THE HISTORY OF THE COMPANY

EXECUTIVE SUMMARY

We’re ModifiersCall us masters of

simplification! The philosophy behind our

business is customization:

Our TeamWe start by understanding the needs of every merchant and match them with the best low risk/high risk solution at a competitive price.

Our ServiceThe company’s main

objective is to meet the needs of e-commerce

merchants worldwide by providing a wide assortment

of payment solutions tailored for the online environment.

SolutionsThe ultimate mantra of the business scenario: delivering peace of mind to our clients.

OBJECTIVE: PAYMENT SOLUTIONS UNITED

EXPERTISE AND FLEXIBILITY

The leverage provided by our 10 years of experience in the online payment industry combined with valuable expertise in complementary areas makes our business mode highly flexible, market responsive and adaptable.

KEYS TO SUCCESS

COMPANY SUMMARY

Delkimo Wealth Limited doing business as payMATRIX has been registered in May 2014 in Seychelles.

The address of our headquarters is at: Suite 3, Global Village, Juvan’s Complex, Mont Fleuri, Mahe, Seychelles.

payMATRIX’s capital derived from the shareholder’s personal funds and it represents 2,000 GBP divided into 2000 ordinary shares of 1 GBP each.

The shares are divided fairly between the two partners who have also each covered 50% of the 280,000.00 EUR initial investment.

ORGANIZATION CHART

REFERRAL PROGRAM

TEAMING UP WITH US: THE COMPLEXITY OF A SUCCESS STORY

Network of Partners

Referral Program

Part of our business philosophy is to extend our Partnership Network. We constantly research and monitor acquiring banks and other Internet Payment Service Providers and this is how we provide the best balance between fees and customer service.

Vision

AnalysisOur Referral Program brings together old business relationships and new contacts established in the past years as a direct consequence of our brand recognition.

In order to expand our reach, we rely on a collective network of partners that help our organization market the product internationally.

Most of our referral partners are well connected individuals willing to go the extra mile to attract and convert clients.

The possibility to run our Referral Program as their own business triggers the entrepreneurial spirit of our partners and the above-the-market commission plans show our commitment to a mutually beneficial relationship.

Our impressive range of payment options, payment features and banking connections were and continue to be the trigger that attracts our referral partners and their clients to our all-in-one solution.

MAJOR CUSTOMERS

In 2010, cards were one of the most preferred non-cash payment instruments globally, with an estimated 55.8% of the global non-cash payments routed through cards.

Some of the primary factors leading to the high growth of cards usage may include: increased acceptability of cards; growth of e-commerce; industry collaboration, and government support global legislation for limiting cash payments.

Due to these factors many brick and mortar merchants are transitioning or will transition into online merchants, giving us the opportunity to work with great customers such as: accesories4cells.com, happypetz.com, bestsalesoffers.com and thestocktradersite.com.

DETAILS ABOUT THE COMPANY

Address

Capital

Company capital is: 100,000 MAD.

Referring Agents

The number of agents that have referred

merchants to us while working with CMI was

37.

TurnoverOur strategic alliance with CMI generated a turnover of 55 Million USD

WPS’s offices can be found at: 20 Res Sara 5th Etg Bd Prince My Abdellah Angle Bd Pasteur Chez La Ste ”North Business Consulting”s Tanger, Morocco.

INFORMATION ABOUT THE PLATFORM

TECHNICAL AND FUNCTIONAL ARCHITECTURE

Active/active data centers in two separate buildings, cross-connected by redundant 40 Gbit/s fibre channel

Fully automated BGP failover between center 1 and center 2 (no customer impact)

Near-real-time data synchronization to DR site (WAN limitation) DNS failover to DR center – no customer changes required Data centers provide N+1 redundancy for cooling and power Double redundancy for Internet connectivity (redundant connection per

site and between sites) Permanent tests of DR center application and receiver connections (QA

monitoring) Redundant connections to all receivers (banks, acquirers, etc.)

HIGHEST RELIABILITY

Permanent Active/active synchronization between site 1 and site 2

Over 16,000 cross-functional monitors running 24/7 – 365 days a year

20 independently located external monitoring requests per minute per site

No hardware-related maintenance windows: virtual motion of system components between sites (no customer impact)

HIGHEST AVAILABILITY

Cross-site private cloud via cross-site synchronized SAN and blade infrastructure

Fully virtual server architecture (application servers, load balancers and databases)

Active/active multi-load-balancer set-up Maintenance-independent on-demand extension of disk, CPUs and RAM Already more than 300 application servers and over 20 TB of RAM in use On-demand cloning of system to provide specialized and independent

PaaS performance to high-volume customers

ULTIMATE SCALABILITY

Processing data centers are staffed 24/7 and are ISO 27001-, ISO 9001- and PCI DSS-certified

PaaS solution is fully certified according to PCI-DSS (v 2.0), level 1 Redundant multilayer firewalls; redundant Web-application firewalls Multi-node HIDS and NIDS in place; multilayer network design Anti-virus detection on all interfaces; physical and network separation from

corporate network Copy of live system for internal development, pre-live QA and customer

integration environment Automated security scans on any change to the LIVE environment (on all IPs,

ports and services,• application fingerprinting, tests on all services against OWASP Top 10)

HIGHEST SECURITY QUALITY

Payment Processing

Recurring billingChargeback reportingSmart transaction routingAutomated reports

:

Fraud Prevention

3D Secure processingInternal fraud prevention checksThird-party fraud prevention toolsActive Payment Method SelectionFraud prevention Connector

Global Coverage.

Connector on DemandAddition of new payment providersAlternative payment methodsMulti currency

• payMATRIX continuously works towards building a worldwide network of

industry and e-commerce suppliers to complement our business and our merchants’ businesses.

• Our key partnerships include bank partners, acquirers, Independent Sales Organizations (ISOs), agent resellers and so on. Each of our partnerships, through, both their know-how and best practices, complement our core competencies, thereby resulting in extra value to our merchants and a delivery of world-class service.

• Among our partners: China Union Pay, American Express, Austpay, Atlas Bank, Allied Wallet.

SUPPLIERS

THE FEATURES AND SERVICES OF THE PLATFORM

PCI Compliant Risk-Management & Fraud Tools E-Commerce & M-Commerce Dynamic Descriptor Multi-Currency Processing and Settlement Tokenization and Recurring payments Pre-auth and Capture transactions MOTO, Virtual Terminal (VT), Email Invoice, Batch Processing, QR

Pay 3D Secure

FEATURES

Utilize a payment infrastructure. Manage global sales through a single wallet payment system while

your sales channels multiply and grow. Maximize sales by utilizing our partnerships with other payment

engines. Process payments, real-time, batch or deferred processing, in most

currencies and most languages. Unite your payments infrastructure with another corporate

software platform. Reduce fraud, maximize transaction conversion, and cut down on

your operating costs with our excellent anti-fraud software.

SERVICES

Virtual Terminal support for MOTO sales. Plan, implement and optimize your payments strategy

with our experienced payments consultants. Real-Time transaction processing. Anti-Fraud protection technology. Secure Back Office reporting system. Direct on time funding to your bank.

SERVICES

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THANK YOU!

Email us at bizdev@paymatrix.com

For more information please visit our site

www.paymatrix.com