The Perfect Money payment system team wishes you a Merry Christmas and a Happy New Year 2020 Dear Perfect Money payment system customers, Perfect Money team has worked hard over the last 12 years to make sure that your daily financial transactions are as convenient as possible. Looking back, we have come a long way together. While most of the time this road was smooth, from time to time certain issues arose, which were confidently dealt with by our team, adding to our experience and strength. It is our custom to outline our achievements as the end of this year is near. 2019 was particularly successful for our company. Adding Cash In/Cash Out options enabled us to make a dramatic step forward towards new customers living at locations where other deposit/withdrawal methods are not available. Each year our payment system adds a new customer base where traditional banking is not sufficiently developed due to various reasons. Over the year 2019, we succeeded in gaining a significant market share of payment solutions markets in countries such as Vietnam, Ivory Coast, India, Pakistan, Bangladesh, and Indonesia. In addition, over 2019, we have upgraded our fraud monitoring system resulting in 65% reduction of fraudulent transactions compared to 2018 levels. Mobile applications use has grown by 20%. It is also worth noting that our mobile apps are rated by users at 4-5 points out 5 available. As a finance sector company, we highly prioritize the safety of our customer's accounts. This year we intend to introduce two-factor authentication which will allow an additional security layer in the form of a one-time password required to login to your Perfect Money account. In the year 2020 and are committed to further innovations that will make using our system much more convenient, safe and enjoyable. We would like to wish all of you and your loved ones financial security, stability, and may all your wishes come true. As family is essential for each and every one of us, we would especially like to wish all the best to your families. We highly appreciate the trust you placed in us in 2019 and we will do our best to make sure that in the year 2020 you will enjoy using our payment system even more!