Corporate Profile

TableofContents

Introduction......................................................................................................................3
InternationalPartnersandCustomers.............................................................................4
Offerings............................................................................................................................6
MobileCommerceSuite................................................................................................6
MobileBanking/MobileWallet......................................................................................7
SmartMetering..............................................................................................................8
SecureVoucherManagement.......................................................................................9
OtherOfferings............................................................................................................11
AwardsandSuccessfulProjects.....................................................................................13
Awards.........................................................................................................................13
SuccessfulProjects.......................................................................................................14

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Introduction

BasedinthePhilippineswheremobiletopupandmobilebankingbegan,TelcomLive
Content,Inc.(TLCI)hasbeenaglobalpioneerinelectronicmobilerefillsolutionssince
2004.AsoneofthefirsttointegratesuccessfullywithERICSSONandHuaweiprepaid
billingsystems,TLCIssolutionshandle40milliontransactionsdailyin23countries.

TLCIs Mobile Commerce Suite, its flagship product, enables voucherless prepaid
account refill for its mobile operator customers that eventually result into higher
distributionefficienciesandsubstantialsavingsbyreplacingphysicalscratchcardsand
itsassociatedadministrativerequirements.Meanwhile,itsMobileMoneyproductwon
for its customer, ZAIN Group, the mobile industry's leading annual Global Mobile
Awards as the "Best Mobile Money for the Unbanked" in February 2010. The Global
Mobile Awards is an annual event held by the GSM Association honoring excellence
andinnovationinmobilecommunications.Theprestigiousprizerecognizeshowmobile
technology can enrich people's lives. This TLCI product currently services 12 million
customersin7Africannations.

ItsdedicationtoinnovationandresponsivenesstocustomerneedshaveenabledTLCI
to diversify into leading technologies, namely: Mobile Banking, Mobile Web
Communications, Smart Metering, Interconnect Billing and Settlement Systems, and
SecureVoucherManagement.

Itsprestigiousrosterofcustomersincludessomeoftheworldsleadingconglomerates
inthetelecomandserviceindustriessuchastheAirtelGroup,theEtisalatGroup,the
ZAINGroup,andIBM.

Recently, this quarter, it has added Globe Telecommunications Philippines Inc., the
second biggest telecommunications company in the Philippines, as one of its new
customers.GlobePhilippineshasprocuredTLCsservicesforthecreationofaVoucher
Bridgesolutionaninterimsolutionforthemigrationofitsvouchersystemfromthe
NokiaSiemensNetworkbasedsystemtotheAmdocsbasedvouchersystem.TLC has
recently participated in another Globe project involving the latters SIPbased service
Yo!ClickbyleveragingonitspreviousexperiencewithGlobeonthesameserviceafter
havingsuccessfullydemonstrateditsSIPbasedserviceinaProofofConcepttrialthree
yearsago.

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InternationalPartnersandCustomers

Etisalat is the Middle Easts largest operator and the GCCs third largest corporation.
With a market value of approximately Dhs. 80 billion (USD 20 billion) and annual
revenues of over Dhs. 32 billion (USD 8.7 billion) Etisalat is today on the verge of
qualifyingasoneofthetoptenoperatorsintheworld.

Etisalat is a multinational, blue chip organisation with operations in seventeen

countriesacrosstheMiddleEast,AfricaandAsia.Anestimated2millionpeoplebenefit
fromregularworksupplyingEtisalatoritscustomers,including53,000whoaredirectly
employedbythecompany.Etisalatnowhasaccesstoapopulationofmorethantwo
billionanditssatellitenetworkprovidesservicesovertwothirdsoftheplanetssurface.
SincethenthecompanyhaswitnessedrapidexpansionpositioningEtisalatasone of
theworldsfastestgrowingoperatorswithitssubscribernumbersrocketingmorethan
2,500%from4millionin2004to167millionattheendof2011.

Fornearly40years,EtisalathashelpedtheUAEsustainapositionastheregionshub
for business, trade and foreign investment by providing reliable and high quality
services. It is one of the global telecommunication industrys innovation pacesetters
poweringitshomecountry,theUAE,intothetoptennationslistbyprovidingthelatest
technologiesfirst.In2011,EtisalatreportedannualNetRevenuesofDhs.32.2billion
(USD8.7billion)andNetProfitsofDhs.5.8billion(USD1.58billion)rankingEtisalatas
the most profitable company in the UAE, and one of the most profitable telecoms
groupintheworld.in2012.

EtisalathasappointedTLCasastrategicpartnerin2012.

Airtel Africa provides mobile communication services in 16 African countries. Airtels

African operations are owned by Bharti Airtel Limited, a leading global
telecommunicationscompanywithoperationsin19countriesacrossAsiaandAfrica.

Airtelisdrivenbythevisionofmakingmobilecommunicationsaffordableforalltogive
people the freedom to meet their daily challenges and to drive economic and social
development. Airtel is making a positive impact in the communities in which it

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operates through extending its networks to rural areas and through its education
initiatives.

PriortoAirtelspurchasein2010ofZAINsAfricaninterests,TLCIsextensiverangeof
solutionshasbeeninplaceinallAfricanoperationssince2006uptothepresent.

FormerlyknownasMTC,ZainisapioneerofmobiletelecommunicationsintheMiddle
Eastbeingthefirstmobileoperatorinexistenceforovertwodecades.Today,ZAINisa
leading operator in the Middle East and North Africa covering 8 countries, namely:
Bahrain,Iraq,Jordan,Kuwait,Morocco,SaudiArabia,Sudan,andSouthSudan.

In 2008, ZAIN became the 4th largest mobile operator in the world in terms of
geographicalpresencewithoperationsin15Africancountriesandin7MiddleEastern
countries.By2010,ZainhadtakenthestrategicdecisiontofocusonitsMiddleEastand
NorthAfricaoperationsbydivestingitsAfricanintereststoBhartiAirtelLimitedinJune
2010.

TLCIsextensiverangeofsolutions hasbeenwidelyinstalledinZAINoperationssince
2006.

Originally founded in 1911 with headquarters in New York, USA, IBM is a renowned
multinationalservicescompanythatholdstherecordforthemostpatentsproducedin
19consecutiveyears.

In2012,FortuneMagazinerankedIBMthe2ndlargestU.S.firmintermsofnumberof
employees(433,362),the4thlargestintermsofmarketcapitalization,theninthmost
profitable,andthe19thlargestfirmintermsofrevenue.Globally,IBMwasrankedas
the31stlargestintermsofrevenuebyForbesfor2011.

Through its Indian subsidiary, IBM has outsourced its support activities to TLCI since
2010inmobilecommerceandininterconnectbillingandsettlementsystems.

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Offerings

MobileCommerceSuite

TheMobileCommerceSuiteprovidesaninnovativemethodofsellingprepaidairtime
distributionasacomplementarymechanismfromtraditionalscratchcardsorphysical
vouchers.Itallowstransferoffundsfromonedistributortotheenduserretailerand
eventuallytoconsumers.

Mobile Commerce Suite supports both retail (B2C) and wholesale (B2B) business
models. Designed in costefficient, resilient, secure, and scalable 3tier architecture,
theMobileCommerceSuiteconsistsof3majorfunctionalmodules,namely:

Mobile Topup removes the need for physical prepaidcards or vouchers as

balancerefillsaredonedirectlyviamobilephonewithouttheneedforsecret
numbers; results to savings from physical vouchers and its associated
administrativeandlogisticalcosts,
Me2U allows seamless transfer of prepaid account balances between two
mobile accounts in variable amounts; results to higher usage and increased
customerloyaltythroughsharingabilities,and
ElectronicVouchersviaSMSfacilitatesthedistributionofvoucherdatainan
electronicforminlieuofphysicalvouchers;resultstoamoresecureandfaster
distribution of electronic voucher data via SMS as compared to the manual
transportofphysicalvouchers.

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MobileBanking/MobileWallet

Recentlyawardedasthe"BestMobileMoneyfortheUnbanked"inthe2010annual
GSMMobileAwardsbytheGSMAssociation,TLCI'sMobileBankingsolutionenables
flexibleintegrationwithfinancialinstitutionsfrombasicbatchfiletransfermethodsto
advanced XMLbased integration methods. Coupled with TLCI's long and proven
experience in successful integrations with various telecom billing platforms, the TLCI
MobileBankingsolutionaffordsfull,rapid,andseamlessintegrationowingtoitsfull
endtoendoperationalexperiencecoveringbothmobileandbankingsystems.

TLCI'sMobileBankingsolutionadherestothestrictestsecuritystandardsavailablefor
financial transactions through full compliance with ISO 8583 which is the de facto
standardforsystemsthatexchangeelectronictransactionsmadebycardholdersusing
paymentcards.TheMobileBankingsolutionisarealinternationalsystemasitisonly
oneofafewmobilebankingsystemsgloballywithfullmulticurrencycapabilities.

The solution's modular design affords full reusability, serviceability, and deployment
ease.Itsscalabilityisnotonlylimitedtoanationallevelbutalsoonaninternational
levelwithitsfullmulticurrencyfeaturesanditsintercountrytransactionalcapabilities
as it leverages on the crossborder balance transfer and electronic refill functionality
availablewiththeMobileCommerceSuite.

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SmartMetering

The advent of Smart Meters has allowed public utility operators such as electricity
companiestoleverageonthemobilityandubiquityofmobilenetworktechnology.This
has rendered better efficiencies and increased savings to utility operators through
remote and automated reading of meters as opposed to physical meter reading by
peopleandthroughtimelymeterreadingandbillprocessing.

AclearapplicationofSmartMeteringisinprepaidelectricity.Unlikeotherproductsin
the same area, TLCIs Smart Metering solution has the following unique advantages,
namely:

Fullremotemeasurementandcontrolcapabilitiesamajorityoftheproducts
currently available in the market today only have measurement capabilities,
and
Remote user control via the Web or via mobile phone most products
available worldwide only offer Web capabilities for reporting. User remote
controlofsmartmetersviatheWeborthroughmobilephoneispredominantly
absent.

TLC has developed its own Meter Data Collection System (MDCS) and Meter Data
ManagementSystem(MDMS)whichseamlesslyintegrateswithitsMobileMoneyand
SecureVoucherManagementplatforms.

ThroughitspartnershipwithaEuropeanprepaidmetermanufacturer,TLCaffordsits
customersaturnkey,endtoendAdvancedMeteringInfrastructure(AMI)solution.

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SecureVoucherManagement

The Secure Voucher Management (SVM) application is a niche product by TLCI that
addresses the challenges of efficiency, security, and connectivity in voucher
management. This unique product enables the most secure, efficient, and directly
integratedmeansofgeneratingprepaidvouchersandoftransmittingvoucherdatato
prepaidcardmanufacturersandBillingplatforms

SVMallowsmobileoperatorsoranycompanywithvoucherrequirementstogenerate,
encrypt,andtransmitvoucherssecurelyfromstarttofinish.

Efficiency

Mosttelecomoperatorsgenerateandsendvoucherdatatovouchermanufacturersin
auserintensivemannerorinasemiautomatedmode.

SVMoffersfullautomationofvoucherrelatedprocessesfromgenerationtodelivery
tovouchermanufacturers.

Security

SVMflexiblyoffersfourtypesofencryptionalgorithms,eithersingleorcombined,in
AES,DES,3DES,andPGPmodes.

TLCI'sSecureVoucherManagementhasuniquecompetitiveadvantagesversusmost
systemsavailableinthemarkettoday,namely:

Secure transmission throughout the whole process from generation to

printing. Unlike other solutions which require manual decryption intervention
between generation and distribution, SVM's files are fully encrypted
throughout the full voucher management cycle. This is because SVM has a
builtin multidealer distribution feature allowing for the secure and selective
transmission of voucher data which no longer necessitates any decryption,
process.Thispreventsfraudandexposuretofinanciallysensitivedata,and

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Direct and automated transmission of encrypted voucher data to voucher
manufacturer. Unlike other systems that require decryption prior to printing,
thevoucherdatasenttothemanufacturerarealwaysinencryptedformat.This
preventsthepossibilityoffraudwithinthevouchermanufacturerpremisesas
allvoucherdataremainencrypted.Decryptiononlyoccursduringtheprinting
process.

IntegrationwithexternalThirdpartySystems

AsanintegralfeatureofSVM,builtinintegrationwithfinancialsystemssuchasOracle
Financialsisavailable.Inaddition,theusualtasksofgenerationandactivationcanbe
linkedtothefinancialsystem.

SVM is fully compatible and interoperable with all major prepaid telecom billing
systems(HUAWEI,ERICSSON,andNOKIASIEMENS).

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OtherOfferings

MobileWebPhone

MobileWebPhone(MWP)isasoftwareapplicationthatallowsuserstomakefreeor
cheapcallsanywhereintheworldaslongasonehasanInternetconnection.Mobile
WebPhone'sunparalleledportabilityrangesfrompersonalcomputerstoWiFicapable
smartphones.

Unlike most common software phones available in the Web today, MWP is the most
flexibleandwidelyavailablegivenitspresenceinbothMacandWindowsversionsfor
personalcomputersandinSymbian,Android,andiPhoneOSsmartphones.

MWP'suniquefeaturecomparedtosimilarproductsinthemarkettodayisitshaving
its own mobile number which makes it similar to a mobile phone subscription. This
feature allows MWP subscribers callback features as well as all features normally
availabletolocalmobilesubscriptions.

MachinetoMachine(M2M)

In addition to its Smart Metering solution, TLC has ventured into GPS tracking
applications.

Its Mobile POS solution also qualifies as an M2M solution which caters to the retail,
logistics,andfinanceverticalindustries,amongothers.

MobilePointofSale(MPOS)

TLC has developed for one of its potential customers in Myanmar and in Papua New
Guinea a paperless method of customer registration via mobile. TLCs potential
customersintendedtousethisapplicationtoregistercustomersinthecountrysideina
costeffectivepaperlessmanner.

UsingsmartphonessuchastheGalaxyS3orGalaxyS4,afieldsalesagentcancollect
payments as well as gather information about the customer data (via an electronic
form), photos, signatures, and fingerprints (via a specially connected fingerprint
scanningdevice)allinonecustomizedmobileapplication.

This environmentfriendly solution affords a streamlined paperless, automatically

uploadable,andgeographicallyagnosticmethodofregisteringcustomers.

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CustomizedMobileApplicationsDevelopment

TLCmaintainsatalentedslewofhighlyexperiencedprofessionalsinthefieldofmobile
applications development. Its extensive experience covers iOs, Android, Blackberry,
andWindowsMobiledeviceoperatingsystems.

This experience is evidently demonstrated in TLCs WAPbased applications and

specializedmobileapplicationclientsinitsSmartMeteringandlocationbasedservice
applications.

OneofTLCsongoingprojectsiswithETISALATDubaifortheMobileOrderingCloud,a
consortium of restaurants and retailers, among these, Pizza Hut, Emirates General
Market,TimHortons,andCarrefour.

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AwardsandSuccessfulProjects

Awards

In recent years, TLCI has consistently garnered global industry recognition for its
customerswithitsawardwinningsolutions.

TheseawardsaffirmTLCIssolutionsasinnovativeandworldclass.Theseawardswere
given by no less than eminent telecom and finance industry standards and
policymakingbodies.

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SuccessfulProjects

TLCIssuccessfulprojectsincludeawidegamutofindustriesfromutilitiestobanksthat
utilizeitsMobileMoneysolution.

Major projects undertaken with our key local and global customers include the
following:

(1) ERICSSON,HuaweiElectronicDataRecord(EDR)Decoding
andInterconnectAccounting&Settlement,
(2) DynamicValidityandMISReporting,
(3) Mobile Direct Topup & Electronic Voucher Distribution
(EVD),and
(4) Me2U(Interaccountbalancetransfer).

(1) MobileMoneywithMobilePointofSale(POS),
(2) MobileMoneyExchangeHub,
(3) MobileShopping(NFC,QRcode,&barcodevariants),
(4) Mobile Direct Topup & Electronic Voucher Distribution
(EVD),and
(5) Me2U(Interaccountbalancetransfer).

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 (1) MobileWallet,
(2) Mobile Direct Topup & Electronic Voucher Distribution
(EVD),
(3) WebbasedDirectTopup,
(4) CrossborderTopupandMe2U,and
(5) SMPPGateway.

(1) SecurePrepaidVoucherGenerationandProcessing,
(2) DynamicValidityandMISReporting,
(3) Mobile Direct Topup & Electronic Voucher Distribution
(EVD),and
(4) Me2U(Interaccountbalancetransfer).

(1) MultiVendorVoucherBridging,and
(2) OnlineVOIPServiceRegistration&SIPAuthentication.

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