RETAIL PAYMENT SOLUTIONS. Payments, electronic transactions and information switching. Delivering value. Enabling success. Integrated Services

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1 RETAIL PAYMENT SOLUTIONS Payments, electronic transactions and information switching Delivering value. Enabling success. Integrated Services is a proud member of the BankservAfrica Group Integrated Services

2 In the many-faceted complexity of the financial worlds that make up the modern economic universe, we strive to provide consistent, dependable and client-centric service through efficiency, focus, dedication and innovation, with the ultimate aim of reducing the complex and maximising potential by simplifying our worlds. BANKSERVAFRICA INTEGRATED SERVICES WHO WE ARE BankservAfrica Integrated Services is a wholly-owned commercial subsidiary of BankservAfrica, ring-fenced as a separate entity to minimise risk as part of our compliance with the requirements of the South African Reserve Bank and the Payments Association of South Africa. OUR BACKGROUND For over 40 years BankservAfrica, Africa s largest automated payments clearing house, has played a central role in processing billions of transactions annually, with an impeccable record of security and dependability. For over 40 years we have been building an unimpeachable reputation as a trusted partner whose industry relationships are as dependable as our service. As a leader in the South African payments industry, we provide world-class systems, technology, infrastructure and resources and offer a wide range of highly sophisticated products and solutions. WHAT WE DO As a commercial company, BankservAfrica Integrated Services delivers a comprehensive spectrum of financial, business, information and communication solutions that work together to provide every service needed to consolidate, simplify and optimise solutions, from communication and information functionalities, business infrastructure and software, to core banking and finance systems and the facilitation of electronic payments. 2

BANKSERVAFRICA INTEGRATED SERVICES WHO WE ARE BankservAfrica Integrated Services is a wholly-owned commercial subsidiary of BankservAfrica, ring-fenced as a separate entity to minimise risk as part

3 RETAIL PAYMENT SOLUTIONS OUR OFFERING MONEY TRANSFER Money transfer services ELECTRONIC AND CARD SOLUTIONS Nomad EFT solutions Traditional debit, credit, EMV card-based transactions RETAIL VALUE ADDED SERVICES Airtime Electricity Loyalty Gift cards HiLife Stokvel management Staff shopper cards Kiosks Portability CASH ezimo cash payouts 3

4 Integrates into your point-of-sale application, Nomad enables acceptance of bank-issued cards at the time of transaction. The system facilitates transactions and authorisations with automated banking at a pre-determined time. The Nomad solution allows merchants to: Track card transactions by cashier Eliminate errors associated with double-entries Reduce fraudulent activities and charge-backs Utilise simplified reconciliation process ELECTRONIC AND CARD SOLUTIONS WITH NOMAD EFT SOLUTIONS MERCHANTS CAN OFFER In-store banking (cash back) Pre-paid vouchers such as electricity and airtime An interface to gift cards and loyalty schemes Mobile payments MERCHANTS RECEIVE A web-based reconciliation tool detailing all card transactions Choice of the your acquiring bank A secure EFT pathway to the bank A reduction in time to market Improved customer service for all technical support or banking queries Pro-active SMS notifications during downtime Pro-active monitoring on all Nomad servers 4

The Nomad solution allows merchants to: Track card transactions by cashier Eliminate errors associated with double-entries Reduce fraudulent activities and charge-backs Utilise simplified

5 With ezimo, your business can add value for your customers through till-point payout solutions at retail partners nationwide. The ezimo system allows you as a merchant or business to offer simple, trusted and dependable wages payouts or pre-authorised loan payouts of up to R ezimo CASH PAYOUTS For customers, there are just six simple steps to follow in making use of this convenient service. All they need to do is: Choose ezimo as a cash payout option during the loan application process Sign the ezimo terms and conditions Check for the SMS with the ezimo reference number once the loan is approved the cash is ready for collection at any participating store nationwide Go to a participating store with the reference number in the SMS, and the ezimo cash payout amount in the terms and conditions Advise the cashier at a till point of the mobile withdrawal, and present the reference number and payout amount Receive the cash Customers can collect their ezimo payout whenever it suits them even after work, on weekends, or on public holidays. They can even nominate someone to make the collection on their behalf, by presenting the reference number and the cash payout. ezimo is a cash payout service offered by credit providers. It is available to any business wishing to benefit from the convenience of retail store-based payouts. 5

ezimo CASH PAYOUTS For customers, there are just six simple steps to follow in making use of this convenient service.

6 With our money transfer system you can facilitate with an SMS-PIN mechanism the real-time transfer at a minimal fee of funds between individuals through retail networks. The solution offers both a closed- or open-loop money transfer option with a limit of R per sender and receiver. MONEY TRANSFER 1 Completes registration and FICA process 2 Sender pays MTS fee and money is deposited Sender receives ref # and PIN 3 Sender passes on the ref # and PIN to the recipient 5 Recipient receives funds from retailer 4 Recipient gives cashier the ref # and captures PIN RETAIL VALUE ADDED SERVICES With functionalities that range from airtime and pay-asyou-go electricity sales, to enabling stokvel management, our value added services enable you to provide customers with added conveniences and opportunities, enhancing your overall offering, and encouraging loyalty through gift cards, rewards, and portability. SERVICES INCLUDE: Airtime Electricity Loyalty Gift cards HiLife Stokvel management Staff shopper cards Kiosks Portability 6

MONEY TRANSFER 1 Completes registration and FICA process 2 Sender pays MTS fee and money is deposited Sender receives ref # and PIN 3 Sender passes on the ref # and PIN to the recipient 5 Recipient

7 CONTACT DETAILS RETAIL PAYMENT SOLUTIONS CUTTING EDGE TECHNOLOGY. STATE-OF-THE-ART SYSTEMS. TRUSTED PLATFORMS Nomad EFT solutions and Retail value added services Anthony Marx Landline: +27 (0) Mobile: +27 (0) MTS and ezimo Max Sokolich Landline: +27 (0) Mobile: +27 (0) Providing payments, transaction and information switching solutions using the latest technology, systems and processes, enabled via a secure and trusted payments platform. 7

com Landline: +27 (0) 10 595 1530 Mobile: +27 (0) 82 565 3606 MTS and ezimo Max Sokolich maxs@bankservafrica.

8 Integrated Services

BUSINESS PROCESS AUTOMATION. Document digitisation and records management solutions. Delivering value. Enabling success. Integrated Services

BUSINESS PROCESS AUTOMATION. Document digitisation and records management solutions. Delivering value. Enabling success. Integrated Services BUSINESS PROCESS AUTOMATION digitisation and records management solutions Delivering value. Enabling success. Integrated Services is a proud member of the BankservAfrica Group Integrated Services BANKSERVAFRICA