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Internet World, London 29 April 2008

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  1. Banking 2.0 and the rise of virtual wallets Internet World, London 29 April 2008

  2. Agenda 1 Introduction to Moneybookers 2 Banking 2.0 for Businesses 3 Banking 2.0 for Consumers 4 Banking 2.0: Trends & Key Drivers 5 Contact

  3. Key Facts About Moneybookers • First regulated e-money issuer, regulated by the UK financial authorities (FSA) • Founded in July 2001 and based in London, United Kingdom • Owned by Investcorp, Chairman of Moneybookers’ Board: Dr. Thomas Middelhoff • 200 employees, supporting 12 languages • Most comprehensive Payment network for borderless money transfers worldwide and in real-time • 5.0 Million account holders and 8,000 new account openings per day • More than 20,000 merchants have used the Moneybookers solution • Moneybookers is an independent payment provider 3

  4. Our Partners 4

  5. No. 1 in Local Payment Options – more than any competitor • Amex • Visa • Mastercard • Jcb • Solo • Dinerd Club • Amex • Visa • Mastercard • Jcb • Diners Club • Amex • Visa • Mastercard • Jcb • Diners Club • Bank Wire (coming soon) • Bank transfer • Amex • Visa • Mastercard • Jcb • Diners Club • Bank transfer • Amex • Visa • Mastercard • Jcb • Diners Club • Bank transfer • Amex • Visa • Mastercard • Jcb • Solo • Amex • Visa • Mastercard • Jcb • Diners Club • Amex • Visa • Mastercard • Jcb • Diners Club • Local Instant Bank Transfer • Bank transfer • Visa • Amex • Mastercard • Jcb • Diners Club • Bank transfer • Amex • Visa • Mastercard • Jcb • Diners Club • Bank transfer • Amex • Visa • Mastercard • Jcb • Diners Club • Amex • Visa • Mastercard • Jcb • Diners Club • Bank Transfer (coming soon) • Amex • Visa • Mastercard • Jcb • Diners Club • Bank transfer • Amex • Visa • Mastercard • Jcb • ClubDiners • Bank transfer • Amex • Visa • Mastercard • Jcb • ClubDiners • P24 • BPH • Inteligo • Mbank • Multitransfer • Nordea • Amex • Visa • Mastercard • Jcb • Diners Club • eNETS • Bank transfer • Amex • Visa • Mastercard • Jcb • Diners Club • Cheque • Solo • Bank transfer • Amex • Visa • Mastercard • Jcb • Diners Club • Bank transfer • Amex • Visa • Mastercard • Jcb • Diners Club • Giropay • ELV • Sofortüberweisung • Bank transfer • Amex • Visa • Mastercard • Jcb • Diners Club • Laser • Amex • Visa • Mastercard • Jcb • Diners Club • Bank transfer • Amex • Visa • Mastercard • Jcb • Diners Club • iDeal • Bank transfer • Amex • Visa • Mastercard • Jcb • Diners Club • Bank transfer • Amex • Visa • Mastercard • Jcb • Diners Club • Poli • Amex • Visa • Mastercard • Jcb • Diners Club • Amex • Visa • Mastercard • Jcb • Diners Club • Bank Transfer (coming soon) • Poli • Bank transfer • Amex • Visa • Mastercard • Jcb • Diners Club • Bank transfer • Amex • Visa • Mastercard • Jcb • Diners Club • Cheque • Carte Bleue • Bank transfer • Amex • Visa • Mastercard • Jcb • Diners Club • Bank transfer • Amex • Visa • Mastercard • Jcb • Diners Club • EPS • Bank transfer • Amex • Visa • Mastercard • Jcb • Diners Club • Bank transfer • Amex • Visa • Mastercard • Jcb • Diners Club • Bank transfer • Amex • Visa • Mastercard • Jcb • Diners Club • Bank transfer • Amex • Visa • Mastercard • Jcb • Diners Club • Bank transfer • Amex • Visa • Mastercard • Jcb • Diners Club • Poste Pay • Carta C • Visa Electron • Bank transfer • Amex • Visa • Mastercard • Jcb • Diners Club • Euro6000 • 4B • Visa Electron • Bank transfer • Amex • Visa • Mastercard • Jcb • Diners Club • Bank transfer • Amex • Visa • Mastercard • Jcb • Diners Club • Bank transfer • Amex • Visa • Mastercard • Jcb • Diners Club 5

  6. Moneybookers: E-wallet and Quick Checkout Payment Gateway • Moneybookers’ E-Wallet enables... • Consumers to send money to each other • Only email and password are required for a secure, convenient and high conversion payment transaction • Merchants to receive money from customers instantly • Affiliates to receive and distribute funds • Auction platforms to process money between the participants Go shopping Send money • Moneybookers’ Quick Checkout enables... • Direct processing of all local payment options • Gateway integration per iframe • Adaptable look and feel • High conversion • “One-click” payment • Instant status reports 6

  7. Agenda 1 Introduction to Moneybookers 2 Banking 2.0 for Businesses 3 Banking 2.0 for Consumers 4 Banking 2.0: Trends and Key Drivers 5 Contact

  8. E-Commerce Revenues in Europe: Total growth to $ 300 billion in 2009! Market Highlights and Trends in Europe: • Market is growing with 25% per annum and to 300 billion in 2009 • Biggest segments are Travel (38%), Clothing(11%) and Media(10%).

  9. The payment market becomes more and more fragmented! Breakdown of preferred local payment methods (globally) Credit Card Bank Transfer COD – Cash on Delivery E-Wallet Debit Card Money Transfer Postal Transfer Cash Paid in Person by the Buyer Payment Through a Convenience Store Cash in the Mail Pre-Paid Card Other Method • Credit Card payments dominate the global online payment sector by far (59%) • E-Wallets make up already 12% of the global online payment market Source: EuPD Research, E-Commerce 2007

  10. In Germany Credit Cards make up only a small part of payment methods used for shopping Breakdown of preferred local payment methods (Germany only) • Bank transfer (69%) and Direct Debit (54%) are the most widely used payment options in Germany • Cash on delivery is still more widely used than payment via Credit Cards (only 40%, but growing) • Online bank transfer services (Giropay, Sofortueberweisung) and E-Wallets are on the rise Source: EuPD Research, E-Commerce 2007

  11. Banking 2.0: Overcoming fragmentation and complexity of the banking and payment industry to enable growth! • Internet Payment Options • Huge fragmentation • Multiple integrations necessary • Numerous contracts required E-Wallet • Instant payment/bank transfer • Low transaction costs • All currencies supported • All local payment options • No need for local bank accounts • One integration • Risk profiling and fraud control ... • Traditional Banks • Very fragmented environment • Focus on local activities • Traditionally slow and complex • Need to open local bank accounts • Various interfaces, high cost

  12. Agenda 1 Introduction to Moneybookers 2 Banking 2.0 for Businesses 3 Banking 2.0 for Consumers 4 Banking 2.0: Trends and Key Drivers 5 Contact

  13. Micropayments on the Rise The micropayments sector experienced a great shift in demand through new online consumption in recent years: Music News / Articles Video/DVD Online Publishing Communication Entertainment Traditional Paid Content Technical Literature Games / MMOPRG’s Pictures Mobile Content 13

  14. The rising importance of Micropayments emphasizes security concerns in traditional online payment! Traditional Payment New Payment The E-Wallet - The safest and quickest way to pay • Payment without revealing credit-card/banking details • Quick check out – no need to retype any details • Instant payment (send and receive) • Bank account aggregation, support of multiple payment options/ various credit cards • Fear of security leaks • Reservation to enter sensitive data esp. for smaller values • Phishing attacks High Conversion Rate Low Conversion Rate Higher Revenue Limited Growth Potential

  15. Agenda 1 Introduction to Moneybookers 2 Banking 2.0 for Businesses 3 Banking 2.0 for Consumers 4 Banking 2.0: Trends and Key Drivers 5 Contact

  16. Banking 2.0: Trends and Key Drivers • Trend 1: Globalization of websites • Local businesses start selling globally • Domestic customers move money globally (International money transfer/remittance) • Trend 2: Rise in identity theft and payment fraud • Protect your margins! • Manage payment risk locally! (Scoring models, Blacklists, local BIN databases, IP checks, Device tracking, Fraud algorithms) • Trend 3: Emergence of new business models • ‘Pay!’ (Social gifting/charities) • ‘Micro Pay!’(Virtual goods, MMOGA) • ‘Pay Out!’(User generated content) • ‘Pay me back!’(P2P payments)

  17. Agenda 1 Introduction to Moneybookers 2 Banking 2.0 for Businesses 3 Banking 2.0 for Consumers 4 Banking 2.0: Trends and Key Drivers 5 Contact

  18. Contact Martin Ott Co-CEO Phone: +44 207 608 8462 Fax: +44 207 608 1603 Mobile: +44 782 520 4850 martin.ott@moneybookers.com Moneybookers Limited Welken House · 10-11 Charterhouse Square London EC1M 6EH UK www.moneybookers.com