www.moip.com.br

Company Profile:

MoIP is a service which allows any person (natural or artificial) to receive payments in the internet. In a quick, easy and intuitive manner, users qualify to receive all means of payment available on the MoIP platform (debit cards, credit cards – cash or in installments, online debit, automatic debit, bank financing, and bank payment slips).

MoIP provides all which is necessary for a salesperson to be successful in internet sales.

01. Credibility Brazilians are afraid to enter their credit card or bank account data in small sites. With MoIP, payment is made through a secure environment, and the client can also count on a purchase protection program;

02. Convergence, providing various means of payments to increase conversion (from site visits into actual sales);

03. Professional approach, with the integrated and automated sales process through MoIP, the user has, in real time, control of all his sales and is able to follow up receipt management. This helps his in the logistics delivery process, and in receipt management;

04. Cash Flow, allows for the carrying forward of payment to store operator in up to 2 days, regardless of the means of payment chosen (including credit cards).

Business Model:

Distributor of Means of Payment . MoIP, using the internet as a facilitating medium, purchases payment services from banks and credit cards, and resells them to its clients.

Services Provided:

• Integration with all means of payment – debit, credit cards, online credit, automatic debit, and bank payment slips – as from only one technological integration;

• Providing of all means of payment with no need for own affiliation with administrators and banks (bureaucracy-free);

• Risk management and transaction analysis;

• Integrated administrative tool for online management and control of receipts (management of all means of payment in a single interface);

• Automatic return on payment status;

• Recurring Payments;

• Remittance of cash – which creates the possibility to develop solutions which need automatic remittal or payments (commission, for example);

• Micro-payments;

Synergy with portfolio companies:

• Zura: Commercial partnership;

• Braspag (divested): Operating Agreement;

• TrinnPhone: Telephony.

Additionally, the positioning and flexibility provided by MoIP creates opportunities for innovative business in web 2.0.

Technology

The most complete and flexible solution for payments in the Brazilian market. By means of API (Application Programming Interface) it enables a client to develop any business model which involves exchange of cash through the internet.

Strategy:

• Being the most flexible tool in the market;

• Providing a wide range of means of payment;

• Creating a network of partners/developers;

• Render internet financial transactions simpler, more intuitive and secure;

• International expansion;

Competitive Advantages:

• Technical/operating capacity to take advantage of all web 2.0 opportunities. A technological platform geared to collaboration which allows users themselves to adapt MoIP to their specific use;

• A corporate structure turned to service excellence. All suggestions and demands are actually taken in earnest and end up by building up an easier and intuitive navigation environment for the clients;

• Developer Partner Network : the developers who create MoIP-integrated tools gain financial return n the transaction intermediated by its module, which encourages expansion of network and of integrated modules;

• Business Model 100% variable and independent of monthly payment collection and a minimum of transactions. The receiver/salesperson pays the rates only upon receiving payment;