Slide 1: Q2 2015 Earnings Call
Q2 2015 EARNINGS CALL \ CALPIAN a Me NEY. N MOBILE Stop at nothing. Pay for anything. OCTOBER 29", 2014 DALLAS, TEXAS
Slide 2: Safe Harbor Provision
fe} SAFE HARBOR PROVISION CALPIAN This presentation and comments made by management may contain forward-looking statements that involve a number of risks and uncertainties associated with our business. The factors that could cause our actual results of operations to differ materially from any forwar
Slide 3: Website - Investor Relations
fe WEBSITE — www.calpian.com — Investor Relations CALPIAN BS cary, ‘ean AND EASY IN PLACE \ OTHER: \NT MAKE 4 PAYMENTS AT ALL ’ i) Harold Montgomery Le Le fin] 3}
Slide 4: Introduction / Agenda
eS INTRODUCTION / AGENDA CALPIAN = Website Update — Investor Relations Section — Earnings Call Tab = Introductions — Harold Montgomery = Q2 Financial Review — Scott Arey = Business Outlook — Harold Montgomery
Slide 5: Fiscal 2nd Quarter 10Q (quarter ending September 30)
fe Fiscal 2"4 Quarter 10Q (quarter ending September 30) ALPAN = Back to back quarters of more than 30% growth in revenue at Money-On-Mobile ® Consolidated operating expenses down $325K compared to prior quarter = Asset sale (one time event) pushed Calpian into the black for Q2, cash used to reduce s
Slide 6: Consolidated Quarterly Revenue Trend
iS CONSOLIDATED QUARTERLY REVENUE TREND CALPIAN Q2 Ending September 30 (prior three quarters also shown) = Revenue almost CON SOT DATED) QUARTERLY REVENUES i Domestic (US) ‘8 Money-On-Mobile (India) doubled in two quarters = 30% increase in revenue Q1 ‘15 to Q2 ‘15 = 32% increase in revenue Q4‘14to
Slide 7: Segment Detail Quarterly Revenue Trend
iS SEGMENT DETAIL QUARTERLY REVENUE TREND CALPIAN Q4 Ending March 31, Q1 Ending June 30 and Q2 Ending September 30 al “el Yt CALPIAN MO Mone CALPIAN B COMMERCE QUARTERLY REVENUES QUARTERLY REVENUES IN MILLIONS IN MILLIONS. Qi ‘15 to Q2’15 34% Increase Q1‘15toQ2’15 2% Increase Q4 ‘14 to Q1’15 32% Inc
Slide 8: Cash
iS CASH CALPIAN Q2 Ending September 30 (prior quarters also shown) = Company has cash, but Chis ae has not yet achieved positive cash flow = Putting cash to work = Financing needs of the domestic business = Financing needs of Money-On-Mobile
Slide 9: Equity / Earnings Trend
iS EQUITY / EARNINGS TREND ALPAN Q2 Ending September 30 (prior quarters also shown) = Company continues HOTA EQUEY trend of running operating losses to build both domestic and international businesses = Q2 equity reflects gain from asset sale, cash used to reduce debt 9 “This numbers subject to revi
Slide 10: Q2 2015: Key Events
iS Q2 2015: KEY EVENTS CALPIAN U.S. Domestic: = Asset Sale / Senior Debt Reduction = Organic growth in merchant processing = Residual Acquisitions Closed / Robust Pipeline India: = Back to back quarters of more than 30% growth in revenues Store count 219,563 at September 30, 2014 = Increase in reven
Slide 11: Steady Domestic Cashflow / Explosive International Growth
STEADY DOMESTIC CASHFLOW \ CALPIAN a Me NEY. N MOBILE Stop at nothing. Pay for anything. EXPLOSIVE INTERNATIONAL GROWTH