The Future. A New Connected Technology. Awards and Endorsements. The Team. Our Global Network. Contact Us

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2 2 The Future A New Connected Technology Awards and Endorsements The Team Our Global Network Contact Us

3 The Future The future is digital relevance. The future is brand experience shaped by technology. The future is a connected marketplace. Where new technologies converge to remove inefficiencies caused by handling physical cash. Where banks, government, businesses, and financial service providers come together to offer services, anytime, anywhere and on any device. Join the Connected Marketplace. Consumers Banks Merchants & Agents Governments Financial Services Providers

4 Platforms that offer the ability to engage with different financial institutions from a single channel will become the dominant model for the delivery of financial services World Economic Forum August 2017 Beyond Fintech: A Pragmatic Assessment Of Disruptive Potential In Financial Services.

5 5 A New Connected Technology Bill Payments Transaction Microfinance RedCloud One is a bank-grade platform that is end-to-end: from back-end transaction engine and Smart Integration Module, to configurable SaaS Banks Core System Remittance middle-ware, through to front-end white labelled apps. Our Open APIs allow a multitude of new services to join in, whilst our unique software creates configurable white label applications that work on any device. Smart Integration Module We believe that our technology will universally change the way in which Interbank Payment Core Transaction Engine ATMs services are distributed and accessed by people in the new digital economy. We build the technology infrastructure, joining commerce, finance and government to remove physical cash from the supply chain. Any Device Connectivity Agency Banking Insurance Join the Connected Marketplace. USSD Android IOS

6 76 Core Transaction Engine At the core of our solution is a bank grade processing engine. It creates virtual accounts and processes financial transactions to and from these accounts. Registering a new customer could be for a stored value wallet, or for a real bank account using external accounts, with the option to open a savings account or a loyalty/rewards account. Money can be sent to unregistered individuals too, to virally grow the user base.

7 87 OPEN Smart Integration Module ATMs Remittances Kiosks The platform allows for the continued development of a marketplace model where entities can be added continuously. This allows fast change cycles in a microservices architecture using a Software Developer Kit (SDK) network of Application Programming Interfaces (APIs). Bill Payment OPEN Transactions Microfinance Other financial services include: - Core Banking - Central Banks & Blacklists - Other Wallets - Merchant integration - Card Processors - Identification, KYC schemes Insurance Airtime Top-Up

8 98 Any Device Connectivity Created for emerging markets, our platform works with any device including: Android, ios and also legacy USSD feature phones. We can also support tablets and connected machines such as ATMs and POS devices.

9 2017 Visionary Innovation Leadership Award ISO Information Security Certified Cyber Security Testing InfoSec Cyber Security Certification Winner of the 2016 Mobile Money Africa Awards Microsoft Cloud Alliance Partner

10 10 The Team Hans Rudolf Kunz Chairman - 30 years Investment Banker - Senior Managing Director Bear Sterns - Swiss Banking Education - Investor in a number of technology companies Justin Floyd Chief Executive Officer - Investor & Founder in 12 start-ups over 26 year period - Chairman & CEO of Vecta, leading EMEA cloud business - Investor in Cambridge Robotics and Omnisense - TechStars and Swiss Fintech Association mentor Neal Smith Chief Financial Officer - Finance Director of Software Development company - Facilitated company sale for 10x multiple. - Maximised full shareholder Earn Out Soumaya Hamzaoui Chief Product Officer - Development of Orange Money program in Africa - Supported multiple industries in their transformations to adopt new technologies: Transport, Banking, Telecommunication David Poulton Chief Technology Officer - Designed Santander Business Banking platform, managed IT system UK expansion - IT Director, Virgin Money Andrew Robert Day Professional Services - 9 years of experience in delivering complex credit bureau & banking technology projects

11 11 Our Global Network London, UK RedCloud HQ Cambridge, UK RedCloud Office Paris, France RedCloud Office Casablanca, Morocco RedCloud Office West Africa Nigerian Partner North Africa Algerian Partner Vietnam Partner Buenos Aires, Argentina Partner East Africa Partner Philippines Partner East & South Africa Partner Buenos Aires, Argentina RedCloud Office

12 RedCloud s strategic business model of offering customers the full platform allows the company to bridge the gap between traditional banking systems and fintech. Furthermore, banks and financial institutions will not need to piece different technologies together, thus avoiding the risk of faulty technological implementations as well as keeping their capital expenditure required for the technology upgrade low Naila Govan-Vassen, Senior Industry Analyst, Frost & Sullivan

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