Pocket.mn vs OmniPay Mobile App

Pocket is an AI and fintech-based application developed by “Pocket NBFI” LLC, offering comprehensive financial services. “Pocket NBFI” LLC was established in May 2019, originally going by the name “Invescore Wallet NBFI” LLC, and obtained its non-bank financial service license pursuant to Resolution No. 327 of the Financial Regulatory Commission of Mongolia on November 25, 2019. The Pocket application provides the following services in accordance with the laws and regulations of Mongolia: · Online loans · Buy Now, Pay Later (BNPL) · Saving services To register on the Pocket application, users are required to provide the following information: · Phone number verification · National Identification Number · First and last name Privacy Policy We operate in compliance with the Anti-Money Laundering Commission and the National Data Privacy Commission. To ensure the security of our customers’ personal information, we maintain a high level of confidentiality in accordance with Mongolia’s Law on Personal Privacy. How to Get a Loan After downloading the Pocket app and completing the registration process with valid information, the user’s credit limit is determined based on the Bank of Mongolia’s Credit Information Database and Pocket’s AI-powered assessment system. This helps prevent users from taking on multiple loans that could lead to delinquency. Once the user’s credit limit has been determined based on the Central Bank’s information and Pocket’s eligibility criteria, they will be able to get a loan at any time to their desired amount and receive the funds directly to their personal bank account. How to Repay the Loan Customers can repay their loans at any time without additional fees or penalties. Our system sends regular reminders of the due dates through SMS, email, and in-app notifications. Customers can repay their loans through the Pocket application or via bank transfer. Users who make their repayments on time may become eligible for higher loan amounts, lower fees, and additional bonus points, subject to the applicable terms and conditions. Loan products Pocket offers a range of loan products designed to meet different customer needs. Depending on the loan product, the maximum and minimum loan amounts, interest rates, and repayment periods may vary, which allows customers to choose a financing option that best suits their individual needs. Long-term loan Loan amount: MNT 500,000 – MNT 50,000,000 Loan period: 3-36 months Example: Principle loan: MNT 500,000 Loan period: 3 months (can be extended before the due date) Monthly interest rate: 1.5% Total fees: MNT 5,000 (one-time fee) Monthly payment: MNT 174,063.93 Total interest: MNT 22,191.79 Total amount payable: MNT 527,191,79 Pocket Zero / BNPL / Pocket Zero is a Buy Now, Pay Later (BNPL) service that allows customers to purchase products and services from participating merchants and pay for them in installments over 90 days. Loan amount: MNT 100,000 – MNT 10,000,000 Loan period: 90 days Example: Principle loan: MNT 100,000 Loan period: 90 days (can be extended before the due date) Monthly interest: 0% Total fees: MNT 0 Total interest: MNT 0 Total amount payable: MNT 100,000 What Are Bonus Points? Customers earn reward points through following activities performed within the app. These points can be used to increase their credit limit and reduce loan fees and interest rates. Example: Repay the loan on time: 10 points Read daily news: 1 point Play games: up to 5 points Invite friends: 200 points Watch explainer videos: 20 points Other eligible activities Contact Us Customer Service: +976 1900-1188, +976 7777-8885 Email: info@pocket.mn Website: pocket.mn Facebook: Facebook.com/PocketMN Address: 13th Floor, IC Tower-1, Parisian Street, 1st Khoroo, Sukhbaatar District, Ulaanbaatar, Mongolia

The OmniPay Mobile App allows users to manage and gain access to payment functionalities for all their cards within OmniPay payment ecosystem with one single application. Cardholders may securely transfer, manage funds, balances and view transactions with ease.