YOUR PERSONAL ASSISTANT

White Paper 2018

TABLE OF CONTENTS

Yoo-Mi PHA– The unbelievable new solution to a healthier you………………………………………….3

Your Yoo-Mi PHA Knows How to Get the Best Out of You…………………………………………………4

The Ground-breaking Technology Behind Yoo-Mi………………………………………….……..…..…..4

The Yoo-Mi PHA Marketplace………………………………………………………………………….…..5

The Necessity of Blockchain…………………………………………………………………….………...5

Transparency…………………………………………………………………..…..………………..……5

Facilitating Micro-transactions………………………………………………………..………………….5

Token Rewards for Activities on Platform……………………………………………..…….……………5

Rewarding system for suppliers………………………………………………………...………………...5

The Yoo-Mi PHA Blockchain…………………………………………………………………...………….6

Governance………………………………………………………………………………………..……...6

Smart Contract Blockchain…………………………………………………………………...…………..7

Consensus……………………………………………………………………………………...…………7

Technical Road Map…………………………………………………………………………...………….7

Incorporating Massive Communities…………………………………………………………...………...8

Disrupting the Multi-trillion Dollar Wellness Industry………………………………………....………….8

The Expertise Behind Yoo-Mi PHA…………………………………………………………....…………...10

The UME Token Economy…………………………………………………………………....…………...12

Token Issuance……………………………………………………………………………...……………14

Use of Proceeds……………………………………………………………………………...…………...14

Roadmap…………………………………………………………………………………...…………….14

Marketing & Financials…………………………………………………………………...……………….14

Risk Factors…………………………………………………………………………....………………….14

2

YOO-MI PHA – THE INNOVATIVE AI SOLUTION TO OPTIMIZING YOUR WELL-BEING

Our Yoo-Mi Personal Health Assistant (PHA) is a virtualpersonal assistant powered by cutting-edge,psychology-driven, empathic Artificial Intelligence.This new breed of AI, developed over five years,powers our avatar with the unique ability to assess,understand and empathize with people as individuals,and to stimulate positive behavioral change thatimproves the wellness of its users. This uniquecapability means the Avatar knows users even betterthan they know themselves and can provideunrivalled personalized support and guidance.Rapid advancements in technology mean a 150-yearlifespan is just around the corner. But longevity is notnecessarily equated with a high quality of life, and nocomprehensive solution currently exists to optimizeevery aspect of your wellness.In today’s fast-paced society, taking the actionneeded to optimize your well-being is easier said thandone and for many consumers there is a huge gapbetween their ideal state of health and wellness, andtheir ability to achieve it.

There are many reasons why people fail time and time again to improve their physical well-being. In layman’s terms, these revolve mainly around:Information: People are given generalized nutritional and fitness advice, with no consideration as to which food suits their individual metabolism, which fitness regime suits their lifestyle, or which products will aide in their specific goals. Motivation: It’s one thing to want to lose weight, it’s quite another to actually do something about it.

Motivational factors vary wildly from individual toindividual and existing products and services do nottailor their approaches to these differences.Dedication: Starting a healthy regime is far easierthan permanently adapting your habits as your healthand fitness changes. Dedication can be vastlyimproved by intelligent and evolving advice, time-sensitive prompts and personalized encouragement.The absence of these three crucial factors explain whyover 50% of people with a gym membership don’teven go; Why over 1 billion people continue to smoke,even though the majority understand the health risks;Why even educated and knowledgeable adults don’teat the right food, or exercise enough.Through our technology we are seeking to incentivizeand motivate positive behavioural change that willmake people happier and healthier. Our Yoo-Mi PHAavatars are designed to look just like their user, whichcreates a commanding psychological mirroring effectand is more likely to elicit guidance compliance fromits users. Through a combination of sophisticatedpsychology and powerful algorithms, your Yoo-Mi PHAavatar will continuously digest the intricateinformation it needs about you to encourage,motivate and educate you to become the bestpossible version of yourself. Powered bypsychologically-driven AI, your Yoo-Mi PHA knowsexactly what to say to tap into your internalmotivators while providing personalized tips and 360°insights into your individual welfare. Each userdecides the scope and limitations of their Yoo-MiPHA’s assistance in improving their lives and can usethe assistant for as many self-care needs as they want.No two avatars ever look or behave the same, asindeed no two people ever do.

3

YOUR YOO-MI KNOWS HOW TO GET THE BEST OUT OF YOU

Every one of us carries in our pocket a powerful devicewhich tracks vast amount of information about uswhich we seldom leverage for our benefit – ourmobile phone. The Yoo-Mi PHA is here to change thatand unleash the power of this data in making our livesbetter.By collecting the useful meta-data you have stored inyour mobile phone, your Yoo-Mi PHA will conduct ananalysis of your unique traits, internal motivators,stressors, resources and other key attributes. It theninterprets this information into methods ofengagement; deciding how to communicate with youbased on what elicits the most effective response. TheYoo-Mi PHA’s comprehensive platform also monitorsand evaluates key indicators of your progress. Uploadblood test results, weight loss development,nutritional values, fitness progress, blood pressurestats and other key indicators that will enable yourYoo-Mi PHA to push you towards becoming thehealthiest version of yourself. Your Yoo-Mi PHA willgive you 360° insights into your physical welfare andkey information, tips and prompts you need to helpyou achieve your specific wellness goals.At the core of your Yoo-Mi PHA is EmpathAI ™ -Empathetic AI - the world’s first neural network thatuses Deep Psychology to drive Deep MachineLearning and apply it to powerful predictivealgorithms, giving machines the ability to processemotion and replicate the psychological functioningof the human brain. The technology leverages deepemotional, behavioral and psychological profilingdeveloped by the company’s team of psychologists tofind out exactly what makes you tick .A key component is the incentivization framework. Onthe platform, users are encouraged to complete smallbut meaningful tasks that contribute towards theirwellness goals, and are rewarded for their successfulcompletion through cashback and our new UMEtokens, such as uploading their insulin test results,taking their nutritional supplements, going a daywithout smoking, losing weight or cutting outcaffeine, amongst many others.While traditional wellness apps focus on one keycomponent and tend to only reward success throughpositive feedback, your Yoo-Mi PHA’s intimateknowledge of your internal motivators and real-timetracking of your well-being combined with tokenrewards makes for an effective and comprehensivesolution..

THE GROUND-BREAKING TECHNOLOGY BEHIND YOO-MI

The Yoo-Mi PHA is powered by ground-breakingtechnology. Developed painstakingly over five years by ateam of over 60 experts in Machine Learning, ArtificialIntelligence, Deep Learning, Software Engineering,Android Development, and Psychology, the Yoo-Mi PHAwill use unprecedented analysis of users’ mobile phonemeta-data to make a detailed, hyper-accurateassessment of their unique personality, includinginterests, traits, triggers, predispositions and internalmotivators.Our empathetic artificial intelligence is the secret saucethat gives every Yoo-Mi PHA the empathy that until nowwasn’t achieved by any AI company trying to create theultimate AI assistant. What sets our AI apart from othersis the intricate psychology at its core. This psychologycan be divided into two main components: diagnosticsand models of change:1- DiagnosticsThe power of clinical psychology lies to a great extent inits diagnostic abilities. Over the last decade, psychologyhas developed sophisticated, evidence-based models ofpersonality assessments. However, enlightened thoughthese assessments may be, they are tainted by the factthat subjects are aware of being assessed and will adjusttheir behavior accordingly.In addition, these assessments are incredibly expensiveto conduct and have a comparatively large margin oferror. With our innovative AI we can leveragecomprehensive, objective and hyper-accurateassessments across different time periods to helppeople make the changes they need to improve theirlives.Through our psychology-driven AI, your Yoo-Mi PHA canpinpoint the psychological or behavioral barrierspreventing you from losing extra weight, getting thenutrients you need or sticking to a regime. Your Yoo-MiPHA understands exactly which lifestyle choices may beholding you back or are needed to speed up progress.2- Model of ChangeThe second most powerful element of psychology is itsuse in facilitating positive behavioral change. Once weunderstand the unique traits that make you who youare, your Yoo-Mi PHA will adjust how it interacts withyou. Drawing on the intensive testing and developmentof our team of accomplished psychology researchersand psychotherapists, our developers translateindividual personality traits, habits, triggers andpredispositions into algorithms. This provides acomprehensive psychological profile of the user.Once your personality and behavioral generators areunderstood, your Yoo-Mi PHA will know exactly how andwhen to talk to you and encourage you to take positivesteps to improve your well-being.To use an oversimplified example, if you are someonewho scores high on traits such as introversion andstability, you may respond best to calm, measuredadvice, delivered at a time of day when your tasks havealready been completed.

4

Meanwhile, someone who scores high on intensity andextraversion, may respond better to an authoritativevoice who speaks quickly and gives advice when theyare already juggling multiple tasks.The avatar also assesses your physical well-beingthrough uploaded blood test results, blood pressurereadings, physical tests, nutritional and exercise diariesand other wellness indicators that are easily uploadedonto the platform. The Yoo-Mi PHA combines a deepunderstanding of your behavior and persona withknowledge of your physical well-being to create hyper-personalized guidance and insights. The advice offeredby the Yoo-Mi PHA is the product of intensiveconsultation with health experts and is in line withofficial guidelines from the World Health Organization.The entire Yoo-Mi PHA platform is operated in alignmentwith the strictest regulations of both the EuropeanUnion and the USA.Our psychology team is made up of PHD researchers andfield psychologists with 20 years’ experience in profiling,all of whom are licensed clinical psychotherapists.

Steering our Artificial Intelligence team is Professor SaritKraus, Professor of Computer Science at Bar-IlanUniversity and an Adjunct Professor at the University ofMaryland. Kraus was awarded the IJCAI Computers andThought Award, ACM SIGART Agents Research award,the EMET prize and was twice the winner of the IFAAMASinfluential paper award. She is a fellow of theAssociation for the Advancement of ArtificialIntelligence, the European Association for ArtificialIntelligence, and the Association for ComputingMachinery. She is also a recipient of the advancedEuropean Research Council grant.

THE YOO-MI PHA MARKETPLACE

While the Yoo-Mi PHA avatar is the face and mentor ofour platform, the comprehensive marketplace behind itcaters to all the wellness needs of our users. Themarketplace uses Blockchain to provide direct access toentities that facilitate every wellness need in anaffordable, efficient and customized way. The entireYoo-Mi PHA marketplace operates using our dedicatedUME currency exclusively. Customers who do not yethave UME coins can exchange their fiat money on theplatform into UME tokens.The marketplace operates on multiple verticals. Not onlywill a wide variety of wellness products be directlyavailable to order from the marketplace, but users willreceive customized offers for service providers that alignwith their location, personal objectives, budget andpersonal compatibility. The menu of wellness servicesand products will include anything from spas topersonal trainers, weight loss support groups tonutritionists, therapists to masseurs. This hyper-personalized approach means small and localbusinesses will be included and can also thrive on ourmarketplace through enhanced visibility and targetedpromotions.

Providers will be pre-approved before being allowed topromote their services. Transparency, accountabilityand competition will be optimized through user-drivenratings.Suppliers will receive incentives for increasing theiradvertisement budgets on the platform as well as theirsales and variety of products. Users will be encouragedto rank suppliers based on quality, reliability andservice. The top 5 highest-ranked suppliers will berewarded with UME tokens, thereby incentivizingexcellent service.

THE NECESSITY OF BLOCKCHAIN

There are several factors that make a Blockchainecosystem a necessary component of the Yoo-Mi PHAplatform:Security and confidentialityThe Yoo-Mi PHA is able to motivate life-optimizingbehavior through the continuous learning andabsorption of information around your personal traitsand wellness progress. The sensitive nature of thispersonal information, such as blood test results,internal motivators and behavioral changes,necessitates only the strongest security measures andencryption methods. Storing data on the blockchaindecentralizes personal information and ensures it is notheld by any external entity.TransparencyWe will use blockchain to disclose all the properties ofeach product we offer, including features, ingredients,quality standards, and pricing structure. All third-partysuppliers will also have to submit detailed andsubstantiated information about their products andservices, which will be verified and published on theblockchain.Facilitating micro-transactionsGlobal money transfers are greatly facilitated byblockchain technology. Using traditional settings wouldrequire a massive legal and accounting team to createworldwide access to Yoo-Mi PHA’s products andservices, not to mention the funds needed to pay heftycredit card processing fees. With smart contracts andblockchain, this problem is eliminated.Token rewards for activities on the platformAs part of our incentivization framework, smartcontracts will be used to distribute tokens among ourusers based on their successful completion of wellness-enhancing actions. Every day we will distribute 50,000tokens to users. Smart contracts will be used to sharethe location of these tokens with our users. Using smartcontracts is an effective, simplified way of motivatingpeople to consistently take positive action to improvetheir well-being for financial rewards. Users also receive15% cashback on products and services purchased onthe marketplace with UME tokens.Rewarding system for suppliersIncentivizing suppliers is another important componentof the Yoo-Mi PHA model. Tokens can be earned bysuppliers as a reward for offering competitively pricedproducts and services to Yoo-Mi PHA customers.

5

The top five sellers on the platform as established by auser-generated reviewing system will be rewarded withUME tokens. These tokens will be distributed among themost popular suppliers on the platform via SmartContracts.

THE YOO-MI PHA BLOCKCHAIN

Yoo-Mi PHA is a hybrid solution utilizing a Blockchainprotocol for transactions, rewards and smart contracts,and managed by a governance system. The Blockchainprotocol will be based on the Ethereum network andour transaction solution will be based on a fork ofEthereum deployed as a private ledger with proof ofstake as a consensus mechanism. There are otherconsensus mechanisms that we are investigating thatwill be researched in conjunction with the developmentof the system and may be adopted after a vote via thegovernance protocol at a later time.Yoo-Mi PHA implements several major modifications tothe Ethereum protocol, such as a government systemthat allows for upgrading and validation.The currency of our system, UME tokens, will be thecurrency of our marketplace and will be used to rewardYoo-Mi PHA customers for following the guidelines oftheir personal avatars and achieving personal goals. Thecurrency can also be used to activate smart contracts orbuy products and services from the Yoo-Mi PHAmarketplace. The goal of this design is to create ablockchain system that can eliminate the middle menfrom the equation and let our customers manage theirwellness at a lower cost and consume only what theirbody really needs.The marketplace ensures day-one usability by enablingthe purchasing of super foods, weight loss aides,nutritional supplements, vitamins, minerals and sportsproducts. Our design will allow users to get UME tokensas rewards and to manage their data via our platformfrom the very first day of the platform’s launch.In the following sections we will go through the detailsof the blockchain system and the governance system.

Governance

The token will support governance control which isnecessary to ensure the smooth-running of theplatform. While the entire payment solution isdecentralized and all information about transactions inour systems will be held by the suppliers of ourproducts and services, occasional back-office approvalfor certain functionality may be required to boostsecurity and the solution’s usability. Additionally, thegovernance will assure that the Blockchaindecentralization advantage will reduce the dependencyat any single point of failure. In order to run ourdedicated Blockchain effectively we will ensure our newgovernance model will incorporate the voices andopinions of the partners involved in the Yoo-Mi PHAplatform.The UME tokens will implement an upgradeable tokendesign that will enable future enhancement of speed,scalability, performance, functionality and businesspivoting. A token upgrade, once its development iscompleted later this year, is an imperative feature,allowing Yoo-Mi PHA to create real-time sustainablesolutions. Aspects of the token upgrade vary fromsimple improvements (i.e. speed and scalability) to theadoption of a new crypto technologies and securitymeasures as the ecosystem evolves. This solutionprovides a way to connect a single ledger to a chain oflinked tokens. The Yoo-Mi PHA ledger and token designaims to achieve several goals:• Allow the development team to upgrade the token in

a single atomic action.• Upgrade action should force all token holders to

participate in the upgrade process.• Token owners will not be required to take any action,

they will be charged no gas fee and the transition willbe seamless.

• Anyone can create an upgrade for the token, but onlythe development team will be able to connect theupgraded token to the Backend Ledger for allowingtransfers. This small element of control is a necessityto running updates that even platforms such asEthereum require.

6

Smart Contract Blockchain

The Yoo-Mi PHA Blockchain protocol and token is basedon the Ethereum protocol, which is an open sourceBlockchain with distributed computing for smartcontracts. Smart contracts are state-based, immutableprograms stored on the blockchain, which canguarantee the contract’s actions.The difference from Ethereum is the ability of the user totransfer our token, UME tokens, along with several othertypes of data. In Yoo-Mi, like Ethereum, our state on theblockchain is made up of objects. We have the 4 fieldsmentioned in Ethereum which are the nonce, cryptocurrency balance, contract code, and storage. These willallow users to keep track of their identities. UME tokensare the fuel of this network, and are used to paytransaction fees, fuel smart contracts, and provideliquidity to medical data and identities stored in thesystem. In addition, there are two contracts with whicha user will interact: the first is similar to its counterparton the Ethereum network, the other is a data storagecontract, which will use its contract field to handle thedata storage account in a safe manner.

Consensus

Our system will combine Ethereum (public) as a primaryblockchain and fork of Ethereum (private) with proof ofstake as a consensus method as a side chain that wouldbe used for all internal transactions. This willsignificantly decrease all the transactions costs and willmake the micropayments economically sustainable.Due to the fact that UME tokens are the only method ofpayment in the marketplace, this is the most effectiveway to decrease transaction costs and increasetransaction settlement speed.

Technical Road Map

The road map of our system is designed in phases,allowing for continuous development and stand-alonebusiness cases. The code will be viewable on GitHub. Inaddition, each milestone shall have research donebeforehand, with the results published in a white paper.It is important to note several things about the stages:We would like for each phase to be able to stand aloneand generate awareness and activities without requiringthe next phases to take place. This is designed due tothe strict security restrictions. Thus, if something goeswrong with one of the phases, the distributed systemcan still continue to function. The schedule androadmap will also be updated for new developmentsand unforeseen events. Every stage will have additionalfunctionality.Once all these stages are complete, while there arefuture plans as described in the Future Areas ofResearch section, we plan on the community andconsortium leading further growth and developmentwith us to continue to contribute to for an additionalyear. Afterwards we will work on additional research andopen source UI tools. The status of our network can alsobe tracked via this GitHub repository.

Phase 1 - Complete

Our first stage will be deploying an ERC 20 Token that will allow users to use UME tokens from day one and buy a subscription for a personal data management platform.

Phase 2 – June 2018

Our second stage will be building our initial Blockchain ecosystem. Our initial ecosystem will have the built-in governance solution, currency transaction, and the ability to run smart contracts. Users at this stage can buy products and services from the Yoo-Mi PHAmarketplace. This stage will also be fully released on GitHub when we have several partners in the governing consortium.

Phase 3 – September 2018

Launch proprietary sidechain solution based on Ethereum hard form with Proof of stake as a consensus, protocol amendment capabilities and renovated governance mechanism.

Phase 4 – January 2019

The final stage will involve the secure data storage layer. This will require the most trust from providers of our services and products and, being the most theoretical, is being scheduled last. This will allow our partners to securely store their data and share their data in real time without allowing access to their current system and allow for real time data analytics.

7

8

INCORPORATING COMMUNITIES

To ensure our Yoo-Mi PHA platform is thriving with members from the very first day of our launch, we are approaching, globally common-interest communities and incorporating them into our platform in phases. We are already in negotiations with a few communitieswith active users of wellness enthusiasts who arealready engaged adherents to the types of wellnessproducts that will be available for purchase on ourmarketplace. We are also currently in negotiations withglobal brands to bring their communities, products andservices to the platform. Details of these partnershipswill be released publicly once negotiations have beenfinalized.In June 2018, communities and international brands,vendors, service providers and local brands will be ableto take part in our platform as well as publish theirservices. Not only does this promote healthycompetition, it increases the diversity of productsavailable, so each user can find the right products andservices to meet their specific wellness needs.Because of the rapid and substantial growth of thehealth and wellness industries, there is a variety ofsizable communities that Yoo-Mi PHA is able toapproach and convert into platform users.

DISRUPTING THE MULTI-TRILLION-DOLLAR WELLNESS INDUSTRY

According to a recent report by the Global WellnessInstitute, over the last three years the wellness marketsize has grown by 10,6%. By 2015 the market reached$3.7 trillion and continues to expand at an average paceof between 3-6% per year depending on the segment.Today, the wellness market presents more than 5% ofglobal economic output and almost half of all globalhealth expenditures(1).

At the Global Wellness Summit(2), the following werenamed among the most promising industry trends:• Beauty foods: beauty care industry turns from repair to

prevention and focuses on healthy eating• Services and spaces for creative development and

mental wellness• Wellness for everyone: making quality products and

services accessible for people of different economicbackgrounds.

• Healthy architecture and interior design

There are three important elements that supportwellness industry expansion:• The failure of the public healthcare system to cope

with current challenges and meet expectations anddemand around holistic prevention strategies.

• The growing awareness that good health requiresproactive, responsible, and informed action byindividuals themselves.

• Ageing populations that want their quality of life toalign with their longevity through proactive self-care.

These factors contribute to a phenomenal need foreffective and personalized wellness services that gobeyond the deceptive, false advertising of manywellness brands and stimulate actual, positive change.

Industry today: trends and numbersPeople today are more concerned than ever withhealthy eating, active lifestyle, positive thinking, andtaking care of themselves in a holistic, meaningful andeffective way(3).

Dietary guidelines form an important part of wellnessprograms, so demand is constantly growing for qualityfood products, including those that are GMO-free,organic, additive-free and all-natural products.

(1)https://static1.squarespace.com/static/54306a8ee4b07ea66ea32cc0/t/58862a472994ca37b8416c61/1485187660666/GWI_WellnessEconomyMonitor2017_FINALweb.pdf(2)http://www.globalwellnesssummit.com/wp-content/uploads/Industry-Research/8WellnessTrends_2017.pdf(3)https://www.globalwellnessinstitute.org/press-room/statistics-and-facts/

9

Consumers all over the world are willing to pay apremium for foods with health benefits. Below is a tableof willingness of people surveyed to pay a premium forfood with health benefits(4):

Young consumers are most willing to pay a premium forhealth attributes. While health benefits are importantfactors in purchase decisions for all age groups, theyrank lowest among Silent Generation (aged 65+)respondents. Health attribute ratings are highest amongMillennials (21-34), followed by Baby Boomers (50-64),Generation X (35-49) and Generation Z (under 20).

Food supplement industryA rapidly growing segment of the wellness industry isfood and nutritional supplements. Half of all adultparticipants in a survey in the mid-2000s said theytook at least one supplement every day. According to areport published by Zion Market Research(5) in January2017, the global dietary supplements market was valuedat USD 132.8 billion in 2016 and is expected to reachUSD 220.3 billion in 2022 and is anticipated to grow at aCAGR of 8.8% between 2017 and 2022.

Vitamin supplement accounted for around 42% ofglobal market share in 2016. Asia-Pacific was the largestmarket for dietary supplements globally in 2016.Consumer awareness about the benefits of dietarysupplements, greater product availability and increaseddisposable income are the major drivers for this market.Meanwhile, North America accounted for around 28% ofthe total market and is projected to grow. Europe wasone of the leading markets for dietary supplementproducts. A preoccupation with healthy living is drivingdemand for healthy food and supplements.Despite this staggering demand, there is a major gap inthe market for a comprehensive platform that combineswellness expertise, behavioral change motivation and ahyper-personalized and intimate service.

THE EXPERTISE BEHIND YOO-MI PHA

infi Groupinfi Group was founded in 2013 by two veterans of thehi-tech industry, Yoram Kraus and Yaron Cohen Coriat,to address an identified gap in existing ArtificialIntelligence capabilities. Yoram and Yaron understoodthe limitations of rooting AI in broad statistical trends

and embarked on their mission to implementsophisticated hyper-personalized psychology into AI,with the overarching objective of being able to motivatepositive behavioral change with unparalleledeffectiveness.

Since 2013, the company has rapidly expanded and nowcomprises some of the sharpest and brightest minds inthe fields of machine learning, AI, algorithms, 3Danimation and psychology.

Over the past five years, the infi team has developedstunning, state-of-the-art AI technology several yearsahead of its competitors that combines deeppsychological analysis with advanced algorithms andmachine learning. The psychology team has beenconducting extensive, evidence-based research intoindirect profiling of metadata and predicting humanbehavior. This analysis is then used by our algorithmteam who translate these behavioral equations intoalgorithms.

infi Group’s first product was a social media platformthat enables users to centralize, control and curate all oftheir digital assets in one place, allowing them toquickly and easily locate memories, pictures,documents, information and other files stored over theyears. We now have 5.1 million active users in more than20 countries and are growing at a rate of almost 400.000users per month.

The Yoo-Mi PHA will replace the existing infi platformand allow users to create their very own virtual avatarthat looks and behaves exactly like them, usingpowerful predictive algorithms with deep psychologicalprofiling to understand their emotion and predict andmodify behavior.

infi Group is also using their groundbreaking,psychology-driven AI technology to create personalizedproducts across a range of sectors. It has partnered onwhite label products in the form of personalizedassistants in fields such as wellness, health care,insurance, smart home tech and others. Infi Group isalso developing products for the fashion, education,banking and HR industries.As industries move increasingly online into low-touchenvironments, personalized avatars will create anunparalleled customer experience and will helpcompanies know and understand their customersbetter than ever before.(4)https://www.nielsen.com/content/dam/nielsenglobal/eu/nielseninsights/pdfs/Nielsen%20Global%20Health%20and%20Wellness%20Report%20-%20January%202015.pdf(5)https://globenewswire.com/news-release/2017/01/11/905073/0/en/Global-Dietary-Supplements-Market-will-reach-USD-220-3-Billion-in-2022-Zion-Market-Research.html

Our white labeled products will enable companies to provide a personalized,proactive avatar that will communicate directly with the user to offer tailor-made services specifically designed to match their psychological profile.

Latin America

Asia-Pacific

Africa &Middle East

Europe North America

94% 93% 92% 79% 80%

10

MANAGEMENT TEAM

Erez Tsur, DirectorErez has over 20 years of experience within Americanand Israeli corporations, in senior managementpositions and diversified fields (IT, TELECOM, Cyber,Enterprise SW and more). He has been responsible forleading sizable teams and P&Ls. Erez is currently the CoChairman of The Israeli Advanced Technology Industries(IATI) which researches, develops and advocatespolicies and actions that promote all of Israel's hightech, increasing awareness of its strengths andinnovations worldwide. He is also a board member ofthe Israeli innovation Authority, Israel's central agencyto manage the country’s governmental support of theresource of innovation.

Nurit Mor Cohen, CBDONurit is a former Financial Specialist at PWC with over 10 years of global experience in Investment banking, M&As, financing and business development. She holds an MBA from Tel Aviv University and CPA & PoliSci degree from the Hebrew University.

Avner HaCohen, VP Psychology R&DAvner is a senior clinical psychologist and lecturer in thePsychology Department at the Hebrew University ofJerusalem. He is the CEO of the organizationalconsulting firm Rubicon – Human Solutions. Avner isalso the former head of a Psychology Unit at the IsraeliPrime Minister's Office.

Professor Sarit Kraus, VP AISteering our Artificial Intelligence team is Dr. Sarit Kraus,a Professor of Computer Science at Bar-Ilan Universityand an Adjunct Professor at the University of Maryland.Kraus was awarded the IJCAI Computers and ThoughtAward, ACM SIGART Agents Research award, the EMETprize and was twice the winner of the IFAAMASinfluential paper award. She is a fellow at theAssociation for the Advancement of ArtificialIntelligence, European Association for ArtificialIntelligence, and the Association for ComputingMachinery.

Yoram Kraus, CEOYoram has 20+ years in hi-tech, real estate & globalengineering projects. Yoram is the founder of thesecond-largest real estate REIT fund in Israel and aformer IDF special forces intelligence officer. Yoram is aCivil engineer educated at Haifa Technion Institute.Yoram is among the leaders in the field of projectmanagement and engineering planning in Israel, andestablished SMS - Project Management with the aim ofleading excellence in project management.

The company's managerial team developed the SMSmethod based on comprehensive strategic planning,advanced and computerized managerial methods andstate of the art solutions for execution. Over the past 15years, the Company has accumulated knowledge andexperience, and has achieved proven success in themanagement of complex projects in various fieldsserving the largest bodies in Israel and around theworld, thus becoming a leader in its field in Israel.

Yaron Cohen Coriat, CTOAfter over a decade of successful app and sitedevelopment and internet marketing, Yaron has spentthe past four years steering infibond’s strategicdevelopment. Leading the growth and enhancement ofinfibond’s technological capabilities, Yaron unites andmaximizes the efforts of a core team of experts inArtificial Intelligence, Deep Learning, SoftwareEngineering, Android Development, Psychology and 3D

animation.Throughout his career, Yaron managed onlinemarketing and development in the US, India, the UK andAustralia. Yaron successfully led global internet projectsacross a number of sectors, including finance,marketing, retail, academics and tourism and alsospecialized in SEO, internet solutions, websitedevelopment and website hosting.

11

ADVISORS

R&D TEAM

Yaniv Levy, Marketing advisorMBA in Finance, Tel Aviv University.Specializing in international marketing and restructuring on international corporations.

Hagi Schwartz, Advisor to the BoardWTI - Venture Partner, DirectorFormer CFO - Check Point Software Technologies (NASDAQ: CHKP), & CFO and General Manager of Mercury Interactive (acquired by HP)

SHEBA, Advisor to the BoardThe Sheba Medical Center at Tel Hashomer is a university-affiliated tertiary referral hospital that serves as Israel's national medical center in many fields.Adjacent to Tel Aviv, it is the most comprehensive medical center in the Middle East, renowned for its compassionate care and leading-edge medicine.

Asher Idan, ph.D.Over 35 years of experience of lecturing and consulting and research by integrating future studies and methodologies for innovative technologies, social networks, Bitcoin and Blockchain.

Matan BorenkraoutDirector of Front End Development

Roberto BergesHead of Android Development

Michael MolotskyDirector of Mobile Development

Tony SchwartzDirector of Design

Miri TropeHead of Deep Learning and Computer

Vision Research

Ofer RubinDirector of 3D Development

Ronen LovettHead of Dialogue Development

Toma GoslovDirector of Quality Assurance

Tali Shay-YaishDirector of Recruitment

Itai RazHead of Server Development Yoni Shalom

Head of Psychology R&D

Maya LachDeputy Head of Psychology R&D

Lior ZamirSenior Software Engineer

Ohad ShifferSenior Android Developer

Desi MarvakovSenior Executive Assistant

Tsvika Baruch Head of Front End Development

Gil EliasSenior Server Developer

Sara Miller VP Content and Editorial Elad Karakuli

Senior Server Developer

Or EgoSenior Android Developer

Yaniv ReuvenSenior Server Developer

Ronen LovettHead of Dialogue Development Yaakov Shahak

Senior Android Developer

Moran YossefSenior Designer

12

THE UME TOKEN ECONOMY

The UME TokenThere are several benefits to establishing a new token.Due to strict regulations around privacy and security,health data will need to be run on a dedicatedBlockchain system and there would be severalinteroperability issues if another currency were to beused. Ether, for example, would not be able to functionappropriately with health data due to its openness andlack of governance. In addition to data sensitivity thereis a big issue with fees. In order to reward our users andexecute micro transactions, we need to minimize thefees incurred. This issue is resolved by using a dedicatedblockchain.

With a focus on security at the core, this token will alsobe able to:

• Reward consumers for using the UME platform and forfollowing the instructions of their own PHA.

• Provide a transparent compensation mechanism withsuppliers of services and products.

• Provide an efficient solution for transaction fees.

Users will need the token to access smart contracts andsecure their personal data. The only way to earn tokenswithout buying them is to follow the advice of the Yoo-Mi PHA and be rewarded with UME tokens for adopting ahealthier lifestyle.In addition, up to 15% of these tokens will be set asideto help accelerate the adoption of the Yoo-Mi PHAplatform by leading manufacturers of all types ofwellness product. To attract such partnerships, we areusing a similar system to that successfully used byPayPal, which will include a referral program.

Token economics

Based on our proposed business model, we will beusing a private ledger (as opposed to a public ledger inBitcoin, Ethereum and others) to avoid payment of fees.The initial smart contract implemented by YooMi will beused to ensure the collection of Ethereum fromcontributors, place the collected Ethereum in the smartcontract escrow and allocate to UME tokens based onour token issuance plan to the contributors at the endof the TGE. If the company does not reach its fundingtarget of a soft cap of $20 million, the Ethereum raisedwill be returned to the contributors.Other smart contracts implemented by Yoo-Mi PHAensure the proper management of the entire UMEecosystem without external intervention.

Use of Cryptocurrency is not easy. A major barrier tomass-market adoption of cryptocurrencies is thetechnical complexity of their use. While the actualsending of funds is simple as any other means ofpayment. To increase ease of use, our clients can bringany Fiat currency to the platform and the Yoo-Mi PHAwill exchange the Fiat amount into UME tokens.

This process will significantly increase the adoption rateand improve conversion of a new to blockchaintechnology clients.The implementation of Blockchain and smart contractsinto the Yoo-Mi PHA eco system solves 3 very importantincentives to create effective synergy and a successfulmarket place:• It facilitates global participation in the marketplace by

allowing payment in any currency. Rewards activitieson the platform and member loyalty with UME tokens

• It incentivizes suppliers to improve offers and selldirectly to end users without middle man

UME tokens will enable users to purchase Yoo-Mi PHA’sexisting products and services as well as pre-orderfuture products with a 15% cashback from their retailprice.

SERVICE PROVIDERSAny type of wellness suppliers:Wellness productsLifestyle servicesIndividual professionals

USERSIndividuals

Groups of individuals

INFI BOND

3RD PARTY DEVELOPERSAvatars (Content)Functionality & Widgets

3RD PARTY DESTINATION(AVATAR DRIVEN)

AppsOnline

Sites (Banks/retailers)

UMEYoo-Mi TOKEN

13

A strong ecosystem requires the constantly growingdemand within UME network and a proportional growthin supply. Both of these drivers depend on boostingdemand for products and services that can be boughtonly with UME tokens which is predicted to grow super-linearly compared to the number of active clients in themarketplace. The supply is controlled by providing UMErewards directly to the user’s wallet for each of theirachievements.

These rewards are taken from a pool that is distributedat a daily constant rate (assuming gradual growth ofactive users, this means rebates gradually decrease intheir nominal size).

Additionally, Yoo-Mi PHA will provide suppliers with acertain amount of UME tokens for being popular amongthe clients. At the end of every month, the top 5suppliers by sales will be rewarded with UME tokens.Our suppliers and users will be encouraged to stayactive on the platform directly while we will serve as theescrow agent to ensure that services and products areprovided to the buyers properly and on time. We will vetthe suppliers in advance and check whether theirproducts are of premium quality and services meet thehigh standards set by our marketplace.

Rewards to our Yoo-Mi PHA members will be feasiblethrough our issued UME token for the users andsuppliers.The reward process will be organized as describedbelow:

For users:• Rewards for reported sports activities;• Achievement rewards, i.e., for weight loss, blood test

improvements, blood pressure improvement, positivedynamics in periodic tests such as exercise stress testand ergometric stress testing, etc.;

• Rewards for conducting daily/periodic checkups(blood pressure results that are uploaded to thesystem);

• Rewards for reviews on suppliers, products theyconsume regularly, and services they’ve purchased;

• Cashback and rewards on purchases with UME tokens.

For suppliers:• Rewards for providing users with cashback for

products and services;• Cashback and rewards for active use of the platform’s

advertising space;• Rewards for TOP 5 suppliers according to the users’

ranking - for their great service, high-quality products,and large turnover. The users of our token will ranksuppliers every month. TOP 5 suppliers will berewarded with extra bonuses and UME tokens.

Since we are generating our own token, we can providerewards that our users and suppliers can use on ourclosed platform and with our partners. The rewardedtokens are going directly to the supplier and the buyerand are received and spent on activities within ourplatform. There are no middlemen in our system, whichmeans operating with full transparency.This will allow us to give more and more rewardswithout agents and escrow agents, who may cut a pieceof the pie, maximizing our reward base and benefits.

TOKEN ISSUANCE

The Token Generation Event (TGE)To finance Yoo-Mi PHA’s roadmap and activities in theforeseeable future, the company plans to conduct atoken sale of an initial supply of UMEs.The private sale will have a capped amount of $75million. UME tokens will be sold at a fixed pricedenominated in ETH and the initial supply will dependon the quantity of UME tokens sold.

Contribution Bonus program and token allocationPhase 1 of our investment is now complete and we arein the process of completing Phase 2 in private saleonly. We will be holding a number of private sale eventsin Korea, Switzerland, Monaco, Russia, the UK and theUS where we will be offering contributors a pre-salespecial offer of a 50% bonus.

Use of ProceedsMost of the funds raised during the TGE will be used for3-year research and development activities aspresented in the graphs below. The rest of the amountraised is allocated to supporting marketing strategies,G&A, operational, and unexpected expenses.

14

ROADMAP

General and Commercial Roadmap

MARKETING & FINANCIALS

Target audience

• Manufacturers and Service providers (Suppliers) Weare working directly with leading suppliers in theirfields in order to make them more engaged with Yoo-Mi PHA’s marketplace. By providing high-quality goodsor impeccable service, they’re contributing to thecompany and shall get UME tokens as well as enjoyingrevenue from their product distribution.

• Consumers As soon as the Yoo-Mi PHA platform isofficially launched in June 2018, the mass market willbecome our target audience. Our current partnersalready have millions of dedicated consumers who willbe converted into Yoo-Mi users, as will users of otherproducts under our parent company. We a Blockchaintechnology makes operations with cryptocurrencieseasy and convenient for everyone, so healthy lifestyleenthusiasts will be eager to benefit from Yoo-Mi PHAapplication and accessibility through the marketplace.

RISK FACTORS

The following are the risk factors in relation to Yoo-MiPHA business in general and UME Token GenerationEvent in particular.Important notice: Please read the entirety of the"Legal Considerations, Risks and Disclaimer".

Token Sale Risks

● There is no prior market for Tokens and the Token Salemay not result in an active or liquid market for theTokens.

● Future sales or issuance of the Tokens could materiallyand adversely affect the market price of Tokens.

● Negative publicity may materially and adversely affectthe price of the Tokens.

● There is no assurance of any success of the Company’sbusiness platform or any future Token functionality.

● The market price of the Tokens may fluctuatefollowing the Token Sale.

● The private keys to the escrow wallet may becompromised and the cryptocurrencies may not beable to be disbursed.

● The Token may be significantly influenced bycryptocurrencies market trends and Token value maybe severely depreciated due to non-UME relatedevents in the cryptocurrencies markets.

● The use of the Tokens may come under the scrutiny ofgovernmental institutions.

● The ownership of Tokens may fall under new andunpredicted taxation laws that will erode Tokensbenefits.

● There may be unanticipated risks arising from theTokens.

● Applicable laws and regulations may limit the utility,functionality, the accessibility and transferability of theTokens.

15

Company Related Risks

● The Company may be materially and adverselyaffected if it fails to effectively manage its operationsas its business develops and evolves which wouldhave a direct impact on its ability to maintain oroperate the Company’s business platform and/ordevelop structure and/or license any future Tokenfunctionality.

● The Company may experience system failures,unplanned interruptions in its network or services,hardware or software defects, security breaches orother causes that could adversely affect theCompany’s infrastructure network, and/or theCompany’s business platform.

YOUR PERSONAL ASSISTANT

White Paper 2018

● The Company may in the future be dependent in parton the location and data center facilities of thirdparties.

● General global market and economic conditions mayhave an adverse impact on the Company’s operatingperformance, results of operations and/or cash flows.

● The Company or the Tokens may be affected by newlyimplemented regulations.

● The Company may not be able to pay any anticipatedrewards in the future.