TiempoCash is a proposed mobile money remittance service that would allow US Hispanics to send money to Mexico commission-free by monetizing their prepaid wireless minutes. It addresses the needs of millions of US Hispanics who want cheaper wireless plans and a more convenient way to send money to Mexico. The service would partner with America Movil's prepaid wireless brands to offer exclusive plans incorporating the remittance feature. Users would be able to transfer minutes to the TiempoCash app, which would convert them to pesos and deposit them into recipient accounts in Mexico via partnerships with banks and payment providers. The founders believe this innovative model could build strong customer loyalty while facing little competition.

1. TiempoCash
“Time = Mobile Money”
February 2016
EXECUTIVE SUMMARY
SM
Proprietary and Confidential. Patents Pending.

2. TiempoCash
Why?
What?
How?
 Millions of U.S. Hispanics of Mexican Origin [HMO] want better
prepaid wireless plans and handsets
 Up to 20 million HMOs eagerly seek a cheaper, more convenient
way to send money to Mexico – $27 billion in 2015
 America Móvil’s Net 10 and Straight Talk brands are aggressively
seeking stickier relationships with wealthier unbanked U.S. HMO
prepaid subscribers
 TiempoCash is a smart product that allows U.S. HMOs to remit
money to Mexico commission-free as part of exclusive America
Móvil wireless plans. Addresses three pressing needs!
 TiempoCash’s mobile app monetizes wireless carrier voice
minutes as stored-value remittances, which are converted into
local foreign currency (Mex$)

3. U.S. Market Opportunity – 2016
TiempoCash
HMO Prepaid
Wireless Remitters
to Mexico:
20 Million
Total
U.S.
HMO
Population:
36 Million*
TiempoCash
Target Market
• 20M prepaid
HMO wireless
subscribers who
remit money to
Mexico
• $10B in annual
prepaid wireless
plan revenue.
Annual ARPU:
>$500
• $22B remitted
annually
• $325 average
transaction; 10-
12x annually*35% first generation
Prepaid HMO
Wireless
Subscriptions:
32 Million

4. U.S. Market Landscape
Major Carrier Wireless Subscribers & Quarterly Churn
TiempoCash
4.2%
5.0%
5.0%
4.8%
4.1%
0.0%
1.0%
2.0%
3.0%
4.0%
5.0%
6.0%
0
20
40
60
80
100
120
AT&T Sprint T-Mobile Tracfone
(America
Movil)
Verizon
Contract Prepaid Quarterly Prepaid Churn
America Móvil
brands own
~50+% of U.S.
HMO prepaid
market: 25M total
subscribers; $25
monthly ARPU.
Data as of CQ2’15
Millions

5. Mexico Market Opportunity – 2016E
TiempoCash
• 120 million prepaid subscribers: 90%
of total wireless subscriptions
– 88% wireless penetration
– 39% smartphones
• 60 million belong to America Móvil
(Telcel)
• US$ 3+ billion in new annual prepaid
wireless subscription revenue
• Telcel offers best coverage, contract
plans, incentives and handsets
• America Móvil has 2-3 year lead on
AT&T in maximizing Mexico market
and cementing lead in U.S. prepaids
America
Movil
70%
Movistar
18%
Iusacell
8%
Nextel
4%
AT&T
Mexico
12%
Carrier Market Share

6. Market Landscape:
U.S. HMO Remittances to Mexico
TiempoCash
0%
20%
40%
60%
80%
100%
Remittances by Dollar Volume
Money Transfer Company Banks Online Other
• $29B in 2016E
• 97% via legacy money
transfer models
• 80% from un- and under-
banked U.S. remitters
• Average annual transaction
volume (2015E): $3,500 per
remitter
 10+ transactions/year @
$325/transaction
• Average fees: commission
plus FOREX: $10-$20 per
transaction

7. HMO Subscriber Value Proposition:
60% less per month for TiempoCash’s life-changing benefits
TiempoCash
Old Model
TiempoCash Model
COST
• Prepaid phone, plan &
pre-paid minutes
• $300 - $1,000
annually
• Remittance, check-
cashing & top-up fees
• $300 annually
~$80/month
• “Dumber” handset;
limited Internet access
COST
• Prepaid phone & plan
• $600
• Remittance fees
• $0
~$50/month
• Better voice plans;
data options;
smartphone and
Internet access
Money Transfer
Agent/Bank
U.S. MEX
OR
Exclusive U.S. Carrier
Partner
Provisional Patent-Pending: : 62/173320

8. The Market Needs TiempoCash
America Móvil
 Focus group suggest immediate jump
in U.S. HMO prepaid customer base
 Creates and owns new remittance
transfer channel
 Zero to minimal compliance burden
 New cross- and upselling avenues
within stickier cross-border customer
relationships
 High-profile financial inclusion
benefits
TiempoCash
TiempoCash meets critical needs of America Móvil and HMO consumer
HMO Prepaid Subscriber
 Commission-free mobile
remittances via smartphone
 Superior prepaid plan
• Includes smartphone/4GLTE
• Better, cheaper plans for calls and
texts between U.S. - Mexico
 Check-scanning feature in app: No
visits and commissions to check-
cashing or U.S. MTOs
 Biometric capability

9. 3) U.S. customer transfers
minutes to TiempoCash via
proprietary app
1) U.S. prepaid
customer signs up for
TiempoCash prepaid
account with America
Movil subsidiary, e.g.,
Net 10 and/or Straight
Talk and purchases
minutes
2) Carrier
credits U.S.
customer
account with
equivalent
minutes
through
TiempoCash
5) Mexico customer
receives Mex$ at
bank/payout
partner location via
TiempoCash app or
SMS message
6) TiempoCash pays
commission to
payout partner
after funds are
disbursed
TiempoCash
Provisional Patent-Pending: 62/173320
4) TiempoCash
converts minutes
to Mex$ and
credits Mexico
TiempoCash
prepaid or contract
subscriber with
Telcel
Mex$

10. Technology
App architecture/flow and stored-value
remittance and conversion model
Included are:
– Wires, spec doc and DB schema / API Docs
– Check-scanning feature
– Security, transparency and compliance built-ins
TiempoCash
Utility Patents Pending

11. Competition
• No direct competitors offer commission-free transfers by
monetizing mobile minutes as stored-value remittances
• Indirect Competitors
– Bank & Agent-based MTO (Western Union, et. al.) – 97% of
market
– Online and mobile money transfer – 3%
• Xoom
• MoneyGram.com
• Western Union.com
• Our biggest competitor is status quo!
• We provide incentives to change HMO prepaid wireless and
money transfer consumer behavior
TiempoCash

12. Competitive Advantages
• Unique model with unique value proposition
– Incentivizes HMO prepaid subscriber migration with no-cost remittances
• Remittance model minimizes America Móvil compliance obligations
• First to market will build and sustain brand loyalty, financial inclusion
– Ancillary marketing opportunities for carrier and benefits for HMO consumer
• Barriers to Entry
– Top-rated carrier partners and plans will deter competition
– Carriers won’t build themselves – won’t become Money Services Business
(MSB)
– IP Protection: Business Method & Utility Patents Pending
• Scalable to all developing countries
– $55B+ in 2015E U.S. remittance outflows to developing countries
– $450B in 2015E global remittances to developing countries
TiempoCash

13. Current TiempoCash Team
• TBD – Chief Compliance Officer
– Top industry compliance “guru”
prepared to accept post-funding
offer.
• Larry Delaney – Co-Founder & CEO
– Experienced strategic Investor
Relations counsel with extensive
public company and private equity
experience.
TiempoCash
• Elias Mercado – Co-Founder & COO
– 20-years’ experience in money transfer,
telecom and emerging markets. Former
Head of Sales and Agent Network
Management at Ria Financial. Former
COO, Transnetwork, provider of solutions
for mobile money services. VP Business
Development, Western Union/FDC.
• TBD – Chief Technology Officer

14. Lawrence Delaney, Jr. – Co-Founder
Elias Mercado – Co-Founder
714-734-5142
ldelaney@tiempocash.com
TiempoCash