Prepaid Debit Card Solutions Presentation HubWallet (Pty) Ltd PO Box 312 Kathu 8446, Northern Cape, South Africa. 10 Bonthout Street, Kathu, Northern Cape, South Africa

Who we are Company Overview Hubwallet is the official and exclusive provider of Capital Software products and services. Hubwallet specialises in the delivery of a wide range of payment solutions which include, prepaid debit cards, merchant restricted cards, mobile payments, EFT services and electronic collections. Via its contractual relationship with Capital Software, Hubwallet provides solutions to a wide range of clients in various markets and sectors. The Capital Group is wholly focused on providing Third Party Payment (TPP) services via its own proprietary switching architecture and payment-gateway software. The major portion of the transaction volumes processed by Capital Software can be described as so-called salary-based, payroll transactions. Capital currently interfaces with approximately 13,700 employer groups in various sectors and markets. It also provides so-called payment services for the settlement of creditors on behalf of consumers and in this regard it interfaces with approximately 6,000 creditors, including all the major banks, finance companies, financial services companies and retailers. We provide technology and management services in terms of the recognised legislation (such as the National Payment Systems Act; Banks Act, Financial Intelligence Centres Act, Financial Advisory & Intermediaries Act, National Credit Act, Consumer Protection Act, and the Electronic Transactions & Communications Act together with any banking legislative imperatives within the South African Banking System). In terms of these Acts the main function of Capital is to receive and execute payment instructions, provide treasury management via a sponsor bank and management information reporting to its various clients. All of our card programmes operate a flow of funds model which is approved and is compliant with statutory banking legislation. Hubwallet Card Solutions

Our Track Record Our Payment Solutions We have BIN sponsorship with both Absa Bank Limited and First National Bank Limited. We are one of the largest pre-paid card issuers in the country and through these relationships provide both “open” and “closed” BIN solutions. In 2011 we issued 165,000 Capital Money Cards as the payment method for all National Census workers and deployed these cards “in-hand” within a fourteen day period. We issue both our own pre-paid card face (Capital Money Card) and various co-branded cards within our Visa BIN ranges. The following card faces are some of the cards under our various programmes. Real People Card Bridge Card CashCloud Farm Workers POPCRU workers card Medicard Medical Savings Card Capital Money Card Our Track Record

Our Platform Architecture Our Processing Platform

Our Strategy & Opportunities We have a proven technology which is integrated into two South African Banks: Absa/Barclays – the largest bank in South Africa and; First National Bank – the most innovative Bank in Africa. This has allowed us to develop innovative products and services around our Prepaid card offerings and which can be extended into the African market. We can offer the following: Salary cards to the un-banked and under-banked in Africa Debt Rehabilitation cards Payment cards linked to productivity Payment cards linked to agricultural products i.e. tobacco floors, sugar farms etc. Life improvement cards which are closed loop cards. Merchant Restricted Cards This presentation is the intellectual property of Capital Computer Software (Pty) Ltd and Hubwallet (Pty) Ltd © 2014

CAPITAL MONEY EMPLOYEE BENEFIT CARD SOLUTION OUR VALUE PROPOSITION ADVISORY & RELIEF COMPONENT In DEBT CAPITAL MONEY EMPLOYEE BENEFIT CARD SOLUTION This presentation is the intellectual property of Capital Computer Software (Pty) Ltd and Hubwallet (Pty) Ltd © 2014

TRANSACTION FLOW Whole salary transferred onto card SALARY OFFICE Cardholder’s salary is protected against unauthorised debits so employees have more disposable spend Whole salary transferred onto card SALARY OFFICE Lower cost banking transactions and access to lower cost finance. This means more money in the pay packet We pay-over employees deductions We save employees money OPTION 1 Part of salary transferred onto card, remainder into normal bank account The portion of money put onto the card can be used by the cardholder. This means more money in the pay packet. SALARY OFFICE OPTION 2 This presentation is the intellectual property of Capital Computer Software (Pty) Ltd and Hubwallet (Pty) Ltd © 2014

CREDITOR PAYMENTS FROM BANK ACCOUNT OUR STRATEGIC POSITIONING SALARY STATUTORY DEDUCTIONS CAPITAL MONEY POSITIONING CREDITOR PAYMENTS FROM BANK ACCOUNT DISPOSABLE SPENDING CONVENTIONAL POSITIONING This presentation is the intellectual property of Capital Computer Software (Pty) Ltd and Hubwallet (Pty) Ltd © 2014

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