NEW YORK CHICAGO MOSCOW HONG KONG

SUMMARY 2017

We offer special conditions to participate in Presale of BKX tokens

BANKEX Proof-of-Asset Protocol (PoA) is a standard that enables a new generation of smart assets and contracts for decentralized capital markets

We build the Internet of Assets (IoA) — a decentralised network of frequently evaluated assets by automated means

Bank-as-a-Service (BaaS) is a platform applying Internet of Things (IoT) and Artificial Intelligence (AI) to assess or liquidate assets in minutes

TOP-50 Fintech Start-Up Globally

$10M+ in presale commitments from financial institutions within 5 days

Igor Khmel

CEO

Stanford GSB MBA, degrees in Physics a n d Economics

Management consulting (corporate finance) at McKinsey & Deloitte a n d investment & t rad ing at Citadel hedge fund

Founder of the fintech lab at Sberbank, the largest Eastern European b a n k

Denis Khoruzhiy

CTO

10+ years experience as a technical director

PhD in Physics a n d Mathematics

Experience in Machine Learning, Na tura l language processing

Constantine Kurbatoff

Head of Strategy

4+ years in Venture business

6 years as a CFO in APE corp. (USA) Strategy consulting (energy services) at CARANA corp. Master in Finance, MSc. in Mathematics & Computer Science

Co-Founder of fintech startup in Israel (Google launchpad)

Summary • October 2017

INFORMATION

Symphony Foundation member alongside major financial institu- tions such as J.P. Morgan

Winner of hackathon in Kazan by Vitalik Buterin, founder of Ethereum

PoA protocol is open for 3rd party fintech providers, AI and IoT labs, traditional financial institutions and asset owners.

Both the Internet of Assets (IoA) and the Proof-of-Asset protocol (PoA) are revolutionary way to bring the liquidity of non-fungible and traditionally illiquid assets classes.

Additional Information

BANKEX PRODUCT

bringing bank-as-a-service and blockchain together

to transform capital markets

Proof-of-Asset Protocol

CREDENTIALS

Industry award: Finalist of Barclays Tech Stars Tel Aviv

Website: bankex.com

BANKEX builds inter ledger protocol to connect banks, fintech companies and end customers. We leverage best of class fintech products provided by fintech partners to construct tradable smart assets that unlock new value for our bank-customers.

BANKEX solves problem of under-utilization of bank assets and losing loyalty of underserved clients. Our platform powers solutions:

• off-balance-sheet funding for declined loan application;

• factoring chain products;

• leveraging infrastructure for KYC and sales;

• sales of complementary product

2017

$120K grant from Microsoft Azure

2016

Life.SREDA blockchain hackathon winner

2016 Won nomination for the best innovative IT project (eligible for $90K grant from Skolkovo Foundation)

Credentials

WHERE WE ARE SO FAR

Rapid growth Established in January 2016

product ventures started5

2 ventures already funded

7

Traction & Performance The only professional fintech incubator in region with global exposure

banks

as clients $1M

Proven Model Leveraging Rocket Internet and FinLeap models

in VC financing

$120K Microsoft Azure grant

1 stock exchange partner

TOKEN PRESALE STARTED ON OCT 5: $10M+ IN COMMITMENTS IN FIVE DAYS

Where We Are So Far

WHERE WE ARE GOING

WE ARE BUILDING COMPLETE BLOCKCHAIN FINANCIAL ECOSYSTEM

TECH

NO

LOG

YPR

OD

UCT

MA

RKET

ING

CLIE

NTS

Strategic Development

WHERE WE ARE GOING

WE ARE BUILDING COMPLETE BLOCKCHAIN FINANCIAL ECOSYSTEM

Road Map

1q2018 2q2018 3q2018 4q2018 1h2019 2h2019 1h2020Hedging framework

Custodian framework

Tokenization framework

OTC-exchange engine

Decentralized exchange protocol

Closed \ open api for financial institutions

and fintech providers

Legal and business process SDK for tokenization and new asset classes

Framework for self-regulated

industry organization

Market-making solution Articipation in the early stages of projects (pre-ITO & private placement)

Black pool of liquidity solution - financial & Investment consulting Cash management Hedging of all type of assets SPAC’s

Utility token exchange Security token exchange Crypto-fiat custodian BaaS capitalmarkets toolbox - managed portfolios & robo-advising services

BaaS Сapital markets toolbox asset management accounting and storage of assets Tailor made creation of ready structures

Managed portfolios & robo-advising services Cash management Asset management Organization and attraction of financing in public fiat & crypto markets OTC-derivatives

Participation in the early stages of projects(pre-ITO & private placement) Hedging of all type of assets Accounting and storage of assets

M&A between of all type of organizations (fiat & crypto) Creating and managing of asset allocation of all types of assets Global legal protection of all type of assets

TECH

NO

LOG

YPR

OD

UCT

TRADITIONAL PATH

— Investopedia

Securitization is the process of taking an illiquid asset, or group of assets, and through financial engineering, transforming them into a security.

BLOCKCHAIN PATH

Tokenization is the process of converting rights to an asset into a digital token on a blockchain... to move real-world assets onto blockchains to gain the advantages of Bitcoin while keeping the char- acteristics of the asset.

— nasdaq.com

Providing Proof-of-Asset Protocol for real world assets

ASSET SMARTASSET

CAPITAL

ESCROW

TOKENIZATOR

Security

Coin

Token

BANK-AS-A-SERVICE ON BLOCKCHAIN

BANK-AS-A-SERVICE ON BLOCKCHAIN

Proof-of-Asset Protocol

ASSET

Client Asset

BlockchainAPI

BANKEX

Product Miners(Solution Providers) Public ExchangeSPV, bonds

Crypto ExchangePUBLIC

Crypto ExchangePRIVATE

ASSET TOKENIZATOR

IndependentAudit & Escrow

SMART ASSET ESCROW

EXCHANGE

Token

CAPITAL

CRYPTO-FIAT DERIVATIVES

Fiat Capital

Crypto Capital

SECURITY

COIN

TOKEN

HOW IT WORKS

ASSET TOKENIZATION

STEP 1 We identify tangible cash flow (discrete goods or services) out of Client’s Asset/create cash flow leveraging 3rd party provider

STEP 2

We add investor protection:— Engage 3rd party asset and/or cash flow audit/asset tracking

based on IoT or AI technologies

— Minimize agent’s risk by keeping asset in escrow or sourcing

reputable professional asset manager that is independent from

asset owner (secure asset)

STEP 3 We use this trackable and secure asset or cash flow as collateral

for tokens issuance

LIQUIDITY

ASSET CLASSES

Precious metals Reducing settlement time from 2—3 days to instantaneous, unlocking new segments for $5 TN gold market

National currencies According to Word Economic Forum 10% of global GDP will be stored on blockchain technology by 2025

SME global credit gap is $2.1—$2.6 TN

Community banks struggle to meet diverse customer needs and raise capital

OTC derivatives Gross market value rose to

$20.7 TN in 2016 vs $14.5 TN in 2015

Asset Classes

COMPETITION

Competitors

Cust

omer

s sc

ope

Сore team members worked for many years in banking & investment banking in major banks, 12 years in several fintech-projects, 11 years in e-commerce, 9 years in software development, 7 years in advising venture projects, 9 years in consulting in BIG4, MBA in Stanford, Cornell and Stockholm Universities Global market, Focusing on Institutional clients

Institutional

Retail

Local market Global market

Has created a real estate fund in 2011 investing in student rental propertiesUS market,Retail &institutionalclients

In 2014 started loans p2p marketplace, 7 banks close 1000+ deals on platform, in 2016 launch of home equity marketplaceRussian MarketRetail

LaToken

Polymath

As a membership network from 2014 , launched for developing several blockchain projects, 1M crowdfunding roundUS market, Retail

SWARM fund

BANKEX

BANKEX IN MEDIA

— I think BANKEX is trying to tackle an important problem. And that problem is asymmetric information in various markets. Canonical example and where BANKEX can potentially help is financial markets.

Michael Ostrovsky, BankEx advisor Professor of Economics, Stanford GSB

www.cryptoninjas.net/2017/09/26/bankex-decentralized-baas-exchange-welcomes-stanford-maryland-academics-advisors/

Proof-of-Asset Protocol BankEx adds Stanford and Maryland

academics as advisors

www.nasdaq.com/article/the-great-fintech-debate-disruption-versus-evolution-cm848221

The Great Fintech Debate: Disruption Versus Evolution

In Media

USE CASES

Secondary market for new buildings Business case: tokenization of to-be-built apartments to give flexibility to buyers and bank in deal financing and liquidity in funds committed.

Client: leading international bank with presence in 60 countries

Country: Hong Kong

Asset: commercial real estate and residential housing

Technology: private real estate-crypto custodian

Token economy: token is backed by square meters of future apartment (for example, 1 apartment = 1000 tokens). Token price is stable. Token appreciates while apartment is built.

Escrow/Asset Manager: reputable third-party auditor such as BALANC3

Exchange: exchange is organized by asset owners (housing developers), powered by BANKEX

Client: non-confirmed

IoT — ‘pay as you go’ Business case: tokenization of commercial real estate based on real occupancy, ‘pay-as-you-go’ for renters

Country: US

Asset: commercial real estate

Technology: IoT, movement sensors

Token economy: token is backed by commercial rent based on ‘pay-as-you-go’ model, 1 visitor per hour = 1 token

Escrow/Asset Manager: reputable commercial real estate operator

Exchange: exchange/loyalty program organized by asset owner and BANKEX

Real Estate Cases

USE CASES

Retail franchise network

Business case: tokenization of future cash flow from new stores built, new stores financed by loyal audience of future customers. Tokens can be used to buy products in the network. Also token owners can vote for the next store location.

Client: retail chain

Country: US & Russia

Asset: future cash flow from the store

Technology: preprocessing to collect interest as a part of revenue; payment wallet to spend tokens as loyalty currency in the retail chain

Token economy: Token is backed by franchise royalty revenues. Also token can be used to buy products in the chain, for instance

1 token = 1 burger

Escrow/Asset Manager: reputable franchise network brand + third-party auditor

Exchange: exchange is organized by asset owners (e.g. retail chains) and BANKEX

Country: US

Asset: shares of non-public companies Technology: private shares-crypto custodian

Token economy: token is backed by non-public shares, 1 share = 1 token. All the tokens are exchanged to company shares in case liquidity event (acquisition or IPO)

Escrow/Asset Manager: reputable third-party auditor such as BALANC3

Exchange: exchange is organized by BANKEX

VC portfolio – secondary market for non-public shares Business case: tokenization of private shares to reduce settlement time, to cut legal expenses.

Client: 2 VC-firms, NY and CA

PE & VC Cases

USE CASES

Drinking water for Africa and India

Business case: enabling direct donations from foundations to end-consumers of drinking water in urban areas in Africa and India. Making the whole process transparent and 0-waste for donors. Donors buying water-coins, each water-coin is spent for 1 liter consumed drinking water. Donors can track consumption with granularity up to end customer. As a side note, average commission charged by foundation is 20%, with some of them charge up to 50%. Commission is often not disclosed.

Client: technology company producing filter machines

Country: Africa, India, Russia, US

Asset: drinking water produced by autonomous freezing machines

Technology: water filtering through freezing and defreezing; machine powered by solar energy; private blockchain for keeping records of water consumption; payment wallet to spend tokens as means of payment for drinking water (M-Pesa in Kenya, etc)

Token economy: charity donors buy water-tokens. 1 token = 1 liter of drinking water. The money is spent by tech company to manage freezing machines, grow network and make R&D

Escrow/Asset Manager: reputable third-party auditor such as BALANC3

Exchange: close loop of water-coins (foundation - end - customer - freezing machines - tech company) powered by BANKEX

Non-Profit Case

PROFESSIONAL FINTECH TEAM

US Team

Asian Team Wooyoung Joo Hong Kong

Young Kim Seoul

CEO

Stanford GSB MBA, degrees in Physics and Economics

Management consulting (corporate finance) at McKinsey & Deloitte and investment & trading at Citadel hedge fund

Founder of the fintech lab at Sberbank, the largest Eastern European bank

CTO

10+ years experience as a technical director

PhD in Physics and Mathematics

Experience in Machine Learning, Natural language processing

COO

Serial e-commerce entrepreneur, made 3 exits in e-com startups

Leadership, new business development

Guru in Business Tactics & Strategies

CLO

Member of the Board, Deputy Chair, VP at Uniastrum Bank (Bank of Cyprus) and TRUST Bank

Head of Legal at Avangard Bank, Moscow Industrial Bank, Troika Dialog Investment Company

Product Director, Chicago

Background in Quantitative Risk and Institutional Credit

Led leveraged finance deals ranging from $500K up to $2.4B

MS in analytics from the University of Chicago

Head of US Operations

8+ yrs strategy / operations consulting for major fin institutions at PwC and boutique consulting firm

5+ years retail sales at Northwestern Mutual

MBA at Cornell University

Igor Denis Dima Stan Neil RitaKhmel Khoruzhiy Dolgov Sushko Benedict Golub

Core Team

Constantine Kurbatoff

Head of Strategy

4+ years in Venture business

6 years as a CFO in APE corp. (USA) Strategy consulting (energy services) at CARANA corp. Master in Finance, MSc. in Mathematics & Computer Science

Co-Founder of fintech startup in Israel (Google launchpad)

Founder at Chronobank

Sydney, Australia

Co-founder of Edway Group Ltd

Active member of the world-wide crypto community

Won a number of awards in business in Australia, including "Hot 30 under 30" and "Young gun in business"

Represented Australia at the G20 Summit

Advisers

Professor of Economics at University of Maryland

Maryland, US

Ph.D. in Business from Stanford University

Advised 12 governments and 40 bidders in spectrum auctions. Co-inventor of the spectrum auction design in many European countries to auction 4G spectrum

Design and implementation of electricity and gas auctions.

FinTech Titan, Chairman at the Financial Services Club

London, UK

Expert in Banking& Fintech, Top 40 Fintech Influencers Globally Chairman at the Financial Services Club for over 13 years

Working closely with leading banks such as HSBC, the Royal Bank of Scotland, Citibank and Société Générale,

Partner and CEO at Banking on Blockchain Fund

Founder at Wachsman PR

New York, US

Conducted PR for 60+ premier blockchain organizations

Extensive PR experience for companies in multiple industries

Executive Director at Symphony Software Foundation

Palo Alto, US

Open Source Software expert

PMC Member for the Apache Software Foundation

14+ years of experience in open source, fintech strategy

Founder of the Maven Alfresco SDK, Apache Maven powered SDK for the leading open source ECM framework, Alfresco

Peter Chris David Sergey Gabriele NehemiaCramton Skinner Wachsman Sergienko Columbro Kramer

Ethereum Early-Stage Investor

Blockchain investment advisor

Worked with the founders Ethereum, ConsenSys, ARK Investment Management, IBM's Blockchain и Artificial Intelligence groups

The head of Kramer Consulting is a blockchain ecosystem that deals with business development

"Rocket Internet" of Fintech

Independent Lab for global tokenization technologies

* to be incorporated

Crypto “investment bank”

Tokenization platform

Asset-backed ITOs*

*Initial Token Offerings

Open Asset Foundation

Society for liquidity protocol formation: new standard in assets tokenization, origination and trading

Group *

CONTACTS

Constantine Kurbatoff

+1 347 463 8492 Headquarter at:

200 Liberty Street, 30th Fl

New York NY 10281 United States

kk@bankex.com t.me/bankex bankex.com

Contacts

Chief Blockchain Strategy officer