Friendsvow Product Pitch - Connecting People, Cooperatives, Colleagues with financial credit online with zero% default on repayment Guaranteed, imagine getting finance from your

1. THE INTERNET BANK FOR CREDIT
Powered by Blockchain
Founder: Colyns Ehys colyns@friendsvow.com /Confidential - Do not Distribute
"All Business proceeds on beliefs, or
Judgments of probabilities, and not
on certainties" Charles W. Eliot
Friendsvow
Friendsvow
Friendsvow
Email: hello@friendsvow.com
Connecting People with Financial Credit Online.

2. colyns@friendsvow.com /Confidential - Do not Distribute
PROBLEM: 80% of people finds it difficult accessing
convenient credit, everywhere in the world, most financial
problems in the world can be solved by easy credit

3. colyns@friendsvow.com /Confidential - Do not Distribute
Lack of access to credit can lead to Bankruptcy, Banks
finds it difficult giving credit to new customers, without
convenient credit billions of people cannot succeed

4. colyns@friendsvow.com /Confidential - Do not Distribute
SOLUTION: FRIENDSVOW Powered by Blockchain?

5. colyns@friendsvow.com /Confidential - Do not Distribute
Solution is: FRIENDSVOW Group Credit?

6. colyns@friendsvow.com /Confidential - Do not Distribute
Solution is: FRIENDSVOW Weekly, Monthly, Quarterly Credit?

7. colyns@friendsvow.com /Confidential - Do not Distribute
BENEFITS: GROUP OF FRIENDS, Colleagues, Cooperatives Coming together to make a Vow of
credit empowerment where no one can default on repayment

8. colyns@friendsvow.com /Confidential - Do not Distribute
BENEFITS: ABILITY to make major life purchases, Cars, Weddings,
Educational, Vacational, Medical All these maj

9. colyns@friendsvow.com /Confidential - Do not Distribute
HOW FRIENDSVOW CREATES CREDIT

10. colyns@friendsvow.com /Confidential - Do not Distribute
BUSINESS MODEL
 Revenue model.
- Transaction processing
–Group accounts will be charged 0.5% + 15cents per transactions
–Business/premier accounts are charged 1.00% of incoming funds
+30 cents per transaction
Average account size and/or lifetime value.
- Employees of with consistent means of income, Anyone with a social
media account some means of income, small business owners,
 The duration for each account is weekly, Monthly or quarterly, daily will
open by popular demand.
Government, Corporate Organizations, Employees of any company,
small business owners, Anybody with a social media account,
especially Facebook, Twitter, LinkedIn, Google plus, account and a Job

11. 1. Our Competitive Advantages.
 No Interest rates
Cash is Guaranteed when Due.
Unlimited mode of application.
 Giving yourself an overdraft way bigger than any bank might give you is honestly, unquantifiable.
 Cash is given in a Social networking user friendly atmosphere.
2. Peer-to-Peer lending sites, Banks, but not one of these has our niche, we have created a
new innovative way of connecting people with financial credit, we are bringing an age old
tradition of group contribution online, this will democratize the social lending space, while
these users are still using the old banking model of peer-to-peer savings to lending we have
democratize access to financial credit with default ZERO% default that ensures no risk .
Our Advantages? We have an IP on our domain that makes us the defactor leader in this
space, we created this concept online and have practiced it ourselves offline for years before
deciding to make it universal, all the competitors I have identified so far none of the founders
have used this concept themselves before they launched, it might not be a criteria but it is
easier to implement a program, when you understand the fundamentals from the ground up,
like the pressure that comes with taking other people’s cash and contributing your own
when's its your time, what we are to do is so clear and simple but head breaking for our
competitors
colyns@friendsvow.com /Confidential - Do not Distribute
COMPETITION
 List of competitors.
 Banks.
 Loan Houses.
 Loan sharks.
 Financial Institutions that lends Money.
PayPal, Facebook, Online Loan sites, etc…
 List of Specific competition.
Puddle.com
Branch.co
Osusu.ng
Susu.ng
Moneyme.ng
Riby.me
Piggybank.ng
Paylater.ng

12. colyns@friendsvow.com /Confidential - Do not Distribute
HOW FRIENDSVOW CREATES CREDIT

13. FRIENDSVOW TEAM
Team Investors
 FINANCE
 ( PURPOSE - For Product Upgrade,
Expansion, Branding and Marketing
Campaign)
 TECHNOLOGY. Web and Mobile App
Powered by Blockchain transactions for
simplicity, efficiency, transparency…
 http://www.Friendsvow.com
 The Internet Bank for Financial Credit
- Web/Mobile App created with Python,
Java, Blockchain, PHP, HTML,
JavaScript, CSS, Ruby, Java, Exponent
JS, ReactNative ….
 CUSTOMERS/USERS:
 10 Million Monthly Users connecting
each other with financial credit,
Immediate target is 30 Million working
class Nigerians
colyns@friendsvow.com /Confidential - Do not copy/Distribute
Joshua Ejiofor
COO
Ibrahim Bitrus
Software Developer
Kamaldeen Salau
Software Developer
Mark Mishael
Director of OPS
Colyns Ehys –
Founder/ceo
ColynsEhys
Colynz
Colyns