WavePay vs AYA PAY Wallet

Fast, Easy and Safe Online payments - Myanmar's Leading Mobile Financial Service WavePay, Mobile wallet application by WaveMoney enabling the inclusion of all users into the digital payment ecosystem, riding on the largest network of ~60,000 agents and 200,000+ merchants. WavePay is one stop solution for all your payment needs: • Send money to your family and friends using mobile number, including to those who are not on WavePay APP • Scan QR code and make instant payments at grocery stores, medical shops, electronic shops, restaurants etc. • Top up or buy packs for your or your family and friends mobile. • Pay your bills easily – Internet, Solar, Insurance, MFI loans etc. • Link your bank or MPU cards and easily transfer funds in and out of the wallet easily. Safe and Secure payments • Protected with “One Wallet, One Device” (1W1D) feature that enables access of your account from only 1 device at any point of time, keeping your WavePay account safe & secure. • Set your PIN, which is a 4-digit number, It’s mandatory to set the PIN while creating your account and authorize all transactions using your PIN • Additional security of a 6-digit secret code for money transfer to people who are not on WavePay app. Money can be easily collected at the nearest WaveMoney agent shop by providing a transaction ID and 6-digit secret code Easy Cash-in and Cash-out services • Easily Cash-in or Cash-out at your near Wave agent shops; more than 60,000 agents across the country are at your service all the time • Link your bank accounts from our partner banks or any e-commerce enabled MPU cards for easily moving funds in and out of the wallet Easy Airtime top up and bill payments. • Top up or buy packs for your mobile and always stay connected with your loved ones. You can top up to any operator mobile number – ATOM, MPT, Ooredoo • Make your internet bill payments across 30+ providers including ATOM, Ooredoo, Myanmar Net, 5BB, Fortune, Mahar Net, WeLink, Myanmar APN etc. • Make your loan repayments across 40+ partners including – Aeon, Rent2Own, Early Dawn, Yoma Bank, Mahar Bawga,, Advans, Alliance, VisionFund etc. • Make your Insurance payments of Prudential, Manulife, Capital Taiyo, Young Insurance, KBZ MS General Insurance etc • Make your Solar bill payments of OV Solar, Solar Home, Sun King Solar • Make your healthcare and telehealth service payments of PunHlaing Hospitals, MyanCare, myDoctor, Health4U, T-Fitness etc. Fast and reliable payments at Online stores • Make your online shopping payments at Shop.com.mm, OwayFresh and many other trusted partners instantly using WavePay and avoid worries about cash on delivery. • Order your favorite food or groceries on FoodPanda and pay using the WavePay app Book Hotels & Tickets for Bus, Flights • Domestic or international; One-way or Round trip – Book your flight tickets on FlyMya, AirKBZ etc and make payments with your WavePay wallet. • Book online bus tickets - MMBus Ticket, Oway, AungSan, AungMinGalar, Mandalay Gate. Check seat availability & get real-time updates. • Book hotels before you travel – Memories Hotel, Memories Travel, Balloons Over Myanmar, etc. • Make hassle-free payments for your groceries, medicines, electronics and clothing purchases by scanning Wave QR at 200,000+ merchants. Contact Us • WaveMoney Call Centre is available every day 8 AM-10 PM to provide any assistance. Call 900 from ATOM Numbers (free) or 097900090000 for other operator numbers To become a business partner, agent? E-mail us at business@wavemoney.com.mm or call our call-center

Subscriber App is an app of AYAPAY system that is designed to bring convenience payments and money transfers into your everyday life With the Subscriber App, you can: - Top up your mobile phone with 5 networks: MPT, Mytel, Ooredoo, Telenor, Mipec - Cash in your Wallet at Agents or by verified AYA bank account - Cash-out money at Agents or at ATMs - Simply transfer money to Wallets, to Unwallet by OTP/NRIC or request transfer to receive money - Easily bills payment at any time with 2 billers: Ananda, Canal+ - Quickly payment in Merchant stores by scanning QR code or accepting the payment request - Conveniently move money between Agent's Wallet and linked AYA bank account - Transaction management: review wallet balance, all transactions history over time and receive transaction notifications