VSMP Handbook TEL.mobi Group 2 INTRODUCTION AND FOREWORD This document has been drawn up to assist persons at Eligible Entities who wish to Establish a VSMP. The objective of this document is to describe all aspects of the TEL.mobi Group’ Products, Services and Facilities, and all aspects of the TEL.mobi Group’s VSMP Program clearly. This is to inform persons at Eligible Entities, and is to assist, on an ongoing basis, Contact Persons at Eligible Entities that have Established VSMPs (because it can always be referred back to by Eligible Entities’ Contact Persons). This document can be read online or a copy printed out – at any interested party’s choice. It is available as a PDF, to view or download, at the top right of the “Apply for an Affiliate (VSMP)” Facility page on any TEL.mobi Group or VSMP site. This Document has all necessary information on all aspects of the TEL.mobi Group, its Product Suite and the VSMP Program. It is indexed in the Table of Contents. To enable immediate access to the subject / topic of interest directly. The TEL.mobi VSMP Program is one of the most popular and fastest-growing Programs internationally. This is because it: 1. Does not require any cost or investment to Establish a VSMP. 2. Generates substantial additional revenues (via Commission Donations) for Eligible Entities at zero cost to them. 3. Enables Eligible Entities to significantly broaden their existing Product / Services offering, and/or to cut their own costs within their own business activities. 3 4. Provides the Eligible Entities’ existing clients / members / users with a set of high-quality Products, Services and Facilities that substantially reduces their costs for equivalent services elsewhere. The TEL.mobi Group’s VSMP Program has previously been called the world’s largest high-revenue multi-product Franchise Group – that gives all of the Franchises and Franchise equipment, stock and administration & management tools to the Franchisees for free. This is not, however, how Webtel.mobi – the Driver of the TEL.mobi Group – sees it. We see it merely as an example of how all persons and entities within the TEL.mobi Group – being the Driving Company Webtel.mobi, the Independent Agents and the Eligible Entities that receive VSMPs – work together to pool their resources as a Team, in order to bring the highest-quality service to TEL.mobi Group Members at the lowest possible cost. In other words, a real example of what responsible and ethical business can produce. The TEL.mobi Group has structured its VSMP Program to be as inclusive and helpful as possible. There are no costs, equipment or other arduous requirements for Eligible Entities to establish and start utilizing their VSMPs. Other than this, a comprehensive range of easy-to-use online tools and resources are provided to and for Eligible Entities’ Contact Persons at no cost, specifically to make all the processes, administration, management and monitoring of their VSMPs intuitive and easy. Furthermore, there is no pressure on VSMPs to achieve any minimums or maximums of anything. The Program is structured so as to cater for all Eligible Entities – whether they wish to promote and drive it robustly or in a more relaxed manner, at their own choice. Having read this VSMP Handbook, all that you need to do now to become part of one of the fastest- growing and most inclusive Programs in the world, and provide and additional broad range of high- quality and revenue-generating Products, Services and facilities to your existing clients / members / users / other is just go to the “Apply to for an Affiliate (VSMP)” facility on your TEL.mobi Account, and click the Green Button. The Management Team of the TEL.mobi Group thanks you for your interest in Establishing a TEL.mobi Group VSMP, and we look forward to welcoming your Eligible Entity’s VSMP as part of the TEL.mobi group whenever it suits you to do so. 4 TEL.MOBI GROUP VSMP HANDBOOK The content of this Handbook is indicative information. The TEL.mobi Group environment is dynamic, and this information and/or situations described herein may alter at short notice, prior to the TEL.mobi Group being able to update this document. In such cases, until the document is updated, the situation as altered will be applicable and supersede the information in this document. 5 Table of Contents Section and Chapter Page SECTION 1 – PRODUCTS, FACILITIES AND SERVICES 24 OVERVIEW OF WEBTEL.MOBI AND THE TEL.MOBI GROUP 25 Overview of Webtel.mobi and the TEL.mobi Group 26 A. Webtel.mobi – Overview of the Company and Service 26 B. The TEL.mobi Group – Overview 27 DESCRIPTION OF THE TEL.MOBI GROUP’S PRIMARY TELEPHONY SERVICES 28 Description of the TEL.mobi Group’s Primary Telephony Services 29 A. Mobile Calling and Texting Services 29 B. Landline Calling Services 30 C. Satellite Phone Calling Services 30 D. Specialized Calling and Texting Facilities 31 E. Universal Number Calling Facility 33 F. Switchboard Facility 35 UNIQUE ADVANTAGES AND ATTRIBUTES OF THE TEL.MOBI GROUP’S PRIMARY 36 TELEPHONY SERVICES Unique Advantages and Attributes of the TEL.mobi Group’s Primary Telephony Services 37 A. Unique Advantages of the TEL.mobi Primary Services 37 B. Unique Attributes of the TEL.mobi Group’s Primary Services 39 C. Summary of the TEL.mobi Group’s Primary Services 44 D. The TEL.mobi Group’s Internet-Initiated Telephony Services 45 6 DESCRIPTION OF THE TEL.MOBI GROUP’S TELEPHONY-SUPPORT SECONDARY SERVICES 46 Description of the TEL.mobi Group’s Telephony-Support Secondary Services 47 A. TEL.mobi Group Top-Up Voucher and Top-Up Facility 48 B. TEL.mobi Group Currency Wallets Facility 50 C. TEL.mobi Group Currency Conversions Facility 51 D. TEL.mobi Group Top-Up Transfers Facility 53 E. TEL.mobi Group ITAN Number Facility 55 F. TEL.mobi Group Refund Transfers Facility 56 G. TEL.mobi Group Multi-Number Account Facility 57 H. TEL.mobi Group Itemized Per-Second Billing Records in Real Time 57 I. TEL.mobi Group Transactions History Facility 58 J. TEL.mobi Group Account Blocking and Unblocking Facility 59 K. TEL.mobi Group “Know Your Client” (KYC) Upload Facility 60 L. TEL.mobi Group Secure Contacts Storage Facility 60 FLOW, USE & SWAP OF STORED CREDIT – THE “MEMBERS-ONLY” AND “CLOSED LOOP” 61 STRUCTURE Flow, Use & Swap of Stored Credit – The “Members-Only” and “Closed Loop” Structure 62 A. Overview 62 B. TEL.mobi Group Stored Credit Inward Flow 1 of 2 64 Loading of Account by a TEL.mobi Group Member C. TEL.mobi Group Stored Credit Inward Flow 2 of 2 66 Acquiring of Electronic Top-Up Vouchers by TEL.mobi Group IAs / VSMPs D. TEL.mobi Group Stored Credit Use 1 of 1 68 Members Mobile and Landline Calling / Mobile Text Sending E. TEL.mobi Group Stored Credit Swaps 1 of 2 69 “Mobile Operator Stored Credit Swaps” / “MOSCS” between Members F. TEL.mobi Group Stored Credit Swaps 2 of 2 75 Currency Conversions between Member’s Currency Wallets G. TEL.mobi Group Stored Credit Outward Flows 1 of 1 77 Members’ Stored Credit Refund Transfer System 7 STANDARD DIRECT CARRIER BILLING SERVICES & DIRECT-TO-MOBILE-BILL SERVICES – 80 OVERVIEW Standard Direct Carrier Billing Services & Direct-to-Mobile-Bill Services – Overview 81 THE TEL.MOBI GROUP’S VIEW OF STANDARD DIRECT CARRIER BILLING & DIRECT-TO- 85 MOBILE-BILL SERVICES The TEL.mobi Group’s View of Standard Direct Carrier Billing & Direct-to-Mobile-Bill 86 Services OVERVIEW OF THE TEL.MOBI GROUP’S FIRST-MOVER “ICLM” DIRECT-TO-MOBILE-BILL 88 SERVICE AND “TITAN” SYSTEM Overview of the TEL.mobi Group’s First-Mover “ICLM” Direct-to-Mobile-Bill Service and 89 “TITAN” System A. ICLM Service Overview 89 B. ICLM Transactions Overview 91 C. The “TITAN System” Overview 92 D. Setup and Advantages of the TITAN System for ICLM Transactions 94 COMPARISON – STANDARD TELCOS’ DIRECT-TO-MOBILE-BILL SERVICES, VERSUS THE 95 TEL.MOBI GROUP’S FIRST-MOVER ICLM DIRECT-TO-MOBILE-BILL SERVICES Comparison – Standard Telcos’ Direct-to-Mobile-Bill Services, Versus the TEL.mobi 96 Group’s First-Mover ICLM Direct-to-Mobile-Bill Services A. Background – “Stored Credit” 96 B. Loading Stored Credit onto a Prepaid Telephone Account 97 C. Primary Services Provision for Stored Credit and/or Funds 99 D. Secondary Services Provision for Stored Credit and/or Funds 100 E. Stored Credit Limits 102 F. Stored Credit Refunds 103 G. Summary 106 8 THE ICLM SERVICE IS A BETTER ALTERNATIVE AND/OR ADDITION TO MANY COMMERCIAL 107 PRODUCTS AND SERVICES The ICLM Service is a Better Alternative and/or Addition to many Commercial Products 108 and Services A. The ICLM Service is an Alternative to Debit Cards / Prepaid Cards 108 B. The ICLM Service is an Alternative to “Cards on Phones” 110 C. The ICLM Service is an Alternative to many “FinTech” Companies 112 D. The ICLM Service is an Alternative to Remittances Companies 114 E. The ICLM Service is an Alternative to Money Transfer Companies 116 F. The ICLM Service is an Alternative to Payment Gateways 117 G. The ICLM Service is an Alternative to Forex Conversion Companies 118 H. The ICLM Service is an Alternative to Travel Money Cards 119 I. The ICLM Service is an Addition to Travel Money Card Companies 119 J. The ICLM Service is an Alternative to Bureaus de Change 120 K. The ICLM Service is an Addition to Bureaus de Change 120 L. The ICLM Service is an Addition for Letter of Credit Companies 121 M. The ICLM Service is an Addition for Escrow Companies 123 N.