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S h o p l o c a l ,

Overview. Pay. S h o p l o c a l , pay m ob i l e. S h o p l o c a l , pa y mob i l e . Pe t e r O p d e B e e c k | + 32 4 7 8 8 7 4 80 0 | p et e r @ c as h f r ee . be | www.c a s h f r ee .b e 1. S h o p l o c a l , pay m ob i l e.

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S h o p l o c a l ,

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  1. Overview Pay Shoplocal,paymobile. Shoplocal, paymobile. PeterOpdeBeeck|+32478874800|peter@cashfree.be|www.cashfree.be1 Shoplocal, paymobile. PeterOpdeBeeck|+32478874800|peter@cashfree.be|www.cashfree.be

  2. In a nutshell • In the next 10 minutes, we will present you Cashfree, a mobile payment platform in a European market where still less than 15% of all retail transactions are made with a mobile device. • You could compare us to Alipay and Tenpay from China but with these key differences: • we are active in Europe; • we are operating in a fragmented industry; • we are in a market that still is in its infancy; • we allow for fiat payments from crypto wallets; • ánd we are in a market in which a new regulation came into place which levels the playing field between banks and fintechs. • We have built an application that is fully up and running, and is currently being used. We have registered users and merchants, and we are one of the few European fin techs with a payment license, which has proven to be a big barrier to entry to new entrants. • Cashfree has a proven go-to-market and now, we want to scale up. • According to our business plan, we will reach 2 million users within 5 years. This will make Cashfree a 40 million euro company. • To scale, we will issue tokens for 10 million euros. 20 percent of Cashfree’s revenues goes to the token holders. PeterOpdeBeeck|+32478874800|peter@cashfree.be|www.cashfree.be

  3. A serial entrepreneur with 2 exits, seasoned executives, hungry talents…and €2M invested. Develop crypto sales (Nicolas) Sell to merchants (Ronny, Jonas) Market to shoppers (Yves, Max) Make convenient products (Joel, Lucian, Luc, Andrei) Fulfill regulatory requirements (Sarah, Christel, Olivier) Partners (…) Run smooth organization (Ken, Peter) Advisors (…) Board (Guy, Carl, Olivier, Peter, Sarah) PeterOpdeBeeck|+32478874800|peter@cashfree.be|www.cashfree.be

  4. Solves inconvenient & expensive local payments. Payment cost = up to 25% of local merchants’ profit. SHOPPERS MERCHANTS Cards • Expensive annual fees and overloading wallets. • Not always available, can be stolen and generates coins. • Nearly never accepted. • Payment cost: €0.26 - €2.02 on average: €6k/year • Handling cost: €6k/year on average for SMB • Considered as slow and complicated Cash Crypto Icons designed resp. by Freepik, Smashicon & Pause08 from Flaticon PeterOpdeBeeck|+32478874800|peter@cashfree.be|www.cashfree.be

  5. European consumers are now ready to pay mobile as evidenced by the 30% annual market growth Source: PayNXT360: www.paynxt360.com PeterOpdeBeeck|+32478874800|peter@cashfree.be|www.cashfree.be

  6. The European mobile payment market is in its infancy: small, booming and fragmented App payments origins (illustrative players) Banks Web +30%/y Pure players Mobile operators Payment cards PeterOpdeBeeck|+32478874800|peter@cashfree.be|www.cashfree.be

  7. Is the bank-agnostic mobile payment challenger, with a payment license and a proven “go to market” This provides Cashfree with a head-start advantage via-a-vis competition of at least 6 months to: boost local commerce modernity… and community coziness make payment easy… without expensive terminals support local shops visibility… and local prosperity PeterOpdeBeeck|+32478874800|peter@cashfree.be|www.cashfree.be

  8. Learned from early entrants, shoppers & merchants to build a great experience. DifferentiatingPoint Available Planned PeterOpdeBeeck|+32478874800|peter@cashfree.be|www.cashfree.be

  9. A cool way for simple and fast payments from multi-accounts (fiat & crypto) Select the account* Overview Overview Scan the QR code Execute payment Succesful Payment! Household Kids Confirm Pay Pay * E.g. professional, personal, household, kids, crypto… PeterOpdeBeeck|+32478874800|peter@cashfree.be|www.cashfree.be

  10. Validated its “go to market” with 200 merchants & 4,000 shoppers in Ghent, Belgian’s 3rd largest city To replicate for 2000 boroughs across France, Belgium, Netherlands and Luxembourg in 3 years 1 2 3 4 5 6 Top 10% boroughs 50 merchants 3000 registrations 3000 users 500 repeaters Avg 30% of payments /user 10% 30% Avg. 600 paymentsper year /user Acquisition boosters Retention, usage & viral boosters • Partnership with • local associations, • multiple retailers and • electronic cash register. • Gamification (under development) • New sharing features: send money, split bill • Monthly cash rewards (250€ to 0.1%) based on usage (frequency, value) & induction of new shoppers PeterOpdeBeeck|+32478874800|peter@cashfree.be|www.cashfree.be

  11. Has proven traction metrics and the growth hacking ability to scale its business model “It’s difficult to make predictions, especially about the future” (*) Marketing traction metrics (*) As Niels Bohr once said. PeterOpdeBeeck|+32478874800|peter@cashfree.be|www.cashfree.be

  12. Focuses on the core of the Euro zone and ambitions 2% of all mobile transactions by 2021 The Euro Area consists of 19 countries with a population of 341 million inhabitants. Cashfree ambitions 2% of all mobile transactions (0.4% of all retail payments) Forecasted Benefralux area in 2021 All Retail Payments: 52Bn transactions €953Bn (2% CAGR) Mobile payments: Cashfree: 11.6Bn transactions €329Bn (28% CAGR) • 200Mn transactions • 2% of mobile transactions • 0.4% of all retail transactions Electronic payment: cards + mobile payments Euro zone: Spain, France, Italy, Belgium, the Netherlands, Luxembourg, Germany, Austria, Cyprus, Estonia, Finland, Greece, Ireland, Latvia, Lithuania, Malta, Portugal, Slovakia, Slovenia Map credit: mapchart.net Based on data from the ECB (European Central Bank: https://sdw.ecb.europa.eu/reports.do?node=1000004051 PayNXT360, France mobile wallet & payment market opportunities, extrapolated per inhabitants PeterOpdeBeeck|+32478874800|peter@cashfree.be|www.cashfree.be

  13. The momentum to invest in mobile payment in Europe is…NOW Thanks to European market readiness Thanks to Cashfree acceptance SHOPPERS “It’sbank-agnostic,Iloveit!” “Ifeelfreewithoutmywallet” “IbelongtotheCashfreeCommunity” “Paymentsareinstantandhassle-free” “Whyneedawalletwhenyouhaveasmartphone” MERCHANTS “Wow!That’sfast!” “I’msickofthosemonthlysubscriptions” “Idon’twanttodragaterminaltomypatients” “Finallyapaymentsolutionthatdoesn’tcomefrombanks” “Mycustomersoftenforgettheirwallet,butnevertheirsmartphone” CAGR 40% PeterOpdeBeeck|+32478874800|peter@cashfree.be|www.cashfree.be

  14. Will raise €10M to scale from 5k to 100k shoppers Use of funds • 70% of funds will be used to invest in sales and marketing that will lead to accelerated growth, limited only by the growth of the overall mobile payment market: • Instant cash rewards to new users (30%); • Digital and offline campaigns (12%); • Merchant acquisition (10%); • Monthly rewards (18%). • Remaining 30% to be used for product development, legal & regulatory expenses and team incentive. €10M PeterOpdeBeeck|+32478874800|peter@cashfree.be|www.cashfree.be

  15. Proposes 2 investment vehicles to tap into its potential: 1. Equity share for more control but less certainty 2. Revenue share tokens for guaranteed revenue share & liquidity Cashfree Revenue: 100% Profit share for shareholders 20% for token-holders • Up to €5M fund-raising in standard equity • Control:- Shareholder agreement- Vote at the General Assembly- Position in the Board of Directors as from €5M investment- Right to invest in potential following rounds • Uncertain liquidity via:- Private sales- Potential exit- Potential dividends • €10M fund-raising via 13 million security tokens @ 1€ with early bird bonus tokens (up to 30%) for early investors from now onwards • Security Token offering - Starting on February 1st, 2019- Ticker: CFRT, an ERC-20 security token • 20% of all Cashfree revenue for token holders (Expected €8M in year 5) • Liquidity via:- Redemption per token, - Any Ethereum secondary market,- Listing on exchange 75% PeterOpdeBeeck|+32478874800|peter@cashfree.be|www.cashfree.be

  16. Is a certified Payment Institute, enabling instant fiat payments from crypto wallets SHOPPER MERCHANT Crypto payment in Euro zone: €29Bn by 2021 Overview Bitcoin 5% market share for Cashfree = €12M revenue (only €8M in the plan) Coinbase xXXxXXxXXxXXx PeterOpdeBeeck|+32478874800|peter@cashfree.be|www.cashfree.be

  17. 19 Evengrandmapays with crypto PAYMENT INSTITUTE Proven solution Best-in-class team Licensed Payment Institute Crypto-payments for everyone Ready for exponential growth Follow us on:www.cashfreegroup.com Shoplocal, paymobile. PeterOpdeBeeck|+32478874800|peter@cashfree.be|www.cashfree.be PeterOpdeBeeck +32478874800 peter@cashfree.be

  18. 19 Pre-register on:www.cashfreegroup.ioas from Feb 1st 2019 PAYMENT INSTITUTE Proven solution Best-in-class team Licensed Payment Institute Crypto-payments for everyone Ready for exponential growth Shoplocal, paymobile. PeterOpdeBeeck|+32478874800|peter@cashfree.be|www.cashfree.be PeterOpdeBeeck +32478874800 peter@cashfree.be

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