Contents. Introduction To Volopa. Bank To Bank. The Volopa Lifestyle Card. Lifestyle Card In Use. How Your Money Is Managed. Manage Your Money Online

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1 VOLOPA SOLUTIONS

2 Contents Introduction To Volopa Bank To Bank The Volopa Lifestyle Card Lifestyle Card In Use How Your Money Is Managed Manage Your Money Online Branded Cards & Partnership About Volopa Financial Services Limited

Money Is Managed Manage Your Money Online Branded

3 Introduction To Volopa Volopa is the trading name of Volopa Financial Services (Scotland) Ltd and is the vehicle and brand for delivering our Prepaid Travel Card and deliverable Foreign Exchange (FX) solutions. Value We started this business with a firmly held belief that the customer deserves more. We have been using that belief to make a difference by providing the InterBank rate to all our customers for a set fixed fee. Security We take pride in ensuring our processes and procedures exceed the regulatory obligations applied by the FCA and HMRC. To ensure we maintain our high standards we carry out and are subject to regular audits. All money is held in segregated client money accounts with a leading High Street Bank and these are reconciled on a daily basis. Transparency We believe in sharing every detail of our process so you know exactly how much you are being charged for exchanging your money. To ensure this we apply an agreed transparent fixed % on any foreign exchange. Simplicity We believe you should feel in complete control of every transaction. That s why we ve made sure our systems and products are clear, easy to use and efficient.

We have been using that belief to make a difference by providing the InterBank rate to all our customers for a set fixed fee.

4 Bank To Bank Services Automatically available to all prepaid card account holders Online and telephone dealing with functionality to buy or sell a specific amount of currency Exchange at the InterBank rate for a set fixed fee Delivery and receipt of currency globally with no extra charges for your onward payment Payment of foreign exchange transactions by bank transfer or debit card Fixed fee pre agreed with client to a maximum of 1% depending on trading volume Store beneficiary details for swifter transaction completion Store debit card details securely for swifter transaction completion Why Volopa An example of typical saving that Volopa can provide. Provide us with details of your recent transactions and Volopacan prove how much you could save. Trade Market Rate BANK High Street Bank 15/03/2016 CURRENCY PAIR GBP : 10: DATE & TIME TRADESIZE RATE 15/03/ , :40 COMMISSION CHARGED 1.67% VOLOPA RATE VOLOPA COMMISSION MORE MONEY 1.00%* 6, * Volopa Commission Maximum 1%, discount possible on high volumes Calculation BANK Market Rate 15/03/2016 SELL 10: RATE BUY High Street Bank GBP 687, , Volopa GBP 687, , COMMISSION Included in Rate 9, TOTAL SAVINGS RECEIVE 901, , , SAVINGS 0.68%

Fixed fee pre agreed with client to a maximum of 1% depending on trading volume Store beneficiary details for swifter transaction completion Store debit card details securely for swifter transaction

5 The Volopa Lifestyle Card Multi Currency Card providing ability to hold fourteen different currencies on one card Up to 70% cheaper than UK debit and credit cards Up to 80% cheaper than OTC cash exchange MasterCard card allowing global use at ATMs and retail outlets Instant online currency exchange and top up service 24/7 365 days a year Exchange at the InterBank rate for a set fixed fee Up to 5 supplementary cards per customer or unlimited for Corporate Transfer money instantly between cards All cards embossed with Membership name or number Administrator has full holistic view of all cards

and top up service 24/7 365 days a year Exchange at the InterBank rate for a set fixed fee Up to 5 supplementary cards per customer or unlimited for

6 The Volopa Lifestyle Card Case Study Cost of spending 3,000 on a two week business trip or holiday Cash & Debit Card The Volopa Card 500 Cash FX at 9% Debit Card ATM Charges Debit Card ATM FX Debit Card POS FX ,000 Cash FX at 1% Card ATM Charges Card POS Charges Total 21** Total 6 ** Cash & Card costs are calculated Cash exchange at airport. 500 (5 x 100) ATM withdrawals based on High Street rates being 3 and 6% respectively. Remaining 2,000 Point of Sale transactions at 6%. 50% discount on your food bill at over 2,500 restaurants across the UK Receive between 10% to 30% discount at Hotels, Spas and Retail stores across the UK We can create and integrate a reward program within Phantom. Volopa Phantom is expanding into Europe and Asia throughout 2016.

500 (5 x 100) ATM withdrawals based on High Street rates being 3 and 6% respectively. Remaining 2,000 Point of Sale transactions at 6%.

7 Lifestyle Card In Use ACCESS ON AL L DEVI CES US Dollar Card Currencies Pound Sterling Euro Japanese Yen Hong Kong Dollar US Dollar Dollar Australian Pound Sterling Canadian Dollar Euro Swedish Krona Japanese YenKrone Norwegian Hong KongDollar Dollar Singapore Australian Dollar Canadian Dollar Swedish Krona Norwegian Krone New Zealand Dollar Singapore Dollar Danish Krone Polish Zealand Zloty New Dollar Danish Krone Rand South African Polish Zloty South African Rand Volopa will soon be adding the following currencies: UAE Dirham Swiss Franc UAE DirhamForint Hungarian Swiss Franc Hungarian Forint additional currencies available on request.

Norwegian Krone New Zealand Dollar Singapore Dollar Danish Krone Polish Zealand Zloty New Dollar Danish Krone Rand South African Polish Zloty South African Rand

8 How Your Money Is Managed Personal Primary Account Holder Family Member Family Member Household Staff Business Company Accountant Financial Director Management Middle Office Sales Director Director Staff Staff Staff Staff

Business Company Accountant Financial Director

9 Manage Your Money Online Prepaid Cards Overall Account Balance Card Primary Card Card Details Balance Status **** **** **** 7826 Active Mr Smith Company Owner Expiry : 1 / 2020 Card Balance USD GBP Action Currency USD GBP Available To Spend Reserved Rate GBP Value* **** **** **** 7826 Active Mr Anderson Financial Director Expiry : 1 / 2020 Card Balance USD GBP Action Card Details Top-up AUD CAD DKK **** **** **** 7826 Active Mr Jones Company Director Expiry : 1 / 2020 Card Balance USD GBP Exchange Action Transfer To Other Card Block Card HKD JPY NOK NZD **** **** **** 7826 Active Mr Clarke Sales Manager Expiry : 1 / 2020 Card Balance USD GBP Action PLN SEK SGD **** **** **** 7826 Active Mr Elder Sales Manager Expiry : 1 / 2020 Card Balance USD GBP Action ZAR Total GBP Value:

79 **** **** **** 7826 Active Mr Anderson Financial Director Expiry : 1 / 2020 Card Balance USD GBP 21000 7500 8500 Action Card Details Top-up AUD CAD DKK 0.1062 0.

10 Branded Cards & Partnership Partnerships Benefits Volopa can supply fully branded platform and cards Offer the latest technology to your customers and or staff Enjoy a unique service that will save up to 70% against using existing UK debit and credit cards abroad Potential for new revenue stream Data collection for marketing & targeted opportunities Volopa systems can be easily integrated with any existing back office and accountancy software, via API

existing UK debit and credit cards abroad Potential for new revenue stream Data collection for marketing &

11 About Volopa Financial Services Limited Volopa is a trading name of Volopa Financial Services (Scotland) Ltd (VFS) VFS are authorised and regulated by the FCA to carry out Payment Services under the Payment Services Regulations 2009; Firm No VFS are registered as a Money Transmitter with HMRC, No Registered with the Information Commissionaire Office on the Data Protection Register, Registration Number No.Z Volopa is run by a team with extensive experience of Compliance, Foreign Exchange and Investment Services. We focus not only on the commercial aspects of the business but also on the regulatory and governance arrangements surrounding the running of the firm Contact Us Sales Questions: sales@volopa.com Sales: +44 (0) Customer Support: +44 (0) Support: support@volopa.com VFS is owned by a group of private investors who have a wealth of experience both working and investing in the financial services sector Volopa Financial Services (Scotland) Ltd professional advisers: Accountants - Nathan Maknight LLP / Lawyers - Burlingtons LLP 22 South Audley Street, Mayfair, London W1K 2NY. Official Foreign Exchange Solutions Partner of the European Challenge Tour Official Foreign Exchange Solutions Partner of Royal Hickstead International

12640168 Registered with the Information Commissionaire Office on the Data Protection Register, Registration Number No.

12 DISCLAIMER Whilst considerable care has been taken in compiling the content of this presentation, no representation or warranty, express or implied, is made by us as to its accuracy or completeness. Nothing said or covered by this presentation should be construed as being investment advice, should be taken to constitute an offer, invitation or recommendation to enter into any transaction. We cannot and will not provide advice as to the suitability or otherwise of any foreign exchange transaction or the prevailing or future market trends. We strongly recommend that you seek professional advice if you are in any doubt about any of the information discussed or covered in this presentation. VISIT VOLOPA.COM Volopa is the trading name of Volopa Financial Services (Scotland) Limited which is Authorised and Regulated by the FCA (Financial Conduct Authority). Registered No

We cannot and will not provide advice as to the suitability or otherwise of any foreign exchange transaction or the prevailing or future market trends.

1. Debit the account specified by the Customer for the amount agreed to for the purchase of the foreign currency;

1. Debit the account specified by the Customer for the amount agreed to for the purchase of the foreign currency; Foreign Exchange FX Direct - User Guide RULES OF OPERATION The FX Direct Service is provided by Royal Bank of Canada (the Bank). A) When Does a Foreign Exchange Deal Exist? A valid and binding transaction