MOVO Investor Presentation April 6, 2017 1 Confidential and - PowerPoint PPT Presentation

MOVO Investor Presentation April 6, 2017 1 Confidential and Proprietary Information - Do Not Share or Distribute

Finance JEFF CLARK - Head of Finance Jeff has 20+ years of executive management, operations, and development experience in mobile communications companies. In the last six years he has worked with numerous start-up and rapid-growth technology companies in the US and Europe. From 2004 to 2009, Jeff served as CEO of mBlox, leading this mobile transactions company through a period of rapid growth and international expansion. Jeff also held senior management positions at Vodafone and AirTouch, serving as Senior Vice President of the Global Platform and Internet Services Group, as well as Vice President for the Vodafone Asia Region, where his responsibilities included business development, operations, and corporate governance. Prior to the Vodafone-AirTouch merger, Jeff was Vice President, Business Development, for Europe at AirTouch Communications. Jeff earned his BA at Yale and MBA at Harvard. 2 Confidential and Proprietary Information - Do Not Share or Distribute

Q1 Summary Confidential and Proprietary Information - Do Not Share or Distribute

Product and Implementation DANTE SIRACUSA - Head of Payment Operations Dante is a payments industry expert with over 10 years experience. He has worked with leading payments companies such as World Pay, Account Now and Catalina Card, where he managed teams responsible for large scale implementations for global merchants such as Uber, Netflix, Microsoft, HP, Adobe and others. He specializes in global eCommerce payments and prepaid debit card programs. Dante is a Veteran of the Marine Corps and graduated from St. Mary’s College of California with honors. 4 Confidential and Proprietary Information - Do Not Share or Distribute

1.0: Movo Cash Mobile App 15,281 App Downloads 91% Android, 9% iOS 61% 9249 GPR Account Activations 9% 828 Funded Accounts 5 Dec 20, 2016 - Mar 30, 2017 Confidential and Proprietary Information - Do Not Share or Distribute

1.5: Guest P2P Flow with a Debit/Credit Card 1.0 Mobile App Download Register Recipient CWAP Guest Notice - Sender Flow Save Download pending URL transfers Call 1 - Consumer Register /Update Send Claim Notification Job Executed Recipient Notice Call 2 - Account Log Reader - Pending Create/update transfer list

Consumer Operations CHARLES YOUNG - Head of Consumer Operations Charles demonstrates a true passion for innovation and a natural ability to take an abstract concept and make it a reality, Charles has played a large role as a 30 year veteran of the high tech industry. He has helped companies such as Hewlett-Packard automate it’s complex selling process with innovative tools to reduce field selling costs and speed the time to deliver solutions to its customers. His work has been presented at the Gartner Symposium, and has appeared in articles on innovation in Computerworld and Computer Reseller News. He has a background in sales, consumer adoption, partner channel management, solution architecture, and software development. 7 Confidential and Proprietary Information - Do Not Share or Distribute

Customer Support KPIs - March 2017 Actionable Steps To Reduce Support Requests: ● Make Direct Deposit information available in the app ● Improve CIP security during signup process ● Retrieve UserID from the MOVO app

Customer Support KPIs March 2017 Tickets Created 635 ➢ Card growth +221% ➢ Support Requests +130% Tickets Closed Call rate per cardholder down by 60% 639 Responsiveness First Reply Time: 68% under 8 hours ➢ Avg 1st Reply +46% GOAL: Drive First Reply Time down ➢ Med Resolve Time +143% to 90% under 8 hours

Declining support requests as a percentage of Cardholders

Customer Support Short-Term SLA Results Average Median Median Solve on 1st Contact 2017 1st Reply 1st Reply Full Resolve Time (Industry 39%) (hours) (hours) (hours) 80.8% 24.70 7.00 19.00 Jan 76.9% 5.53 1.40 4.00 Feb 77.9% 8.10 2.90 9.70 Mar

Program Management and Marketing JAKE POSEY - Head of Program Management Jake Posey has 14 years of experience working in the financial industry – the last 9 of those years was spent in prepaid program management. Jake worked for venture backed FSV Payment Systems (a prepaid processor and program manager purchased by US Bank) where he worked as the Web Product Manager, headed up an operations team, and helped clients grow their prepaid portfolio. These clients included top 5 banks, Fortune 100 clients, and some of the largest GPR programs in the U.S. Jake recently came from i2c Inc. (a prepaid processor) where he headed up their worldwide Program Management Department. Confidential and Proprietary Information - Do Not Share or Distribute

Advertising Spend - March 2017 Platform Amount Downloads Cost Per Download Google Adwords $10,531 � 5,542 � $1.92 ↑ Drippler $252 � 84 � $3.00 � Confidential and Proprietary Information - Do Not Share or Distribute

Growth Stats 14 Confidential and Proprietary Information - Do Not Share or Distribute

Marketing Plan April ● Bringing on Pay Per Click Marketer ● Keep Spend Level, Continue Testing ● Layer in Communications to Existing Cardholders to Drive Loads Confidential and Proprietary Information - Do Not Share or Distribute

Introduction - Rick Savard Rick has over 30-years of executive management experience in marketing, card management, processing and payments. His marketing background includes marque consumer brand names such as Abbott Labs, Coca Cola, Colgate Palmolive and American Express. At American Express Rick ran the credit card business in Canada, and was responsible for the launch of the Membership Rewards Loyalty Program, and he also ran the Macy's Visa, Private Brand charge cards and Gift Card products. In 2004, Rick was hired as the CEO of NetSpend in Austin, Texas, where in three years, he grew the company from under $18M in revenue to over $150M in revenue and $30M EBITDA. In 2009 Rick joined the board of FSV Payment Systems, a payments processing company located in Jacksonville Florida. Shortly thereafter Rick became the company’s CEO, where he successfully turned the company around, and in 2012 the company was sold to US Bank. In 2013 Mr. Savard joined forces with UniRush as Executive Chairman and later became CEO and Chairman. Confidential and Proprietary Information - Do Not Share or Distribute

LET’S MOVO!!! 17