FAMA-brochure

FAMA FINANCIAL
HOLDINGS, INC.

CREATING THE PATHWAY FOR FUTURE

www.fama.com

MAKING AN IMPACT 1
OUR VISION AND MISSION 2
DIGITAL FINANCIAL SOLUTIONS 3
CHOOSING THE RIGHT FAMA APPLICATION 4
INTERNATIONAL REMITTANCE SERVICES 5
P2P: PEER TO PEER LENDING 6
MEET OUR CUSTOMERS 7
FAMA PARTNERS 8
FAMA’S GLOBAL PRESENCE 9
FAMA HEADQUARTERS 10
MEET OUR MANAGEMENT TEAM 11
COMMITMENT: WHAT WE BELIEVE 12
FAMA GLOBAL OFFICES 13

MAMPAEARKSKOIINNNAGLGMAEASNSNAIGMIEMPFRAPOCMATTC.H.E.TC.E.O. /FOUNDER 1
A PERSONAL MESSAGE FROM
THE CEO/FOUNDER

We believe that everyone in the world should be able
to make payments and transfer money as easily as we
share messages and exchange ideas on social media.

We also believe that it is time to develop and support
cashless society platforms, which will break down financial
boundaries and help people in many countries transfer
funds and conduct business internationally.

FAMA is creating mobile technology platforms and
payment systems that allow virtually anyone to store,
send and receive money across borders—faster and
economical—using smartphones and Internet
accounts.

We are developing systems that minimize the time and
cost required to transfer money from one country to
another because we know this can have a positive impact
on millions of people. Migrant workers can send money to
friends and family without losing the value of their money
in the transfer process. Families can send tuition to
students studying in other countries. Poor families can
receive money faster from overseas workers sending
money to support them. Businesses can transfer large
deposits and payments between countries without losing
value to high fees and currency exchange fluctuations.
Employers can pay workers in other countries, directly and
efficiently.

In many countries, millions of people do not have
access to bank accounts but own mobile phones. We
want to help make “mobile money” available to

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FAMA’s VISION: FAMA’s MISSION:

A Global Digital Financial Ecosystem A Cashless and Poverty-Free World

Our vision is to create technologies and platforms Our mission is to evolve from a provider of
that move money like thoughts and make it easier financial technologies to a developer and provider
and more affordable for people to conduct of Innovative Mobile Financial Services for the
transactions without touching cash. Global Transactions Market in the fast evolving
CASHLESS SOCIETY.
The purpose behind this vision is to ensure that
humanity has a path forward from an inefficient FAMA is using advanced technologies to speed the
cash system; to reduce poverty; improve lives of the process and reduce the cost to transfer money
unbanked; offer security and saving options for internationally. We support the United Nations goal
migrant workers; connect families and communities; to reduce money transfer fees to 3% from 7%, to
empower charities and women; and education for allow migrant workers to save more money and
underprivileged children create more economic opportunities.

TOWARD A CASHLESS SOCIETY

Barter system Minted coins Banknotes Plastic card

Start of Civilization 600 BC 1700 1950

Mobile Money Cryptocurrency The future

2009 2017 2020 onward

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DIGITAL FINANCIAL SOLUTIONS

Our vision is to create a portfolio of digital nancial solutions that meet the needs of people and businesses around the world,
especially in underserved markets. Our FAMA Mobile Money Ecosystem includes six separate service platforms plus an international
digital bank (FAMA BANK) which constitute a state-of-the-art digital nancial services ecosystem.

FAMA’s Mobile Money Ecosystem includes a FAMA is offering products and services in many vertical
variety of platforms and services to meet the market segments such as mobile wallet, remittance,
needs of the global “cashless” society: lending, ridesharing, trade financing, and Shariah

FAMA CASH™/SONALI PAY™ A Mobile Wallet allows consumers to make
transactions even while traveling, from any
A software add-on platform that enables financial location, anytime. It provides transaction
institutions to transform outdated legacy systems facilities at affordable prices and allows
to digital payment platforms needed to better consumers to manage their accounts
serve their customers. easily. While the mobile wallet industry is
growing rapidly, consumers are concerned
REMIT™ about security and technology and
deployment issues in many countries are
A mobile payments app that allows people and impeding adoption worldwide. FAMA is
businesses to use the Internet and smartphones using advanced technologies to make
to make payments and transfer money Mobile Wallets affordable, fast,
internationally. REMIT is a USD backed user-friendly and secure. We are deploying
US-compliant blockchain platform. pilot projects with plans to expand to
countries/markets where global wallets are
TOHURA not yet widely adopted.

A Shariah compliant mobile bank for global
Muslim communities.

xChange™

A real-time global payment clearinghouse that
streamlines and facilitates cross-border
transactions, suitable for all banks and
merchants.

FAMA BANK

A digital bank to be owned by FAMA which will
provide international banking services in 20 or
more countries.

Fama Pay™

A Merchant POS software platform designed to
handle mobile payments, crypto- currencies and
digital transactions (e.g. gift cards, coupons,
rewards, e-ticketing, merchant cash advances,
store management, etc.).

PenneySoft™

A “fiat” mobile app facilitating global payments for
consumer and business markets.

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CHOOSING THE RIGHT FAMA APPLICATION FOR YOU...

Our vision is to create a portfolio of digital financial solutions that meet the needs of people and
businesses around the world, especially in underserved markets. Our FAMA Mobile Money
Ecosystem includes six separate service platforms plus an international digital bank (FAMA BANK)
which constitute a state-of-the-art digital financial services ecosystem.

Iinntsetarnnatltyionshailflyt. money from your FAMA wallet to another FAMA account, locally or
Twraalnlestfe. r money from your bank account to another or from your account to your FAMA
Safely send funds to anyone, even on the other side of the world.
Avoid bank visits and retail contacts by using FAMA to order and pay for online services.
Park money in your FAMA USD online account to avoid currency uctuations.

Move money internationally using our online A remittance app designed for NRBs to send
mobile payments account - for individuals and and receive money from Bangladesh.
businesses.
Tahura/FAMA
Move money between a traditional bank or
financial service and your FAMA mobile Shariah compliant mobile bank for global
account. Muslim communities.

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INTERNATIONAL REMITTANCE SERVICES

FAMA is a pioneer in the development of fast, low-cost technologies and services for the international remittance
market.
A remittance is a sum of money sent as a payment or as a gift. International payments that used to be paid by cash,
check or credit card are increasingly being paid using mobile cash applications using the Internet and smartphones.
This trend is fueled by global trade, ecommerce, online shopping, and restrictions imposed by the Pandemic.
International remittances include money sent by migrant workers to families in their home countries, companies
paying salaries to workers and vendors in other countries, and businesses paying for services or making loans
overseas.
According to the World Bank, international payments grew from $529B in 2019 and will increase to $930.4B in 2026.
FAMA is providing solutions for this enormous market through SonaliPay, REMIT and Penneysoft, our main digital
platforms.

TOP-10 REMITTANCE RECEIVING COUNTRIES IN 2018(BILLIONS/U.S. DOLLARS)

78,6
67,4

35,7

33,8

28,9
24,3

21,0

15,9

15,5

14,4
10 20 30 40 50 60 70 80 90

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P2P: PEER TO PEER LENDING

Peer to Peer Lending involves lending money from one individual to another without the involvement of a bank or financial
institution. The key objective of P2P loans is to boost the returns for lenders and reduce the rate of interest for borrowers.
P2P loans can include loans between individuals, loans to friends and family members, business to business loans and
private mortgages.
FAMA can facilitate Peer to Peer (P2P) lending in countries where P2P loans are allowed. P2P loans can be processed using
a smartphone or laptop. FAMA’s P2P service offers quick and convenient loan processing and eliminates or minimizes loan
transaction fees and currency exchange costs.

How P2P Lending Works?

LOAN

Lender Loan Agreement
Borrower

P2P Platform

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CUSTOMER PROFILES

Aminul Khan Haoran Zhang

An International Remittance User Hong Kong Businessman

Aminul moved to the United States in the early 2000s from Dhaka, Haoran owns TEXEXCO, a textile company which exports primarily to the United States and Western
Bangladesh seeking a better job and quality of life. Aminul cherishes his Europe. He sends and receives his payments in Hong Kong Dollars. However, due to unrest, the
family and sends money to them in Bangladesh. He previously used Western Hong Kong dollar has been fluctuating and he does not hold a USD regulated bank account, so he
Union but stopped because of the high Foreign Exchange mark-up, high is liable to incur losses. He is able to achieve more stability using FAMA’s Remit payments app,
transaction fees and long time for his family to receive money. Under the which stores and moves funds in United States Dollars. Using the Remit account, he can also
FAMA payments ecosystem, Aminul can use SonaliPay with a lower process payments and transactions from his buyers and vendors.
transaction fee and instant transaction processing. Likewise, he has the
option to donate to the Bangladeshi community using the platform. Kathy Molla

Vasily Zaitchenko AN AMERICAN FOR LOCAL P2P PAYMENTS.

Eastern European Fund Specialist Kathy is a lawyer. She and her husband maintain a network of
international friends including clients and friends from college. Like
Vasily Zaitchenko is engaged in international business with operations in most Americans, she uses Venmo to transfer money between
several countries where investments require moving money in and out of friends. However, she experiences difficulties sending payments to
those countries on a frequent basis. Given the volatility in Eastern Europe, those who live abroad. Under the FAMA umbrella, she can use the
Vasily needed to stabilize the value of his funds to avoid currency Penneysoft app to facilitate global payments and pay those who do
fluctuations. His REMIT account allows him to park funds in a secure USD not have a US Bank account.
account until funds are needed. The Transfer costs and currency exchange
fees are lower and money can be moved quickly and efficiently using Danish Abu Bakr Zakaria
REMIT.
Middle Eastern businessmen
Pintu Talukdar
Danish is a real estate businessman operating in the Middle East and North Africa. He owns Islamic
Bangladeshi store owner in NYC bank accounts for his business and must use each application separately which he believes does
not provide a seamless integrated interface. In the very near future, he can use Fama’s TOHURA, a
Pintu Talukdar is a Bangladeshi owner of a small in Queens. To make ends Shariah compliant mobile bank tailor made for the Muslim community using superior Artificial
meet, he does not accept credit card payments and only accepts cash or Intelligence and Blockchain technologies, Tohura will allow MBS to access their bank services in
mobile transactions. Pintu frequently sends money back home and real time for his local accounts.
recently started accepting mobile payments for his business. Fortunately,
under the FAMA ecosystem, he can use Penneysoft to accept mobile 7
payments and Sonali Pay to send money back home.

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FAMA PARTNERS

FAMA has partnered with some of the world’s best Fintech leaders, technology
collaborators, financial service firms, mobile cash networks, international banks,
investment bankers and marketing experts to help build and grow our FAMA Mobile
Money Ecosystem.Our business relationships include partnerships, joint ventures and
licensing relationships with world leading businesses including Sonali Bank (Bangladesh),
Sonali Exchange (US), Stably Corporation (US), Transferto (US), TSYS (US), Dwolla (US),
PrimeTrust (US), Vault Investments (UAE), SSL Wireless (Bangladesh) and Plaid (US).Our
investment bankers, accountants, lawyers and business consultants work closely with us
to support our business development and growth. We wish to express our appreciation
to all of our partners for their expertise, contributions and confidence in FAMA Financial
Holdings.

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FAMA’S GLOBAL PRESENCE

FAMA’s mission is to be a pioneer in global payments and remittances and to provide a full range of services to customers in many
countries through our Global Mobile Money Network. As such, FAMA is creating and building operations worldwide to overcome
‘friction-barriers’ which make most money transfer systems too complicated or expensive to use.
Our integrated global payment platforms, supported by advanced FinTech systems, enable FAMA to provide millions of users accessible
remittance and payment services, under one umbrella.
Our global development plan includes multiple phases with Phase 1 currently operating and expanding while additional platforms are
being developed. We are focusing initially on the Asia-Pacific region which is projected to be the fastest growing region in the global
remittance and mobile users industry. This is also a region where our team has extensive experience, contacts and resources. FAMA has
the tools and network necessary to position itself as a Mobile Money leader in the Asia-Pacific region.

FAMA GLOBAL PRESENCE

MEADQUARTERS 9
OPERATIONS

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FAMA HEADQUARTERS

FAMA’s Headquarters are located in Collegeville, PA,
only two hours from New York City and Washington

HIGHLY EXPERIENTIAL PURPOSE-DRIVEN RESILIENT + FUTURE-PROOFED

We are building a creative, We are building a creative, We are building a creative,
supportive environment where supportive environment where supportive environment where
our international teams are our international teams are our international teams are
inspired and motivated. inspired and motivated. inspired and motivated.

Shop Home Worship
Work Immerse
Role of the
Play Business Campus: Work
Create a campus to
support an organization that
is focused, adaptable and
evolving. A people-oriented
ecosystem that invites our
teams to work hard and

have fun.

Eat

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MEET OUR MANAGEMENT TEAM

Dr. Khandaker is a senior executive, software engineer and Fintech entrepreneur who is pursuing his

goal to develop faster, more affordable mobile transaction platforms for under-served regions in the

world. He is an internationally known thought leader and award winning innovator in disruptive

payment technologies. Dr. Khandaker has led global teams in payment processing, mobile

transactions, retail point-of-sale (POS), international banking and relationship marketing -- including

innovations for Fortune 100 companies and startups. Dr. Saiful Khandaker, PhD

CEO & Founder.

Mubasshir is a seasoned operational manager and global team leader with extensive experience on business
management, retail operations and company administration as well as financial planning and business
strategy.

Mubasshir Karim
Director of Operations.

Michael edits FAMA’s corporate communication projects. He is an internationally known authority on
radical/disruptive innovation. For 18 years, he was Managing Director of Innovation programs at the Wharton
School, including the Mack Institute for Innovation Management. He has been called the “marketing father” of
the home computer for his role in the development and launch of the Commodore VIC20 and C64.

Michael S. Tomczyk
Senior Advisor, Corporate Communications.

Rabiul is a Bangladeshi-born business leader with over 30 years’ experience providing technology-based
services and applications in diverse industries from software and retail services to education and cultural
development. He is focused on the development of companies and non-profit organizations that empower
underprivileged men, women and children.

Rabiul Karim
Executive Vice President.

Abhishek directs the development of FAMA’s software platforms and architectures including mobile financial
service platforms. He was previously a technical consultant and systems analyst at Mobile Wallet Service, one
of India’s leading payment gateways with more than 5 million merchants.

Abhishek Kotwal
Director of Platforms.

Arpit directs FAMA’s global development teams. He has expertise in more than 20 software platforms and
programs. He was Technical Lead in Telecom & Mobile Payments at Reliance JIO in Mumbai, India and
previously managed network applications and databases at Cox Communications USA.

Arpit Maru
Director of Software Development.

Jenny is a senior level business accelerator and transformational executive with an extensive background in
financial and organizational performance. Her focus is optimizing organizational success through change
management, scaling, organizational performance and multinational growth.

Jenny Junkeer
Senior Advisor, Business Performance.

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We are working hard to try to
improve the world, through better
technologies and applications that
break down international borders
to deliver financial services faster
at lower costs. We are providing
thought leadership and pioneering
innovative ideas on how to handle
money and payments in the new
cashless society, to the benefit of
people in all countries. We support
financial applications that make a
positive impact on communities
and people. We want to make a
better future.

FAMA CORE VALUES Our commitment to change extends to
Our work ethic supports our charitable and humanitarian activities. We
commitment to innovation and support the use of our apps to raise
excellence. We’re multinational -- we donations for charities in South Asia and
respect every individual regardless of other regions such as Distressed Children
race, gender or ethnicity. We’re International and organizations dedicated to
comfortable with different cultures providing better healthcare, empowering
and languages. We treat our women and improving people’s lives.
customers like our own family. We’re
innovative. We introduce new We share our ideas on advanced
products every year. We’re nimble. FinTech apps by attending seminars,
We work fast and efficiently. We are giving presentations and meeting
change agents. We’re dynamic, not with decision makers in many
static. We have the courage to shape a industries.
better future. We want to be good
citizens of the planet and we
encourage others to join us.

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CHOOSING THE RIGHT FAMA APPLICATION FOR YOU...

USA UK India

Fama Cash Inc, Fama Payments LLC Famacash Limited Famacash India Pty.
Ltd
Collegeville, PAFama Collegeville, PA London, United Kingdom
Financial Holdings Fama Financial Holdings Fama Financial Holdings India
Fama Financial Holdings

Bangladesh Bangladesh

Fama Cash Limited Democrablock

Dhaka,Bangladesh Dhaka,Bangladesh
Fama Cash, Inc. Fama Cash, Inc.

Zambia

Fama Cash Africa

Lusaka,Zambia
Fama Cash, Inc.

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100 Springhouse Drive Suit 204
Collegeville, PA 19426 USA

Mobile

770-402-6735

Office

610-226-8101

[email protected]

www.famacash.com