UMT United Mobility Technology AG On the way to becoming ...UMT United Mobility Technology AG UMT AG KEY FACTS 5 Complementary business services for our clients, such as behavioural

UMT UNITED MOBILITY TECHNOLOGY AG

UMT United Mobility Technology AG On the way to becoming mobile payment standard!Alexander von Franckenstein, CBDO

April/May 2016

UMT United Mobility Technology AG

CONTENT

2

Key Investment Highlights

UMT at a glance/Key FactsMobile Payment Market

Strategy

Status Quo & Going Forward

UMT Platform

Revenue Model

Company Data & Financials


KEY INVESTMENTS HIGHLIGHTS

3

UMT AG is a German stock-listed company, offering IT- services and -solutions on an international basis, especially for mobile and digital payment systems as well as data analytics.

Based on its own mobile payment and loyalty platform, technology and software are mainly used on a white label basis by its clients. UMT’s competitive advantages are its technology agnostic approach, a comprehensive reach of the platform and an efficient development process, main reasons for which Payback (American Express Group) the world’s biggest loyalty programme, choose UMT AG for its mobile payment application. UMT also offers added value services such as integration of loyalty programs, couponing and individual data analysis.

Highly complementary management team, with expertise in technology, venture investment and financial markets.


UMT AT A GLANCE

4

4

ü UMT AG is a German stock-listed company, offering IT-services and -solutions on an international basis, especially for mobile and digital payment systems as well as data analytics

ü Based on its own mobile payment and loyalty platform, technology and software are mainly used on a white label basis by its clients

ü UMTs competitive advantages are its technology agnostic approach, a comprehensive reach of the platform and an efficient development process

ü UMT also offers added value services such as integration of loyalty programs, couponing and individual data analysis

ü Highly complementary management team, with expertise in

technology, venture investment and financial markets.

UMT developed an innovative mobile payment software (platform), which can be embedded in mobile apps

Over 30 merchants were attracted via iPAYst:

Over 650 merchants are accessible through PAYBACK PAY:

Not e: Ex t ract o f o f f ic ia l PAYBACK par t ner f rom PAYBACK webs i t e ; For demons t rat ing purpos e onlySource: PAYBACK webs i t e ; PAYBACK pres s re leas e 17t h Sept ember 2015

Currently, customers have flexible payment options, via:§ NFC§ QR code§ Barcode§ iBeacons Bank transfers the money

instantly from customers’-to merchants’ bank account

Net fees

Customers‘ bank details have to be registered in mobile payment app

“Creating a seamless experience for more than just payments”

Clients pay via mobile payment apps

Apps


UMT AG KEY FACTS

5

Complementary business services for our clients, such asbehavioural and predictive big data analysis.

Largest mobile payment network in Germany!Platform reach covering approximately 42% of brick and mortar as well as 50% of E-Commerce markets by volume.

Listed on the German stock-exchange since 2012 with a current market capitalisation of € 22 million.

Active in Germany, Italy, Spain, Austria, Switzerland, Turkey and Latvia with plans for rapid international expansion into UK and France.

Founded in 2011 with the vision of becoming the world’s leading mobile

payment network.

Equity capital ratio of 86,90% No external debt obligations or liabilities.

Participations/Investments into companies, which can leverage/distribute our payment technology.


ON THE WAY TO BECOMING MOBILE PAYMENT STANDARD

6

Flotation on the Frankfurt Stock Exchange via reverse IPO with former “Leipziger Solarpark”.Name change to UMT United Mobility Technology AG

Finalisation of the “iPAYst” mobile wallet, nucleus for our successful mobile payment platform

Strong & promising deal/client pipelineProduct & portfolio expansion for big target clients

Long-term contract with the world’s leading loyalty +bonus program Payback (an American Express company)

2010 2011 2012 2014 2016 2017

Foundation of UMS United Mobility Service AG

Signifiant revenue & earnings increase through

big data analysis and translation volume

Number One mobile payment operator in Germany


STRATEGY

7

UMT AG is currently concentrating on the further development, sales and distribution of its mobile payment und loyalty platform.

UMT AG is targeting big retailers, fashion compan i es , t e l e kom ope ra to r s and multinationals in order to implement a combination of mobile payment, loyalty programme and value added services for them. Multi-channel sales is one of our key arguments for using our mobile payment platform.

The technology and mobile payment platform is mainly used as a White Label Product by big trade/retail-groups and their loyalty/bonus-programs.

Additionally UMT AG invests into corporations along the value chain of its core activities.Thus our platform shall evolve to a certain industry standard and mobile payment multiplier (i.e. cash-terminal provider).

UMT MOBILE PAYMENT PLATFORM


MOBILE PAYMENT MARKET I/III

8Source: TSYS; ECB; St at is t is ches Bundes amt ; Gar t ner; St atis ta

SURVEY ABOUT PURCHASE PRICE LIMITS OF MOBILE PAYMENTS

MOBILE INTERNET USERS IN GERMANYSMARTPHONE USERS IN GERMANY

► Compared to other European countries Germany provides still massive growth potential in the mobile payments sector

► The market is expected to increase significantly over the coming years

► According to a study conducted by ‘eResult’, more than 30% of the Germans are interested in mobile payments

► Especially young people in Germany are very smartphone affine and are looking for mobile payment solutions

► Mobile payment technologies in Germany have improved constantly over recent years, e.g. NFC, QuickResponse

26,6%34,6%

42,8%

52,8%60,6%

67,3%71,4%

21,427,9

34,8

42,949,2

54,758,1

0

10

20

30

40

50

60

70

80

0%

10%

20%

30%

40%

50%

60%

70%

80%

2012 2013 2014F 2015F 2016F 2017F 2018F

Ante

il Sm

artp

hone

Nut

zer i

n D

euts

chla

nd

Datenreihe2 Datenreihe1Proportion of smartphone users (%) Number of smartphone users in million

13%

24%

38%

52%

56%

8%14%

27%

41%

50%

0%

10%

20%

30%

40%

50%

60%

2011 2012 2013 2014 2015

Pro

por

tion

ofin

tern

etac

cess

in G

erm

any

Insgesamt per Smartphone/TabletIn total

11%

19%

25%

19%

26%Less than €10 Less than €20

Less than €50 Less than €100

I would not want a limit


MOBILE PAYMENT MARKET II/III

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Not e: M-Pay ment s = Mobi le Pay ment sSource: ECB; St at is t is ches Bundes amt ; Gar t ner ; St atis ta

SURVEY ABOUT MOBILE PAYMENT USAGE IN GERMANY► Germans are used to pay with cash, nevertheless, the payment

sector is shifting towards digital and mobile payment solutions► Both number of transactions as well as value of transactions show an

upward trend► Revenue generated by mobile transactions is forecasted to grow by

54% until 2017 on average► Given the growth potential of the German mobile payment market,

early movers may have the ability to gain market share rapidly► sophisticated mobile payment solutions for business clients (B2B) are

still underdeveloped

Anteil Smartphone Nutzer in Deutschland

1,8

8,0

23,2

0

5

10

15

20

25

2010 2013F 2017F

Num

beri

n m

4,9

99,4

0

20

40

60

80

100

120

2010 2017F

Reve

nue

in U

SDbn

CAGR: 54%

Yes27%

No73%

Excellent16%

Good54%

Average26%

Poor2%

Very Poor2%

Have you used mobile payments already? What is your level of satisfaction with mobile payments?

MOBILE PAYMENT TRANSACTIONS IN GERMANY

REVENUE FROM MOBILE PAYMENT TRANSACTIONS IN GERMANY

UMT United Mobility Technology AG10

MOBILE PAYMENT MARKET III/III

Cont

actle

ss p

aym

ents

usa

ge (2

015)

Card payments usage (2014)

Not e: * The number of pay ment s s t agnat ed in 2014 due t o changes in t he pay ment s ta tis tics met hodologySource: ECB; St at is t is ches Bundes amt ; Gar t ner ; St atis ta

CASHLESS PAYMENTS IN EUROPE

DEVELOPMENT OF CASHLESS PAYMENTS IN EUROPE*

> 50% Czech Republic

Between 10% and 50%

HungaryPolandSlovakia

UK

Between 3% and 9%

AustriaCroatiaSpain

FranceIreland Netherlands

< 3%

BulgariaCyprusGermanyGreece

ItalyLithuaniaRomaniaSlovenia

BelgiumLatviaPortugal

DenmarkEstoniaFinland

LuxembourgNorwaySweden

Low Medium High 22%

19%

18%

7%6%

28%

135

222

297

330

383

0 100 200 300 400

Cashless transactions per capita per year

Netherlands

United Kingdom

France

Germany

Spain

Contribution to cashless payments

Others

SpainNetherlands

Germany

France

United Kingdom

CONTACTLESS PROXIMITY IMPLEMENTATIONS IN EUROPE

0

10.000

20.000

30.000

40.000

50.000

60.000

70.000

80.000

2010 2011 2012 2013 2014

Num

bero

ftra

nsac

tions

in b

illions

, Eur

o ar

ea

Other payment services

E-money payment transactions withe-money issued by resident PSPs

Direct transfer

Credit transfer

Card Payments

Cheques

PORTABLE COMPUTER OR HANDHELD DEVICE TO ACCESS MOBILE INTERNET

34 3138

16 14

42 4450

19 21

51 5650

2432

5663 67

26

40

0

10

20

30

40

50

60

70

80

Euro area Germany Spain Italy Turkey

Perc

enta

ge o

f pop

ulat

ion

aged

16-

74

2012 2013 2014 2015


STRATEGY

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Complement great ideas

With pure focus and experience on the execution and steering of large international projects, UMT Consulting fuels the UMT Payment Systems platform.

Conceptual support to fuel DIGITAL PAYMENT SYSTEMS

Project management and Project consulting for international projects is provided for medium to large enterprises.

Conceptual support to transform ideas into real products. Years of experience will

save time and money.

Successful products are

always the goal of every client. Support

and honest feedback are fuelling success.

Research & Development for new ideas is conducted based on years of experience within the mobile technology.

CONCEPTUAL

PRODUCTRESEARCH & DEVELOPMENT

PMO


STATUS QUO

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In November 2014, UMT AG won Payback (American Express Group), the world’s biggest loyalty- and bonus-program, for a long-term white label contract.

Milestone Payback

75,5 million clients worldwide, of which 28 million in Germany alone!

Collected points by consumers in 2015: EUR 338 million

8,5 million App downloads im Germany

Annual sales 2015 generated by card/app: > EUR 27 billion

More then 650 merchant-partners offline, online and mobile

Launch of the Payback Pay App in Summer 2016: UMT & Payback becoming the number 1 in the German mobile payment market, covering up to 45% of the retail sector

Payback card usage: 3 million times/day at partners PoS

Source: Payback, facts & figures


GOING FORWARD - PRODUCT DEVELOPMENT & POTENTIAL ACQUISITIONS/INVESTMENTS

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LOYALTY ENGINE

✓ 3 potential takeover targets identified ✓ NDAs and LOIs signed ✓ Focus on client portfolio,

profitability and synergies

SMART DATA ANALYSIS

✓ Increase UMT-stake in SEKS

✓ Increase sales force on a European level

✓ Strengthening of key staff

✓ Attracting talents, especially on developers side

RESEARCH & DEVELOPMENT

Extension and complementation of our business model, offering clients a fully service end to end solution. Potential acquisitions and strategic investments along the our value chain

PSP

$

✓ Backoffice services ✓ Payment processing

services ✓Data processing

✓ Offering single merchant loyalty expertise ✓ Single service provider ✓ Cross selling potential

✓ Tailor-made services ✓ Consumer behavioural analysis ✓ Data analytics

✓ Remain amongst technology leaders ✓ Keep top notch security standards


UMT PLATFORM MULTI-CHANNEL COVERAGE

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Sell anytime anywhere!Seamlessly integrate all your sales channels on the user’s mobile device.

Users mobile device.Technology agnostic : The right technology for every sales situation supporting on-and offline use cases.

QR code NFC Bluetooth Wifi Barcode iBeacons

AD.

@E-Mail Print Online Point of sale Location based

✓ ✓ ✓ ✓ ✓ ✓


UMT PLATFORM

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3RD PARTY SERVICES

MERCHANTSFRONT-ENDS

THE PLATFORM USPs

CREATING A SEAMLESS EXPERIENCE FOR MORE THAN JUST PAYMENTS

LOYALTY ENGINE PSP BANKS

$

Merchant Connectivity

• Native implementation in merchant systems and connectivity to legacy infrastructure • Full flexibility in the design of business models and services • Minimising impact on merchant infrastructure and merchant implementation costs

Unmatched Reach

• Largest european mobile payment network • Covering 50% of german brick and mortar and e-commerce

Superior Scalability

• Handle up to 1 million transactions per second

Class-Leading Adaptability

• Seamlessly integrate existing value added services such as loyalty programs (eg.PAYBACK)

• Integrate with existing mobile and merchant infrastructure or design custom solutions • Connect different PSPs and Banks for settlement

Top Notch Security

• ISO 27001 based on BSI IT Grundschutz compliant data centres • Military grade encryption • No sensitive payment data on mobile device

?


UMT PLATFORM - PROTOCOL DEFINITION

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One size doesn’t fit all, but UMT does:

Building a universal protocol for connecting merchants to the UMT Platform

• Fast implementation

• Lower implementation cost

• Connectivity with major cash register system

Our comprehensive range of standardised merchant adaptors offer:

• Connectivity with standard payment protocols

• Economies of scale in servicing our merchants around the world


REVENUE MODEL

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Set-Up Fee License Fee Transaction Fee

SAAS Model Transaction based Model

Revenues based on man days for:

๏ Conceptual support

๏ Project Management

๏ Technical implementation

Revenues based on:

๏ Licensing of UMT software

๏ Fixed amount for technical support per year

๏ Hosting and maintenance fee

Revenues based on:

๏ Fixed fee or percentage fee per transaction

๏ Minimum volume guaranteed

Consulting Model

UMT UNITED MOBILITY TECHNOLOGY AG

References/Annexe


19

In November 2014, UMT AG won Payback (Amer ican Express Group), the world’s biggest provider of loyalty- and bonus-programs, for a long-term white label contract.

This signing represents a milestone in our corporate history, as up to 28 million users in Germany and more than 75 million worldwide will be tied to our Mobile Payment Platform!

Partners of Payback are more t h a n 5 0 n o t a b l e g l o b a l corporates, such as REWE-Group, Burger King, Kaufhof, dm, Lufthansa, Dt. Telekom in Germany, as well as Exxon, Macy’s and AT&T in the US, totalling 650 offline, online & mobile stores worldwide.

We will thereby together cover roundabout 45% of the German Retail Market in a first stepfrom 2016 onwards!

PAYBACK

REFERENCES


20

International activities:

Together with our cooperation partners and subsidiaries in Italy, Spain, Turkey and probably UK and France within this year, we are strongly driving our white label and operator model forward!

Loden-Frey, was the first big department store in Munich, which was connected to our iPAYst-Platform. Together with Kuffler-Group, Germany’s biggest luxury restaurant chain, we introduced Mobile Payment on the Oktoberfest (Munich Beer Festival) in Munich in Kuffler’s Wine-Tent in 2015!

Currently we are in advanced negotiations with various Telecom-, Bank- and Retail- companies…

REFERENCES


21

International activities: As a matter of fact, we could win Banco de Sabadell as a distribution partner for Spain in May 2015 and GTD Group in January 2016. Banco de Sabadell is the fourth largest Spanish Bank and has a 45% market share in corporate banking. Our joint target clients will obviously be big retailers, restaurants and E-Commerce providers.

GTD Group is an international high-end technology company, developing challenging projects and systems in the Aeronautics-, Energy-, Scientific installations-, Infrastructure-, Security- and Maritime- Industry. Our joint target clients will obviously be big corporations from the above sectors.

REFERENCES


22

International Activities:

Turkey represents a very attractive market, with a young smartphone-affine population and growing wealth. UMT TR already announced a combination of loyalty-program und payment-app for Turkey’s biggest shopping mall Zorlu-Center in Istanbul, with over 210 shops.

In December 2015 UMT TR successfully launched the Platinum Masa mobile restaurant loyalty platform for VISA Turkey, combining a dining concierge service with effortless mobile payment. The goal for 2016 is to reach more than 150,000 downloads, to integrate up to 500 restaurants, to enable iBeacon technology and to implement a register integration.

Further shopping-centers, telecom operators and football clubs will be implement using our mobile payment and /or loyalty-platform….

REFERENCES


CONTACT & IMPRINT

23

Brienner Straße 7 80333 Munich, Germany

Alexander von Franckenstein

T: +49 89 20 500 680

Member of the Management BoardCBDO

Documents

UMT United Mobility Technology AG On the way to becoming ...UMT United Mobility Technology AG UMT AG KEY FACTS 5 Complementary business services for our clients, such as behavioural