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Punjab Store

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Fast & Secure

Across the world, diversity leads to strength. This quote calls us to celebrate our diversity in all that we do, and make that diversity a strength. For me these are timely thoughts because diversity is a key vision for our work at MoneyOnMobile in 2018.

The success of our company this year will depend on how well we are able to deepen our engagement with our retailers throughout India – across the geography, language and cultural mosaic of the country. First, we must

expand the number of products and services our retailers

can use which will help them offer a wider array of services to their customers. By expanding the diversity of our product mix we increase consumer engagement and therefore retailer loyalty to our platform.

We saw strong demand for our MOM ATM in 2017, and therefore expanding our cash-out services will be a top priority for the company. Our team in India, led by Ranjeet Oak, Head-India Operations, does an outstanding job of touring the country and listening carefully to both the retailers and the consumers to ensure that our product mix is diverse enough to meet real market needs.

We have a diverse company, with people from many parts of the world, representing different cultures and countries. That diversity serves us well because it brings differing viewpoints to our company, allowing us to adapt and change with the market quickly.

The work you do is critical to our success this year. I invite you to think about how we can continue to diversify our company in ways that will improve retailer engagement and loyalty. My office is always open to you and invite you to send me a note with your thoughts to hmontgomery@moneyonmobile.in

Thank you for your valuable service to MoneyOnMobile!

Harold Montgomery

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HAROLD MONTGOMERY

Chairman and CEO

- Maya Angelou, American Poet

In diversity there is strength and beauty““

“In diversity there is strength and beauty” - Maya Angelou, American Poet

Dear Colleagues,

Money 20/20 Asia brought together senior representatives from across

the ecosystem – from the mighty markets of China and India, global

financial hubs of Hong Kong and Singapore, innovation centers of

Japan, South Korea and Australia and emergent fintech markets, such

as Indonesia, Malaysia, Bangladesh, the Philippines and more.

Money20/20 is widely acknowledged as the premier event for the most

senior decision makers to come together and connect, learn and form

partnerships.

MoneyOnMobile Inc. provided an operational update and unaudited financial results of the st company's Q3-2018, during a conference call and webcast on Wednesday, 21 February, 2018.

During the call, Harold Montgomery, Chairman & CEO of MoneyOnMobile shared the vision

for the company and also announced an increase in consecutive quarterly net revenue.

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Demand remains strong as evidenced by revenuegrowth from existing MOM ATM deployments

Product emphasis on expanding MOM ATM units instores

Focus for growth is to deepen retailer engagement andproductivity

Expanding number of products and services used byretailers

Goal is to increase number of transactions per retailer,and revenue per retailer

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Harold Montgomery presented and answered questions from Investors at the inaugural LD Micro thVirtual Conference held on 7 March, 2018.

"We are honored to be part of this inaugural event, and are grateful to LD Micro for including us. MoneyOnMobile is an exciting growth story for the audience to hear. We have an outstanding market position in India. We think the LD Micro Virtual Conference attendees will be excited to learn more about us," said Harold Montgomery, Chairman and CEO of MoneyOnMobile.

US Earnings Call Update

MoneyOnMobile, Inc. at LD Micro Virtual Conference

Money 20/20 Asia 2018,th thSingapore 13 - 15 March 2018

Harold Montgomery represented

MoneyOnMobile at Money 20/20

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th thRegional Sales Meet - 27 & 28 February 2018

Awards & Accolades

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Our State Heads met in the first quarter of 2018 in Mumbai to draw out strategies for the coming year.

With the onset of the new guidelines, team MoneyOnMobile drew out a roadmap to implement new,

strategies, to ensure that our retailers are able to seamlessly transact and continue providing

financial services to their customers, without hampering their businesses.

At the recently concluded ‘World Payments & Congress’ event held in

thMumbai on 14 February 2018,Mr. Jolly Mathur, Co- Founder & Director of MoneyOnMobile was identified as one of the “50 Most Influential Payment Professionals” of the year 2017-2018.

At the event, Mr. Hari Parkar, incharge of Digital Initiatives at MoneyOnMobile was also awarded for his contribution in the Payment Industry.

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MoneyOnMobile and Maharashtra State Road Transport Corporation (MSRTC) announced Partnership to Offer Bus Tickets

This partnership will enable MoneyOnMobile's participating retailers to now book bus tickets for the approximately 7 million passengers that ride the MSRTC buses per day, along approximately 17,000 routes. Maharashtra State Transport Corporation was founded by the Government of Maharashtra in 1960. "With this tie-up, our customers can book their MSRTC tickets at any of MoneyOnMobile's participating retail outlets. This allows our customers to travel to and from Maharashtra and neighbouring states at their convenience.

MSRTC is a safe and dependable service," commented Suhas Jadhav, Deputy GM of MSRTC.

"We are excited to offer this service to our retailers. When we grow our product portfolio of available services, it expands the opportunity for our enabled retailers to serve more customers, and grow the spend-per-customer in their store," says Harold Montgomery, Chairman and CEO of MoneyOnMobile.

"Our retailers from the Western part of India, primarily Maharashtra and Gujarat, see growing demand for bus tickets for inter and intra-state travel. The ticketing capabilities for the MSRTC buses, which predominantly travel from Maharashtra and to neighbouring states of Goa, Telangana, Andhra Pradesh, Gujarat, Karnataka and Madhya Pradesh, will add to the bouquet of services being offered by our Retailers to their end consumers," commented Ranjeet Oak, MoneyOnMobile.

MoneyOnMobile ties up with MSRTC

Regional Update - West

Rewards & Recognition

Our retailers have shown an overwhelming response towards the recently implemented guidelines. Our team from West zone showed promptness in making available the e-kyc devices to our retailers on time. As a result of which our retailers were able to continue offering money transfer services to their customers seamlessly.

Ankush Jais, Maharashtra Reetesh Tandekar, Maharashtra

Ajaysing Kshirsagar, Maharashtra Manish Purohit, Rajasthan Vickey, HaryanaKhirod Behera, Rajasthan

Javed Bargir, Maharashtra

Milan Kagathara, Gujarat

Sumit Birla, Rajasthan

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2018SAMWAADRegional Update - East

Sunil Kumar Gupta from

Kolkata has been

associated with

MoneyOnMobile since last

3 years. He believes that

MoneyOnMobile’s ever

efficient and secure

platform has been the

p rimary reason behind

his continued association

with us.

Dharmendra Jaiswal from Howrah, has made valuable contribution in promoting and facilitating our two-wheeler insurance product to the end consumer. According to him, the service of two-wheeler insurance on MoneyOnMobile’s platformis attracting consumers.

Dharmendra JaiswalHowrah

Sunil Kumar Gupta

Kolkata

Our Kolkata Office with a brand new look!

Mr. Ranjeet Oak, Head - India Operations during his recent trip to Kolkata visited our office and met up with our team. He also took time off to meet up with few key retailers from the East zone to understand the ever-evolving market demands and to address their concerns.

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2018SAMWAADRegional Update - South

On his recent market visit to the South, Mr. Ranjeet Oak visited several retailers to understand their needs and concerns. “Listening to our retailers gives us a direct insight on how MoneyOnMobile can improve the end-user experience. This has been one of the key drivers to our growth from time to time”, commented Mr. Ranjeet Oak.

W e a t M o n e y O n M o b i l e b e l i e v e i n p o s i t i v e reinforcements, by acknowledging and recognizing the performances of our employees, from time to time.

Our accolades are not just restricted to our employees. We consider our retailers as our extended employees. In this regard, our newly appointed Distributor ‘Krishna Agency’ owned by Ms Shauntala and Mr. Shivananjappa were much appreciated for their tremendous contribution in the very first month of their partnering with MoneyOnMobile.

Rewards & Recognition

Harold Montgomery, Chairman & CEO, MoneyOnMobile on his recent trip to India during February 2018, visited the markets in the Northen Region to meet and greet our retailers. The purpose of this visit was to better understand the needs of the ever evolving market.

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Regional Update - North

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North Zone recently very successfully concluded Rewards Program for MoneyOnMobile employees. Our Sales Team was provided a definite target to achieve in a single day. A record number of payment collection of two-wheeler insurance policies was achieved on that day. The program was a great success with a remarkable collection for Two Wheeler Insurance Policies.

Rewards & Recognition

Sandeep Dugar, Punjab Amit Chopra, Punjab

Ishan, Haryana Tarshem, Haryana

Vinod Chalana, Punjab

Vickey, Haryana

MOM Shoppee Inauguration

MoneyOnMobile has always considered North East Zone which comprises of Assam, Meghalaya, Tripura, Mizoram, Sikkim, Nagaland, Manipur Uttarakhand and Uttar Pradesh as one of it’s key market for services like DTH and Mobile Recharges. MoneyOnMobile’s management took a conscious decision to implement various schemes and initiatives for our retailers to further fuel the growth of other financial products like MOM ATM , Travel Tickets , Two –Wheeler Insurance etc.

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Regional Update - North East

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Saiful Islam, Assam Jahidul Islam, Assam Firoz Uddin Ahmed, Assam

A special acquisition drive was initiated in the city of Agartala, Tripura during February to increase the number of retailers in the region. Two of our key distributors Suman Debnath and Debashish Saha successfully acquired 200 + retailers. We at MoneyOnMobile appreciate the efforts they put in this initiative and applaud their contribution to make this a successful campaign.

Debashish Saha Suman Debnath

Similar acquisition initiatives were undertaken in Uttar Pradesh and Uttarakhand to acquire Common Service Centres( CSC) partners and to grow our Domestic Money Remittance business. Mohammad Ikram and Parth Sharma have single headedly ensured and provided their valuable contribution to make this initiative a success.

Parth Sharma, MathuraMohammad Ikram, Firozabad

Acquisition Drive

Manoj Negi, Dehradun,

Uttarakhand has been

one of our oldest and

the most trusted retailer

using MOM ATM, Air

Tcketing and Domestic

Money Transfer

Services.Manoj Negi

Dehradun

Manoj Kumar, is one of our trusted flag bearer from the city of Meerut for services like Air Ticketing, Railway Ticketing, MOM ATM and Domestic Money Remittance. Manoj Kumar

Meerut

With one of our latest offering of two-wheeler insurance, our channel partners from North-East adopted the new service with much enthusiasm. As a result of which we have seen a tremendous pull towards the two-wheeler insurance product from the consumers.

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“ I feel proud to be associated with MoneyOnMobile. It has been 6 years and I have loved every day working here. Colleagues are very helpful and it is almost a second home for me. Wish you all the best ,Keep growing MoneyOnMobile.”

- Khokan Mondal, Call Center Executive - Kolkata

“ It has been 4 years in this organisation and I have learned a lot during my time here. The challenges and opportunities have helped me grow. I feel secure with MoneyOnMobile and love working with all the team members.”

- Nasir Shaikh, Call Center Executive - Mumbai

“ I am falling short of words, but I would like to say that MoneyOnMobile has given this great opportunity and I want to make the most of it.”

- Padamini Takhellambam, Business Development Executive - Manipur

“ I am taking initiative to grow our Travel business specially flight booking and expand business in new areas of Vidharbha region. I am proud to work in MonryOnMobile as here I get support from my supervisor to implement my ideas and decisions in my work. Same apply to my colleague also. Here we get respect and are treated fairly and best part is we can balance our work and personal life.”

- Yogesh Paliwal, Area Sales Manager - Nagpur

“ I joined MoneyOnMobile 3 years back, a good company to work with and also very innovative and responsible seniors taking care of the employees. At the end of the day it makes me feel proud about my company. My reporting boss is my mentor, guide and he brings out the best out of me.”

- Rajendra Dubey, Business Development Executive - Tura Meghalaya

“ First of all I am proud of being a part of MoneyOnMobile. My experience here has been fantastic. I have learnt here that “ if we work together as a team we can achieve our targets”. The services are as per the market demands due to which we assist the retailers and achieve their business growth.”

- Khirod Kumar, Area Sales Manager - Alwar Rajasthan

Employees’ Speak

Your body is the biggest investment that you

will ever make in your life. Don't abuse it“

“

We at MoneyOnMobile endeavour to develop and nurture a very healthy and a happy workplace for our employees. As part of this initiative, a Hair- Check up camp in association with was organised for all the employees at our Mumbai Office. Richfeel awarded “Best Hair Prizes” to Jignesh Solanki of IT Infrastructure Department & Navaz Damania of Corporate Communication Department.

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HR Initiatives

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Eye-Check Up & Health Camp

Health Camp and an eye-check up Camp in partnership with Lenskart, was organized by our HR Department at Mumbai.

The key findings from the health camp was the lack of water consumption and the ill effects of it on our bodies. As a result, all the employees were ushered to consume water at regular intervals for a healthy life.

LENSKART IS COMING TO OUR OFFICE

Any Frame* + Blue Cut Lenses

WITH FREE EYE CHECK-UP CAMP

www.moneyonmobile.in

th13 October 2017 11am - 4pm

@Rs. 3500/- Rs. 1199/-

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MoneyOnMobile provides

all essential services

under one roof. It helps

me to increase my

business and every

customer leaves my shop

with satisfaction.

ImranParbhani - Maharashtra

I am working with MoneyOnMobile from last three years and their portal is very user-

friendly and easy to use.

Vivek MakwanaIndore

MoneyOnMobile’s Travel

Ticket booking service is

excellent especially air

tickets, the tickets are

offered at the best prices.

Bharat Murajani

Beawar, Rajasthan

MoneyOnMobile is a great platform. I am able to provide services like

travel tickets, domestic remittance and two wheeler insurance to my customers.

The money transfer

feature as well as travel

ticket booking service is

excellent.

MoneyOnMobile has empowered me to expand my business of Mobile Recharge, Billpay and Money Transfer.

I am very happy working

with MoneyOnMobile. It

enables me to provide

financial services to my

customers.

My simple shop has become a multi- purpose store, which helps my customers with money transfer, travel booking and many more services.

Zaheer khanIndore

LokeshBangalore

Tarun BhatiJodhpur, Rajasthan

Pankaj JainIndore

RahulIndore

Retailers Speak

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Editor in Chief: Navaz C. Damania

Sub - Editor: Mangesh Moghe

Marketing Coordinator: Sameer Karve

Design: Kaushal Chauhan, Swapnali More

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customercare@moneyonmobile.in

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Our Social Media Presence

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