Mobile Payment System SENDY – the only Payment System in Russia for performing transactions using a (payments / transfers), based on QR-code technology.

Operator of the Payment system: LLC "Digital Payment ”, Licensed by the Central Bank of Russia (No. 0035) since September 30, 2014.

Settlement Bank: “SKS Bank” LLC, first rated private and commercial bank (MKB Group) General Banking License (No. 3224) dated July 9, 2014.

Fin. Te c h company focused on providing innovative services and solutions.

Represented in the EU: "Digital Payment s.r.o." (ICO 01868501), Payment Institution License, issued by the Czech National Bank on May 11, 2017.

BACKGROUND ABOUT US • Unlike traditional banks, our main Business is development of QR-based financial services (money transfers, payments, acquiring, etc…)

• We also offer fin. Te c h solutions and are developing our own lifestyle services – marketplace, messenger functions, pass-through identification system Open ID • The strongest and most stable technical solutions • Integration with most cash register vendors • Central Bank of Russia support – acknowledged SENDY as ‘Nationally Significant Payment System’. The corresponding entry was made to the register of payment system operators on the 2nd of April 2018. • High Liquidity – merchant settlement strictly on the next working day (T+1) with no delays • Payment scenario is identical to Asian/Chinese QR-code based payment systems – online / offline payments + P2P transfers • Large Area and Merchant Coverage across Russia (variety of industries in many cities) – more than 80% market coverage

OUR COMPANY STRENGTHS 19

23

586 45

1751 13 12

16 10 302 19 21 18 14 Market presence in 3/4 out of all regions 17 across Russia – accomplished within 2 19 13 11 15 years. Highest coverage of main cities, 16 46 18 17 such as Moscow and St. Petersburg 23 27 . 13 12 29 16 19 34 23 18 11 15 21 9 24 15 26 18

16 17 23 20 75 20 48 59 32

23 45 13 36 56

MERCHANT COVERAGE ACROSS RUSSIA INDUSTRIES & MERCHANTS

Industry Number of Key Merchants Merchants in progress (signing agreement Merchants stage) on-board 11 Beauty & Cosmetics Golden Apple / Sephora / Ile de L’e t o i l e / MAC / Body Shop / Natura Siberica / (3500 stores) Beaute / Rive Gauche Erborian / Jo Malone

Department Stores 3 TSUM / GUM / DLT Europeiski Mall / Crocus City Mall (we have (1900 stores) agreed with the owners of those malls to get all the Merchants o board – more than 2000 merchants, who will get WeChat Pay on board in all their other locations across Russia) Fashion 40 Rendez-Vous / Furla / TJ Collection / Victoria’s Secret / UNIQLO / United Colors of (2100 stores) Samsonite / TUMI / JAMIL.CO (New Benetton / US Polo Balance, Salvatore Ferragamo) Luxury Segment 50 Mercury Group (Gucci, Armani, DIOR / Chanel / Louis Vuitton (800 stores) Balenciaga, Burberry / Chopard / Dolce Gabbana / Hublot / Lanvin / Va l e n t i n o / TO D ’s ) INDUSTRIES & MERCHANTS

Industry Number of Key Merchants Merchants in progress (signing agreement Merchants stage) on-board DUTY FREE 3 companies DUFRY / Reg Staer / Travel Retail Heinemann (2000 stores) Entertainment 8 Panorama 360 / Multicket Russian Circus / Bolshoi Theatre / Zaradiye (150 stores) Park / Park Kulturiy / Moscow Boat trips

Supermarket Chains & 5 Azbuka Vkusa / Daily Food / Magnolia Diksi / Lenta / Vkus Ville / Aushan / X5 Retail Pharmacies (1600 stores) / Bakhetle / Supermarket July Group (Perekryostok, Petyorochka, Karusel) / 36.6 (hugest pharmacy chain) / Gorzdrav (big pharmacy chain)

Restaurants (F&B) 35 Chinese News / Kimchi / Druzhba / NOVIKOV Group / GINZA Project Group / (350 points) Grabli White Rabbit / Mu-mu / Coffeemania / Starbucks Fast Food KFC / Burger King / McDonalds / Shake Shack INDUSTRIES & MERCHANTS

Industry Number of Key Merchants Merchants in progress (signing agreement Merchants stage) on-board 5 Hotels (500 points) Cosmus Group / Brosco / Aerosleep Radisson / Raffles / Azimut / Korston / Art Moscow / Vega Hotel Government Services www.gosuslugi.ru (aggregator of social bill (Taxes / Bills) payments) / Russian Mail Tra n s p o r t ( A i r l i n e s / 3 Ural Airlines / S7 Airlines / Russian Aeroflot / Aurora / Russian Metro / Taxi Railway Services / Taxi / Metro) (800 points) Railway Services Outlets 1 VNUKOVO Outlet Village Pulkovo Outlet / Belaya Dacha Outlet (200 stores) Jewelry & Souvenir 64 Soyuz Jewelry / Estet / Amber / Bazar / Pandora / Swarovski / Sunlight / Swatch Group Shops (1100 stores) Ya n t a r Russia / De Beers

* Integration with the main large chain merchants is in process. By the end of the second quarter of 2020, we plan to have 400 000 on board! SENDY – PROVIDERS OF WECHAT PAY AND IN RUSSIA SENDY – PROVIDERS OF WECHAT PAY AND ALIPAY IN RUSSIA SENDY – PROVIDERS OF WECHAT PAY AND ALIPAY IN RUSSIA Services catalog Bank transfers Payment for TV, utilities, By phone / account internet, phone number and requisites

Instant cross-border Payment via QR-code money transfers Offline and online without commission Cash withdrawal through QR-code

Bank accounts and E-commerce loyalty cards in one Online store, coupons application and bonuses

SENDY’S LOCAL RUSSIAN WALLET Direction 1: Chinese direction. Acquiring business (currently for WeChat Pay, AliPay) + potential for future emission of WeChat wallets for Russian users.

Direction 2: SENDY as a national e-wallet and mobile app. for local Russian citizens (B2C)

Direction 3: Fin. Te c h services and solutions (B2B)

Direction 4: Provide a high quality service for all tourists, by giving them the opportunity to pay in Russia, using their preferred local payment method (i.e. their own local e-wallet)

Direction 5: Europe expansion - Launching our Payment System TESLA Pay and servicing Chinese tourists in the Czech Republic. SENDY’S STRATEGY • Integration of Sendy wallet into WeChat for Russian users.

• Allowing Russian users to use WeChat not only as a messenger, but as a payment tool too.

• Sendy will become part of the WeChat ecosystem/platform, providing Russian users with a bridge between lifestyle services and payment opportunities.

• In future – opportunity for Russian users to make payments in China + opens the door for Sendy to WeChat wallet money transfers.

SENDY WALLET WITHIN WECHAT • Represented in the EU: "Digital Payment s.r.o." (ICO 01868501), Payment Institution License, issued by the Czech National Bank on May 11, 2017.

• Operators of WeChat Pay and Alipay in the Czech Republic

• TESLA Pay as a QR-based payment system for local Czech users

• Joining EMPSA (European Systems Association)

OUR PROJECT IN EUROPE – TESLA PAY CONCLUSION

EMPSA ASSOCIATION Asian Wallets: European Wallets: - AliPay China - Bancontact Payconiq - AliPay HK (Belgium) - Kakao Pay (Korea) - Bluecode (Germany, - Pay TM (India) Austria) - Easypalsa (Pakistan) - MobilePay (, - Touch n’ Go (Malaysia) Finland) - GCash (Philippines) - SIBS (Portugal) - Tr u e M o n e y (Thailand) - (Sweden) - Dana (Indonesia) - TWINT (Switzerland) - bKash (Bangladesh) - (Norway) Other Payment Systems (more wallets to join) Thank you for your Attention!