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CORPORATE PRESENTATION
An integrated platform for digital
ļ¬nancial services
December 2021
This Presentation (the ā€œPresentationā€) contains sensitive business and
ļ¬nancial information. It is being delivered on behalf of the Company by
Boustead Securities, LLC (ā€œBSLā€). The sole purpose of this Presentation is to
assist the recipient in deciding whether to proceed with a further inquiry of
the Company. This Presentation does not purport to be all-inclusive or to
necessarily contain all the information that a prospective investor may desire
in evaluating a possible business transaction with the Company.
By accepting this Presentation, the recipient agrees to keep conļ¬dential the
information contained herein or made available in connection with any
further inquiry of the Company. This Presentation may not be photocopied,
reproduced or distributed to others at any time without the prior written
consent of Boustead Securities, LLC. Upon request, the recipient will promptly
return all materials received from the Company or BSL (including this
Presentation) without retaining any copies thereof, all in accordance with the
Conļ¬dentiality Agreement.
This Presentation has been prepared for informational purposes relating to
this transaction only and upon the express understanding that it will be used
only for the purposes set forth above. Neither the Company nor BSL makes
any express or implied representation or warranty as to the accuracy or
completeness of the information contained herein or made available in
connection with any further investigation of the Company. Each of the
Company and BSL expressly disclaims any and all liability which may be based
on such information, errors therein or omissions there from. The recipient
shall be entitled to rely solely on the representations and warranties made to
it in any deļ¬nitive agreement and the due diligence that recipient conducts.
In furnishing this Presentation, neither the Company nor BSL undertakes any
obligation to provide the recipient with access to any additional information.
This Presentation shall neither be deemed an indication of the state of aļ¬€airs
of the Company nor constitute an indication that there has not been any
change in the Company or aļ¬€airs of the Company since the date hereof, nor
an indication that BSL has performed any due diligence on the Company or its
aļ¬€airs.
This Presentation does not constitute an oļ¬€er to sell or solicitation of an oļ¬€er
to buy securities in any jurisdiction where, or to any person to whom, it is
unlawful to make such oļ¬€er or solicitation in such jurisdiction. Investments in
private placements may be illiquid, highly speculative and you may lose your
entire investment.
This Presentation includes certain statements, estimates and projections with
respect to the anticipated future performance of the Company. Such
statements, estimates and projections are based on signiļ¬cant assumptions
and subjective judgment concerning anticipated results. These assumptions
and judgments are inherently subject to risks, variability and contingencies,
many of which are beyond the Companyā€™s control. These assumptions and
judgments may or may not prove to be correct and there can be no assurance
that any projected results are obtainable or will be realized. Actual results
likely will vary from those projected, and such variations may be material. In
addition, this Presentation does not describe certain risks associated with the
Companyā€™s business. All communications or inquires relating to the Company
or this Presentation should be directed to the representative of Boustead
Securities, LLC. No personnel at the Company may be contacted directly
unless expressly permitted by BSL Ā© 2021 All rights reserved.
Disclosures
Boustead Securities, LLC is registered with the Securities and Exchange Commission (SEC) as a broker-dealer and is a member of the Financial Industry Regulatory Authority
(FINRA) and the Securities Investor Protection Corporation (SIPC). Brokerage and investment advisory services and fees diļ¬€er and it is important for you to understand these
diļ¬€erences. Free and simple tools are available to research ļ¬rms and ļ¬nancial professionals at Investor.gov/CRS, which also provides educational materials about
broker-dealers, investment advisers, and investing. When we provide you with a recommendation, we have to act in your best interest and not put our interest ahead of
yours. At the same time, the way we make money creates a conļ¬‚ict with your interests. Please strive to understand and ask us about these conļ¬‚icts because they can aļ¬€ect
the recommendations we provide you. There are many risks involved with investing. For Boustead Securities customers and clients, please see our Regulation Best Interest
Relationship Guide on the Form CRS Reg BI page on our website at https://www.boustead1828.com/form-crs-reg-bi. For FlashFundersā€™ visitors, you may review the Form CRS
of Boustead Securities under the Form CRS section. Please also carefully review and verify the accuracy of the information you provide us on account applications,
subscription documents and others.
Risk Disclaimer for Supplemental Oļ¬€ering Materials Based on FINRA Investor Alert Regarding Private Placement Risks
This is a private oļ¬€ering not registered with the United States Securities and Exchange Commission or any state. The company selling these securities is a private company,
not a public company. These two factors mean that: (a) there is limited information available to you before you make an investment decision and, should you invest, during
your investment to keep informed about the status of the company; and (b) the securities being oļ¬€ered are restricted from transfer and resale by you and there is no public
market in which you may sell the securities. The company selling these securities has no obligation to buy them back from you or to pay you any distributions or dividends.
You must be an accredited investor to invest in this oļ¬€ering. You must be able to absorb a loss of your entire investment or potentially have your money tied up for a long
time. This investment involves signiļ¬cant risks, particularly with respect to economic risks speciļ¬c to the companyā€™s business. A Private Placement Memorandum (the
ā€œMemorandumā€) accompanies this material. Do not invest before you read the entire Memorandum and pay particular attention to the ā€œRisk Factorsā€ section of the
Memorandum. Seek independent professional advice before investing from your legal or ļ¬nancial advisors.
Cautionary Statement Concerning Forward Looking Statements
This document contains forward-looking statements. In addition, from time to time, we or our representatives may make forward-looking statements orally or in writing. We
base these forward-looking statements on our expectations and projections about future events, which we derive from the information currently available to us. Such
forward-looking statements relate to future events or our future performance, including: our ļ¬nancial performance and projections; our growth in revenue and earnings; and
our business prospects and opportunities. You can identify forward-looking statements by those that are not historical in nature, particularly those that use terminology such
as ā€œmay,ā€ ā€œshould,ā€ ā€œexpects,ā€ ā€œanticipates,ā€ ā€œcontemplates,ā€ ā€œestimates,ā€ ā€œbelieves,ā€ ā€œplans,ā€ ā€œprojected,ā€ ā€œpredicts,ā€ ā€œpotential,ā€ or ā€œhopesā€ or the negative of these or similar
terms. In evaluating these forward-looking statements, you should consider various factors, including: our ability to change the direction of the Company; our ability to keep
pace with new technology and changing market needs; and the competitive environment of our business. These and other factors may cause our actual results to diļ¬€er
materially from any forward-looking statement. Forward-looking statements are only predictions. The forward-looking events discussed in this document and other
statements made from time to time by us or our representatives, may not occur, and actual events and results may diļ¬€er materially and are subject to risks, uncertainties
and assumptions about us. We are not obligated to publicly update or revise any forward-looking statement, whether as a result of uncertainties and assumptions, the
forward-looking events discussed in this document and other statements made from time to time by us or our representatives might not occur.
Disclosures
Boustead Securities, LLC is registered with the Securities and Exchange Commission (SEC) as a broker-dealer and is a member of the Financial Industry Regulatory Authority (FINRA) and the
Securities Investor Protection Corporation (SIPC). Brokerage and investment advisory services and fees diļ¬€er, and it is important for you to understand these diļ¬€erences. Free and simple
tools are available to research ļ¬rms and ļ¬nancial professionals atĀ Investor.gov/CRS, which also provides educational materials about broker-dealers, investment advisers, and investing.
When we provide you with a recommendation, we have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates a conļ¬‚ict with
your interests. Please strive to understand and ask us about these conļ¬‚icts because they can aļ¬€ect the recommendations, we provide you. There are many risks involved with investing. For
Boustead Securities customers and clients, please see our Regulation Best Interest Relationship Guide on the Form CRS Reg BI page on our website
atĀ https://www.boustead1828.com/form-crs-reg-bi. For FlashFundersā€™ visitors, Ā you may review the Form CRS of Boustead Securities under the Form CRS section.
Early-Stage Company with History of Net Losses
The Company has incurred net losses since inception, and management expects to continue to incur additional losses. The Company expects to continue to devote substantially all of the
Companyā€™s resources to the development of its products and software as well as costs associated with market introduction and penetration. These eļ¬€orts may prove more expensive than
the Company currently anticipates and the Company may not succeed in increasing revenue suļ¬ƒciently to oļ¬€set these higher expenses or at all. In addition, the Company expects to incur
legal, accounting and other expenses that it has not incurred to date as it hires employees, undertakes commercialization eļ¬€orts and expands its business. Accordingly, the Company cannot
assure the investors that the Company will achieve proļ¬tability in the future or that, if the Company does become proļ¬table, the Company will sustain proļ¬tability..
Factors Causing Results to Fluctuate
The Company may experience delays in its initial revenue generation and signiļ¬cant ļ¬‚uctuations in its operating results, revenue and proļ¬ts over time due to uncertainty in demand for the
Companyā€™s products, and various other factors, including:
ā— Extent of market acceptance of the Companyā€™s products;
ā— The Companyā€™s ability to attract new customers and expand business;
ā— The Companyā€™s ability to predict change in the competitive environment;
ā— The amount and timing of costs and expenses related to the maintenance and expansion of the business;
ā— General economic, industry and market conditions;
ā— The regulatory environment;
ā— The hiring, training and retention of key employees;
ā— Any unforeseen litigation against the Company;
ā— The Companyā€™s ability to obtain additional ļ¬nancing; and
ā— Advances and trends in new technologies and industry standards that render the Companyā€™s products obsolete.
Risk Factors / Form CRS
TRADITIONAL BANKS ARE BEING
DISRUPTED BY DIGITAL ALTERNATIVES
Digital-only bank account
holders in the US by 2024
Growing consumer usage of
smartphones for purchases and
mobile ļ¬nancial services
47M(2)
Banks are pursuing options to
extend their reach to the
underbanked and expand their
service oļ¬€erings by partneringĀ 
of all bank
revenues could
be at risk from
more tech-savvy
competitors
CARDS GOING DIGITAL in LATIN AMERICA(3)
35%(2) 47.7B
USD
71%
29%
Debit Cards
Credit Cards
Consumer credit
portfolio
02
Digital payments in the Americas are
$1.6T(1)
Source: 1. Statista 2. Insider Intelligence 4. Central Bank of Mexico (www.banxico.org.mx)
Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective will be achieved. Investments
may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures at the beginning.
WHO WE ARE
A Fintech company providing a SaaS platform enabling enterprises
to oļ¬€er digital ļ¬nancial products, services and access to credit.
ā€¢ Integrated one-stop-shop platform connecting an ecosystem of service
providers oļ¬€ering ļ¬nancial services that require processing and network
management
ā€¢ Portfolio of products requiring payment management and processing
including prepaid cards and digital subscriptions, bill payments, and cross
border remittances
ā€¢ Omnichannel acceptance through mobile, web, POS, and self-service kiosks
ā€¢ Veriļ¬cation and authentication solutions along with fraud, compliance, and
risk management
ā€¢ Global capabilities with initial focus on the underbanked in Mexico and the
Hispanic population in the USA, and speciļ¬c management expertise in the
Mexico-USA corridor
06
For illustrative purposes only. Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective
will be achieved. Investments may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures
at the beginning.
INVESTMENT HIGHLIGHTS
SCALABLE
PLATFORM
Highly scalable SaaS
transaction platform
addressing multiple
large industry verticals
and high volume
omnichannel
applications
CENTRALLY
POSITIONED
Positioned as the
central exchange
network that connects
all parties of the
ļ¬nancial transaction to
an integrated and
expanding proprietary
ecosystem
COMPETITIVE
ADVANTAGE
Establishing a unique
competitive moat with
organizations serving
the underbanked and
unbanked Mexican and
Hispanic population
GROWTH
ACCELERATION
Accelerating growth
and proļ¬tability
through expansion into
higher margin digital
lending and ļ¬nancial
services plus strategy
of acquisitions
DIGITAL BANKING
Banking license
acquisition enables
digital lending and
international
transactions, and
increases capacity for
higher margin business
07
Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective will be achieved. Investments
may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures at the beginning.
OUR DIGITAL ECOSYSTEM OF
INTEGRATED SOLUTIONS
ā€¢ Cloud-based platform providing end-to-end B2B2C SaaS
solutions for ļ¬nancial transactions
ā€¢ Generating incremental revenue opportunities for
enterprises through digital sales channels
ā€¢ Connections to over 16 million consumers through multiple
point-of-sale channels and application interfaces
ā€¢ Aggregation of bill payment services and registry of major
gift cards with a digital catalogue of over 5,000 products
ā€¢ Expanding into Lending-as-a-Service solutions
Discounts & Gift
Cards
Credit Cards
E-Wallet
Engagement
Loans
Catalog of Digital
Products
Collections
Center
Bill Payments
Cloud Onsite
Data Analytics
Spending
Processor POS
Online Processing
Note: (1) Future deployments expected
(1)
(1)
(1)
08
Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective will be achieved. Investments
may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures at the beginning.
STRONG AND DISRUPTIVE BUSINESS MODEL
Years of creating partner connections
and relationships has established a
diļ¬ƒcult to replicate proprietary
ecosystem for the underbanked
BARRIERS TO ENTRY
High volume transaction capacity
allows for higher asset turnover rates
and operating leverage beneļ¬ts
ECONOMIES OF SCALE
Technology can be extended to
additional industry verticals,
geographic markets, and
applications
SCALABLE PLATFORM
Merchants, ļ¬nancial institutions, service
providers, and other organizations can
expand solutions and/or revenue
opportunities as network beneļ¬ts increase
with more and more partners
VIRTUOUS VALUE CYCLE
New partners can be onboarded into the
entire ecosystem and full suite of solutions
with one integration at minimal eļ¬€ort and cost
LOW-COST SPEED TO MARKET
5
1
2 4
3
09
Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective will be achieved. Investments
may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures at the beginning.
RECENTLY ADDED CLIENTS
WITH HIGH VOLUME POTENTIAL
SaaS model jointly with
Blackhawk for 11 million
customers in BBVA APP.
SaaS model and APP for
50,000+ customers.
SaaS model for current 2.3
million customers.
SaaS model for 100,000+
customers.
SaaS model for 1,600 gas stations
nationwide.
SaaS model for 2,400 locations
nationwide.
010
Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective will be achieved. Investments
may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures at the beginning.
STRATEGIC ROADMAP
2017
SOFTWARE
LAUNCH
ā€¢ Canada-
Developed
B2C App
ā€¢ Mobile
Wallet
2019-2020
MEXICO
LAUNCH
ā€¢ Establish
B2B SaaS
Ecosystem
ā€¢ Kiosks
ā€¢ Lending
License
ā€¢ SOFOM
2021
SECURING THE
FUTURE
ā€¢ Enterprise
B2B Contracts
ā€¢ Product
Development
ā€¢ Completed
$40M Sales
ā€œB2C- Mexico
asset acquisitionā€
2022
IPO LISTING
ā€¢ Targeting an IPO
in the U.S.
ā€¢ Capital Raise
ā€¢ Target a Bank
License for
acquisition
2022
LENDING AS A
SERVICE LAUNCH
ā€¢ B2B Credit
Financing
ā€¢ B2C Credit Card
Programs
ā€¢ Payroll Deduction
Loans
>2023
USA
CROSS-BORDER
LAUNCH
ā€¢ Establish Banking
for USA
Cross-Border
Launch
ā€¢ M & A Target
Acquisitions
>2023
GEOGRAPHIC
EXPANSION
ā€¢ Latin America
ā€¢ Other Regions
ā€¢ Increase Credit
portfolio for
Banking
ā€¢ Facilitate
Lending
platform
Sustainable momentum in a growing market
011
Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective will be achieved. Investments
may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures at the beginning.
FINANCIAL EXCLUSION HAS
HUMANITARIAN & SOCIAL
CONSEQUENCES
ā€¢ restricts income earning potential
ā€¢ adds ļ¬nancial risk and inability to absorb economic shocks
ā€¢ credit constrained individuals can not take advantage of
growth opportunities
ā€¢ families are unable to invest in health and education
ā€¢ businesses struggle to expand and create jobs
ā€¢ communities and the broader economy suļ¬€er from less
development
Source: World Bank, Federal Reserve Bank of Dallas
10
012
Past performance is not indicative of future results. There is no guarantee that any speciļ¬c
objective will be achieved. Investments may be illiquid, highly speculative and there is risk of the
total loss of your investment. See disclosures at the beginning.
NEWT IS ENABLING
FINANCIAL INCLUSION
THROUGH DIGITAL
FINANCE
ā€¢ Newt helps the underbanked transact with employers,
merchants, ļ¬nancial institutions, utility companies, and other
organizations
ā€¢ Newt provides a fairer, faster, accessible platform that
reshapes the way businesses and consumers save and move
money and conduct commerce
ā€¢ Providing convenient and easily accessible digital payment
services and products serves as a gateway to other ļ¬nancial
services for the underbanked consumer and small to
medium sized enterprises that lack access to traditional
ļ¬nancing
13
Past performance is not indicative of future results. There is no guarantee that any speciļ¬c
objective will be achieved. Investments may be illiquid, highly speculative and there is risk of the
total loss of your investment. See disclosures at the beginning.
SERVING THE UNDERBANKED
A STORY OF BETTER OUTCOMES
M. Hernandez is a teacher in
the public school system
ā€¢ Paid cash every 2 weeks
ā€¢ Lives paycheck to paycheck
BEFORE NEWT
ā€¢ Burdened with extra time spent cashing
paychecks and managing cash
ā€¢ Savings and safety at risk without digital
store of value for monetary assets
ā€¢ Is not able to build a credit score and has
no access to traditional credit
ā€¢ Moving money to and from family is
diļ¬ƒcult or expensive
ā€¢ Convenient solution for receiving pay and
making purchases and payments
ā€¢ Better and safer method of saving
ā€¢ Develops a credit score, gains access to
credit and obtains better interest rates
ā€¢ Can move money easily to and from
family including cross-border
ā€¢ With more time and access to ļ¬nancing,
she and her family have more options to
improve their lives
14
AFTER NEWT
Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective will be achieved. Investments
may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures at the beginning.
MARKET FOCUS ON THE UNDERBANKED
Unbanked
65%
$40 Billion
Remittance
65% (1)
Smartphones
MEXICO
90% of transactions in Mexico are in cash (2)
65% of the adult population in Mexico is unbanked (2)
USA
MEXICO
Sources: 1. Statista 2. Federal Reserve Bank of Dallas 3. Reuters 4. Federal Reserve
ā€¢ Expanding the ecosystem in the USA leveraging the Hispanic
population and cross-border transactions as a beachhead
into the unbanked
ā€¢ Initial buildout of partner distribution network and product
rollout in Mexico where demand for digital ļ¬nance is early
stage but growing signiļ¬cantly
$40 Billion sent from the United States to Mexico in 2020,
making it the largest remittance market in the world (3)
22% or 55 million adult Americans are either unbanked or
underbanked (4)
15
For illustrative purposes only. Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective
will be achieved. Investments may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures
at the beginning.
ADDRESSABLE MARKETS IN THE AMERICAS
Digital Payments Neobanking
Total Addressable Market
$3.2T
Note: Figures are in US Dollars; Sources: 1. ResearchandMarkets 2. Statista
Prepaid Cards
$620B(1)
$1.6T(2)
$1.0T(2)
16
Financial numbers are estimated, unaudited and subject to change. Past performance is not indicative of future results. There is no
guarantee that any speciļ¬c objective will be achieved. Investments may be illiquid, highly speculative and there is risk of the total
loss of your investment. See disclosures at the beginning.
PAYMENT
GATEWAY
Omnichannel access for
consumers
Range of digital payment
solutions for consumers
White-label solutions for
enterprises
Distribution channel for
enterprises
POINT
OF SALE
LENDING AS
A SERVICE
Branded self-service
cash capable kiosks
Cash capable partner
point of sale network
Credit ļ¬nancing for
SMEs
Payroll loans for
consumers
BANKING
ā€œLICENSEā€
Plans to acquire a
banking license
Transformation into a
hybrid digital bank ā€“
ļ¬nancial technology
company
NEWTā€™S BUSINESS LINES
17
PAYMENT
PLATFORM
Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective will be achieved. Investments
may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures at the beginning.
OMNICHANNEL PAYMENT PLATFORM
CAPTURES CUSTOMERS
ā€¢ Newtā€™s cloud-based SaaS platform provides end-to-end
payment solutions and processing
ā€¢ Enables bill payments, prepaid cards, digital subscriptions,
cross-border remittances, and a range of domestic and
international payment solutions
ā€¢ Consumers can access payment options through diļ¬€erent
devices and interfaces including web, mobile, POS, and
self-service kiosks
ā€¢ A single all-in-one omnichannel platform to manage
payments and access ļ¬nancial services creates convenience
and value for the consumer
18
For illustrative purposes only. Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective
will be achieved. Investments may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures
at the beginning.
PAYMENT GATEWAY
OPENS DISTRIBUTION
CHANNELS
ā€¢ Retail enterprises, telecom and utility companies,
ļ¬nancial institutions, and governments can receive
payments and access consumers
ā€¢ Newt adds value to organizations with a white label
solution for digital wallet, prepaid products, and
ļ¬nancial services
ā€¢ The B2B2C network creates a marketplace with
seamless provision and access to a range of ļ¬nancial
services
Catalog of
Digital
Products
Discounts and
Gift Cards
Credit Cards
E-Wallet
Engagement
Loans
Data
Analytics
Spending
Collections
Center
Bill Payments
Cloud Onsite
Processor
POS
Online
Processing
19
For illustrative purposes only. Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective
will be achieved. Investments may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures
at the beginning.
KIOSKS WITH CASH LOADING
CAPABILITY ARE A CRITICAL
ACCESS CHANNEL
FOR INCLUSION AND CONVERSION TO DIGITAL FINANCE
ā€¢ The unbanked and underbanked require convenient access to a digital
payment ecosystem initiated or complemented by a local physical access
point
ā€¢ Kiosks are a beachhead strategy that enable penetration into the unbanked
market and contribute to expansion in addressable markets
Sources: 1. Digitizing Payments in Latin America, published by PYMNTS 2. McKinsey & Co, US Digital Payments: Achieving the Next
Phase of Consumer Engagement
Digital Payment
Solutions
Digital Financial
Services
Market Expansion
In Latin America, building out infrastructure to support payment tools and supporting
localized payment types is key to success. (1)
In the U.S., some systemic barrier must be overcome to reach the remaining group
that donā€™t use digital payments.ā€ (2)
20
ā€œ
ā€œ
ā€
ā€
Past performance is not indicative of future results. There is no guarantee that any speciļ¬c
objective will be achieved. Investments may be illiquid, highly speculative and there is risk of the
total loss of your investment. See disclosures at the beginning.
UNIQUE CUSTOMER ACQUISITIONS
FROM BRANDED
SELF SERVICE KIOSKS
ā€¢ Converts cash-based consumers to digital ļ¬nance with cash loading capability
ā€¢ Extends the network of unique access points for consumers into the Newt
ecosystem
ā€¢ Captures new localized consumers previously not using or underusing digital
ļ¬nancial services
ā€¢ Expands the reach of partners and their products to end consumers
ā€¢ Provides retailers with revenue share opportunities, attracts increased foot traļ¬ƒc
to their locations and streamlines checkout operations and related costs
ā€¢ Drives more volume over the Newt network
21
For illustrative purposes only. Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective
will be achieved. Investments may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures
at the beginning.
NEWTā€™S CASH CAPABLE
PARTNER POS NETWORK
Kiosks in 120 Locations
Existing B2B2C
POS Locations
(90,000)
Newtā€™s integration with Green
Dot extends reach to 100,000
merchant point of sale
locations
22
OUR EXISTING
MEXICO CASH NETWORK
For illustrative purposes only. Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective
will be achieved. Investments may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures
at the beginning.
ā€¢ Financial inclusion for underbanked as they gain access to credit
ā€¢ Payroll deposits and payday loans become readily available with use of a card
controlled through Newtā€™s application
ā€¢ Facilitates the cross-border movement of money between residents with personal
relationships
ā€¢ Merchants gain access to ļ¬nancing tied to sales processed through point- of-sale
kiosks
ā€¢ Nearly instant underwriting through digital veriļ¬cations
MERCHANTS
ā€¢ Banking license meets regulatory requirement that facilitates expansion into credit
granting and loan ļ¬nancing, credit card products, international credit, factoring,
and cross border remittances
ā€¢ Strengthens the business model beyond competing solely on the technology stack
ā€¢ Newt retains high margin credit ļ¬nancing business for the underbanked
ā€¢ Coupling of merchant ļ¬nancing with merchant revenue generated from the kiosk
creates incentive for merchants to maintain loan payments and reduces the risk of
loan default
NEWT
UNDERBANKED MERCHANTS
NEWT
DIGITAL BANKING
FILLS THE CREDIT ACCESSIBILITY GAP
UNDERBANKED
Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective will be achieved. Investments
may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures at the beginning.
LENDING AS A SERVICE
ā€¢ NEWTā€™s proposed Lending as a Service solution incorporates all its
technological and product capabilities into a unique oļ¬€ering for business
and government entities oļ¬€ering credit
ā€¢ Leveraging its own SOFOM (regulated Mexican lending entity), its SaaS
payment gateway, and its soon to be launched debit card program,
NEWT can now provide its B2B partners with a comprehensive portfolio
of credit products:
ā€¢ Payroll Deduction Loan Funded by B2B partner
ā€¢ Short term loans guaranteed by B2B partner and funded by NEWT
ā€¢ Short term loan unguaranteed funded by NEWT
24
Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective will be
achieved. Investments may be illiquid, highly speculative and there is risk of the total loss of your investment.
See disclosures at the beginning.
OUR LENDING SOLUTIONS
IN DEVELOPMENT
LaaS cloud-based platform, combined with credit and collections, plans on
providing a full-scale FinTech banking solution for businesses.
ā€¢ Bin from Bank
ā€¢ ABC (Sponsor Bank) ā€“ Card Program Manager
ā€¢ Bank-to-Bank Ecosystem
Lending-as-a-Service (LaaS) provides ā€œtechnologyā€, instead of
ā€œfundsā€ directly to businesses and clients.
25
Past performance is not indicative of future results. There is no guarantee that any
speciļ¬c objective will be achieved. Investments may be illiquid, highly speculative and
there is risk of the total loss of your investment. See disclosures at the beginning.
OUR REVENUE MODEL
Transaction Fee
Processing
Rev Shares
Interest Rates
LaaS Revenue
Monthly Service Fee
Interest (Rev Share)
Transaction/ Fee Revenue
SAAS PAYMENT SOFTWARE
Transaction Fee
Processing
Setup Fees
2.5-6%
Margins on Gross Revenue
(LTM 2021)
3-5 year +
Average contract
SaaS Revenue
ā€¢ Monthly Customers
ā€¢ Product & Services
+ + =
+ + =
LAAS PAYMENT SOFTWARE
26
Financial numbers are estimated, unaudited and subject to change. Past performance is not indicative of future results. There is no
guarantee that any speciļ¬c objective will be achieved. Investments may be illiquid, highly speculative and there is risk of the total
loss of your investment. See disclosures at the beginning.
SALES POISED
FOR CONTINUED GROWTH
ā€¢ Increasing number of banks
and network partners on the
platform
ā€¢ Rollout of kiosk points of sale
ā€¢ Expansion into the USA
ā€¢ Addition of LaaS business
ā€¢ Network eļ¬€ects driving greater
transaction processing volumes
ā€¢ Accretive acquisitions
GROWTH DRIVERS
27
M
M
M
Financial numbers are estimated, unaudited and subject to change. Past performance is not indicative of future results. There is no
guarantee that any speciļ¬c objective will be achieved. Investments may be illiquid, highly speculative and there is risk of the total
loss of your investment. See disclosures at the beginning.
USE OF FUNDS
28
Use of Proceeds
OPEX $2,300,000
ACQUISITION ~$2,150,000
TECHNOLOGY DEV $1,800,000
MARKETING & SALES $1,500,000
G & A ~$2,795,000
CAPEX $3,600,000
OPEX LAAS ~$3,241,000
BANKING LICENSE ~$ 4,500,000
Total Equity $21,886,000
SOFOM (Debt) DSO $5,000,000
Financial numbers are estimated, unaudited and subject to change. Past performance is not indicative of future results. There is no
guarantee that any speciļ¬c objective will be achieved. Investments may be illiquid, highly speculative and there is risk of the total
loss of your investment. See disclosures at the beginning.
MANAGEMENT TEAM
Steven Hoļ¬€mann
Founder of Newt Corp, Entrepreneurial & Financial
16 yrs experience. Founder of Fintech, Financial,
Renewable Energy, Mobile Encryption & Battery
Storage. Served on various boards of private & public
companies.
CHAIRMAN OF THE BOARD & CEO
Sergio Maya
Founder of 10VIA Corporation
20+ years experience in ļ¬nancial sector. Former CFO
for Interjet Airlines serves on boards of private &
public corps. Worked in major companies as Televisa
DTH, DESC, Holcim. Former Secretary of Finance for
a state Government in Mexico.
CEO LATIN AMERICA
Nathan Barotz
GENERAL COUNSEL NORTH AMERICA
Law ļ¬rm as well as in-house experience. United States
Certiļ¬ed Information Privacy Professional (CIPP/US).
Admitted to practice in the states of New York and
Connecticut as well as the United States Supreme
Court and District Courts.
Diego Bravo
An undergrad in mechanical engineering at Universidad
de MĆ©xico, he specialized in mechanical design and then
become a project manager at a consumer products
corporative. Afterwards, he founded his own company
with his brother and specialized in ļ¬nance planning for 8
years.
COO Mexico
29
Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective will be achieved. Investments
may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures at the beginning.
BOARD OF DIRECTORS & ADVISORS
Elaine Arozarena
30+ years of global business experience throughout
Europe and the Americas. Iberian Peninsula Head at
Korn Ferry, LATAM Regional Head at Dun &
Bradstreet, currently President & Founder of Global
Strategic Advice Services.
ADVISOR MEMBER
R. Scott Zimmer
30+ years in Enterprise Technology
Former Director of Dish USA, Next Gen Satellites and
EchoStar Satellite Corp.
President of EchoStar International
Consultant for CCT, China Communications
Technology, and Sunbase Group
BOARD MEMBER
David M. Thompson
30+ years of ļ¬nancial experience
Founder of Sea Dragon Energy Inc. (TSX:V), CFO of
Aurado Energy, CFO of Forum Energy Corporation
(OTC) & Forum Energy Plc (AIM)
BOARD MEMBER
Olivier Trancart
Board Member of Netguardians.ch, board
membership roles in the area of sales and business
development, corporate development with fundraising
activities at Boost Suisse, and active in industrial
business development in emerging markets in
partnership with private entrepreneurs and family
oļ¬ƒces.
BOARD TECHNICAL ADVISOR
30
Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective will be achieved. Investments
may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures at the beginning.
CONNECT WITH US
@Get_Newt @Get_Newt @Get_Newt
info@getnewt.com www.newtļ¬nancial.com
Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective will be achieved. Investments
may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures at the beginning.

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NEWT Investor Presentation 2022

  • 1. CORPORATE PRESENTATION An integrated platform for digital ļ¬nancial services December 2021
  • 2. This Presentation (the ā€œPresentationā€) contains sensitive business and ļ¬nancial information. It is being delivered on behalf of the Company by Boustead Securities, LLC (ā€œBSLā€). The sole purpose of this Presentation is to assist the recipient in deciding whether to proceed with a further inquiry of the Company. This Presentation does not purport to be all-inclusive or to necessarily contain all the information that a prospective investor may desire in evaluating a possible business transaction with the Company. By accepting this Presentation, the recipient agrees to keep conļ¬dential the information contained herein or made available in connection with any further inquiry of the Company. This Presentation may not be photocopied, reproduced or distributed to others at any time without the prior written consent of Boustead Securities, LLC. Upon request, the recipient will promptly return all materials received from the Company or BSL (including this Presentation) without retaining any copies thereof, all in accordance with the Conļ¬dentiality Agreement. This Presentation has been prepared for informational purposes relating to this transaction only and upon the express understanding that it will be used only for the purposes set forth above. Neither the Company nor BSL makes any express or implied representation or warranty as to the accuracy or completeness of the information contained herein or made available in connection with any further investigation of the Company. Each of the Company and BSL expressly disclaims any and all liability which may be based on such information, errors therein or omissions there from. The recipient shall be entitled to rely solely on the representations and warranties made to it in any deļ¬nitive agreement and the due diligence that recipient conducts. In furnishing this Presentation, neither the Company nor BSL undertakes any obligation to provide the recipient with access to any additional information. This Presentation shall neither be deemed an indication of the state of aļ¬€airs of the Company nor constitute an indication that there has not been any change in the Company or aļ¬€airs of the Company since the date hereof, nor an indication that BSL has performed any due diligence on the Company or its aļ¬€airs. This Presentation does not constitute an oļ¬€er to sell or solicitation of an oļ¬€er to buy securities in any jurisdiction where, or to any person to whom, it is unlawful to make such oļ¬€er or solicitation in such jurisdiction. Investments in private placements may be illiquid, highly speculative and you may lose your entire investment. This Presentation includes certain statements, estimates and projections with respect to the anticipated future performance of the Company. Such statements, estimates and projections are based on signiļ¬cant assumptions and subjective judgment concerning anticipated results. These assumptions and judgments are inherently subject to risks, variability and contingencies, many of which are beyond the Companyā€™s control. These assumptions and judgments may or may not prove to be correct and there can be no assurance that any projected results are obtainable or will be realized. Actual results likely will vary from those projected, and such variations may be material. In addition, this Presentation does not describe certain risks associated with the Companyā€™s business. All communications or inquires relating to the Company or this Presentation should be directed to the representative of Boustead Securities, LLC. No personnel at the Company may be contacted directly unless expressly permitted by BSL Ā© 2021 All rights reserved. Disclosures
  • 3. Boustead Securities, LLC is registered with the Securities and Exchange Commission (SEC) as a broker-dealer and is a member of the Financial Industry Regulatory Authority (FINRA) and the Securities Investor Protection Corporation (SIPC). Brokerage and investment advisory services and fees diļ¬€er and it is important for you to understand these diļ¬€erences. Free and simple tools are available to research ļ¬rms and ļ¬nancial professionals at Investor.gov/CRS, which also provides educational materials about broker-dealers, investment advisers, and investing. When we provide you with a recommendation, we have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates a conļ¬‚ict with your interests. Please strive to understand and ask us about these conļ¬‚icts because they can aļ¬€ect the recommendations we provide you. There are many risks involved with investing. For Boustead Securities customers and clients, please see our Regulation Best Interest Relationship Guide on the Form CRS Reg BI page on our website at https://www.boustead1828.com/form-crs-reg-bi. For FlashFundersā€™ visitors, you may review the Form CRS of Boustead Securities under the Form CRS section. Please also carefully review and verify the accuracy of the information you provide us on account applications, subscription documents and others. Risk Disclaimer for Supplemental Oļ¬€ering Materials Based on FINRA Investor Alert Regarding Private Placement Risks This is a private oļ¬€ering not registered with the United States Securities and Exchange Commission or any state. The company selling these securities is a private company, not a public company. These two factors mean that: (a) there is limited information available to you before you make an investment decision and, should you invest, during your investment to keep informed about the status of the company; and (b) the securities being oļ¬€ered are restricted from transfer and resale by you and there is no public market in which you may sell the securities. The company selling these securities has no obligation to buy them back from you or to pay you any distributions or dividends. You must be an accredited investor to invest in this oļ¬€ering. You must be able to absorb a loss of your entire investment or potentially have your money tied up for a long time. This investment involves signiļ¬cant risks, particularly with respect to economic risks speciļ¬c to the companyā€™s business. A Private Placement Memorandum (the ā€œMemorandumā€) accompanies this material. Do not invest before you read the entire Memorandum and pay particular attention to the ā€œRisk Factorsā€ section of the Memorandum. Seek independent professional advice before investing from your legal or ļ¬nancial advisors. Cautionary Statement Concerning Forward Looking Statements This document contains forward-looking statements. In addition, from time to time, we or our representatives may make forward-looking statements orally or in writing. We base these forward-looking statements on our expectations and projections about future events, which we derive from the information currently available to us. Such forward-looking statements relate to future events or our future performance, including: our ļ¬nancial performance and projections; our growth in revenue and earnings; and our business prospects and opportunities. You can identify forward-looking statements by those that are not historical in nature, particularly those that use terminology such as ā€œmay,ā€ ā€œshould,ā€ ā€œexpects,ā€ ā€œanticipates,ā€ ā€œcontemplates,ā€ ā€œestimates,ā€ ā€œbelieves,ā€ ā€œplans,ā€ ā€œprojected,ā€ ā€œpredicts,ā€ ā€œpotential,ā€ or ā€œhopesā€ or the negative of these or similar terms. In evaluating these forward-looking statements, you should consider various factors, including: our ability to change the direction of the Company; our ability to keep pace with new technology and changing market needs; and the competitive environment of our business. These and other factors may cause our actual results to diļ¬€er materially from any forward-looking statement. Forward-looking statements are only predictions. The forward-looking events discussed in this document and other statements made from time to time by us or our representatives, may not occur, and actual events and results may diļ¬€er materially and are subject to risks, uncertainties and assumptions about us. We are not obligated to publicly update or revise any forward-looking statement, whether as a result of uncertainties and assumptions, the forward-looking events discussed in this document and other statements made from time to time by us or our representatives might not occur. Disclosures
  • 4. Boustead Securities, LLC is registered with the Securities and Exchange Commission (SEC) as a broker-dealer and is a member of the Financial Industry Regulatory Authority (FINRA) and the Securities Investor Protection Corporation (SIPC). Brokerage and investment advisory services and fees diļ¬€er, and it is important for you to understand these diļ¬€erences. Free and simple tools are available to research ļ¬rms and ļ¬nancial professionals atĀ Investor.gov/CRS, which also provides educational materials about broker-dealers, investment advisers, and investing. When we provide you with a recommendation, we have to act in your best interest and not put our interest ahead of yours. At the same time, the way we make money creates a conļ¬‚ict with your interests. Please strive to understand and ask us about these conļ¬‚icts because they can aļ¬€ect the recommendations, we provide you. There are many risks involved with investing. For Boustead Securities customers and clients, please see our Regulation Best Interest Relationship Guide on the Form CRS Reg BI page on our website atĀ https://www.boustead1828.com/form-crs-reg-bi. For FlashFundersā€™ visitors, Ā you may review the Form CRS of Boustead Securities under the Form CRS section. Early-Stage Company with History of Net Losses The Company has incurred net losses since inception, and management expects to continue to incur additional losses. The Company expects to continue to devote substantially all of the Companyā€™s resources to the development of its products and software as well as costs associated with market introduction and penetration. These eļ¬€orts may prove more expensive than the Company currently anticipates and the Company may not succeed in increasing revenue suļ¬ƒciently to oļ¬€set these higher expenses or at all. In addition, the Company expects to incur legal, accounting and other expenses that it has not incurred to date as it hires employees, undertakes commercialization eļ¬€orts and expands its business. Accordingly, the Company cannot assure the investors that the Company will achieve proļ¬tability in the future or that, if the Company does become proļ¬table, the Company will sustain proļ¬tability.. Factors Causing Results to Fluctuate The Company may experience delays in its initial revenue generation and signiļ¬cant ļ¬‚uctuations in its operating results, revenue and proļ¬ts over time due to uncertainty in demand for the Companyā€™s products, and various other factors, including: ā— Extent of market acceptance of the Companyā€™s products; ā— The Companyā€™s ability to attract new customers and expand business; ā— The Companyā€™s ability to predict change in the competitive environment; ā— The amount and timing of costs and expenses related to the maintenance and expansion of the business; ā— General economic, industry and market conditions; ā— The regulatory environment; ā— The hiring, training and retention of key employees; ā— Any unforeseen litigation against the Company; ā— The Companyā€™s ability to obtain additional ļ¬nancing; and ā— Advances and trends in new technologies and industry standards that render the Companyā€™s products obsolete. Risk Factors / Form CRS
  • 5. TRADITIONAL BANKS ARE BEING DISRUPTED BY DIGITAL ALTERNATIVES Digital-only bank account holders in the US by 2024 Growing consumer usage of smartphones for purchases and mobile ļ¬nancial services 47M(2) Banks are pursuing options to extend their reach to the underbanked and expand their service oļ¬€erings by partneringĀ  of all bank revenues could be at risk from more tech-savvy competitors CARDS GOING DIGITAL in LATIN AMERICA(3) 35%(2) 47.7B USD 71% 29% Debit Cards Credit Cards Consumer credit portfolio 02 Digital payments in the Americas are $1.6T(1) Source: 1. Statista 2. Insider Intelligence 4. Central Bank of Mexico (www.banxico.org.mx) Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective will be achieved. Investments may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures at the beginning.
  • 6. WHO WE ARE A Fintech company providing a SaaS platform enabling enterprises to oļ¬€er digital ļ¬nancial products, services and access to credit. ā€¢ Integrated one-stop-shop platform connecting an ecosystem of service providers oļ¬€ering ļ¬nancial services that require processing and network management ā€¢ Portfolio of products requiring payment management and processing including prepaid cards and digital subscriptions, bill payments, and cross border remittances ā€¢ Omnichannel acceptance through mobile, web, POS, and self-service kiosks ā€¢ Veriļ¬cation and authentication solutions along with fraud, compliance, and risk management ā€¢ Global capabilities with initial focus on the underbanked in Mexico and the Hispanic population in the USA, and speciļ¬c management expertise in the Mexico-USA corridor 06 For illustrative purposes only. Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective will be achieved. Investments may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures at the beginning.
  • 7. INVESTMENT HIGHLIGHTS SCALABLE PLATFORM Highly scalable SaaS transaction platform addressing multiple large industry verticals and high volume omnichannel applications CENTRALLY POSITIONED Positioned as the central exchange network that connects all parties of the ļ¬nancial transaction to an integrated and expanding proprietary ecosystem COMPETITIVE ADVANTAGE Establishing a unique competitive moat with organizations serving the underbanked and unbanked Mexican and Hispanic population GROWTH ACCELERATION Accelerating growth and proļ¬tability through expansion into higher margin digital lending and ļ¬nancial services plus strategy of acquisitions DIGITAL BANKING Banking license acquisition enables digital lending and international transactions, and increases capacity for higher margin business 07 Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective will be achieved. Investments may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures at the beginning.
  • 8. OUR DIGITAL ECOSYSTEM OF INTEGRATED SOLUTIONS ā€¢ Cloud-based platform providing end-to-end B2B2C SaaS solutions for ļ¬nancial transactions ā€¢ Generating incremental revenue opportunities for enterprises through digital sales channels ā€¢ Connections to over 16 million consumers through multiple point-of-sale channels and application interfaces ā€¢ Aggregation of bill payment services and registry of major gift cards with a digital catalogue of over 5,000 products ā€¢ Expanding into Lending-as-a-Service solutions Discounts & Gift Cards Credit Cards E-Wallet Engagement Loans Catalog of Digital Products Collections Center Bill Payments Cloud Onsite Data Analytics Spending Processor POS Online Processing Note: (1) Future deployments expected (1) (1) (1) 08 Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective will be achieved. Investments may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures at the beginning.
  • 9. STRONG AND DISRUPTIVE BUSINESS MODEL Years of creating partner connections and relationships has established a diļ¬ƒcult to replicate proprietary ecosystem for the underbanked BARRIERS TO ENTRY High volume transaction capacity allows for higher asset turnover rates and operating leverage beneļ¬ts ECONOMIES OF SCALE Technology can be extended to additional industry verticals, geographic markets, and applications SCALABLE PLATFORM Merchants, ļ¬nancial institutions, service providers, and other organizations can expand solutions and/or revenue opportunities as network beneļ¬ts increase with more and more partners VIRTUOUS VALUE CYCLE New partners can be onboarded into the entire ecosystem and full suite of solutions with one integration at minimal eļ¬€ort and cost LOW-COST SPEED TO MARKET 5 1 2 4 3 09 Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective will be achieved. Investments may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures at the beginning.
  • 10. RECENTLY ADDED CLIENTS WITH HIGH VOLUME POTENTIAL SaaS model jointly with Blackhawk for 11 million customers in BBVA APP. SaaS model and APP for 50,000+ customers. SaaS model for current 2.3 million customers. SaaS model for 100,000+ customers. SaaS model for 1,600 gas stations nationwide. SaaS model for 2,400 locations nationwide. 010 Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective will be achieved. Investments may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures at the beginning.
  • 11. STRATEGIC ROADMAP 2017 SOFTWARE LAUNCH ā€¢ Canada- Developed B2C App ā€¢ Mobile Wallet 2019-2020 MEXICO LAUNCH ā€¢ Establish B2B SaaS Ecosystem ā€¢ Kiosks ā€¢ Lending License ā€¢ SOFOM 2021 SECURING THE FUTURE ā€¢ Enterprise B2B Contracts ā€¢ Product Development ā€¢ Completed $40M Sales ā€œB2C- Mexico asset acquisitionā€ 2022 IPO LISTING ā€¢ Targeting an IPO in the U.S. ā€¢ Capital Raise ā€¢ Target a Bank License for acquisition 2022 LENDING AS A SERVICE LAUNCH ā€¢ B2B Credit Financing ā€¢ B2C Credit Card Programs ā€¢ Payroll Deduction Loans >2023 USA CROSS-BORDER LAUNCH ā€¢ Establish Banking for USA Cross-Border Launch ā€¢ M & A Target Acquisitions >2023 GEOGRAPHIC EXPANSION ā€¢ Latin America ā€¢ Other Regions ā€¢ Increase Credit portfolio for Banking ā€¢ Facilitate Lending platform Sustainable momentum in a growing market 011 Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective will be achieved. Investments may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures at the beginning.
  • 12. FINANCIAL EXCLUSION HAS HUMANITARIAN & SOCIAL CONSEQUENCES ā€¢ restricts income earning potential ā€¢ adds ļ¬nancial risk and inability to absorb economic shocks ā€¢ credit constrained individuals can not take advantage of growth opportunities ā€¢ families are unable to invest in health and education ā€¢ businesses struggle to expand and create jobs ā€¢ communities and the broader economy suļ¬€er from less development Source: World Bank, Federal Reserve Bank of Dallas 10 012 Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective will be achieved. Investments may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures at the beginning.
  • 13. NEWT IS ENABLING FINANCIAL INCLUSION THROUGH DIGITAL FINANCE ā€¢ Newt helps the underbanked transact with employers, merchants, ļ¬nancial institutions, utility companies, and other organizations ā€¢ Newt provides a fairer, faster, accessible platform that reshapes the way businesses and consumers save and move money and conduct commerce ā€¢ Providing convenient and easily accessible digital payment services and products serves as a gateway to other ļ¬nancial services for the underbanked consumer and small to medium sized enterprises that lack access to traditional ļ¬nancing 13 Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective will be achieved. Investments may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures at the beginning.
  • 14. SERVING THE UNDERBANKED A STORY OF BETTER OUTCOMES M. Hernandez is a teacher in the public school system ā€¢ Paid cash every 2 weeks ā€¢ Lives paycheck to paycheck BEFORE NEWT ā€¢ Burdened with extra time spent cashing paychecks and managing cash ā€¢ Savings and safety at risk without digital store of value for monetary assets ā€¢ Is not able to build a credit score and has no access to traditional credit ā€¢ Moving money to and from family is diļ¬ƒcult or expensive ā€¢ Convenient solution for receiving pay and making purchases and payments ā€¢ Better and safer method of saving ā€¢ Develops a credit score, gains access to credit and obtains better interest rates ā€¢ Can move money easily to and from family including cross-border ā€¢ With more time and access to ļ¬nancing, she and her family have more options to improve their lives 14 AFTER NEWT Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective will be achieved. Investments may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures at the beginning.
  • 15. MARKET FOCUS ON THE UNDERBANKED Unbanked 65% $40 Billion Remittance 65% (1) Smartphones MEXICO 90% of transactions in Mexico are in cash (2) 65% of the adult population in Mexico is unbanked (2) USA MEXICO Sources: 1. Statista 2. Federal Reserve Bank of Dallas 3. Reuters 4. Federal Reserve ā€¢ Expanding the ecosystem in the USA leveraging the Hispanic population and cross-border transactions as a beachhead into the unbanked ā€¢ Initial buildout of partner distribution network and product rollout in Mexico where demand for digital ļ¬nance is early stage but growing signiļ¬cantly $40 Billion sent from the United States to Mexico in 2020, making it the largest remittance market in the world (3) 22% or 55 million adult Americans are either unbanked or underbanked (4) 15 For illustrative purposes only. Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective will be achieved. Investments may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures at the beginning.
  • 16. ADDRESSABLE MARKETS IN THE AMERICAS Digital Payments Neobanking Total Addressable Market $3.2T Note: Figures are in US Dollars; Sources: 1. ResearchandMarkets 2. Statista Prepaid Cards $620B(1) $1.6T(2) $1.0T(2) 16 Financial numbers are estimated, unaudited and subject to change. Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective will be achieved. Investments may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures at the beginning.
  • 17. PAYMENT GATEWAY Omnichannel access for consumers Range of digital payment solutions for consumers White-label solutions for enterprises Distribution channel for enterprises POINT OF SALE LENDING AS A SERVICE Branded self-service cash capable kiosks Cash capable partner point of sale network Credit ļ¬nancing for SMEs Payroll loans for consumers BANKING ā€œLICENSEā€ Plans to acquire a banking license Transformation into a hybrid digital bank ā€“ ļ¬nancial technology company NEWTā€™S BUSINESS LINES 17 PAYMENT PLATFORM Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective will be achieved. Investments may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures at the beginning.
  • 18. OMNICHANNEL PAYMENT PLATFORM CAPTURES CUSTOMERS ā€¢ Newtā€™s cloud-based SaaS platform provides end-to-end payment solutions and processing ā€¢ Enables bill payments, prepaid cards, digital subscriptions, cross-border remittances, and a range of domestic and international payment solutions ā€¢ Consumers can access payment options through diļ¬€erent devices and interfaces including web, mobile, POS, and self-service kiosks ā€¢ A single all-in-one omnichannel platform to manage payments and access ļ¬nancial services creates convenience and value for the consumer 18 For illustrative purposes only. Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective will be achieved. Investments may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures at the beginning.
  • 19. PAYMENT GATEWAY OPENS DISTRIBUTION CHANNELS ā€¢ Retail enterprises, telecom and utility companies, ļ¬nancial institutions, and governments can receive payments and access consumers ā€¢ Newt adds value to organizations with a white label solution for digital wallet, prepaid products, and ļ¬nancial services ā€¢ The B2B2C network creates a marketplace with seamless provision and access to a range of ļ¬nancial services Catalog of Digital Products Discounts and Gift Cards Credit Cards E-Wallet Engagement Loans Data Analytics Spending Collections Center Bill Payments Cloud Onsite Processor POS Online Processing 19 For illustrative purposes only. Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective will be achieved. Investments may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures at the beginning.
  • 20. KIOSKS WITH CASH LOADING CAPABILITY ARE A CRITICAL ACCESS CHANNEL FOR INCLUSION AND CONVERSION TO DIGITAL FINANCE ā€¢ The unbanked and underbanked require convenient access to a digital payment ecosystem initiated or complemented by a local physical access point ā€¢ Kiosks are a beachhead strategy that enable penetration into the unbanked market and contribute to expansion in addressable markets Sources: 1. Digitizing Payments in Latin America, published by PYMNTS 2. McKinsey & Co, US Digital Payments: Achieving the Next Phase of Consumer Engagement Digital Payment Solutions Digital Financial Services Market Expansion In Latin America, building out infrastructure to support payment tools and supporting localized payment types is key to success. (1) In the U.S., some systemic barrier must be overcome to reach the remaining group that donā€™t use digital payments.ā€ (2) 20 ā€œ ā€œ ā€ ā€ Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective will be achieved. Investments may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures at the beginning.
  • 21. UNIQUE CUSTOMER ACQUISITIONS FROM BRANDED SELF SERVICE KIOSKS ā€¢ Converts cash-based consumers to digital ļ¬nance with cash loading capability ā€¢ Extends the network of unique access points for consumers into the Newt ecosystem ā€¢ Captures new localized consumers previously not using or underusing digital ļ¬nancial services ā€¢ Expands the reach of partners and their products to end consumers ā€¢ Provides retailers with revenue share opportunities, attracts increased foot traļ¬ƒc to their locations and streamlines checkout operations and related costs ā€¢ Drives more volume over the Newt network 21 For illustrative purposes only. Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective will be achieved. Investments may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures at the beginning.
  • 22. NEWTā€™S CASH CAPABLE PARTNER POS NETWORK Kiosks in 120 Locations Existing B2B2C POS Locations (90,000) Newtā€™s integration with Green Dot extends reach to 100,000 merchant point of sale locations 22 OUR EXISTING MEXICO CASH NETWORK For illustrative purposes only. Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective will be achieved. Investments may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures at the beginning.
  • 23. ā€¢ Financial inclusion for underbanked as they gain access to credit ā€¢ Payroll deposits and payday loans become readily available with use of a card controlled through Newtā€™s application ā€¢ Facilitates the cross-border movement of money between residents with personal relationships ā€¢ Merchants gain access to ļ¬nancing tied to sales processed through point- of-sale kiosks ā€¢ Nearly instant underwriting through digital veriļ¬cations MERCHANTS ā€¢ Banking license meets regulatory requirement that facilitates expansion into credit granting and loan ļ¬nancing, credit card products, international credit, factoring, and cross border remittances ā€¢ Strengthens the business model beyond competing solely on the technology stack ā€¢ Newt retains high margin credit ļ¬nancing business for the underbanked ā€¢ Coupling of merchant ļ¬nancing with merchant revenue generated from the kiosk creates incentive for merchants to maintain loan payments and reduces the risk of loan default NEWT UNDERBANKED MERCHANTS NEWT DIGITAL BANKING FILLS THE CREDIT ACCESSIBILITY GAP UNDERBANKED Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective will be achieved. Investments may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures at the beginning.
  • 24. LENDING AS A SERVICE ā€¢ NEWTā€™s proposed Lending as a Service solution incorporates all its technological and product capabilities into a unique oļ¬€ering for business and government entities oļ¬€ering credit ā€¢ Leveraging its own SOFOM (regulated Mexican lending entity), its SaaS payment gateway, and its soon to be launched debit card program, NEWT can now provide its B2B partners with a comprehensive portfolio of credit products: ā€¢ Payroll Deduction Loan Funded by B2B partner ā€¢ Short term loans guaranteed by B2B partner and funded by NEWT ā€¢ Short term loan unguaranteed funded by NEWT 24 Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective will be achieved. Investments may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures at the beginning.
  • 25. OUR LENDING SOLUTIONS IN DEVELOPMENT LaaS cloud-based platform, combined with credit and collections, plans on providing a full-scale FinTech banking solution for businesses. ā€¢ Bin from Bank ā€¢ ABC (Sponsor Bank) ā€“ Card Program Manager ā€¢ Bank-to-Bank Ecosystem Lending-as-a-Service (LaaS) provides ā€œtechnologyā€, instead of ā€œfundsā€ directly to businesses and clients. 25 Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective will be achieved. Investments may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures at the beginning.
  • 26. OUR REVENUE MODEL Transaction Fee Processing Rev Shares Interest Rates LaaS Revenue Monthly Service Fee Interest (Rev Share) Transaction/ Fee Revenue SAAS PAYMENT SOFTWARE Transaction Fee Processing Setup Fees 2.5-6% Margins on Gross Revenue (LTM 2021) 3-5 year + Average contract SaaS Revenue ā€¢ Monthly Customers ā€¢ Product & Services + + = + + = LAAS PAYMENT SOFTWARE 26 Financial numbers are estimated, unaudited and subject to change. Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective will be achieved. Investments may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures at the beginning.
  • 27. SALES POISED FOR CONTINUED GROWTH ā€¢ Increasing number of banks and network partners on the platform ā€¢ Rollout of kiosk points of sale ā€¢ Expansion into the USA ā€¢ Addition of LaaS business ā€¢ Network eļ¬€ects driving greater transaction processing volumes ā€¢ Accretive acquisitions GROWTH DRIVERS 27 M M M Financial numbers are estimated, unaudited and subject to change. Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective will be achieved. Investments may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures at the beginning.
  • 28. USE OF FUNDS 28 Use of Proceeds OPEX $2,300,000 ACQUISITION ~$2,150,000 TECHNOLOGY DEV $1,800,000 MARKETING & SALES $1,500,000 G & A ~$2,795,000 CAPEX $3,600,000 OPEX LAAS ~$3,241,000 BANKING LICENSE ~$ 4,500,000 Total Equity $21,886,000 SOFOM (Debt) DSO $5,000,000 Financial numbers are estimated, unaudited and subject to change. Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective will be achieved. Investments may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures at the beginning.
  • 29. MANAGEMENT TEAM Steven Hoļ¬€mann Founder of Newt Corp, Entrepreneurial & Financial 16 yrs experience. Founder of Fintech, Financial, Renewable Energy, Mobile Encryption & Battery Storage. Served on various boards of private & public companies. CHAIRMAN OF THE BOARD & CEO Sergio Maya Founder of 10VIA Corporation 20+ years experience in ļ¬nancial sector. Former CFO for Interjet Airlines serves on boards of private & public corps. Worked in major companies as Televisa DTH, DESC, Holcim. Former Secretary of Finance for a state Government in Mexico. CEO LATIN AMERICA Nathan Barotz GENERAL COUNSEL NORTH AMERICA Law ļ¬rm as well as in-house experience. United States Certiļ¬ed Information Privacy Professional (CIPP/US). Admitted to practice in the states of New York and Connecticut as well as the United States Supreme Court and District Courts. Diego Bravo An undergrad in mechanical engineering at Universidad de MĆ©xico, he specialized in mechanical design and then become a project manager at a consumer products corporative. Afterwards, he founded his own company with his brother and specialized in ļ¬nance planning for 8 years. COO Mexico 29 Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective will be achieved. Investments may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures at the beginning.
  • 30. BOARD OF DIRECTORS & ADVISORS Elaine Arozarena 30+ years of global business experience throughout Europe and the Americas. Iberian Peninsula Head at Korn Ferry, LATAM Regional Head at Dun & Bradstreet, currently President & Founder of Global Strategic Advice Services. ADVISOR MEMBER R. Scott Zimmer 30+ years in Enterprise Technology Former Director of Dish USA, Next Gen Satellites and EchoStar Satellite Corp. President of EchoStar International Consultant for CCT, China Communications Technology, and Sunbase Group BOARD MEMBER David M. Thompson 30+ years of ļ¬nancial experience Founder of Sea Dragon Energy Inc. (TSX:V), CFO of Aurado Energy, CFO of Forum Energy Corporation (OTC) & Forum Energy Plc (AIM) BOARD MEMBER Olivier Trancart Board Member of Netguardians.ch, board membership roles in the area of sales and business development, corporate development with fundraising activities at Boost Suisse, and active in industrial business development in emerging markets in partnership with private entrepreneurs and family oļ¬ƒces. BOARD TECHNICAL ADVISOR 30 Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective will be achieved. Investments may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures at the beginning.
  • 31. CONNECT WITH US @Get_Newt @Get_Newt @Get_Newt info@getnewt.com www.newtļ¬nancial.com Past performance is not indicative of future results. There is no guarantee that any speciļ¬c objective will be achieved. Investments may be illiquid, highly speculative and there is risk of the total loss of your investment. See disclosures at the beginning.