1. KlickEx means Opportunity

2. Payment Landscape: The Pacific (before we started): 80% of the populations were unbanked 40% of GDP was remittance based 20% charges on remittances was common. Yet no low cost/immediate payment domestic banking infrastructure. So we set out to bridge the gap. If ever there was a market for a real time, cross border, low cost, and widely available payments system: Here it was!

3. What is KlickEx? Built by the Pacific, for the Pacific. By Farmers. A system to radically reduce costs of moving funds across the Pacific. Deployed amongst Banks first – then to users. Now one of the largest MTOs in the Pacific, and constantly the lowest cost. Extremely high uptake, has resulted in several new services specifically for the RSE market place…

4. Impact on RSE Moving money across borders has never been lower cost or higher speed for employees, even in a formal financial service. It has also never been easier for Employers. At KlickEx, Technology means the costs keep decreasing. Good Training, Financial Education, Exciting Partnerships. Reduction of Risks, Enhancement of Market-Fit, overcoming market challenges (and reversing upward price pressures).

5. Technology Service Recognition Top Global Innovator Award SWIFT/ 2013 8 Currencies Savings Goal: $1m/Month in Fees 1,200 transactions per minute UN and SWIFT Funded. Pacific Volume Target: $200m per year Best Payments Initiative 2013 Financial World Innovation Awards 40%+ RSE User Uptake Best Community Banking Initiative 2013 Financial World Innovation Awards 9 Countries 281% YoY Growth

6. Systems for RSE Employers Kiwi banks have had low cost electronic payment systems for decades. - Now the Pacific has one too: Employer to Home Country “in Cash”: $3.00 cross border fees; - Maximum employee Simplicity, via a Digicel Mobile Wallet/agent. Employer to Employee NZD Account: No fee - $3.00 cash out fee later. - Employee can manage their FX rate (and they do!), and save more! Extremely streamlined Regulatory processes. So simple. Largest number of physical cash-out agents across all our receive markets (260 locations) Enhanced Employee and Employer Agri-businss services (coming very soon).

7. A platform for the Pacific Live in the Pacific: Fiji, Samoa, Tonga Awaiting Digicel: Vanuatu, PNG USD/Pacific In testing US By Arrangement Caribbean: Upon Request Live: GBP Available: EUR/Others, by Arrangement New Zealand - Live Australia - Live 37 African Central Banks Interested in an “African Solution”. Entities established In Asia, Africa

8. Costs are falling: Tonga, Samoa, Fiji...

9. Compare… Vanuatu (we’re not there yet!) The highest cost corridor in the world Vanuatu – 20.6% average!

10. Bank MTO Bank MTO Bank MTO Bank Send Money Pacific/ World Bank Data: Q2/2015

11. A win-win Analogy: RSE employers employ RSE workers…. Doing this, benefits employers, but also has huge benefits beyond the place of work for employees…. KlickEx is the same: Taking out the Cost of FX has huge benefits to economies. But More… Enhanced compliance, lower costs, better home healthcare – better ongoing health once workers arrive, more trading opportunities at home…

12. Full Compliance & Tracking

13. Next Steps for More Technology? KlickEx removes FX fees and Risks from Money Transfers New Products coming to Market this year: Assisting Employer Engagement, Control, Visibility; MTOs. 360 Degree KYC – Know Your Customer/Know Your Employee. Highly enhanced Employee Due Diligence and Risk Management. Expands beyond the financial sector. Support Services – Enhanced Communications, Integration with home Markets – Education, training, and wellness.

14. All beginning with Remittances

15. Employers, we all thank you! Robert.Bell@KlickEx.org New Zealand