Digitzs Biz Plan Overview 07.11.16

INTRODUCTIONDigitzs has been developed as a groundbreaking modern payments API for a niche of thegrowing platform economy.MARKETThe Platform Economy - OverviewWorldwide the largest platform companies have a market value of over US $4.3 trillion. Of the$4.3 trillion total global valuation, US platform companies comprise over 70%, 176 of theseplatform companies worldwide with a market valuation of US$1 billion or more.1By 2018, IDC predicts that more than 80% of enterprises with digital transformation strategies—will create and/or partner with industry platforms.2 Michael Biltz, Accenture Technology Visionmanaging director, said that 15 platform companies have a collective market capitalization of$2.5 trillion. That tells you how much value you can create not just as a product, but as a wholeproduct ecosystem.The platform economy, has enabled businesses across all industries an ability to capture newgrowth opportunities. This is driving the biggest and fastest global economic growth since theIndustrial Revolution. Uber has expanded to 67 countries in seven years; it took IBM 50 years toget there, in 7 years AirBnB has 50% more rooms than Hilton did in 100 years.Platform ecosystems and the underpinning businesses are the foundation for new valuecreation in the digital economy. Platforms are revolutionizing change on a global level, they arenot only found in advanced industrial markets, but throughout the entire world thanks to thepenetration of mobile digital technologies. There is no doubt that there are great opportunities tomeet the emerging needs of platforms.These payment enabled, transactional platforms are giving rise to new business models thatrepresent significantly bigger opportunities for payments companies. However, incumbent1 The Center for Global Enterprise Releases First Global Platform Survey Valuing Platform-based Companies at $4.3 TrillionJanuary 7, 20162 Industry Cloud: The Largest Vertical Growth Opportunity For Technology Vendors and Services Firms Through 2025,” November19, 2015. Laura Wagner - CEO laura@digitzs 310.213.5495

payment service providers who continue to focus on traditional businesses (brick & mortar) havemissed the opportunity that these new business models represent. Digitzs’ API was developedto capitalize on this growing market opportunity.THE OPPORTUNITYDigitzs operates in a niche of the platform economy, specifically servicing transactionalplatforms. These transactional platforms are defined as creating value by facilitating interactionsbetween product and service providers, merchants and organizations that would otherwise havedifficulty finding each other. For example, Uber, Freshbooks, Etsy, eBay and work platforms(work platforms such as Upwork, Freelancer, Guru, TaskRabbit exceed 300 globally).3 Thesharing economy is the fastest growing part of the platform economy and is expected to growfrom $17 billion in 2015 to over $335 billion in 20254.Plenty of solutions exist where cards are swiped on mobile phones or in stores, and wherecards are used in off ‐-­tshheelf ecommerce shopping carts. Both, where cards are swiped, andecommerce focus their businesses on single merchant solutions, Digitzs targets the middlewhere marketplaces like Uber exist and white label platforms abound.Transactional platforms represent a huge opportunity, as this is a grossly underserved sector ofthe booming platform economy, as legacy payments companies with outdated businesspractices have been unable to develop viable solutions for this emerging sector. What we foundwhen we interviewed 50 CEOs in our target market where three consistent pain points that werenot being addressed, this led us to create an API that is the perfect global risk free solution forthese platforms. Our API is in private beta with $1 billion of processing commitments in thepipeline. The barriers to what we've created are high.The Credit Card Industry - Growth “The payments industry is in the midst of the biggest and most exciting changes it has ever seen. The changes will ultimately result in better commerce experiences for consumers, faster growth at a lower cost for merchants, and corresponding increases in economic growth.” Visa CEO Charles W. Scharf3 Andrew Karpie, “The Future of Talent Acquisition in the Emerging Platform Economy,” The Research Platform blog, September23, 2015.4 PWC The Sharing Economy

The credit card industry processed $5 Trillion in the US 2015. 5 a significant increase from $4.42trillion in 2014. This growth is projected to continue at annual rate of 16.3% throughout 2019.61Credit Card Purchase Transactions Volume Projected Worldwide5 Nilsen Report 20156 Business Insider, Dec. 5, 2014

DIGITZS NICHE MARKETApproximately $5 trillion was processed in credit cards, US Visa, MasterCard and AmericanExpress card payments in 2015; $3 trillion occurred where cards were swiped face-to-face (instores and on cell phones), $1 trillion occurred where cards were entered into e-commerceshopping carts. In 2016 this $1 trillion US niche market opportunity is estimated to grow at a15% per year. Digitzs objective is to capture a significant share of the growing market and ispoised to do so with a fully developed AP.BUSINESS STATEMENTOur API integrates seamlessly with apps, marketplaces and platforms, once onboarded Digitzssolves three of the key industry problems; ● Instant merchant accounts from within platform ecosystem. ● Commissions for life and collection of fees - cost free. ● No risk, white label API that works in 160 countries and local currencies.BUSINESS MISSIONTo capture a significant market share by partnering with Payment Facilitation Platforms PFPsacross a diversity of verticals concentrated in the following sectors: ○ Ticket Payments - Sporting events like Marathon Races ○ Donation Payments for Non Profits ○ Rent Payments for Property Management ○ Food Delivery Payments for Restaurants ○ Crowdfunding Payments for Individuals ○ Reservation payments for hospitality ○ Marketplace Payments for soloprenuers

COMPETITIVE LANDSCAPE Positioning Core Valuesstripe.com “The best way to accept payments online and in • Building an internet business is a mobile apps. We handle billions of dollars every problem rooted in code and design, year for forward-thinking businesses around the not finance. world.” • Developer-friendly APIs let users focus on building great products. • Love the web • Care deeply about beautiful code, APIs, and documentation. • Really like startups and building productsadyen.com “The leading technology provider powering • Rapid growth and a love of payments for global commerce in the 21st century. technology With a seamless solution for mobile, online and in- • Leave outdated systems behind store transactions, technology enables merchants to • Fair fees accept any type of payment, anywhere.Technology • Transparency. developed and maintained in-house.” • Unite merchants & shoppers • Drive growth for businesswepay.com “WePay powers payments for the software platform • Delight customers economy.” • Invest in relationships • Play to win • Invest in relationships • Customer intimacy strategy • Embrace customers’ needsvantiv.com “Be the leader in simplifying payments innovation, • Passionate enable commerce and help customers and partners • Collaboration to tackle problems thrive. How do we do it? By following our mission, • Winning attitude creating seamless experiences and exceptional • Continuously improving payment solutions across the commerce • Do the right thing ecosystem.” • Value people and have funbraintreepayments. “Make it possible for companies globally to accept • Connecting the world, empoweringcom payments online and let customers make a people through payments purchase with one touch. • Provide tools to build businesses. One seamless integration, you’ll pave a simple path • Build the technology, customers for retailers to sell, and users to buy what they see - make it meaningful. when they see it - on your platform.”paypal.com “We continue to be at the forefront of the digital • People at the center of everything payments revolution. In 2015, 28% of the 4.9 billion • Social Innovation to drive meaningful, payments we processed were made on a mobile lasting social impact through business. device. PayPal gives people better ways to connect • Responsible Practices to their money and to each other, helping them safely access and move their money and offering a choice of how they would like to pay or be paid. We have created an open and secure payments ecosystem that people and businesses choose to

securely transact with each other online, in storesand on mobile devices.”Feature Analysis - Major competitorsaccept all payments DIGITZS AYDEN BRAINTREE STRIPE VANTIV WEPAYrisk managementwhite label X X X X X Xtipping point payments X X X Xmulti-party payouts X X X X Xrecurring payments X Xinstant onboarding X X Xtransaction level X Xreporting X Xmultiple APIS X XrESTful API XSDK’s X XPCI security X Xlower fees XX Xno transaction size X Xlimits Xglobal Coverage Xglobal acceptance X Xsub merchant Xonboardingpayout methodssupport Svccompliance - OFAC

HOW DIGITZS COMPETESWe compete primarily on the basis of the following:• Ability to attract, retain and engage platforms• Ability to solve the 3 main platform pain-points in one easy to integrate API• Ability to show that platforms will achieve incremental income by using our API• Simplicity of our fee structure• Ease and quality of integration, brand and technology agnostic• Superior customer service• High transaction volume, low overhead costsAPI Features Digitz WePay Stripe Vantiv Braintree First Data Global worldpay autNET NO NO100% White Label YES NO NO NO NO NO NO NO NOMerchants get a YES YES NO NO NO NO NOmerchant account in YES NO NO NO NO NO NOminutes without YES YES YES NO UNKN NO NOever leaving your YES YES YES NO UNKN NO NOwebsite. YES YES YES NO NO NO NO100% Your BrandMerchants neverreceive an email ora statement fromanyone but youMailbox MoneyAll transactions atmin20 basis pointscommission, morewith volumeOne MID is ALLMerchants get aVisa/MasterCard,Gateway AND AMXMID - in one MIDAt WillRelationshipMerchants can stopand start anytimewithout penalty, nocontracts,termination feesTransparencyMerchants pay a flat2.9% and $.30 as-

they process cardsno other fees INVESTMENT IN THE PAYMENTS SPACE“We’ve barely scratched the surface in implementing payments solutions. There’s anincredible amount of runway. It makes sense to me that valuations are where they are”Anil Aggarwal, Payments Innovation Trends - Money 20/20With no clear indication of slowing down, the platform economy is expected to continue to growat a dramatic pace. Investor confidence demonstrates this with the projected funding trends andexponential growth since 2010.Investment in Fintech companies grew by 201% globally in 2014, compared to 63% growth inoverall venture-capital investments, confirming this sector as a hot ticket. Expectations for newdigital start-ups in the industry continue to swell, with the amount of money flowing into firstround investments alone growing by 48%1 7We are on the cusp of dynamic growth in the transactional platform sector and investments byVCs in the payments part of the economy is happening at an exponential rate. In 2015 alone,globally we saw that 6 of the world’s top Fintech Unicorns focused on payments.8 In the US thenumber of Unicorns in the payments space is expected to rise as is funding.TOP 6 PAYMENTS UNICORNS VALUATION (IN BILLIONS)1 STRIPE - US $52 POWA TECHNOLOGIES - UK $2.73 MOZIDO - US $2.34 KLARNA - SWEDEN $2.255 ONE97 COMMUNICATIONS - INDIA $2.06 TRANSFERWISE - UK $1.07 The Future of Fintech and Banking: Digitally disrupted or reimagined? Accenture8 The pulse of Fintech 2015 in review - KPMG & CB Insights

CB INSIGHTS

APPENDIXOTHER PAYMENT DATAONLINE PAYMENTSWEB transactions — debit or credit payments made when authorization is provided via theInternet or a wireless network — grew 10.2 percent in 2014. A total of 3.6 billion WEBtransactions were exchanged via the Network last year, including 7.4 million WEB credits thatwere person-to-person (P2P) payments. In total, WEB transactions accounted for almost 20percent of ACH Network volume. NACHA The Electronics Payment AssociationACH TRANSACTIONSIn 2015, ACH transaction volume grew to more than 24 billion electronic payments, an increaseof 1.3 billion payments or 5.6 percent, over 2014 volume, according to new statistics releasedtoday by NACHA — The Electronic Payments Association®. This increase marks the secondconsecutive year in which ACH payments grew by more than 1 billion. [1] Additionally, a total ofmore than $41.6 trillion was transferred over the ACH Network last year, increasing 4 percentcompared to 2014. NACHA The Electronics Payment AssociationCARD NOT PRESENTThe total value of general-purpose card-not-present payments rose from $0.9 trillion in 2009 to$1.4 trillion in 2012: an annual growth rate of 16.3%.9ECOMMERCEStatistical data released by the Department of Commerce show the value of retail e-commercegrowing at roughly 16% per year. The total retail sales classified as e-commerce reached $225billion in 2012—10 (Estimate of U.S. retail e-commerce sales for the first quarter of 2016 - $92.8billion increase of 15.2 % over same period 201511. Projected 20169 The 2013 Federal Reserve Payments Study10 Based on the reported percent change from same quarter a year ago for e-commerce sales from 2012:Q1 through 2012:Q4 inthe Latest Quarterly E-Commerce Report, released November 22, 201311 The Census Bureau of the Department of Commerce.QUARTERLY RETAIL E-COMMERCE SALES1ST QUARTER 2016 MAY 17, 2016