Technology for the Cannabis Industry. In partnership with

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1 Technology for the Cannabis Industry In partnership with

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4 The Problem The Legal Cannabis Industry Is Faced With Critical Issues That Prevent It From Operating & Scaling Like Any Other Industry Access to Stable Banking Services Tracking and Monitoring Compliance Payment Processing Financial Reporting and Taxation Operational and Resource Management 4

5 The Solution KIND provides the only technology platform enabling cannabis businesses across the globe to seamlessly accept credit card payments, monitor compliance, manage operations, and access stable financial services. Seed to Sale Software. Closed Loop Payment Platform. Track and Trace Software for Governments Compliance Software for Financial Institutions Plant tracking and operational management across the cannabis business life-cycle. A first of its kind, cash-free payment solution for cannabis related businesses. Technology to monitor compliance with jurisdictional rules and requirements. A dashboard for financial institutions to monitor cannabis related banking initiatives. 5

6 Global Opportunities The Global Cannabis Market Will Surge to $63.5 Billion by 2024 New business opportunities for KIND exist across the globe providing technology for governments, cannabis-related businesses, and financial institutions as well as monetizing data collection. International Expansion Beyond the United States, twenty countries have legalized cannabis for either recreational or medicinal use. KIND is currently in discussion with several countries regarding their compliance and regulatory platforms. 6

7 The Challenges in Canada Canadian cannabis businesses face the same hurdles as their US counterparts with regard to accessing stable financial services. Save Toronto-Dominion Bank, none of Canada's big five banks TD, Royal Bank of Canada, Bank of Nova Scotia, Bank of Montreal and the Canadian Imperial Bank of Commerce acknowledged questions about their dealings with federally licensed producers or dispensaries. 7

8 Building a Closed Loop Payment System for the Cannabis Industry Visa and Mastercard have said their policy is to ensure that no illegal transactions enter their systems. However, Visa has acknowledged deferring to their merchant banks to decide the definition of illegal. (Denver Post) A Sponsor / Issuing Bank that interacts with Cardholder and acts as middle-man with merchant and card networks A Third-party Processor to interact with the card networks and process transaction payouts. A presence at the POS where Customer Presents App / Card for payment. An Acquiring Bank which maintains bank account for the MRB. A secure Gateway to Authorize Transaction with Bank.

9 Building a Closed Loop Payment System for the Cannabis Industry KIND has Forged Partnerships to Complete the Loop Sponsor Bank Issuing Bank / Processor POS Presence MRB Bank Accounts Payment Gateway

10 Strategic Partnerships Banking and ecommerce Relationships The Ghermezian family (operating under Triple Five Worldwide ) is responsible for some of the largest shopping malls in North America (the Mall of America, West Edmonton Mall, and soon to be American Dreams Meadowlands in NJ The Ghermezian portfolio also includes a private bank in Canada and a Federally Chartered Bank in New York State For more on the Ghermezian Family and Triple Five Worldwide: Wikipedia Triple Five Worldwide KIND has partnered with Shopify and MERRCO for their ecommerce and payment processing platforms

11 The Technology: KIND Seed to Payment KIND Seed to Payment launching in Canada Q3 of KIND Seed to Payment is the first seamless platform to integrate ACMPR seed to sale compliance with ecommerce and payment processing, facilitating all cannabis business services from one dashboard. 11

12 The First Cash-free Mobile Payment and Loyalty Platform for the Cannabis Industry with the ability to use Visa and Mastercard Launching in Canada Q and in the United States Q * Integrates seamlessly with existing technology Builds customer loyalty Ensures security with hosting on Microsoft Azure s local data centers across the globe * Pending Bank Approval 12

13 What Sets KIND Apart A One of a KIND Suite of Technology Services A Talented and Seasoned Team Strategically Positioned Like None Other The KIND Executive Team includes pioneers of the cannabis industry and top industry experts across key disciplines: KIND s Platform leverages the most advanced technology in the world: Executives from the Payment Processing and Mobile App Industry (PayPal) Ex-State Regulators, Ex-Federal Regulators and Ex-Law Enforcement Certified Anti-money Laundering Specialists (CAMS) Leaders in Government Compliance and Licensing Experienced Board Advisors Technology Experts in Seed to Sale and Data Security Cloud hosting on Microsoft Azure Seamless integrations with Microsoft s latest product releases Top-notch plant-tracking and security features Custom development for each jurisdiction 13

14 KIND s Unique Relationship With Microsoft Provides Unmatched Credibility and Superior Technology The only cannabis company chosen to the Microsoft Health and Human Services POD for independent software vendors Direct access to dedicated Microsoft resources Strategic calls for sales planning and ongoing product updates Access to Microsoft integrations and co-marketing strategies 14

15 Empowering Financial Institutions With the Tools Needed to Service the Cannabis Industry Link to Banking is dedicated to helping the banking community comply with the federal guidelines set forth by FinCEN and the Cole Memorandums so it can work comfortably with cannabis-related businesses. The Banker s Link to Cannabis Compliance (BLINCC) dashboard connects financial institutions to cannabis businesses directly at the point-of-sale to monitor and track compliance at the most granular level possible. Link to Banking s Three-step Approach: Data Validation Written Cannabis Compliance Program Regulatory Technology Dashboard (BLINCC) For more info, watch the webinar from Link to Banking on Banking Cannabis With Confidence 15

16 Technology Partners KIND is working with top technology leaders across industries to create the most robust platform to meet the unique needs of legal cannabis businesses Current Microsoft partner providing RFID Technology and IoT solutions. Secure payment gateway with fully customizable compliance controls. Lets customers reorder their favorite items at the push of a button. Mobile marketing capabilities with NFC and hardware, label/packaging integration services. A Microsoft Integrator offering a blockchain optimized and connected vehicle platform to track chain of custody. Bluetooth, real-time indoor location tracking for security monitoring and plant tracking. 16

17 Top Competitors FEATURES Seed to Sale Government Tracking Payments & Loyalty Banking Global Reach 17

18 The Evolution of KIND 2015 KIND acquires Agrisoft 2016 KIND Government launches with Microsoft Partnership 2017 KIND partners with People's Trust Bank in Canada 2012 The idea for KIND is born Funding and public debut 2015 First account for Link to Banking 2016 KIND Government secures first contract with Rhode Island 2018 KIND launches the first closed loop payment solution for the cannabis industry 18

19 Use of Funds Product Development, Acquiring Global Market Share, Customer Service NEW PRODUCT DEVELOPMENT Enhancing current technology with new features and integrations Developing KIND Pay for global expansion Bolstering our development team to scale with future growth SALES, MARKETING, CUSTOMER SUCCESS Identifying and winning new global market opportunities Launching KIND Seed to Payment in Canada to capture new market share Increasing resources for customer service to coincide with acquisition of new accounts Expanding internal sales team and partner efforts 19

20 The KIND Executive Team DAVID DINENBERG Founder and CEO DAVE PECK President Chief Marketing Officer GREGORY LISS EVP of Sales MARK C. GELNAW Chief Financial Officer ROBERT CASARES, CAMS President, Co-founder of Link to Banking TOM FLEMING, CAMS Chairman, Co-founder of Link to Banking David is well respected for his role in creating the platform for compliance across the emerging cannabis industry. He is a seasoned entrepreneur with a track record of successful ventures across real estate, entertainment, and food services. As KIND s Founder and CEO, David is responsible for the company s corporate strategy and vision. At PayPal, Dave oversaw the company s social strategy and influencer relations, and also led the development and execution of integrated digital marketing. Earlier, he helped build online communities and develop social media strategies for several major brands, including Coca Cola, Wells Fargo and the Grammys. Greg has over twenty years of experience in financial management and sales. He has been responsible for defining the go to market sales strategies for several financial start ups and currently handles all sales driven initiatives for KIND. Mark has over 35 years of experience in the financial services industry. During his 9 years at Deutsche Bank, Mark was involved in all aspects of the business including structuring, marketing, investment management, due diligence as well as serving as a liaison with all the service functions that interface with the business processes. Additionally, Mark served as portfolio manager of the Angel Fund focusing on investing and developing emerging ventures. Rob is an expert in banking, information technology and financial crime risk management. He s a Certified Anti money Laundering Specialist (CAMS) with experience assisting financial institutions with their BSA/AML, fraud, and compliance. needs. Tom is a former Assistant Director at the Financial Crimes Enforcement Network (FinCEN) with over 40 years of experience in both the banking industry and Bank Secrecy Act / Anti-money laundering Compliance (BSA / AML) enforcement. 20

21 KIND s Advisory Board MATTHEW D. COOK Owner, Cook Consulting LINDY SNIDER Owner, Lindiskin STORMY SIMON Former President Overstock.com MARK C. GELNAW Founder and President, Breakwater Ventures LLC WAYNE KIMMEL Managing Partner, Seventysix Capital MONTEL WILLIAMS Industry Advocate and Entrepreneur As Colorado s Director of Liquor Enforcement, Matt authored the state s legislation for medicinal cannabis and then served as its first Senior Director of enforcement with oversight of medical marijuana. Matt is currently working with several other emerging markets to author their cannabis legislation. Lindy is the founder and CEO of Lindi Skin, the first full line of skin care products for cancer patients. A seasoned entrepreneur and daughter of Comcast Founder, Ed Snider, Lindy has several investments in the cannabis space and is a member of the Arcview Group. Over the course of 15 years at Overstock.com, Stormy played a crucial role in the retailer s growth from 18M to 1.8B. After successfully branding the company and creating the industry standard in Customer Care, she was voted to the Board of Directors in 2011 and named President in She was awarded Power Player by the National Retail Federation s The List in 2016, and awarded Top Innovator by Utah Women in Tech awards in In summer 2016, she stepped down as President of Overstock to explore the emerging cannabis industry. Mark has over 35 years of experience in the financial services industry. During his 9 years at Deutsche Bank, Mark was involved in all aspects of the business including structuring, marketing, investment management, due diligence as well as serving as a liaison with all the service functions that interface with the business processes. Additionally, Mark served as portfolio manager of the Angel Fund focusing on investing and developing emerging ventures. Wayne Kimmel is a Managing Partner of SeventySix Capital, a venture capital firm he founded in Wayne has invested in over 40 startup consumer facing technology and healthcare companies. Montel Williams has become one of the most high profile medical cannabis advocates in the country since his diagnosis with MS in He believes, in order to grow, the industry must figure out a way to manage compliance and supports KIND s efforts to make it happen. 21

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