LiquidPay vs iChange Member

DISCOVER SEAMLESS TRAVEL PAYMENTS LiquidPay V2 makes travel easier with seamless cross-border payments and real-time money transfers, where available. PAY OVERSEAS WITH YOUR HOME CURRENCY Scan and pay overseas merchants using local QR codes across the RoamQRTM network, while paying in your home currency with transparent exchange rates and a smooth payment experience. GLOBAL RESIDENT SIGN-UP Designed for global travellers and residents, LiquidPay V2 offers easy sign-up for supported international users, so you can get started quickly and manage your spending on the go. REAL-TIME INTERNATIONAL TRANSFERS Send money to Singapore, Malaysia and India with fast, secure transfers directly from the app. TRAVEL WITH GREATER PEACE OF MIND Stay in control with built-in spending controls and enhanced security features that help protect your wallet anytime, anywhere.

iChange is a Singapore-based multi-currency mobile wallet with Mastercard, built just for your financial well-being. We believe in providing instant, secured and easy payments, making life awesome! iChange is a money-changers marketplace to eliminate the time, hassle, and fees associated with exchanging currencies and making global payments when traveling or living abroad. • Exchange money after comparing rates in our money-changers marketplace. • Store 12 most used currencies in a multi-currency wallet. • Make swift payments worldwide using the globally accepted iChange MasterCard. • Send money to your loved ones and pay bills on their behalf with just a few taps! The New Way to Change Money No more searching for a reliable money changer, carrying cash, and paying exorbitant credit card fees! With iChange, you get a one-stop money-changing marketplace where you can compare rates for any currency from several money changers at a glance and get the best deal without worrying about a hidden fee. • Fast - Exchange currencies with just a click. • Safe - All money-changers are vetted and verified. • Cost-Effective - Best rates, no hidden charges. • Transparent - Choose your rates. Stay in control. No hidden fees. Carry Multiple Currencies in a Digital Wallet iChange allows you to store foreign currencies in one convenient location, eliminating the risk of carrying cash when you travel. Top it up whenever you are and get attractive rates on the marketplace within seconds! • Local Transfer - Send money to a friend locally (in Singapore) via wallet or Paynow • QR Payment - Make instant payments by scanning QR at stores • Topup conveniently using PayNow or at any 7-Eleven Stores Make Payments Worldwide With the iChange MasterCard You can spend your money in the multi-currency wallet anywhere in the world using your iChange Card. Smart technology deducts money from your wallet based on the currency that you’re spending, subject to currency availability in your wallet. Online Payments - One card for all expenses anywhere in the world In-store Payments - Enjoy cashless payments in-store ATM Withdrawals - Withdraw currency from any ATM Make Remittances With Full Transparency Send money to most countries with 100% transparency with just a few clicks. Enjoy home delivery services in selected countries. One-Click Bill Payments from Anywhere in the World Want to pay utility bills back home on behalf of your family? Worried about sending funds for your kid’s education abroad? Pay all your bills from electricity to gas, water, internet, telephone, and subscriptions anytime, anywhere, with a single tap. Simply sign up for FREE as our member to access everything we are offering in iChange. About: IBV is a Fintech Company based in Singapore focused on making cross-border payments simple, secured and cost effective.