EPAY COMPANY PROFILE

VNPT ELECTRONIC PAYMENT JSC

COMPANY PROFILE VNPT ELECTRONIC PAYMENT JSC

CONTENTS OVERVIEW VISION - MISSION - CORE VALUES BOARD OF MANAGEMENT 10 YEARS' ACHIEVEMENTS PRODUCTS - SERVICES STRATEGIC PARTNERS

VNPT EPAY provides Partners and Customers with electronic payment solutions, collection & disbursement support services for consumer finance, e-commerce, online service, insurance, digital goods, logistics, etc. We have been thriving and developing services and solutions of intelligence, high security & applicability and diversity to add value to the business of Partners and Customers.

VNPT ELECTRONIC PAYMENT JOINT STOCK COMPANY Established in 2008 Charter capital: 120 billion VND Key shareholders: VNPT (35%), UTC (65%) Head office: 3rd Floor, Vien Dong Building, 36 Hoang Cau, O Cho Dua Ward, Dong Da District, Hanoi.

Hotline: 1900 6470 Website: vnptepay.com.vn

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VISION EPAY is a payment gateway integrated with a diversified service ecosystem and payment methods to help partners enhance the quality of service provided to customers.

MISSION Society EPAY provides convenient payment services, contributing to enhance the quality of life and drive the progress of the society

Shareholders EPAY brings about effective and long-term shareholder engagement

Customers EPAY provides credible services and endeavors to maintain a sustainable cooperation and on-going companionship with Customers

MISSION - VISION

Employees EPAY creates a professional and friendly working environment with the best promotion opportunities and compensation for employees and is where each person is recognized, understood and fairly treated

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Signifying your life

Help positioning

Improve trust by sharing

Newer everyday

All of us do exist, but we should

QUALITY is a prerequisite to help

EPAY shares the benefits,

For EPAY, creativity just helps to

EXPERTIZING is in a systematic,

LIVE. “How we live� makes us

us stay firm in a competitive and

advantages, hardship,

create a better you every day to

comprehensive, modern and

stay distinguished from others

constantly changing market

opportunities and challenges with

be able to cope with all the

effective way. Being expertized helps

customers, aiming at a long-term,

changes and seek for challenges.

you develop yourself, enhance

Expertizing from the smallest

extensive and sustainable

organizational values and quickly

relationship of mutual benefit.

adapt to all changes.

CORPORATE CULTURE 05

BOARD OF MANAGEMENT KIM JEHEE

JANG KI HUN

“Top expert with 25+ years of experience in payment and financial industry”

“Banking Business and IT Expert”

General Director

Deputy General Director

Dongkuk University (Korea) - Bachelor of Business Administration Dongkuk University (Korea) - Master of Business Administration

DanKook University (Korea) - Bachelor of English Literature

Financial industry - SHINHAN Bank (Korea) : IT Division - SHINHAN Card (Korea) : IT Division Payment industry - KG INICIS (Korea) : CTO - NHN GODO (Korea) : Executive Director - VNPT EPAY (Vietnam) : Vice CEO

Financial Industry - Shinhan Bank(Korea/USA) : Biz, IT - NH Bank : Global biz strategy IT industry - IBM (Korea) : Managing Consultant - Will be-Solution (Korea,Vietnam) : Vice CEO

- IT experience in a leading bank and credit card company in Korea - CTO and new business development at KG INICIS, top payment gateway company in Korea - CTO and business executive at NHN GODO, payment platform company of NHN group - Top expert both in business and technology of the field for 25 years

- Banking Business(Sales/strategy) - ISP(information Strategic Planning) - Global network/Biz experience (Korea, USA, Vietnam, Indonesia) - Business Development Expert

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BOARD OF MANAGEMENT WOO JIN JAE

Chief Technology Officer “Experience in Vietnam, USA, and Korea both in business and technology”

DO DUC CONG Chief Customer Officer

“8-year experience in Payment Online & Finance Service ”

VU HUONG LAN

DO KHAC BINH

18-year experience of HR management

“20 years of experience in Accounting & Finance.

Of which 6 years of experience in technology companies”

Chief Human Resources Officer

University of California, San Diego - Bachelor of Science in Computer Science

National Economics University, Viet Nam - Bachelor of Business Administration

Hanoi Law University - Bachelor: Justice and public administration

IT industry - ATOM (USA) : Software Engineer - Will Be Solution (Korea) : Consultant - Will Be Solution (Vietnam) : Consultant

Payment Industry VNPT EPAY: Business Development Manager Finance & Ecommerce Services - VNPT EPAY: Business Development Manager

HR Industry - North Kinhdo Food Joint-stock Company: HR team lead - Nettra International Investment & Trading Co., Ltd (NETTRA) : Head of HR department

- Payment Services (Sales/ Business Development) - Financial industry (Sales/ BD/Product Owner) - Various projects in Ecommerce (BA/Product Owner): with Lazada, Tiki, FE Credit, HomeCredit

- 6-year experience of HR management in manufacturing field with company size of 1000 employees - 6-year experience of HR management and internal supervision in Financial investment, retail and real estate - 7 year experience of HR management in electronic payment field

- IT experience in financial and video processing industry - 4+ years IT and business experience in Vietnam - State Bank of Vietnam DW/BI project - Vietnam Social Security DW/BI consulting project - Various projects in financial industry

Chief Finance Officer

National Economics University, Viet Nam - Master of Economics - Bachelor of Corporate Finance

Financial Industry - ViViet E-wallet: Chief accountant - Direct-Money: Finance Manager - CICDATA: Finance Manager

- Financial Projections - Cashflow Forecast - Budgetting

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EPAY – A 10-YEAR JOURNEY

FOUNDED

EQUITY INCREASED

DEVELOPMENT

Established by major shareholders VNPT, Mobifone and some other small shareholders

VMG as a shareholder invested in VNPT EPAY, raising the total charter capital to VND 80 billion

Revenue: 2,050 billion. EBT grew by 270%. Rank first in the market share of online payment via prepaid card. Build and promulgate Corporate Culture.

AFFIRM Revenue: 3,800 billion. EBT grew by 40%. Megacard.vn ranked first in market share.

Best reseller of Mobifone, Viettel & Vinaphone.

2017

2016

SUCCEED

2015

2013

2011

2008

Revenue: 6,700 billion. EBIT grew by 52%. Be granted official license for payment intermediary.

Develops services for Finance and E-commerce segments.

OCCUPY

2012

DRAMATIC SHIFT

2010

LICENSE

Revenue: VND 2,100 billion.

EBT grew by 40%. Rank first in the market share of Topup service. Be the best reseller of Mobifone, Viettel & Vinaphone.

Launch Megacard.vn payment gateway.

2014

Be 1 of the 9 companies obtaining pilot license for intermediary payment service

Revenue: VND 1,200 billion. Be profitable for the first time. Vigorously change from providing package solutions to banks to providing online payment platforms for businesses.

SUCCEED Revenue: VND 8,080 billion. EBIT grew by 32%. The services to serve Finance and E-commerce segments make up 30% of market share. UTC Investment Company became the biggest shareholder of EPAY with the deal’s value of approximately USD 40 million.

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Payment services MegaV ewallet Megapay gateway

Support services for banks and consumer finance Offline collection service Collection support through Special Purpose Account Disbursement support service Document collection service

Support services for E-commerce & Logistics Shipantoan.vn logistic portal COD delivery

Digital goods Topup service

PRODUCTS & SERVICES 09

PAYMENT SERVICES

Shorten the transaction time, accelerate sales revenue, diversified payment methods.

With over 10 years of development, EPAY provides online payment service for online games, digital

MEGAV EWALLET

MEGAPAY GATEWAY

An account with electronic balance equivalent to real money which is built and developed by EPAY. MegaV is used in online payment for services integrated with e-wallet.

Provide a package solution that connects several online payment methods such as prepaid card charging, SMM short code, payment via domestic banks and international card organizations.

content and e-commerce

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PAYMENT SERVICES

Payment through 37 domestic banks & international cards

Over 1 million users

5 biggerst Telcos: Viettel, Vinaphone, Mobifone, Vietnam

The unique e-wallet customized by partner’s demand

Professional customer support

Diversified affiliated products /services

Integrated with several payment methods

Official license granted by State Bank of Vietnam

Quick & accurate professing of transactions, adapt to large transaction volume

Diversified affiliated products /services

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SUPPORT SERVICE FOR BANKS AND CONSUMER FINANCE

OFFLINE COLLECTION SERVICE

Support Partners to collect payment from Customers through chains, Points of sales nationwide connected to EPAY such as Mobile World, VienthongA, FPT Shop, etc

COLLECTION THROUGH SPECIAL PURPOSE ACCOUNT

Help Partners to expand collection channel through bank account system provided by EPAY EPAY develops an ecosystem of support services for Banks and consumer finance in each phase of the business process.

DISBURSEMENT SUPPORT SERVICES

Instant interbank funds disbursement and cash disbursement at bank counters with the highest speed, availability and credibility

Such services as document collection, money disbursement, money collection help to accelerate business speed, optimize cost and enhance

DOCUMENT COLLECTION SERVICE

A service for collection of records, door-to-door documents, suitable for installment services, card issuance, mobile subscriber registration

competitive advantages.

Have technological and financial capacities as well as experiences in payment area in large scale

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SUPPORT SERVICE FOR BANKS AND CONSUMER FINANCE

OFFLINE COLLECTION SERVICE

DOCUMENT COLLECTION SERVICE

- Wide coverage over 63 provinces and cities (to districts and communes), more than 8,000 stores and bank counters - Transaction till 22:00 - Adapt to transaction value of over 2,000 billion/month - Automatic reconciliation and complaint settlement

- Supported at 25 provinces & cities & non-stop expanding collection destinations - Document processing (TAT) within 1 to 3 days - 100% accurate evaluation of documents & records - Modern management tools with transcendent

DISBURSEMENT SUPPORT SERVICE

COLLECTION THROUGH SPECIAL

- Cash disbursement at 2,500 bank counters to even districts and communes - Instant interbank funds disbursement to accounts of over 40 banks - Swift, secure & accurate transaction - No daily transaction limit - Simple API connection

PURPOSE ACCOUNT - Facilitate Partners with means of collection through special purpose account system assigned by EPAY - Each special purpose account is assigned to each ContractID/CustomerID, helping Partners to optimize the management of receivables in a simple & effective manner

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SUPPORT SERVICES FOR E-COMMERCE AND LOGISTICS

SHIPANTOAN LOGISTIC PORTAL

A website providing freight forwarding service to small and medium e-commerce enterprises and individual business households

EPAY provides services to support e-commerce and logistic partners to increase competitive advantage, diversify payment methods and save operation expense in order to drive business efficiency.

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SUPPORT SERVICES FOR E-COMMERCE AND LOGISTICS

Cooperate with several logistics partners in Vietnam Clear report management system with necessary features & utilities Quicky meet withdrawal demand upon customer request.

Receive COD transferred swiftly upon a successful delivery User-friendly, easy to use Professional customer support

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DIGITAL GOODS

TOP-UP SERVICES Provide softpins (card PIN numbers), game card number or direct (airtime) topup to customer’s account based on a modern technology foundation. Easy integration and utilization

EPAY provides digital goods and digital services to meet the diversified requirements of customers with optimal features.

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DIGITAL GOODS

The biggest online Topup provider in the market Full of prepaid cards & Telcos & game publishers in the market: Viettel, Mobifone, Vinaphone, Vietnammobile, Gmobile, Vcoin, Sohacoin, Apota, Zing, Garena, Oncash.

Ensure sufficient warehouse 24/7, no transaction limits Professional stock alert system & customer support Diversified selling methods: connection via API, direct access to thanhtoan247.vn, megacard.vn, megav.vn Over 3,000 merchants nationwide

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STRATEGIC PARTNERS

TELCO

BANK

FINANCCE

RETAILERS

E-COMMERCE

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