National Open Mobile Multimedia Cooperative Federation Limited

Date: 26th June 2012: Microsoft's Big Bet on 'Social Enterprise': Microsoft announced on Monday that it
would buy Yammer, a Social network service for businesses, for $1.2 billion in cash, as it seeks to strengthen its enterprise software business and compete more directly with Salesforce.com. Yammer, which calls itself "the enterprise Social network," is a sort of Facebook for business. Its Web-based service allows companies to create private Social networks, where employees can privately chat, shares files and collaborate on projects. Though Microsoft's suite of software has become ubiquitous in homes and offices, the company has fallen behind on Social networking applications for businesses. The company offers SharePoint, a collaboration platform, but the service is primarily used to share and manage documents. With Yammer, Microsoft will be able to pin its applications to a Social graph flush with communication tools. "Microsoft has been a bit slow to Social game," said Rob Koplowitz, a Forrester Research analyst. "Social enterprise is taking off, and Microsoft needs a strong position."

Welcome To The Next Big Thing

We are an Open Mobile Multimedia Co-operative Federation established to promote Social Multi Media and Mobile Banking investment Opportunities among both young and old interested in new and emerging Social Media and Mobile Banking Platforms and technologies and entrepreneurs opportunities by organizing a pool of private funds to serve as a reliable source of Angle Investment Funds in Members Social Media and Mobile Banking (Human and Technology) Enterprise Ventures. Members can look towards as a convenient and more affordable means of personal and entrepreneurial development. Our targets are Technology Investment Pioneers interested in Emerging Social Media and Mobile Banking Companies and Associated Opportunities; those who are aspiring, striving or thriving entrepreneurs, to meet their personal, economic, social, cultural and academic aspirations through a jointly owned Social enterprise; National O-Mobile Multimedia Cooperative Federation Limited. National O-Mobile Multimedia Co-operative Federation Limited will be registered with the Department of Cooperative of the Federal Ministry of Agriculture and Rural Development of the Federal Republic of Nigeria. Through joint effort and affiliate network membership, we want to demystify the gruesome challenge of Social Media SME Start Up and create Funding in Nigeria for Member SMEs who genuinely have entrepreneurial vision and are willing to make a bold step towards the seemingly distant future using Social Media and Mobile Banking media as a platform. Our philosophy is simple; there is awesome power and amazing possibilities in collaborative efforts in Social Media and Mobile Banking Enterprise Technology is Democratizing that Power for all to use. We believe people can achieve much more together than individually, entrepreneurs and SME owners can achieve their dreams with or without the exorbitant traditional institution loans. We are convinced that there is a postmodern approach to thrift and credit cooperation; we can develop our individual abilities while we grow our collective opportunities and strengthen our economy. We believe that young and old professionals deserve to invest their time, skills and energy in their own future rather than scrambling for opportunities with big multinational corporations that does not exist. Social Media and Mobile Banking Platform have created a massive employment Platform for Social Media and Mobile Banking Enthusiast to come together, save, share, lend and invest together to form a formidable stage for their individual and collective success.

Our mission
..We provide affordable but sustainable development and financial services that enhance the productivity of MSMEs and the unbanked using Social Media Power.

Our vision
To Be a Bottom of the Pyramid Development Community with 20 Million Mobile Entrepreneurs Using Mobile devices to Automate their Business Processes By 2020

Our Objectives
To tap into the power of Social Media and Mobile Banking Media to operate a very successful Open Mobile Social Media and Mobile Banking thrift and credit union for youths and old wiling to understand the power of Social Media for positive use. To provide specialized Social Media business training and entrepreneurial mentoring for members. To meet the Social Multimedia and Cashless business needs of our members and needs of our community. To respond to our members the Social Multimedia and Cashless needs and appropriate our profits amongst them. To be an the Social Multimedia ethical leader in the Federation by growing responsible the Social Multimedia professionals. To promote among members the spirit of Human and Technology Social Media and Mobile Banking entrepreneurship, mutual help and self-help based on cooperative principles To provide funds for regular income earners to develop and operate for legal and viable business. To inspire others through collaboration

Action Plans:
Upgrading the quality, professional content, productivity and welfare of members through regular entrepreneurial Social Media and Mobile Banking Media, Online and Physical trainings/seminars and workshops. Providing credit and Investment to members Businesses, encouraging and empowering them to own their own businesses and be self-reliant. Creating employments through the provision of practical the Social Multimedia and Cashless business and entrepreneurial skills for members. Make investments in business ventures, stocks or real property which will generate returns that would be shared as dividends to members periodically, depending on any surplus that accrues to the fund Make substantial contribution to the commercial growth and development of the country by undertaking the Social Multimedia and Cashless business ventures and small scale enterprise financing To do such other things or provide such facilities or services as may be necessary, incidental or conducive to the attainment of the afore-mentioned objects.

Social Media and Mobile Banking Angel Investment

Every ordinary member is a Social Media and Mobile Banking Angel Investor in our society. Minimum equity ownership for any member is N39, 000.00 investable within the first six months of membership (Minimum of N6, 500.00 Investment Monthly for Six Months). The equity can be more than N39, 000.00 and dividend is payable for every profitable year, so we encourage members to own invest in excess of the minimum requirement. SOCIAL MEDIA AND MOBILE BANKING PROFESSIONAL MEMBERSHIP Social Media and Mobile Banking Professional Membership (SEP) it is open to members interested in Social Media and Mobile Banking Media Opportunities and knowledge. National O-Mobile Multimedia Cooperative Federation Limited is a not-for-profit registered co-operative Association that is owned by its members. That means profits generated go back into the Federation for improvements to services, financial reserves, higher investment rates and lower loan rates. As a State member of the National O-Mobile Multimedia Cooperative Federation, members have access to a full array of Social Media and Mobile Banking Media Platforms and services designed to help you save time, money and satisfy your personal and financial goals. We constantly scanning the Social Media and Mobile Banking Media Space looking for better Social Media and Mobile Banking Platforms that provides our members with the most current, convenient and beneficial services whether it is financial or otherwise. We rely on the dedication and Network marketing programme for our members to grow tremendously within the next five (5) years to a Ten Million Member Social Media and Mobile Banking Cooperative. We have developed a 3MLM (Multi-Level-Marketing: Multi-LevelMentoring: Multi-Level-Microcredit) membership system in which members who introduce other active members will have privileges on increasing residual earnings, increased Investment limit, Matrix Leadership and annual bonuses. We have therefore set a standard target for each of our members to introduce minimum of three (3) other members to become an active member and qualify for all benefits of membership. This is a voluntary not obligatory business opportunity and duty as a Social Media and Mobile Banking Media Pioneer is a duty every one of our members owes the society. Why become a member? Membership Benefits: Access to Social Multimedia mentoring with inspiring and successful entrepreneurs Monthly Social Multimedia Mastermind Entrepreneurial training and development Interaction and brainstorming with other Social Media entrepreneurs Business Marketing, Networking and opportunities Funding for both personal and business needs Collaborations, Partnerships and Investment Opportunities

Products and Services

O-MOBILE MENTEE SAVINGS ACCOUNT Saving is a compulsory cooperative practice. We encourage our members to save today in order to meet tomorrow's rising needs. O-Mobile Certified Consultants and Mentors would meet with our members to work out and agree a convenient saving amount and pattern such that it does not affect everyday living adversely. Saving is for both business and personal objectives through opening of an O-Mobile ThriftPAY Account with National O-Mobile Co-operative Multimedia Federation Limited It's a savings account with N6, 500.00 as minimum balance and multiples of N6, 500 regular saving on which you earn monthly interest income from the National O-Mobile Co-operative Multimedia Federation Limited Members can withdraw from their savings account but this is not advisable for a sustainable thrift objective especially if this is a target savings. O-MOBILE SOCIAL INVESTMENT ACCOUNT Social Media and Mobile Banking Investment is a compulsory cooperative practice. We encourage our members to invest today in order to meet tomorrow's rising needs. National O-Mobile Cooperative Multimedia Federation Limited members agree a convenient investable amount and pattern such that it does not affect everyday living adversely. Investing is for both business and personal objectives through opening of an O-Mobile Investment Account in any of our O-Mobile Private Cooperatives Banks. It's an Investment account with N10, 000.00 as minimum Investment and multiples of N5, 000.00 regular Investment on which you earn annual return on your investment. This is an annual investment Plan, so you cannot withdraw from you investment account throughout the year. O-MOBILEMAMCIS MICRO FARMING ACCOUNT O-Mobile Mechanized Agriculture and Micro Credit investment Account is an Agric Value Chain Account Operated in partnership with MAMCIS Cooperative Trust Fund, Africa Capital & Business Support Services Limited and Participating Partner Cooperatives. Members qualify for loan after contributing 6% of the amount they are looking for in there Account. This Loans amount applicable is from N500, 000.00 to N10, 000,000.00. O-MOBILEMAMCIS SMALL FARMING ACCOUNT O-Mobile Mechanized Agriculture and Micro Credit investment Account is an Agric Value Chain Account Operated in partnership with MAMCIS Cooperative Trust Fund, Africa Capital & Business Support Services Limited and Participating Partner Cooperatives. Members qualify for loan after contributing 6% of the amount they are looking for in there Account. This is applicable to Agric Loans from N10, 000,000.00. to N50,000,000.00

O-MOBILEMAMCIS LARGE FARMING ACCOUNT O-Mobile Mechanized Agriculture and Micro Credit investment Account is an Agric Value Chain Account Operated in partnership with our MAMCIS Cooperative Trust Fund, Africa Capital & Business Support Services Limited and Participating Partner Cooperatives. Members qualify for loan after contributing 6% of the amount they are looking for in there Account. This is application to Loans from N50, 000,000.00. to N350,000,000.00. O-MOBILEMAMCIS MEGA FARMING ACCOUNT O-Mobile Mechanized Agriculture and Micro Credit investment Account is an Agric Value Chain Account Operated in partnership with our MAMCIS Cooperative Trust Fund, Africa Capital & Business Support Services Limited and Participating Partner Cooperatives. Members qualify for loan after contributing 6% of the amount they are looking for in there Account. This is application to Loans from N350, 000,000.00.

O-MOBILE (R-4H) ACCOUNT O-Mobile (R-4H) Account is the adaptation of O-Mobile Products and Services for Rural Agrarian Youths and Seed Industry Development Association (RAYSIDA) Members Nationwide. O-MOBILE YEEP ACCOUNT O-Mobile YEEP Account is the adaptation of O-Mobile Young Ethical Empowered Professionals Project in partnership with Junior Chambers International (JCI) Nigeria. This programme which will run in all Universities in Nigeria will focus on developing ethical behaviors in our member SMEs COCONUT AVENUE AGENCY INSTITUTION ACCOUNT Coconut Avenue Microfinance Bank Limited and National O-Mobile Multimedia Cooperative Federation Limited is developing a Network of over 100,000.00 Agency Network. We really want to make sure our members feel the impact of the emerging Social Medial and Mobile Banking Economy by having Social Multimedia and Mobile Banking business to show their belonging the Social Multimedia and Mobile Banking Economy. There are finance opportunities for our members who can demonstrate that they are really interested in the industry and are able to get the location rent. This finance cover the cost of all IT Systems, Platforms and Softwares needed to operate an Agency Banking Location. We help our members to provide the equipments, Systems and Trainings needed to operate a Mobile Banking business in the emerging Social Enterprise and Mobile Banking Economy. Repayment period is entirely dependent on the cash flow of the Business and will not affect your other income from other businesses.

PAYDAY LOAN/SALARY ADVANCE THROUGH OUR PARTNER MICROFINANCE INSTITUTION Members who have financial commitments and want money before payday can avail themselves of this opportunity. Money is made available for pressing needs at a percentage and members pay back at the end of the month. A non-member may take the payday loan but must be guaranteed by a member of the cooperative society. CONTRACT, SUPPLY & LPO FINANCE THROUGH OUR PARTNER MICROFINANCE INSTITUTION Businesses need funds to grow and succeed. We would like to associate with the prospect of our members when they need urgent funds to execute contract. We finance Local Purchase Orders and Supply on behalf of our members at a fair rate subject to a maximum tenor of three (3) months.

BULK PURCHASE THROUGH OUR PARTNER MICROFINANCE INSTITUTION At O-Mobile, we recognize everyday living expenses as a factor affecting financial freedom and the success of entrepreneurship. We are therefore committed to being a part of our members' daily life. Our Federation operates a 'members only' warehouse for the supply of daily needs for children and adults. We acquire a variety of food items and daily need products for direct supply to members at very large discounts. As a cooperative we enjoy the benefit of bargain purchases with several manufacturers who will deliver their products at reduced rates. This bulk-buying system will ensure 90% of our products have discounts available only to members at prices unavailable elsewhere, which will as a result free up funds for member savings. We shall also take advantage of manufacturers financing i.e. buy now and pay later schemes especially for house hold items or equipment of significant values. MSECUREPAY THROUGH OUR PARTNER MICROFINANCE INSTITUTION The MSecure Pay facility can save members queuing time. It can be used for making savings or loan repayments or deposits to their savings account by standing order from the bank, deduction from salaries (where employers agree) or by posting Cheque to the co-operative. It enables members pay bills and transfers quickly. We operate a standard POS machine that enables our members withdraw from or save into their institution accounts. You don't have to go to the institution at any time; you can do all of your transactions from the cooperative office. QUARTERLY TRAINING AND DEVELOPMENT Professional Development through trainings and workshops for members; depending on field of specialization and/or entrepreneurial dreams, members will be empowered through trainings at different times of the year towards actualization of personal and professional development.

O-MOBILEMAMCIS VALUE CHAIN

O-MOBILEMAMCIS MEMBER COOPERATIVES

MAMCISMAMCIS COOPERATIVE TRUST FUND/KEMSON/ACBS

O-MOBILEMAMCIS MEMBERS MICROFINANCE BANKS

O-MOBILE MEMBER FARMERS

O-MOBILE SME CONSULTANTS

O-MOBILE AGRODEALERS

O-MOBILE WAREHOUSE MANAGERS

INSURANCE We teach our members the opportunities available in buying insurance policies of various categories. We broker insurance deals for our members in order for them to have the best deals and ensure that their claims are granted when the need arises. We are involved in many viable and relevant business areas all for the interest and welfare of our member and that of their business. BANKING & MONEY TRANSFER We have the financial interest of our members at heart. We give tips on available opportunities in the banking industry and how best to take advantage of them without being ripped off by their bankers. We facilitate local and international payments by providing electronic money transfer instructions or buy institution drafts on behalf of our members. We keep our members informed about current financial trends and their implications. UNSECURED LOAN Members borrow clean, meaning without pledging any collateral but usually up to a predetermined limit based on some lending criteria such as length of employment, membership standing, credit record, income ratio and amount required.

EXISTING SOCIAL MEDIA AND MOBILE BUSINESS OPPORTUNITY EXCLUSIVELY OFFERED TO MEMBERS

1. 2. 3. 4. 5. 6.
7.

Coconut Avenue Microfinance Bank Limited O-Mobile Network Limited O-Mobile Money Limited O-Mobile Taxi Limited O-Mobile Telecoms Limited MCollectPlus Limited MSecure Limited

O-Mobile YOUNG EMPOWERED ETHICAL PROFESSIONALS (O-YEEPs)

Wanted Nationwide
About O-Mobile YEEP O-YEEP is a programme by O-Mobile and JCI-Nigeria that builds the capacity of youths and empowers them with business opportunities through its partnership with microfinance banks Nationwide. The programme provides a platform for partnership with MFBs, MFIs, Cooperatives, Associations, Business Support Clubs, Multi-Purpose Unions, Mini Call and Friendship Centers. O-Mobile YEEP Capacity Building Channels: 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. SME Business Planning SME Financial Planning SME Capital Structuring SME Legal Structuring SME Sales & Marketing SME Electronic Accounting SME Electronic Auditing SME Banking Relationship Management Channel SME Proposal Development SME HR Planning and Implementation SME Content Management SME Public Relations Management Platinum Mentors Profile You are Internet Savvy; an internet media innovator You have made or have the passion to make measurable achievements and accomplishments in your personal and/or professional life. You enjoy sharing your experiences and knowledge with others who are eager to learn. You gain satisfaction from watching others grow and succeed.

Entry Fee And Micro Loan The Official onetime fee is N120, 000. However our partner Microfinance Banks provide a Limited Partnership Micro financing of the entry fee with a contribution of N25, 000.00 Contact Your Chapter President to Register and Send your cv to: vamushan@kemsonconcept.com O-Mobile YEEP Lagos Offices ADDRESS LOCATION

How O-Mobile YEEP Works An O-YEEP is an SME Consultant who has been trained by the O-YEEP Platinum Mentor and equipped through O-Mobile Tablets device (O-TAB) and Smart Phones (O-Mobile). The System compensates through a 3x9 multi-level marketing structure. An estimated monthly income of N1.47m is projected to the platinum mentors and their mentee.

SERVICE CONDITIONS: 1. Only members of State Federation would be primary beneficiary of any of our services. 2. Members can take loan amount up to ten times (OR MORE) the value of their total savings subject to terms and conditions. 3. The repayment is through member's payroll or business income (or as agreed with member). 4. To access any loan member must have been registered with the Cooperative and making regular contributions for at least three to six months. The minimum share capital must have been fully paid. 5. Personal and business loans and investments help members to save money and repay the loan over a reasonable period of time at a fair and fixed rate of interest. 6. Loans are insured at a specified cost to the eligible member. 7. Repayment protection insurance is available as an optional extra. 8. No hidden fees or transaction charges. 9. Repayments calculated on the reducing balance of the loan. This means smaller interest repayments as you repay your loan. 10. Repayment terms to suit your particular circumstances. 11. Flexibility -you can repay the loan earlier or make larger repayments than agreed with no penalty. 12. Additional lump sum repayments accepted with no penalty; members can pay additional sums on loans, provided the full value of the loan is paid within stipulated period. However, in event of default, there shall be penalty.

Membership Class and Fees Ordinary Members: Minimum share subscription of 39,000 units @ N1.00 per share Cooperative Members: Minimum share subscription of 10,000 units @ N1.00 per share. National O-Mobile Multimedia Cooperative Federation membership fee includes; Non-refundable Application fee of N6, 500.00 and an Annual Subscription of N2, 500 per member of the Associate State Federations. For further enquiries and information about membership please contact us; National O-Mobile Multimedia Cooperative Federation Limited 45A, Campbell Street, Inikan, Lagos, Nigeria. Tel: +2348093374232 (Benjamin Aduli), Email: b.aduli@kemsonconcept.com +2348034011570 (Chinedu Achunine) Email: Whattodonext@yahoo.com

National O-Mobile Co-operative Multimedia Federation Limited is a not-for-profit organization.