Tom Meredith meredith@p2pcash.com

Harvard Business School New Venture ContestRepresenting South East Region

“Saving Millions of Immigrants Billions in Money Transfer Fees”

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P2P Cash AgendaFREE Money Transfer Summary

Recent Traction- Global MasterCard Contract

Problems- High Fees, Difficult Cash Pick-Up

P2P Instant Money Token (IMT) Solution

Marketing- Customer Acquisition Strategy

Competitive Advantages

Revenue/Profit Model

Financial Projections/Capital Required

Experienced Management Team

Exit Strategy- VISA or MasterCard?

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Free Global Money Transfer

“Saving Millions of Immigrants Billions in Money Transfer Fees”

Consider P2P Cash a “Free” Western Union delivering free global, mobile money transfers using patent-pending digital currency.

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Recent Global Traction

Global Partners MasterCard & SWIFTClear Free Cash Delivery to 3 Billion Bank Accounts and 1.2 Billion Mobile Wallets in 63 Countries

P2P-Top 10 SWIFT Global Start Up- 2 Years

Live in Kenya- Largest Mobile Wallet BaseVietnam Launching- Top 5 US Transfer Market

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Money Transfer Problems

Transferring Money is:

Time ConsumingVery Expensive

$50 Billion

10% of $500 Billion transferred Annually

Can take a day to get to Western Union

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Digital Currency Solution

IMT

• Cash Sent Directly to Mom’s Bank or Mobile Account using Digital Currency (IMT*)

• Cleared Globally via SWIFT & MasterCard• Free, Instant, Secure, Convenient

Instant Money Token

* Instant Money Token (IMT) - Patent Pending

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Subscriber AcquisitionTotal Addressable Market: 6 Billion CellphonesCurrent P2P Contracts Cover 50% (3+B)

Focus: Top 5 US Destinations = 50% Market (Mexico, India, China, Vietnam, Philippines)

Subscriber Acquisition Cost = $15(Social Media@$10 + Affiliate@$20)

Subscriber ROI= 2,000%(5 Years @ $60/year Revenue)

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Competitive Advantages

Best Price Point- FREEDiscount Competitors ( Transferwise/World Remit) Charge ~ 50% of Western Union

P2P Most ConvenientP2P Deposits Directly into:

2 Billion Bank Accounts (SWIFT)1.2 Billion Mobile Accounts (MasterCard)

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Competitive Advantages

*- Patent Pending**Potential MasterCard Locations

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Revenue/Profit Model

Spread2-6%

Partners

P2P

P2P Buys Currency at Wholesale Bank Rate, Delivers to Recipient at Retail Rate

Wholesale/Retail Currency Spread is 2-6%, Varies Country to Country

P2P Splits Currency Spread with Bank and Distribution Partners

P2P Nets ~ 1%

Revenue

BuySell

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Projections-Cash Required

$1.7M Raised to Date- Generated Revenue in 2014 $2.5M Series A in Progress- Breakeven in 9 Months 80% of Funds Use- Social Media and Affiliate Marketing Top 5 Markets: Mexico, India, China, Philippines, Vietnam$50M Required Year 2 to Create Global Brand

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World Class Team•Tom Meredith, CEO

Financial Services/Telecom Entrepreneur, MBA Harvard, Stanford Engineer

•Morris Mwanga, CTOBuilt Kenya’s Largest Currency Exchange, CISSP Security Certified

•Kern Lewis, VP Marketing American Express, World Savings Bank, Stanford, MBA Harvard

•Peter Carruthers, Director FX Operations25 years FX Risk Mgmt Expert: Citi, Credit-Suisse, RBS; Fordham MBA

•Donald Chapman, VP Business DevelopmentFinancial Services Technology Executive, MBA Babson College

Advisory Board•Leonard Schrank: Former CEO SWIFT

•Brian Smith: Former General Counsel MasterCard, Office Comptroller and Currency (OCC)

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Goals and Exit StrategyGoals

Year 1- Cash Flow Breakeven 100K SubscribersYear 2- 10 Countries with 600K+ SubscribersYear 3- 60+ Countries with 2M+ Subscribers

Valuation $1+ Billion: Equal to 2 Competitors

Potential Acquirers:Card Issuer Networks: MasterCard, VISA, Discover

Money Transfer: Western Union, MoneyGram, RIA

Processors: First Data, Global Payments, Elavon

Banks: Citi, Wells Fargo, Bank of America, HSBC, etc.

Tom Meredith meredith@p2pcash.com

Harvard Business School New Venture ContestRepresenting South East Region

“Saving Millions of Immigrants Billions in Money Transfer Fees”