Banking is hard. It s 2017, but s-ll almost half of the popula-on in developing countries have no access to financial services.

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2 Banking is hard It s 2017, but s-ll almost half of the popula-on in developing countries have no access to financial services. Financial exclusion is real.

3 Our solu0on: Telcoin A cryptocurrency distributed by your mobile operator and accepted everywhere.

4 5B vs 1.2B Bank accounts M Mobile Phones Ac-ve bank accounts with According to GSMA, there are now payment capability, according 5B Mobile phones, and the number to the World Bank. is growing steadily. People use phones, not banks. AND WE RE BRINGING BANKING TO THOSE PHONES.

5 How we will bring Telcoin to life T H E T E LCO I N O P E N ECO SYS T E M W I L L FO C U S O N CO N N EC T I V I T Y TO A N Y T E LCO S, E XC H A N G E S & WA L L E T S Telco Partnerships Exchanges Wallets Our team has strong telco DNA, We are commired to connec-ng with We will immediately offer the TenX wallet, which will allow us to nego-ate exis-ng and future exchanges and but will also help telcos release branded partnerships with operators globally. inter-blockchain mechanisms like COMIT. Telcoin wallets and work with third-par-es.

6 Telcoin Cryptocurrency Details A SOLID FOUNDATION AND MODEL FOR ADOPTION Ethereum Blockchain Issued by Telcos Telcoin is essen-ally a token based on the Ethereum blockchain. We re therefore at least $30B Secure. Telcoin is exclusively issued by mobile operators with a built-in incen-ve that issues coin at a rate dependent on their stage of Telcoin integra-on.

7 How Telcoin Works FROM TELCOIN TO MOBILE NETWORKS TO THEIR SUBSCRIBERS Telcoin Operator Subscribers We will issue Telcoin to operators for free, which will sell their supply to their subscribers, allowing us to be distributed for free all over the world.

8 Our first business case: Interna0onal RemiZances Uniquely posi-oned to provide an access to cryptocurrencies and financial services to billions of users, We are star-ng with remirances as our first business case. We will allow seamless and instant interna-onal transfers using mobile operators to cash in and out of Telcoin.

9 Opportunity Size WE ARE ENTERING MARKETS WITH ENORMOUS POTENTIAL 4000 $500B in annual remizances 3000 The global remirance market is massive yet neglected. Current op-ons are expensive and -me consuming. Telcoin will leverage the best of cryptocurrency technology 2000 and telco posi-oning to capture a por-on of this market $1.5T in annual mobile payments We are not limi-ng the roadmap to remirances, we also intend to enter the mobile payments market ayerwards It is massive and growing. As Telcoin grows as a mobile payment op-on, we will capture a por-on of this market via exchange fees between telcoin and local currencies. RemiRances Mobile Payments

10 Current Situa0on (RemiZance Case) HOW PEOPLE ARE CURRENTLY DOING REMITTANCES $1000 WU $935! $935! Bob goes to Western Union, waits in line, fills a form, and sends $1000 Alice goes to Western Union, waits in line, fills a form, and gets her money. AYer all this wait, Alice can only spend $935* * Or $950 if willing to wait 4 business days * In local currency - based on average exchange rate loss plus transaction fee

11 Telcoin User Journey WHY AND HOW PEOPLE WILL USE TELCOIN $1000 $980! $980! Bob buys $1000 in Telcoin from his Operator Mobile Wallet Alice instantly receives Telcoin into her Operator Mobile Wallet Alice can spend $980* * In local currency - based on average exchange rate loss plus 1% transaction fee (0.5% fee on both sides)

12 0.5% fee each way Operator acting as a Telcoin Exchange Mobile User Buying and selling Telcoin Business model CORE REVENUE FROM TELCOIN EXCHANGE We will enable mobile operators to issue Telcoin by connec-ng to global exchanges on their behalf. Our primary source of revenue will come from charging mobile operators when they buy and sell Telcoin.

13 Incen0ve model HOW WE WILL MOTIVATE TELCOS TO ADOPT TELCOIN 1 The more you use, the more you get. Connec-ng to Telcoin will make a telco immediately qualify to receive con-nuous Telcoin issuance. Telcos with more Telcoin exchange traffic 4 2 will receive more. Early adop-ng telcos will receive considerably more as there will be few other telcos with rights in the first year. Telcoin integra0on stages Telcoin issuance rights BASED ON STAGE OF TELCOIN INTEGRATION Telcoin issuance to telcos will occur at a rate of 5% annually for a period of 10 years following the ICO, distributed to GSMA mobile networks con-nuously based their stage of Telcoin adop-on. 1. Connect with Telcoin (10%) 2. Network Size (10%) 3. Telcoin Exchange Volume (50%) 4. Compliance Maturity (30%) 3

14 Mpesa Compe00on Gcash A QUICK GLANCE AT THE NEW CURRENCY SPACE Today, cryptocurrencies and mobile money are growing, but not in a way we believe to be the most convenient for users in the long term. Local convenience Mobile Money PayPal Transfer Wise ETH Cryptocurrencies like Bitcoin are difficult to use, money transfer solu-ons like Western Union are expensive and either imprac-cal or require access to banking, and mobile wallets like mpesa are too local to be of any use for remirances or global e-commerce. Telcoin will increase usefulness and adop0on of Mobile Money. Western Union Money Transfer Solu-ons Global availability BTC Tradi-onal Cryptocurrencies

15 Challenges THE LARGEST OBSTACLES BETWEEN US AND THE MARKET Regula0ons Security Telcos environment The current regulatory landscape for cryptocurrencies is not entirely clear, but we are confident the trust resulting from our relationships with operators will help us complying with regulators. Security is still a major issue in the blockchain world. Among other points, we will use the most secure wallets and invest heavily in R&D for multiple areas like a new smart contract programming language. Our business model will heavily depend on our relationships with Telcos. Our experience in the field allowed us to design our incentive model to reduce friction to a minimum.

16 The raise: Ini0al Coin Offering (ICO) Unlike most startups, Telcoin will raise funds through selling its product directly, turning supporters and investors into users. This process is called an ICO, standing for Ini-al Coin Offering. In November 2017, users will have the opportunity to buy Telcoin at a low price, before the currency is officially distributed by mobile operators.

17 Typical delay before liquidity event ICOS ARE DIFFERENT, THEY GIVE YOU ACCESS TO LIQUIDITY FAST 1 day 30 days 7 years Day Trading ICO Tradi0onal Seed Investment

18 ICO Model: Telcoin distribu0on TELCOIN WILL BE DISTRIBUTED AND ISSUED IN A WAY THAT ENSURES FAIRNESS AND INCENTIVIZES ADOPTION Telcoin Pte Ltd 15% Liquidity Fund 5% Telcoin Foundation 5% Telcoin ICO 25% Telco Issuance (over 10 years) 50% On ICO day, 25% of the total supply of Telcoin will be sold in exchange for cryptocurrencies. 15% of Telcoin will be retained in the company, 5% will be put aside for a liquidity fund, 5% will fund the non-profit Telcoin Founda-on, controlled by all coin holders, and 50% will set aside for telco issuance, at the rate or 5% every year.

19 ICO Dec 11th We re planning our ICO on December 11th. At this moment, holders of cryptocurrencies will be able to buy Telcoin before it s in circula-on, giving them an advantageous pricing. Our 0meline

20 Trial starts with first telecom Q Our first partners will start accep-ng and distribu-ng Telcoin, free of charge, giving them the first mover advantage. 10 mobile networks accept Telcoin Our interna-onal expansion in both the developing and Q developed world will bring us to at least ten telcos. 10 million people have used Telcoin Q Our unique product posi-oning and joint marke-ng efforts with mobile operators will allow us to target exponen-al growth in Telcoin usage.

21 The team behind Telcoin We are coming from various horizons, from large tech companies to leaders in telecommunica-ons soyware. Different, yet united, the Telcoin team forms a unique blend of tech, finance, and telco business talent.

22 The Founders Claude Eguienta Paul Neuner CO-FOUNDER, CEO CO-FOUNDER, CHAIRMAN MS in Computer Science and focused on distributed systems, Claude has been working for startups and large tech companies for a decade. AYer a s-nt as a lead systems architect at CyberAgent he co-founded Kabo0p, a crypto startup which went through the OnLab incubator. Paul has more than two decades of experience as a tech entrepreneur in the telecom space, including a successful exit. In 2006 Paul founded Mobius, a leading provider of telecom fraud management solu-ons that is now the installed at more than 30 mobile operators globally.

23 The Telcoin Team Shimo Kinnunen LEAD DEVELOPER Adam Kull MOBILE LEAD Naïm Boughazi PRODUCT DIRECTOR Self taught full-stack programmer, Open-source rockstar, former CyberAgent, Rust expert. KTH graduate, Adam leading the ios team at Tantan from its incep-on. MS in Computer Science, led product at Tantan, one of the most popular social apps in China. Yacine Farouk MARKETING DIRECTOR Alix Zerd BIZ DEV - CRYPTO Matsuoka Nobusuke BIZ DEV - TELECOM Co-Founded Kabo-p and led marke-ng campaigns for Parrot, Sony, Nike, and Jordan brand. Handled game business development at LINE, the largest social app in Japan. 20 years in telecom for Nokia and as a consultant managing projects at SoYBank and other operators.

24 Telcoin Advisors Michimasa Naka Toby Hoenisch Jeff Quigley Rajesh Sarabi Chris Suh 28 Years in Banking. CEO CEO and Co-Founder at Partner at Red Door Head of Partnerships at Ten years experience Boardwalk Capital. Founded TenX, the most advanced Ventures. Former SEA MasterCard Advisors APAC. specializing in liquidity, Stormharbour Japan. Former cryptocurrency wallet on Regional Manager at Fenox Former Head APAC Sales for payment flows and Co-CEO Ci-bank Japan. Led Android. Raised US$80M in Venture Capital, former Chief Amdocs, largest telecom corporate treasury at financing of Vodafone Japan. the fiyh largest ICO to date. Editor at Tech in Asia Japan. billing system in the world. Goldman Sachs.

25 Thank You