1. CIRCLE PLUS PAYMENTSPayments for all

2. Introduction The Company -Overview -Product and Service -Team -Summary of Goal -Highlights -Milestones -Marketing plans The Opportunity -Financial plan -Problem -Solution -Market Summary Conclusion -Customer profile -Risks -Competition -Expansion PotentialCIRCLE PLUS PAYMENTS 3. OverviewDEVELOP A SIMPLE, SECURE, LOW-SWIPERATE MOBILE PAYMENT SERVICE THATOPERATES ON SMARTPHONES WORLDWIDE. 4. Nitish Kannan Tony Dieppa CEO of Circle Plus Payments Android Developer of Circle Plus Payments Student Student B.S. Biomedical Sciences at University of B.A. in Psychology at University of South FloridaSouth Florida Harvard College B.S.C.S at University of South Florida Neurobiology Developer Genetics Systems Engineer - Syniverse Researcher in Brain Machine interface Technologiestechnology P300 typing system and gadgetoperator 5+ years of Development Experience Android Developer Founder Entrepreneur www.techdimwit.com Winner of Startup WeekendGainesville 2012THE TEAM Masters of Entrepreneurship Studentat UF Participant in 3 Day StartupGainesville 2012 5. MCI, Colorado Springs, CO. (1996 to 2003) Senior Engineer Ralph Hoelfelmeyer CISSP-ISSAP, CRISC Vistech, Colorado Springs, CO CTO and security Lead Consultant Dell SecureWorks Principal Security Consultant Engineering project manager for the Intelligent Call Routing MCI Call Manager/Gateway series of projects (supporting a $150 Million revenue (April 2012-Present) stream while adding over $30 million additional revenue annually) and the Ethernet WAN (EWAN) Health of the Network projects simultaneously SESC Contractor to Verizon (2009-Dec 2011) Patents Granted Security QA Engineer US Patent # 6,385,204 Network Architecture and Call Processing Systems US Patent # 6,618,389 Validation of Call Processing Network Performance US Patent # 7,043,757 System and Method of Malicious Code Detection Verizon (2005 2008) US Patent # 7,150,044 Secure Self-organizing and Self-provisioning Service ArchitectAnomalous Event Detection Systems US Patent # 7,151,942 Advertisement Broadcasting for Paging US Patent # 7,937,321 Managed service for detection of anomalous Frontier Technology, Inc. (2003 to 2005) transactions Member of Technical Staff US Patent # 8,290,779 System and method for providing a managed language translation service THE TEAM (CONTD.) US Patent # 8,126,722 Application infrastructure platform (AIP) US Patent # 8,108,930 Secure Self-organizing and Self-provisioning Anomalous Event Detection Systems 6. Board of Advisors Umesh Maheshwari Nimble Storage Member of Research Staff Co-Founder and CTO STAR Lab, InterTrust November 2007 Present September 1997 January 2001 Principal Engineer Zambeel January 2001 March 2003 Technical Director Data Domain March 2003 November 2007 7. Mission and GoalsMAKE THE APP AVAILABLE FIRST IN INDIA, AND THENEVOLVE TO OTHER EMERGING MARKETS TO ALLOWMORE THAN A BILLION POTENTIAL PEOPLE WHO WILLSOON OWN A SMARTPHONE TO HAVE THE CAPABILITY TOACCEPT CREDIT CARD PAYMENTS.MAINTAIN, THE MISSION OF GIVING AWAY THE FREESOFTWARE ALONG WITH THE LOWEST SWIPE RATESPOSSIBLE IN THE CREDIT CARD INDUSTRY, TENTATIVELY AT2.7% PER SWIPE, AND THEN EVOLVE TO FLEXIBLE PAYMENTOPTIONS FOR LARGER SCALE BUSINESS 8. Problem2 BILLION ! 9. If you build it, they will come! Yes.. Thats the number of people with mobile phones in the developing worldINDIA ALONE HAS 920 MILLION MOBLEDEVICES AND 250 MILLION ON ANDROIDTHAT ARE SMART PHONES TODAYONLINE! 10. SolutionTHE CIRCLE PLUS PAYMENTSAPPLICATION IS A SIMPLE ANDROIDAPPLICATION INTO WHICH THE USERCAN TYPE IN A CHARGE AND THENSIMPLY ACCEPT PAYMENTS FROM ACREDIT CARD. 11. MARKETNUMBER OF SMARTPHONES GLOBALLY ISGROWING EXPONENTIALLY YEARLY!THUS, WE FEEL OUR CUSTOMER BASE OVERTHE NEXT 5 YEARS IS OVER 2 BILLIONPOTENTIAL PEOPLE WHO WOULD BENEFITFROM BEING ABLE TO ACCEPT CREDITCARDS, WHICH ARE QUICKLY REPLACINGCASH. 12. MarketSOURCE: HTTP://GIGAOM.COM/2010/10/12/ANDROID-TO-ADD-NEXT-500M-MOBILE-WEB-USERS-IN-INDIA/ 13. SOURCE: HTTP://WWW.ROYCEFUNDS.COM/NEWS/GLOBAL/2012/0125-AFRICA-OPPORTUNITIES-CHALLENGES-GROWING-ECONOMY.ASPBIG POTENTIAL IN REST OF DEVELOPING WORLD TOO!ANDROID PHONES SELLING LIKE HOTCAKES IN AFRICA 14. HOW BIG IS THE MARKETACCORDING TO TECHCRUNCH, THERE ARE ABOUT 280 MILLIONDEBIT CARDS IN CIRCULATION IN THE COUNTRY OF INDIAPLUS, AN ADDITIONAL 18 MILLION CREDIT CARDS ON TOP OF THAT.BUT WITH A TOTAL POPULATION OF OVER 1 BILLION, I BELIEVE THISMAY BE THE LARGEST OPPORTUNITY IS THE PAYMENTS ARENAGLOBALLY.ACCORDING TO THE WEBSITE PAYMENT EYE, MOBILE PAYMENTS AREEXPECTED TO ECLIPSE 1.3 TRILLION BY 2017. ESPECIALLY SINCEALMOST NO SMALL MERCHANTS ACCEPT CREDIT CARDS AND RELYSOLELY ON CASH TRANSACTIONS! 15. Whos the customer? 16. CompetitionABSOLUTELY NONE IN INDIA OR THEDEVELOPING WORLD 17. Potential foreign competitorsSQUAREPRIMARY FOUCUS:-ALLOW ANYONE WITH A SMARTPHONE TO ACCEPT CREDIT CARDS INAMERICA OR CANADA WITH TWO PRICING OPTIONS, ONE AT 2.75% PERSWIPE AND 275 DOLLARS A MONTH WITH A 0% SWIPE RATE.-THEY ALSO HAVE A LOCATION BASED PAYMENT OPTION CALLED PAY WITHSQUARE.-WEAKNESS: ONLY OPERATE IN NORTH AMERICA AND DONT HAVE PLANSTO ADAPT TO NFC OR NETSWIPE TECHNOLOGY.-PRICING RATE HIGH 18. OUR PRODUCTThe Circle Plus payments application is a simple application to which the user can type in acharge and then simply accept payments from a credit card. This will have multiple inputsto make it as convenient as possible for users. One such way will be to simply input thecredit card number.Another method is to utilize the circular swiping device to swipe cards. Another method isour proprietary method of taking a picture of the credit card and processing thetransaction.Using this innovative method is very secure as none of the payment information is stored onthe phone and data is transferred using SSL end to end. 19. Key points of application securityCARD-PROCESSING SYSTEMS ADHERE TO PCI DATA SECURITY STANDARD (PCI-DSS) LEVEL 1.CARD PROCESSING APPLICATIONS ADHERE TO PCI DATA SECURITY STANDARD (PCI-DSS) LEVEL 1.WEB DEVELOPMENT FOLLOWS INDUSTRY-STANDARD SECURE CODING GUIDELINES, SUCH AS THOSE RECOMMENDED BY OWASP.CIRCLE PLUS REQUIRES SENSITIVE DATA TO BE ENCRYPTED USING INDUSTRY-STANDARD METHODS WHEN STOREDON DISK OR TRANSMITTED OVER PUBLIC NETWORKS.UTILIZE STANDARD, WELL-REVIEWED CRYPTOGRAPHIC PROTOCOLS AND MESSAGE FORMATS (SUCH AS SSL ANDPGP) WHEN TRANSFERRING DATA.ALL CRYPTOGRAPHIC KEYS USED ARE AT LEAST 128 BITS LONG. ASYMMETRIC KEYS MUST BE AT LEAST 2048 BITSLONG.OUR WEBSITE AND API SHALL BE ACCESSIBLE VIA 128-BIT, EXTENDED-VALIDATION SSL CERTIFICATES ISSUED BYVERISIGN OR GODADDY REGULARLY INSTALL SECURITY UPDATES AND PATCHES ON ITS SERVERS AND EQUIPMENT.SECURITY SETTINGS OF APPLICATIONS AND DEVICES ARE TUNED TO ENSURE APPROPRIATE LEVELS OFPROTECTION.NETWORKS ARE STRICTLY SEGREGATED ACCORDING TO SECURITY LEVEL. MODERN, RESTRICTIVE FIREWALLSPROTECT ALL CONNECTIONS BETWEEN NETWORKS.NFC IS ALREADY AN EXTREMELY SECURE METHOD OF EXCHANGING INFORMATION. 20. Pricing2.7% FLAT RATE PER CREDIT CARD SWIPE ORINPUT 21. Why We Are Better for businessCircle plus benefitsIncumbent Mobile Payment SolutionsSwiped Rates 2.7% 2.75% + $0.30Keyed Rates 3.49% 3.50% + $0.30Credit Card ReaderFree $180+Monthly FeeNone $25+Termination fee NoneStarting at $295+Unique, individual, May offer one account thousands of merchants sharesecure account 22. Summary of marketing approach-CLEARLY ILLUSTRATE OUR PRODUCT IS TOTALLY FREE TO INSTALL AND USE AND HAS THE LOWEST SWIPERATES IN THE BUSINESS COMPARED TO INCUMBENT MERCHANT BASED APPROACHES.- CREATE WEBSITE AND ILLUSTRATE THAT ANYONE WITH A BANK ACCOUNT CAN ACCEPT CREDIT CARDPAYMENTS, WITH FUNDS DIRECTLY DEPOSITED TO THEIR ACCOUNTS-GIVE AWAY CIRCLE PLUS READERS IN MAJOR MARKETS AND CITIES TO PROSPECTIVE CLIENTS WITH HIREDINTERNS WHO WILL ILLUSTRATE HOW IT WORKS AND WHY ITS A WIN-WIN SCENARIO FOR SMALL BUSINESSMERCHANTS AND MOM AND POP SHOPS, RICKSHAW DRIVERS OR ANYONE WITH A MOBILE PHONE WHONEEDS TO ACCEPT CREDIT CARDS EASILY.- DO VIRAL FACEBOOK, TWITTER, ORKUT, GOOGLE PLUS AND YOUTUBE CAMPAIGNS. ALSO FEATURE USERGENERATED VIDEOS TO BUILD VIRAL FOLLOWING AND BRAND LOYALTY WITH PRODUCT PLACEMENT ONTELEVISION SHOWS.-USE FUNDS TO RUN HIGHLY VISIBLE PRIME TIME TELEVISION ADS AS FUNDING PERMITS-BANNER ADS IN MAJOR MARKETS 23. Objectives after first financing roundOBJECTIVES FOR THE NEXT 6 MONTHS: DECEMBER 1, 2012- MAY 1, 2013PRODUCT- DEVELOP A WORKING DEMO OF THE APPLICATION WITHIN 6MONTHS AND SHOW A WORKING APPLICATION THAT CAN ACCEPT CREDITCARDS.DEVELOPMENT- DEVELOP A PAYMENTS APPLICATION FOR ANDROID 2.2 ANDUP AND I0S 6 AND ABOVE. DEVELOP A WORKING BACKEND SOFTWAREUTILIZING LEASED SERVERS TO HANDLE PAYMENTS STORAGE ANDPROCESSING.PEOPLE- ASSEMBLE A TEAM TO LEAD OUR APPLICATION THROUGH RAPIDGROWTH. THIS INVOLVES HIGH LEVEL SOFTWARE ENGINEERING TEAMS ANDMARKETING. ALSO, A STRONG LEGAL TEAM FOR BANKING. 24. Our pilot after our app developmentBEGIN PILOT PROJECT TO 200 LOCAL MERCHANTS IN CHENNAI, INDIA OUR FIRST MAJOR CITY FOR FEEDBACK.AFTER THE SIX MONTH PILOT, IF SUCCESSFUL, PLAN ON GIVING AWAY UP TO 100000 CIRCLE PLUS READERS TOQUALIFIED PEOPLE AND MERCHANTS WHO OPEN AN ACCOUNT WITHIN INDIA OUR FIRST TENTATIVE MARKET ANDLARGEST POTENTIAL MARKET DURING OUR FIRST YEAR OF OPERATIONS. PLAN TO DOUBLE NUMBER OF READERS INTHE FOLLOWING YEARS AND ADD MORE COUNTRIES AS REGULATORS ALLOW AND/OR AS DEMAND PERMITS. ANTICIPATE PROCESSING 600 MILLION TO 1 BILLION DOLLARS IN PAYMENTS THROUGH OUR APPLICATION WITHINTHE FIRST YEAR. AS OF NOW ONE COMPANY, CALLED PRIZM, WHICH HAS A SMALL NUMBER OF MERCHANTSPROCESSES APPROXIMATELY 50 BILLION DOLLARS IN PAYMENTS ANNUALLY.IF WE WERE TO CAPTURE 1% OF THE MARKET IN THE MOST CONSERVATIVE ESTIMATE, WE COULD PROCESS 500MILLION USD IN OUR FIRST YEAR THROUGH OUR SYSTEM. AS OF NOW THERE ARE OVER 100 MILLION SMARTPHONEUSERS ON ANDROID OR IOS IN INDIA, AND THIS NUMBER IS ANNUALLY DOUBLING, OUR APPLICATION WILL WORKON ALL ANDROID AND IOS DEVICES WITH GPS, AND ANDROID 2.2 OR HIGHER. 25. OPERATIONS-SETUP A COMPANY WITH 10-15 EMPLOYEES WITHIN THE FIRST YEAR OFOPERATIONS. WE PLAN TO HAVE ABOUT 4-6 SOFTWARE ENGINEERS WITHPRIOR EXPERTISE IN IOS, ANDROID, RUBY, JAVASCRIPT, PAYMENTSPLATFORMS, AND SECURITY AND WEB DEVELOPMENT-FOCUS ON HIRING KEY PEOPLE WITH SKILLS AS A GLOBAL ENTRY STRATEGISTAND EXPERTISE IN INTERNATIONAL BUSINESS OPERATIONS. ALSO WE ARESEEKING OPENING A FOREIGN CALL SUPPORT CENTER ORSUBCONTRACTING THAT ROLE TO COMPLETIVE COMPANIES TO PROVIDECLASS LEADING CUSTOMER SUPPORT. 26. Our second year target be profitableMANAGE COMPANY TO BECOME CASH FLOW POSITIVE WITHIN SECONDYEAR!CONSERVATIVELY, IN THE WORST CASE SCENARIO IF WE WERE TO CAPTURE1% OF THE ENTIRE MOBILE PAYMENTS OPPORTUNITY AND PROCESS EVEN 600MILLION DOLLARS OF PAYMENTS THE FIRST YEAR AND MAKE EVEN 1% OUTOF TOTAL TRANSACTIONS AFTER PAYING CREDIT CARD FEES, IT WOULD STILLAMOUNT TO 6 MILLION IN REVENUE WITHIN THE FIRST YEAR UNDER OURPLAN. 27. Expansion potentialHUGE OPPORTUNITY 28. What we seek1.25 MILLION DOLLARS AT 5 MILLIONDOLLAR VALUATIONFOR 25% STAKE IN OUR COMPANY