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Smarter Business is Better Business! Investor Deck v1.6 1 of 19 ©2016 PayQix, Inc. All rights reserved | ww w .payqix.com Smarter Business is Better Business

PayQix Investor Deck

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Page 1: PayQix Investor Deck

Smarter Business is Better Business!

Investor Deck v1.6

1 of 19©2016 PayQix, Inc. All rights reserved | www.payqix.com Smarter Business is Better Business

Page 2: PayQix Investor Deck

2 of 19©2016 PayQix, Inc. All rights reserved | www.payqix.com Smarter Business is Better Business

DisclaimerPayQix, Inc. Investor Deck consists of 19 pages. This document is confidential and is ruled by the international law of intellectual property and is governed by the law of the state of New York (USA) with express waiver of any other. Under no circumstances are you permitted to copy, edit, or distribute this document without written notice or acquire any rights related to the contents, business model, images, brands, patents, or any property related to PayQix, Inc. This is supplied only as a review for the purposes of investment analysis, and under no circumstances may you use this information to your benefit, or transmit this information to third parties. You are not authorized to create copies, distribute, or create other documents from this document.

Page 3: PayQix Investor Deck

3 of 19©2016 PayQix, Inc. All rights reserved | www.payqix.com Smarter Business is Better Business

Our Goal - BANK AS A SOCIAL NETWORK (BASN) !

BECOME THE BIGGEST GLOBAL ONLINE BUSINESS BANK.

RATHER THAN WAITING FOR DEPOSITS AND LOANS TO BE MADE, THE NEXT GENERATION OF BANKS WILL ACTIVELY CREATE VALUE FOR THEIR CUSTOMERS.

~ Jose Graca - CEO, PayQix, Inc.

Page 4: PayQix Investor Deck

4 of 19©2016 PayQix, Inc. All rights reserved | www.payqix.com Smarter Business is Better Business

The Problem

Current mechanics of business transactions are inefficient. They are too cumbersome and take too much time and effort, which makes them expensive.

THE NEXT GENERATION OF GLOBAL ONLINE BANKS WILL FACILITATE THE FULL TRANSACTION CYCLE FOR EVERY CUSTOMER.

THIS MEANS MORE LOYALTY AND THEREFORE MORE TRANSACTIONS. MORE TRANSACTIONS MEANS MORE REVENUE, WHICH EQUALS MORE PROFIT!

Businesses are need-based and relationship driven.

PayQix proactively anticipates it’s customers needs thereby building stronger relationships that increase trust and drive future business.

~ Jose Graca, CEO, PayQix, Inc.

Page 5: PayQix Investor Deck

The Solution

Generate more assets and more revenue faster than ever, e.g. Asset Velocity!

• To grow you need to close more deals.

• To close more deals you need to move faster.

• To move faster you need business and transaction automation.

• This is why we say, Smarter Business is Better Business.

The ideal combination for generating more assets and more revenue faster than ever before!

2. Marketing1. Networking 3. Transactions

5 of 19©2016 PayQix, Inc. All rights reserved | www.payqix.com Smarter Business is Better Business

Page 6: PayQix Investor Deck

Unique Selling Proposition

• Business and transaction automation platform.

• Lead and deal generation combined with social networking, marketing, business, and transactional automation management.

• Business development platform that combines deal generation with social, business, and transactional automation management

Pay [Qix] = Fast and Reliable!

Available on all platforms:

6 of 19©2016 PayQix, Inc. All rights reserved | www.payqix.com Smarter Business is Better Business

Page 7: PayQix Investor Deck

Product & Service Information | Networking

7 of 19©2016 PayQix, Inc. All rights reserved | www.payqix.com Smarter Business is Better Business

✓✓✓✓

Company Profile & Store (BizQix)

Business Relevance Indicator Client & Supplier Search

Client & Supplier Activity Feed

Client & Supplier Matching (BuyQix, SellQix)

Professional Networking, Business Relevance Indicator (patent pending), Corporate Blog, Content Management, Commerce (E-store), Web Analytics, Global Business Database, Global Store, and Matching Engine (patent pending).

Page 8: PayQix Investor Deck

Contact Management, Lead Generation, Customer Relationship Management, In-mail, Marketing Segmentation, Social Media Marketing, and SMS Marketing.

Product & Service Information | Marketing

✓✓✓✓✓✓

CRM

Task Management

InMail

Network / SMS Advertising

Social Media Marketing

Scheduling

8 of 19©2016 PayQix, Inc. All rights reserved | www.payqix.com Smarter Business is Better Business

Page 9: PayQix Investor Deck

Bank Accounts, E-Wallets, Prepaid Debt Cards, Escrow Accounts, Direct Debit, Money Transfers (TransferQix), Lending, Banking (BankQix), Payments, Sales (invoicing, orders, etc.), Purchasing, Expenses, Accounts Payable, Accounts Receivable, General Ledger, Cash Flow, and Reporting.

Product & Service Information |Transactions

✓✓✓✓✓✓✓✓

Purchases & Sales

Payables, Receivables, General Ledgers

Bank Account (BankQix)

Prepaid Debt Card (BankQix(

Lending (BankQix)

E-Wallet (BankQix)

Financial Reporting

Financial Management (BankQix)

9 of 19©2016 PayQix, Inc. All rights reserved | www.payqix.com Smarter Business is Better Business

Page 10: PayQix Investor Deck

Transfers:

• Between accounts

• Between accounts and banks

• Between prepaid cards

• Between mobile devices

3. Use account(s)

1. Add money to account(s)

•••

Bank transfers and deposits

Access, merge, payment setup - multiple

accounts Money transfer - retailers, etc…

Product and Service Information | How it works (BankQix)

2. Manage account(s)

•••

Interface = Web & Mobile Devices

Debit Cards

Online

Payments:

• B2B

• B2C

• C2C

• C2B

• In stores and online

Cash Withdrawals: (Limited to a maximum daily amount)• ATMs

• Money transfer retailers

$

10 of 19©2016 PayQix, Inc. All rights reserved | www.payqix.com Smarter Business is Better Business

Notes: B = Business, C = Consumer, ATM = Automated Teller Machine

Page 11: PayQix Investor Deck

SMBs Internationally

• Newly-formed companies

• Existing companies up to 100 users

Total Market

• Global

PayQix is suitable for any type of business.

11 of 19©2016 PayQix, Inc. All rights reserved | www.payqix.com Smarter Business is Better Business

• 35 million new startups each year, $35 trillion USD market

• 320 million businesses worldwide, $320 trillion USD market

• Estimated 1.7 billion smartphones worldwide.

• More than 95% of all companies worldwide are our targetmarket

PayQix’s Goals

• Reach 5 million users in 4 years

• Reach a minimum revenue of $2.1 billion USD in 5 years

• Sell the company in 5 years or execute an IPO

• Generate returns for our investors in 5 years of 22X theirinvestment by selling the company or 10X via IPO

Notes: B = Business, C = Consumer, ATM = Automated Teller Machine

Product and Service Information | Target Market

Page 12: PayQix Investor Deck

Revenue Model

Subscription fees

Clearinghouse fees

Storage fees Transactions fees Advertising

SMS fees VOIP calls

Pre-paid debit card subscription/ transactions feesGateway fees

12 of 19©2016 PayQix, Inc. All rights reserved | www.payqix.com Smarter Business is Better Business

Page 13: PayQix Investor Deck

13 of 19©2016 PayQix, Inc. All rights reserved | www.payqix.com Smarter Business is Better Business

- Aquire Business Databases in each country (every government has a public business database)

This will be uploaded into our system. Every company will be asked to update their data in order to become certified. They will also be requested to insert several of their relevant staff members (buying, selling, marketing).

- Viral Footprint

Every time one of our members adds a company and or a staff member to our system, issues an invoice or a meeting request to a non-member the system will send out an invitation to become a member.

- Branding / Marketing / Advertising / PR

• Digital marketing (demand generation, SEM, Social), digital advertising, traditional advertising (radio, sponsorships, etc.).

• Brand Promise and brand identity systems are being created and will be leveraged internationally.

• Thought leadership program, i.e. White Papers, Industry Conferences, Publications, and Earned Media

• Public and Analyst relations

• Awards program to increase trust and drive brand value, partnerships, and revenue.

- Business Partner Client Acquisition

Using our business partner's existing database by creating mutually beneficial user acquisition campaigns.

Go-To-Market Strategy

Page 14: PayQix Investor Deck

14 of 19©2016 PayQix, Inc. All rights reserved | www.payqix.com Smarter Business is Better Business

19 Million Euros (21 Million USD)

ASSETS:

- Luxembourg Universal Banking License $10 Million USD. Includes social capital and setup cost ($1 million USD)

- Hardware Infrastructure $0.4 Million USD

- Software Improvement 1 Million USD

OPERATIONAL:

- Human Resources $1 million USD- Operational Cost (working capital) 7.6 million USD

OTHER:

- Marketing, Sales, Advertising $1 Million USD

Capital Requirements

Notes: Software finished ready to go to market.

Page 15: PayQix Investor Deck

Forecasting

15 of 19©2016 PayQix, Inc. All rights reserved | www.payqix.com Smarter Business is Better Business

Burn Rate

Investment

Proceeds

2016 2017 2018 2019

RAISED RAISING TO BE DEFINED

2020

1ST ROUND 1 MILLION USD 2ND ROUND 21 MILLION USD 3RD ROUND

1.7M

-1.7M

38M

73M

411M

217M

1B

550M

2.1B

1.2B

+3B

+2B

INVESTEDRESEARCH DEVELOPMENT

562K USDBUSINESS DEVELOPMENT

188K USDSALES & MARKETING

0K USDGENERAL ADMINISTRATIVE

250K USD

REVENUES USD

TO INVESTASSETS:

BANKING LICENSE SOCIAL CAPITAL $10 M USD

HARDWARE INFRASTRUCTURE 400K USD

SOFTWARE IMPROVEMENT 1M USDOPERATIONAL:

HUMAN RESOURCES 1M USDWORKING CAPITAL 7,6M USD

MARKETING, SALES, ADVERTISING 1M USD

PROFIT USD

Page 16: PayQix Investor Deck

Executive Team

Jose Graca President and Chief Executive Officer

MBA specialized in Economy at the Hoge School of Rotterdam, The Netherlands, proficient in six languages, serial entrepreneur, business angel, private investor, started up and sold successfully companies in the last 20 years and has been active in the financial software industry for the last 15 years.

Tom Szabo Vice President and Chief Sales Officer

Eng. in Electronics at Polytechnic Institute of Brooklyn and MBA in international marketing at Baruch College, worked as a marketing specialist in the electronic display for the Swiss watch conglomerate ASUAG (presently known as “Federation of the Swiss Watch Industry FH”), worked as Agent/Broker for Paul Revere, MONY, Met Life and New York Life, is a serial entrepreneur, and has acted as a business angel, private investor.

LinkedIn

16 of 19©2016 PayQix, Inc. All rights reserved | www.payqix.com Smarter Business is Better Business

LinkedIn

Page 17: PayQix Investor Deck

Executive Team

Joao Pinto Chief Legal Officer

LLB at Lusiada University, Lisbon, Portugal, Postgraduate diploma in tax law at High Institute of Management in Lisbon, Portugal and LLM (Master of Laws) at University of Maastricht, the Netherlands, specialized in international tax, practiced as Senior Partner in several Law firms and has been active as an International Tax consultant.

Davy Man Business Development and Fundraising Officer

MBA at MGSM Hong Kong, has been active in fund raising, fund management and has an official broker dealer license, serial entrepreneur, business angel, private investor.

LinkedIn

17 of 19©2016 PayQix, Inc. All rights reserved | www.payqix.com Smarter Business is Better Business

LinkedIn

Page 18: PayQix Investor Deck

Advisory Board

18 of 19©2016 PayQix, Inc. All rights reserved | www.payqix.com Smarter Business is Better Business

LinkedIn

LinkedIn

LinkedIn

Alvaro Cifuentes Gomez

Nuno Rico

Sanford Diday

Mr. Alvaro Cifuentes Gomez is a dynamic banking and portfolio management professional with experience in, management of, varying types of funds that include traditional investment funds, mixed funds, and pension funds, as well as senior portfolio management and responsibility for the related equity funds, where he looks for European-centric value and growth companies where he takes a bottom-up and top-down approach while also factoring in the companies with the best technical and fundamental analysis. Mr. Gomez is currently managing two global funds (Bankia Bolsa Mundial and Bankia Pensiones XVII) and two European Funds (Bankia Euro Top Ideas and The Bankia Bolsa, USA), which he co-manages with Victor Santiago. Prior, Mr. Gomez worked for Caja Madrid, Spain’s oldest savings bank, ca. 1702 as well as Lomar-Zamosa, S.A. Mr. Gomez is fluent in two languages: English and Portuguese.

Mr. Nuno Luis Duarte dos Santos Rico is a senior project manager and consultant for Bauhaus ArtiTech, Netherlands, where he’s responsible for the coordinated management of numerous related and cross domain projects for business, IT, and other organizational objectives in banking, trade, and transport. Recently, he managed business critical data systems and security within international banking, credit card, payments, and retail systems projects for International Cards Systems (later rebranded Visa/MasterCard) and Ahold Group (a multinational retail organization) in excess of a combined five million euros across nearly five million customers in Netherlands, Germany, Belgium, Sweden, Finland, Argentina, India, United States, and Czech Republic. In the ten years prior, Mr. Rico was a senior project and change management principal with ING where he managed teams across sixty countries and provided for integrated management of commercial development, maintenance, and implementation of IT systems for business units within mortgages, payments, partner channels, retail office departments, as well as legal, compliance, and financial aspects of the organization. Additionally, Mr. Rico has consulted for Post Bank and Logica, internationally. He is a PRINCE 2 practitioner, a lean six sigma black belt, and an agile project management practitioner (Atern/DSDM). Mr. Rico is fluent in five languages: English, Spanish, Dutch, French, and Portuguese.

Mr. Diday is the co-founder of JrPixels, a fully integrated creative-first digital strategy agency. Notable past clients, include: Oakley, Net Applications, Tweak Software, Tridonic, IBM, National Geographic, Virgin Records, Sonim Technologies, Chumba Cycles, U.S. Navy, Spike TV, Autodesk, Fox Sports, and other mass-market brands. He brings twenty years of diversified entrepreneurial corporate strategy, business development, marketing, sales, investor relations, and operations experience with high-growth and start-up companies.  Recently, Mr. Diday served as the Advising-VP Strategy and Market Development at Gabriel Marketing Group, a full service, fully integrated, marketing and public relations firm in the Washington, D.C. Metro area.  Prior, Mr. Diday was busy working as an advising partner M2 Capital Advisors, a Minnesota based capital formation advisory firm, as well as C.O.O. at Klickthru, a California based advertising technology firm that monetized content with a platform of proprietary products leveraged across a network of over one billion mobile devices. Earlier in his career, Mr. Diday was a Regional Manager with the nationally acclaimed IT consultancy, Geeks On Call America, Inc., where he held oversight for the build-out, sales, marketing, operations, training, and compliance for more than ninety-two franchises nationally. During his tenure the company was recognized over multiple years as one of the fastest growing small private businesses in the United States by Inc. 500 and Entrepreneur Magazines. Mr. Diday has contributed to national media outlets such as NASDAQ OMX Group, NYSE AMEX, CNBC, The New York Daily News, The Los Angeles Times, The Los Angeles Business Journal, and The Washington Times.  He has been a part of one NASDAQ opening bell ceremony and two NASDAQ closing bell ceremonies.

Page 19: PayQix Investor Deck

Details | PayQix, Inc. - A Closer Look

PayQix® is incorporated in the state of Delaware USA with offices in New York, Barcelona, Hong Kong, Lisbon, and Andorra.

Our office address and contact:

40 Wall Street, Suite 17001005 New York, NY, United States Email: [email protected]: +1 (212) 643-0009

http://online.citibank.com/US/Welcome.cWebsite:

http://www.payqix.com

Our lawyers are Withers Bergman LLP, NY

http://www.withersworldwide.com

Our bankers are Citibank, NY

Our accountants are Zucker and Zucker in Hicksville, NY

http://www.yelp.com/biz/zucker-and-zucker-cpa-pc-hicksville

19 of 19©2016 PayQix, Inc. All rights reserved | www.payqix.com Smarter Business is Better Business