This is the presentation I gave at the Prepaid Press Expo, August 20th 2009 South of the Border – New Potential for Prepaid Products and Services By all accounts the area south of the U.S. border holds significant potential for providers of prepaid products and services. One estimate suggests that in Latin America alone there are 300 million underserved consumers with an aggregate annual, primarily cash-based spending power of $250 billion. Not only is this market a prime target for their own prepaid services, it is a financial benefactor of the Latino immigrants currently living in the U.S. and sending cash to family and friends. For prepaid and mobile phone providers, the market south of the border means an opportunity to reach beyond their domestic market for new sources of revenue. What are the products and services desired by this market? What is the size and potential? What should providers know about its demographics, business structure and social behavior to succeed? Are international mobile top-up and money remittance two applications that prepaid and mobile providers should be considering today? This market holds great potential for U.S. providers and this session will provide the details and insights necessary to succeed. Bruce Burke – Director of Business Development, iPayStation Oscar Munoz – President, Uni-Mas Vince Tozzi - EVP of Business Development, IDT Telecom

1. International Mobile Top-UpWorldwide Airtime Remittance Presented by Bruce Burke Director of Business Development

3. Airtime Remittance is similar to sending money, gift cards, or flowers

4. Money is taken in, balance is added to the designated prepaid mobile account in foreign country

6. Connectedness encourages reoccurring top-up transactions

8. In poorer countries, teens can only afford text, not voice package for mobile access

9. Customization, music, games, streaming, and location services result in higher ARPU

11. Total network access worldwide 761 million subscribers

12. Other network technologies include iDEN, WCDMA, CDMA 2000, TDMA and variations

14. International Mobile Top-Up

16. 1 in 50 Africans had a mobile phone in 2000, now 28 % of the population has a cellular subscription

18. Net-enabled mobile devices will drive the global online trend, surpassing the desktop PC as the primary means of accessing the internet by 2012

20. Greater access to information and resources – entire infrastructure improves

21. Improved economic dynamics with mobilized workers – equalizes countries

23. Availability of top-up services advertised to end-users via text, direct mail, and on providers TV, billboard, print and web advertising.

25. Network providers are seeking revenue from outside their borders

27. Remittance balance can be used to purchase and download music, games, applications and more.

29. Promotes the brand and integrates provider with culture icons and stars

30. Promotes energy and excitement around the brand – creates great spokespeople who win and tell!

32. Roads, signage, painting, lighting

33. Some carriers offer to paint homes and businesses in strategic locations throughout footprint

35. Safety programs, alert broadcasting, emergency supply information and mobile money donations to help poor

38. No requirements of remitter or end-user, no trainingnecessary, simple alerts and receipts

39. Platform services provide the transaction, messaging, and reporting of remittance

42. Several International operators have roaming agreements with U.S. networks IE: Movistar customers can roan on T-Mobile network in the USA

44. Continued development of high speed data networks coupled with capable mobile devices and applications can greatly benefit world growth and change

45. Open mindedness and assimilation – looking for similarities rather than differences between two cultures