtail merchants Strategic Focus: Techfin Services The potential adaptation of PSD2 Payment Services Directive of EU in Turkey Benefit: Ability to reach banking system, becoming single interface for customers financell PSD2 Potential legislative measure to remove the requirement to keep e-money funds in escrow account Benefit: Potential to attract more users offering return on e-money accounts Micro Lending Potential regulatory changes in the definition of loan facilitations Benefit: Potential to give micro loans to consumers Investor Presentation 43 33

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