1. Mobile and Transact Solutions

2. What is Cell Pay Point? • Cell Pay Point Features • How does it work? PRESENTATION AGENDA

3. Cellphone payment solution for purchases. • First mobile payment solution to market that allows direct monetary payments and will drive the payment industry’s future. • Idealfor the African market and can do what e-commerce has done for the USA. CELL PAY POINT

4. Real-time payment solution with real-time payment confirmation for online purchases available to all FNB customers registered for cell phone banking. • Any FNB transactional account (credit/ debit card). • Greatly reduce repudiation/fraud risk (card not present). • No customer detail, e.g. name, ID, must be entered online. • “Plug and play solution”so that merchants can be live immediately, i.e. commercialised solution. CELL PAY POINT FEATURES

8. To confirm your PHUMELELA GAMING AND LEISURE payment reply with your MOPIN = your 5-digit PIN. NB: NEVER include your MOPIN in an SMS Pay 10.00 from SMRT to PHUMELELA? 1. Confirm 2. Select Account 3. Cancel MT SMS FNB☺Payment Processed. Paid 10.00 from SMRT to PHUMELELA GAMING AND LEISURE ref CELLPOINT/400020/20071123/231. *120*277*152231# HOW DOES IT WORK?

10. Merchants will need to do the following in order to add Cell Pay Point to their sites: • Sign a Commercial agreement with FNB’s requirements • Open an FNB account • Register for Cell Pay Point HOW TO GET CELL PAY POINT

11. Thank you!