©2016 SoPayMe, Inc.

SoPayMe “SPM” Pitch Deck Overview

*** CONFIDENTIAL *** June 2016

©2016 SoPayMe, Inc. 2

SoPayMe Overview

SPM’s Primary Business:

Secure, Low-Cost, Real-Time Payments Processing

Payments Processing is the Platform for SPM’s Ancillary Businesses:

Shopping, Advertising, Retailing & Banking Solutions

Payments Processing Problems / SPM Solution

Time Problem

• Processing the transfer of good, irrevocable funds can take anywhere from 1 day up to 2 weeks or even longer.

SPM Solution

• SoPayMe securely delivers real money in real-time, in seconds as opposed to days, via patented and patent-pending processes and platforms that require no POS hardware upgrades or changes in existing payment methods.

• SoPayMe eliminates expensive processor intermediaries and securely delivers collected funds in real-time, even on an interbank basis.

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Payments Processing Problems / SPM Solution

Processing Cost Problem

• Debit Card Interchange Fees average 23 cents per transaction1.

• Prepaid Card Interchange Fees average 50 cents per transaction1.

• Float / Cash Velocity Costs associated with transaction settlements2.

• Most Credit Card Fees range from 1.5 - 2% of transaction amount3′4.

SPM Solution

• Noncredit transactions of $10 or more cost only a flat 10 cents per transaction; P2P and transactions under $10 are free; credit-based transactions can be made with significant processing savings.

• A long-term relationship and collaboration with the Fed Reserve System enables the lowest possible cost model for SoPayMe.

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1Dual Message Debit Card Interchange Fees (Ref. 1, p. 15) 2Cost of Cash Study (Ref. 2, p. 15)

3′4Visa / MasterCard Rates (Ref. 3 & 4, p. 15)

Payments Processing Problems / SPM Solution

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Security Problem (2014 Data Breaches5)

• 1,023,108,267 data records were lost or stolen in 2014.

• North America accounted for 76% of total breaches for the year.

• The retail industry lost more than 567 million data records - 55% of all records lost in 2014.

SPM Solution

• Financial data is never available to merchants, stored on phones or cards, or exchanged between consumers, merchants and banks.

• In-house processing platform with total access control of servers, real-time threat detection.

• Encryption, tokenization, multi-layered authentication.

5Data Breaches in 2014 (Ref. 5, p. 15)

Payment Process Architecture / Merchant Advantages

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Secure → no financial data → no target → reduced costs.

Inexpensive → reduced fees → increased net earnings.

Immediate Cash → no float → increased cash velocity.

Universal → all POS, banks, payment methods.

* Offline or Online; via Mag Swipe or Contactless; Card or Phone; with or without Signature, Biometrics,

Chip/Token/Terminal & Pin

Payments Market (U.S.)

62013 Federal Reserve Payments Study (Ref. 6, p. 15)

2012 U.S. Annual Non-Cash Transactions Exceed 122 Billion6

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Payments Market (Global)

7Capgemini/Royal Bank of Scotland World Payments Report 2015 (Ref. 7, p. 15)

2013 Global Annual Non-Cash Transactions Exceed 357 Billion7

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SoPayMe Target Market Strategy

Target Merchant Payments Market Segment

• Merchant retailers are subject to costly data breach and transaction fee pain and provide SPM tremendous payments transaction volume.

• Merchant targets include big-box, convenience, pharmacy, fuel, grocery, dining and other retail and retail service companies.

• MCX Merchants → 110,000 locations → $1 Trillion Annual Payments.

MCX Merchant Examples:

• Walmart → 11,000 stores → 260M customers per week8.

• ShopRite → 250 stores → 238M annual customer transactions9.

©2016 SoPayMe, Inc. 9 8Walmart 2015 Annual Report (Ref. 8, p. 15)

9ShopRite Facts (Ref. 9, p. 15)

Annual Revenue Forecast Years 1-5 (Payments Only)*

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* Does not include Ad, Data or 3rd Party Processing Fee Revenues

Forecast at EOY 5 Equates to a Capture of 6.4% of the 2012 U.S. TAM or 2.2% of the 2013 Global TAM

25% Investment Tax Credit

SoPayMe is proud to announce that it has been Certified as a participant in the 2016 Minnesota Angel Tax Credit Program. As such, an investment in SoPayMe comes with a significant benefit: If you invest in SoPayMe you can receive a check from the state of Minnesota for 25% of the amount of your investment, regardless of your state or country of residence! All of the details can be found at: http://mn.gov/deed/business/financing-business/tax-credits/angel-tax-credit/

©2016 SoPayMe, Inc. 11 This investment is offered to “accredited investors” only

as that term is defined in SEC Regulation D, Rule 501.

Ancillary Problems / SPM Solutions

Problem - Payments Solutions Marketplace is Highly Fragmented

• Solution Providers only address segments of the payments market.

• Incremental innovation and lack of cross-industry collaboration have created a disorderly, muddled payment solutions marketplace.

SPM Solution

• SoPayMe’s back-end processing platform combined with a front-end mobile wallet/smart card creates a vertically integrated platform that delivers a secure, low-cost, real-time end-to-end payments solution.

• Smartphone identification and infrastructure-free indoor positioning adds loyalty and location-based capabilities to payments solutions, creating a platform that enables the adding of collaborative shopping, advertising, retailing and banking solutions.

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Shopping, Advertising, Retailing & Banking Solutions

Adding Location-Based Capabilities to the Payments Processing Platform Enables Shopping, Advertising, Retailing & Banking Solutions

SHOPPING

Save time and money,shopping is made easier

Ads, specials and couponsbased on your preferences

Find and scan items, runningbasket total, self-checkout

Financial data is secure,never shared with retailers

ADVERTISING

Beacon-free locationing,all retailers are deliverable

Shopper specific ad deliveryutilizing predictive analytics

Shopper decision-makingand ROAS transparency

Real-time shopper dataand ad campaign metrics

RETAILING

Reduce transaction fees,eliminate costly data breach

Shopper transactions paidinstantly with collected funds

Faster checkout, instantdigital coupon settlement

Increase customer loyalty,basket spend, net earnings

BANKING

Mobile deposit, accounttransfers, balance check, etc.

Automated cash-back dealswith merchant partners

Manage notifications for lowbalance, settlements, etc.

Cardless ATM withdrawal,deposit and balance check

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Contact Information

For More Information Please Visit www.sopayme.com or Contact:

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References

1 http://www.federalreserve.gov/paymentsystems/regii-average-interchange-fee.htm 2 http://www.ei.com/downloadables/Cost_of_Cash_Study.pdf 3 http://usa.visa.com/download/merchants/Visa-USA-Interchange-Reimbursement-Fees-2015-April-18.pdf 4 https://www.mastercard.us/en-us/about-mastercard/what-we-do/interchange.html 5 http://www.safenet-inc.com/resources/data-protection/2014-data-breaches-infographic/ 6 https://www.frbservices.org/files/communications/pdf/research/2013_payments_study_summary.pdf 7 https://www.worldpaymentsreport.com/download 8 http://stock.walmart.com/files/doc_financials/2015/annual/2015-annual-report.pdf 9 http://wakefern.shoprite.com/retail/shoprite/

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