Digital Payment Solutions

About WaveCrest

è WaveCrest is an issuing-processor that is redefining the prepaid business model.

è Award-winning B2B platform leverages APIs to productise complex payment solutions

USA

12520 West Atlan�c Blvd,Coral Springs, FL 33071Phone : +1 954 414 5730

India

39, 3rd floor, Tower-A, Ananth Info Park, HITEC City, Madhapur, Hyderabad,Telangana 500081Phone : +91 40 4443 4299

Gibraltar (Head Office)

12 Tuckey's Lane, Suite 2B,Gibraltar GX11 1AAPhone : +350 200 62692

Company Credentials

Ÿ Licensed E-Money issuer regulated by the Gibraltar Financial Services Commission (License no FSC0056NK)

Ÿ Passported to all EU/EEA states

Ÿ MasterCard – Principal member in Europe

Ÿ VISA - Principal member in Europe

Ÿ Discover - Non FI issuer in USA

Ÿ Registered Provider of Prepaid Access with FinCen

Ÿ PCI DSS level 1 Certified

Ÿ Undergone SSAE16 SOC1 audit and received Type I report from our CPA firm

Award Winning Enterprise

About WaveCrest

Award Winning Platform

Bank Transfer (ACH/Wire)

Bill Payment

Remittance

… and more

Purchase

ATM Withdrawals

Cash Advances

Cash back at Retail

PAY-OUT CHANNELSCORE FUNCTIONALITY LAYER

PLA

TFO

RM

INTE

GR

ATI

ON

Back Office

PAY-IN CHANNELS

Cash at Retail

Bank Transfer (ACH/Wire)

Cheque

Credit/Debit Card

Social/Gov't Benefits

Lottery/Gaming Prizes

Tax Refunds

Payroll

… and more

CONFIGURATION LAYER

Multi-purpose & Multi-currency

TRANSACTION ACCOUNT

PLA

TFO

RM

INTE

GR

ATI

ON

AccountIssuing

IssuerProcessing

ValueLoad

Acquiring

ValueAdded

Services

Back OfficeOperations

Web-based Mobile Retail POS IVR & SMS

Commissions Peer-to-Peer TransferBIN Sponsorship

White-label Program

Fraud/Risk Management

Card Program

Management

SEAMLESS API INTEGRATION

PLUG AND PLAY SOLUTIONS

FULLY CUSTOMISED PROGRAMS

SERVICESAND APPS

CARDISSUANCE

PAY ANDGET PAID

TRANSACTIONMANAGEMENT

About WaveCrest

Solutions

Digital Payment Solutionsfor a Global Economy

Businesses, governments, and consumers need simple, flexible methods to send and receive funds around the world in multiple currencies and at the speed of light.Wave Crest delivers fast, cost-effective and innovative global payments.

Solutions

CORPORATEPAYMENTS

TAX REFUNDS FLEET PAYMENTS

CURRENCYPAYMENTS

GAMING PAYOUTS TUITION PAYMENTS

Corporate Payments

MyChoice Prepaid Debit Card

Wave Crest simplifies corporate disbursements with MyChoice – a prepaid debit card that allows businesses to streamline commission, business, incentive, and travel payments and control expenditures with convenience, flexibility, and security

www.mychoicecorporate.com www. mychoicepreferred.com

Small to MediumBusiness

Standard Professional Program

Standard Program

Ideal for Business Size

White Label Program

Number of CardsAny number

of cards

Card Design &Cardholder Interface

Physical & Virtual Card

Cardholder Fees & Rules

StandardMyChoice

Available

Standard

Available

Standard

Available

Custom

StandardMyChoice Custom

(Additional Currencies available on request)Multi-Currency EUR, USD & GBP EUR, USD & GBP EUR, USD & GBP

Setup Cost

Revenue Share

Free

Not Available AvailableAvailable

Yes Yes

Minimum1000 cards

Any number of cards

Medium to Large Business

Small to MediumBusiness

API Connectivity Optional Upgrade Optional Upgrade Optional Upgrade

Variants

Choose The Best MyChoice Program

MyChoice Use Cases

Payment Card

Transfer funds to any card anywhere in the world

securely within minutes. The end-to-end process is seamless and extremely

cost effective compared to conventional banking processes, reducing operating expenses.

Corporate Card

Limit expense exposure - Issuing a MyChoice

prepaid card will ensure that expenses can’t be any

more than the funds allocated to the debit card,

putting businesses in charge of costs. Reporting is easy, quick and in real-

time.

Incentive Card

MyChoice is the perfect payment vehicle for

promotions and incentives. It can be as a

gift card, a travel voucher or even linked to an

affiliate program. You control the amount and nature of the incentive.

Purchase Card

The MyChoice prepaid card is a simple way to

provide secure access to cash at ATMs and

merchants worldwide via the Visa card network.

Available in three currencies – USD, GBP,

EUR. MyChoice cardholders will be

welcome everywhere.

MyChoice Use Cases

Gaming Payouts

MyChoice Card is the most efficient and secure way for players to get quick

access to their winnings. Players can receive funds

instantly and cost effectively eliminating the

need for bank transfers and cheques

Currency Exchanges

Commodity brokers, option traders, gold

brokers, transfer agents, equity traders can

eliminate cheque and bank disbursement to clients by offering real

time payouts on MyChoice Cards. Payouts can be automated and easily

reconciled by using MyChoice Cards

Domestic or International Remittance

MyChoice Cards enables domestic and international

remittances. Money is available to the receiver instantly. Receiver can

then spend the money at POS or withdraw cash from ATM. Thereby

eliminating the need for bank transfers, cheques or

cash delivery

Peer to Peer Lending Payouts

Pay borrowers and lenders instantly on MyChoice cards. Cardholders can

spend money at any POS or withdraw cash at ATMs.

Easily move money between borrowers and

lenders.

Business Benefits

Cost Effective Lower your operational expenses with all electronic payments

FlexiblePlug in to turnkey features or customise your program with multiple options

Speed to Market Solutions to meet your delivery time frame

Full Service 24/7 email and telephone support for account management, to report lost or stolen cards, and fraudulent transactions

Corporate Payments

Secure IntegrationCard personalisation and value loads via business application or secure APIs

Timely PaymentsFunds are available to payees within minutes of payment confirmation

Corporate Payments

Cardholder Benefits

111

2

3

4

5

No bank account or credit history required for cardholders

Anytime, anywhere access to funds at retail, online, or ATMs

More convenient and secure than cash, cheques, vouchers or coupons

Self service access via user-friendly online and mobile interface

Simple and transparent fee structures

6 24/7 Customer service: support via email, IVR and live agent

Fleet Payments

Modern Fleet Payments For Today’sTransportation Industry

MyFare Card gives fleet owners the most convenient, efficient and secure way to pay drivers.

How MyFare Card Works

The transportation industry is rapidly changing, and driver retention is key to running a successful business. MyFare Card eliminates cheques, cash payments and even ACH, and gives your drivers the freedom to bank—or unbank—in a way that works best for them.

www.myfarecard.com

Fleet Payments

FAST AND EASY ENROLLMENTS

DRIVERS RECEIVE VISA PREPAID CARD

SECURE FUNDING VIA ONLINE PORTAL

DRIVERS GET PAID QUICK AND SECURELY

Benefits of MyFare Card

4

Receive payments automatically

Avoid time spent picking up your cheque, waiting in line,cheque-cashing fees

Withdraw cash from ATMs worldwide

Reloadable card allows you to keep funds in one placelike a checking account

Spend with the card wherever MasterCard is accepted3

1

2 5

4

4 Driver pays Fleets. Driver pays Car Owners6

EFFICIENTSECURE

AUTOMATED

Tax Refunds

Simplifying Tax Time for Preparers

Tax preparation providers process high volumes of refunds in a short period of time each year, and the cost of processing refunds adds up quickly.

Wave Crest’s tax refund payments solution eliminates the time consuming process of tracking, processing, printing, and manually distributing or mailing cheques. By streamlining refund disbursement with Wave Crest’s prepaid debit cards, tax preparers are able to deliver refunds securely and efficiently.

www.mychoicetaxpro.com

Tax Refunds

Why Choose MyChoice For Tax Professionals?

SAVE TIME AND RESOURCES

Present the card to each taxpayer upon filing. Refunds get directly credited onto

the MyChoice Prepaid account once processed. No more follow-ups, no more

cheque lines.

COST EFFECTIVE AND EFFICIENT

Eliminate the cost of printing and issuing cheques, and redeploy tax-preparation

staff to serve new taxpayers.

SECURITY

Each refund payment is secure. No more lost cheques or onsite security

considerations.

CO-BRANDED CARDS

Or Choose a MyChoice Prepaid branded program.

REPORTING

Easily keep track of customer refunds with MyChoice’s online portal.

QUICK SET UP

Get started in as little as 3 days.

Gaming Payouts

Don’t roll the dice with gaming revenue.State lotteries, casinos and online gaming sites handle more cash and transactions in a day than most industries do in a month. but what is it really costing you? Streamline payments, keep players engaged, reduce risk. All with WaveCrest Gaming payment cards.

Gaming Payouts

DIRECTLY DEPOSIT WINNINGS ON PLAYER PREPAID DEBIT CARD

REDUCE CASHPAYMENTS

IMPROVE PLAYER ENGAGEMENT AND

LOYALTY

Gaming Payouts

How It Works

4

Players sign up online or in-person for custom player’s card

Registered cardholders participate in online, casino lottery or keno play

Cardholders can use funds to plays or shop anywhere debit cards are accepted

Players stay engaged and retain card as an everyday spending too

Winnings are automatically loaded to prepaid debite card

Tuition Payments

Nearly 40% of university students receive some kind of payments from their school every year.And most of those payments are made by cheque, forcing students to stand in long lines while manual processes overload campus office staff.

Wave Crest changes everything. No more lines, no more cheques or hassle. Universities load refunds or credits on to a secure student prepaid debit card, which students can use on and off campus just like a regular debit card.

Tuition Payments

A Better Payment System For Universities

4

On enrollment students receive a university-branded prepaid card

Universities automatically load funds from various sources to each student’s card (grants, scholarship, other financial aide)

Students can activate accounts “sponsors” such as parents who can remotely load funds to the card from other sources, such as a family bank account

Students then use the card to pay bill, transfer funds etc. and even get loyalty rewards for using the cards

Reduce Paperwork And Overhead ExpensesThe automated integrated payment system eliminates the hassle and expense of printing

Save Time And EffortWith a convenient online portal. Reduce student inquiries for pending payments, eliminating lost cheques

Simple Program SetupSeamless integration via API, online tracking tools

Build Loyalty Among StudentsWith school-branded card and colours

$

Client Card Designs…

Client List…

www.twi�er.com/wcpayments

www.wavecrest.gi/

www.linkedin.com/company/wave-crest-group-limited

www.slideshare.net/WaveCrestPayments

www.youtube.com/watch?v=YMlE3uXbq3k

Talk to our experts : sales@wavecrest.gi