We Put the "i" in Moni & Give You More

1. SmartMoni
Intelligence in Every Transaction
We Put the “I” in Moni & Give You More
Prosperity for Everyone
We Provide Whole New Capabilities & Deliver to the Marketplace Too
6 Value Bumps in 12 Months
SmartMoniCenter
MoniCoins | MoniPlus | MoniAds | MoniServices
Brands & Value Plus Services
3 Major Sectors - Advertising – Commerce –Payments
Ads $550 Billion | Shopping $2.34 Trillion | Payments $3.4 Trillion
Convergence
-------------------------
1st MarketSocials for Delivery
GoMainSt w/PocketPlus USA
5-in-1 Media Advantage
Print – Internet – Mobile – Beacons - SmartMoni
Target 3,000 Online Commerce Sites
Target 785 Retail, Restaurant, Service Nat’l Chains
Target 13 Million “New Customers - Service Sectors” across the MarketStream
We Rush to Capture Market Dominance in USA - Launch August 2019
CEO - Brent D. Amundson
25 Yrs. in TURNKEY Global Networks
American Express | Citibank | HSBC | ANZ | Fuji Bank | Visa | MasterCard Etc.
Public Country Nets for Asia, Latin America, Africa & Australia/Japan
Irvine, CA Tel: 949-878-3808 / IT Support: Cebu, Philippines - +63-929-483-2774
eMail: mrmoni@smartmoni.com | Web: https://www.smartmoni.com

2. Table of Contents
1. SnapShot
2. Summary
3. Description
4. Axioms for Strategy
5. Mgmt. Team
6. Platforms
7. Markets Served
8. MoniCoin
9. MoniPlus
10. SmartMoniCenter
11. MoniAds
12. CitiLife Beacons
13. MoniChain
14. GoMainSt
15. StreetTalk.Buzz
16. Nat’l USA Launch
17. Formulaics
18. MarketToken
19. Summary Graphics
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The TelePhone was replaced by the SmartPhone, will Money be replaced by SmartMoni?
Let Experience be Your Guide

3. SmartMoni - Snapshot
Intelligence in Every Transaction
-------------------------------------------------------
We Change the Nature of Moni
Rather than a Sign of Wealth, It Increases Wealth as You Use It
We Change the Business Model of Moni
Instead of Transaction Fees - we use MoniPlus to Promote
Merchants/Civics and Reward Users. We increase Purchasing Power in Every Transaction.
MoniPlus = MoniPromos & MoniPoints w/AI SmartShopper
We Change How Moni is Serviced
Govt's use Moni for Power, Banks use Moni for Profit, Merchants use Moni for Commerce.
We partner with those who use Moni the most and can service it best: Merchants
MoniServices via Merchants reduce costs 45% and increase Services 45%
Safe Secure & Convenient
Market Plan for Moni
We utilize 3 Operational Platforms and modify them to create Convergence.
We reinvent Advertising, Social and Money to deliver whole new capabilities and benefits.
We Partnered with 101 Grocery Chains in 100 Metros/2,135 Cities & Focus on 785 Nat’l Chains
5-in-1 Media Advantage
We Deliver Not Solutions but New Capabilities
We redesigned Social for Commerce and created a New Type of Shopping.
We evolve Advertising from Stalking & Trolling to one of Discovery & Engagement
We break the Boundaries of Blockchain by adding a New Value Layer to Give You More.
We Create the Digital MarketStream
It feeds the MoniChain to seed the MoniCoin to create MoniPlus
CitiLife | Dining | Home |Medical | Professional | Investing | Charity | Faith |Education | Travel | Education | Civics
Promos – Social – Messaging – Commerce – Payments
Advertising – Social – Shopping - Payments
Convergence
Formulaic Cascading Results
Companies succeed through Formulas
Ours are Multi-layered & Multi-faceted delivering Exponential Results.
Higher Chance of Success
By Modifying Fully Operational Platforms
We Reduce Investment, Reduce Risk & Time to Market
Our Business is Prosperity for Everyone

4. SMARTMONI w/MONIPLUS
Intelligence in Every Transaction
MoniServices
We are More than a Network & a Token
"This is a strong offering. We implement a Global Architecture that can be adopted immediately. It also allows
each country, region or continent to adapt and evolve their own digital strategy. At the same time, we offer
true Value-Added Services tailored toward each Country Market, 5 MoniMarts & 11 Market Segments. We
offer Discovery w/Proximity & Personalization for every facet of your day. We defind our Country Model, then
chart multiple & parallel paths for substantial market appreciation inside of 12 Months - 6 Value Benchmarks.”
A USA Launch in 100 Metros/2,135 Cities is scheduled for August 2019
We Change the Nature of Moni
Rather than a Sign of Wealth, It Increases Wealth as You Use It
Its Personal, Private, Builds Relationships and creates Stronger Communities
--------------------------------------------
We make spending CASH or using a CREDIT CARD a BAD DEAL
Prosperity for Everyone
1. SMARTMONICENTERS
MoniServices
MoniPlus, MoniExpress, MoniPay, MoniDeposit, MoniSafe,
MoniBill, MoniGift, MoniLoan, MoniFund, MoniAssets, MoniEscrow & MoniExchange
Implemented over Phases | We Own 70 Moni Branded Domains.com for Each Service
Personal | People | Merchants | Business | Global
Prosperity for Everyone
-----------------------------------
We Partner with Those Who Use Moni the Most & Can Service it Best
Merchants Circle
2. MONICOINS
A NEW MEDIUM OF EXCHANGE
ZeroPlus Fees - Moni-ID - Payments - Transfers - Exchange - Assets – Commerce
MoniLoad | MoniDeposit | MoniSwap | MoniSafe | MoniVault
We Threaten No One & Compliment Everyone
Country by Country
3. MONI-ID
We Reinvent Privacy for You
Avatars - Verification, Authorization, Moni-ID Masked w/Moni Metrics

5. 4. MONIPLUS
We Put the "i" in Moni & Give You More
MoniCoins w/MoniPromos & MoniPoints
w/Personal & Private AI SmartShopper
Powered by MarketStream & MoniAds
5. MONIEXPRESS | MONIPAY | MONIBILL | MONIEXCHANGE
Payments - Transfers - Exchange
Local to Global
7. MONIASSETS
Certified w/Managed Services
Autos - Homes - Buildings - Land – Equipment
8. MONI-AD
A New Type of Advertising
Wuts New! Wuts Hot! Wuts a Deal! & Things-to-Do
Discovery & Engagement – Explore w/Save Share with friends Click-to-Buy
CitiLife | Dining | Home | Healthcare | ProServices | Wealth | Charity | Faith | Travel | Civics
Print - Internet - Mobile - Beacons – SmartMoni
5-in-1 Media Advantage
9. MONICHAIN
We Break the Boundaries of Blockchain
We create the MarketStream to Feed the MoniChain to Seed the MoniCoin to Create MoniPlus
SmartMoni + Stellar/Chain + IBM
10. MoniSwift.Net
Integrity, Security, Reliability and Speed
1st M2M (Machine to Machine) Global Financial Network
Trucking | Pipelines | Shipping | Utilities | Financial
11. MarketSocials
GoMainSt & StreetTalk.Buzz
5-in-1 Media Advantage
Print | Internet | Mobile | Beacons | SmartMoni
--------------------------------------------------
CitiLife - Wuts New! Wuts Hot! Wuts-a-Deal! & Life Events
Power of Proximity w/MoniAd Pins - Discovery Spot Save Share-w-Friends & Click-to-buy
Every New Day - We Showcase then Personalize to Suit Your Taste & Needs
Explore Live Promos w/Proximity Points tailored from the MarketStream
100 Metros/2,135 Cities with 101 Grocery Chains @ 13,400 Locations
Discovery for Every Part of Your Day

6. SmartMoni
Intelligence in Every Transaction
We Put the 'i" in Moni & Give You More
We have a Network (Stellar), a Universal Branded Stablecoin - MoniCoin, which can be adopted by
Country by Country to run Payments & Transfers w/Local Currency and ZeroPlus Fees. In addition, we
offer MoniLoads with MoniDeposits, MoniSafe and MoniSwap which enable us to solve the Currency
Backing Dilemma of Stablecoins. We then offer true value added MoniPlus
w/MoniPromos/MoniPoints. Its powered by MoniAds. Its a new Business Model for Moni, it replaces
Transaction Fees. Its why we can offer ZeroPlus. We also offer New Type of Advertising, Instead of
Trolling and Stalking, its based upon CitiLife around you. We reinvent Shopping with discovery, driven
by Promos w/Points of Proximity for every facet of your day. And then, to assist a Personal AI
SmartShopper. We promote local places and reward people. We digitize the MarketStream to 11 Mkt
Segments – People, Places & Community: CitiLife, Dining, Home, Healthcare, Professional, Wealth,
Charity, Faith, Education, Travel & Civics. Its also mostly New Mkts - Services (Wide Open) and
Community - Charities, Faith Education and Civics. As a result, we build relationships AND stronger
communities. Internet Commerce is set for MoniPlus and the ability to add their MoniPromos &
MoniPoints to be available worldwide via MoniAds. We also change how Moni is Serviced, we partner
with those who use Moni the most and can service it best - Merchants. We provide SmartMoniCenters
& MoniDepots (Kiosks). They deliver easy access to a Portfolio of 40 Branded MoniServices. Its more
responsive & convenient while dropping costs by 45% and increasing services by 45%.
To gain market dominance, we have two Life App delivery vehicles – MarketSocial & SocialStream.
They are well branded - GoMainSt – Prosperity is Our Business and StreetTalk - One World Many
Voices. We initially target the 785 Nat’l Restaurant, Retail and Service Chains. Its great for nations and
a boom for small business. We are Local to Global. The MarketSocials are designed for Promotion &
Commerce for Everyone – People Places & Community. They offer a New Type of Shopping Streaming.
We use convergence to blend Promos, Social, Messaging Commerce & Payments. We create a Point of
Proximity experience for every facet of your day via the MarketStream – 11 Mkt Segments. You can
now - Spot, Save, Share-with-Friends and Click to Buy. On time real time shopping experience
supported by an AI SmartShopper MoniBuddy. Each offer 6 Market Points of Entry: a Showroom,
PocketPlus, Weekly Billboard, Life Events with CitiMart and CitiAds. The big attraction, we provide is a
5-in-1 Media Advantage - One Promo across Print - Internet - Mobile - Beacon & SmartMoni with
blanket coverage of USA – all month long – every month. We drop the cost of Advertising in a Metro
Market by 80% and give you more whiling maintaining 52% Profit Margin coming out the door.
August 2019 launch - Partnered w/101 Grocery Chains w/13,400 locations in 100 Metros/2,135 Cities.
Cascading Formulas for Prosperity for Everyone
• We redesigned Social for Commerce
• We reinvent Advertising to Discovery via Promos & Points of Proximity
• We break the Boundaries of Blockchain to give you More in Every Transaction
• We created the Digital MarketStream - 11 Mkt Segments to improve Every Facet of Your Day
• We utilize Convergence to blend Promos Social Messaging Commerce Payments for Shopping
• We deliver a 5 in 1 Media Advantage for People Places & Community w/MoniPlus

7. Axioms for Strategy & Success
1. Mobile Phone Vendors have been pushing Phone Payments for almost 10 years. Not much progress,
people are creature of habits and convenience. They need a reason to change. I’ve had a “Cell Phone”
for 30 years, Im not in a rush to put-it-all-on-my-phone. I’m sure Apple Google & Samsung would luv it.
2. A VC commented online, are we going cashless too soon? I reminded him, Credit Cards are “cashless”.
They are also secure and convenient. And, current Costs are born by the Merchants, they are
transparent to the Consumer. Do not discount the resilience and convenience of the Card.
3. Are Mobile Payments Real? New methods will come in all shapes sizes & colors: Cards, Pocket Tech
Gadgets, Bios etc. SmartPhone Payments will be part of the “mix”. The new choices will surprise you.
4. We create MarketStream for every facet of your day. CitiLife, Dining, Home, Healthcare, Wealth,
Charity, Faith Education Travel Civics. Most Sectors are Services & Community Orgs. New Oppty!
5. Advertising changes from Trolling to Discovery w/Proximity Points. We bring more choice to every part
of your life, when you need it most. - All during the day.
6. CitiLife Promos – Deliver a 5XMatrics of Choices across 11 Sectors: Wuts Hot! Wuts New! Wuts a Deal!
& Life Events. We deliver Discovery Engagement to Points of Immediacy around you. Then Personalize.
7. For the 1st time, we include Services & Community – Services, Charity, Faith, Education and Civics. It
enriches lives, builds relationships and healthier communities The Big Chains love it.
8. We move the Commerce forward through Convergence. We create the MarketStream to blend
Promos Social, Messaging, Commerce and Payments into a single experience. Once a Stale Search &
Buy Click, it’s now - Proximity Points w/ Spot, Save, Share-with-Friends & Click-to-buy with MoniPlus.
9. Digital is more than “Just a Payment”. Its been 50 years, new technology means new capabilities. It’s
more than a Network, a Token. We create an ever changing and vibrant MarketStream with Promos &
Points of Proximity delivering with more Choices for every facet of your day. Then Add AI
SmartShopper with MoniPlus. Our MoniCoin also solves the currency dilemma of Stablecoins.
10. We created the MarketStream to Feed the MoniChain to Seed the MoniCoin to Create MoniPlus.
As a direct result, we are able to deliver a Portfolio of Branded True Value-Added Services
More then Solutions, we deliver new Capabilities.

8. Management Team – Experience & Expertise Count
CEO – Brent D Amundson
UCF - Bachelors Finance/Economics, Thunderbird Global Mgmt. - MBA
I have 25 years’ experience in the sale design implementation and management of Turnkey
Global Networks. I have personally done Turnkey - Citibank, Am Express, HSBC, ANZ, Fuji
Bank and managed Bank of America Chase Visa & Mastercard Worldwide and many more. I
also Managed the Public Net for 83 Countries and put in the 1st
National Nets for Australia
and Japan. We added the Chinese Character Sets to the Net and I designed and implemented
the 1st
Fully Fault Tolerant Country Network in the World – ie Japan. Employed y Companies:
Texaco, Control Data, Tymnet (Tymshare), McDonnell Douglas, NCR. Positions held: Financial
Analyst, Sales Rep, Account Rep, Country Mgr. – Japan, Director of Pacific Rim, Private
network Sales – W. Region. My health is excellent. I might take 2-3 Tylenols a year. My dad
lived to 92, flew a hot air balloon until 83. Uncle died at age 92. May aunt is 96 and still
out-n-about. My grandparents died at 92 in a car accident. LinkedIn -
https://www.linkedin.com/in/bamundson/
VP Sales – Jeff Homan
BS Computer Science, MBA Thunderbird Global Mgmt.
25 years in Software Sales for Financial & Retail POS Industries. Experience includes
Accenture & KPMG Peat Marwick with client engagements such as Bank of America,
State of California, Healthcare & Allstate Insurance Japan. Programmer and Software
Analyst. LinkedIn - https://www.linkedin.com/in/kurush-homayouni-17219083/
VP CTO – Ram Kuman
MSC – Computer Science Bharathiar University, MBFEB
Indian Institute of Mgmt. Bangalore
Over 10 years’ experience in blockchain and digital advertising technology. Pioneered
a handful of technologies related to Adserver, AdExchange, OpenRTB, DSP, SSP, DMP,
CDP, AMP, GDPR compliant ads, and many more. One of the Top Tech Adman on the
Planet – OpenX/Revive Ad Server https://www.linkedin.com/in/softyram/
Implementation Team
Rather than rely on a few individuals to build out our platforms. We will instead utilize a team of 5
companies. Each with their own expertise. Their ability to converge resources to meet objectives are
substantial. Known and I’ve worked with them for 2-7 years.We will add staffing and resources as we
approach launch time 3-5 Months. This reduces Company overhead provides more flexibility and
opportunity to actively engage during buildout.
Partners - 5 Companies (India)
➢ 1 Is 40th largest Software Company in the World
➢ 2 are listed in Top 50 Fastest Growing Companies in India
➢ 3 are the Top in their respective Specialties worldwide. (Social, Ads, Commerce

9. SmartMoni Platforms
3 Operational Platforms Integrated and modified to deliver new capabilities – reduces cost, time to market
and increases chance of success.
SmartMoni, MoniAds, MarketSocials
1. SmartMoniCenters w/MoniServices – Safe Secure & Convenient
2. MoniPlus – w/MoniCoins - MoniPromos & MoniPoints & AI SmartShopper Bot
3. MoniAds – Discovery – CitiLife Promos w/Spot, Save, Share with Friends, Click to Buy
4. GoMainSt PocketPlus & CitiMart – Promos & Commerce
5. MoniWallet / MoniPay Commerce / MoniAds
6. Stellar / Chain / IBM Blockchain
1. Next Generation of Money - SmartMoni w/MoniServices
We expand the capabilities of the blockchain by adding a Value Layer, it increases the Purchasing Power of
Every Transaction. We then created the MarketStream with 11 Market Segments. It feeds the MoniChain
which seeds the MoniCoin to create MoniPlus. It consists of MoniPromos and MoniPoints created via
MoniAds. It’s a new business model for money. Rather than being fueled by Transaction Fees, we are an
Advertising Platform, promoting Merchants & Civic Orgs in the Community while rewarding users. We
create the MarketStream of 11 Market Segments to assist you in every part of your day. It all resides Live -
right in your Wallet with an AI SmartShopper for Personal Assistant. Powered by a General Proximity
Search, with a click for Personal Preferences. Transaction fees are ZeroPlus w/MoniPromos & MoniPoints
2. We Change How Moni is Serviced
Govt's use Moni for Power, Banks use Moni for Profit, Merchants use Moni for Commerce
We partner with those who use Moni the most and can service it best – Merchants. Banks located in
Grocery Stores reduce costs by 45% and increase services 45%. SmartMoniCenters and MoniDepot Kiosks.
3. A Social Designed for Commerce.
It’s a new type of shopping. We use convergence and blend Promos Social Messaging and Commerce
across the same platform to create a new type of shopping experience. Its discovery and engagement
driven by convenience. In addition, we created the MarketStream which represents every facet of your day
with 11 Market Segments: CitiLife, Home, Dining, Healthcare, Wealth, Professional, Charity, Faith,
Education, Travel & Civics. There are 5 areas to conduct discovery and commerce: Showcase, PocketPlus,
Weekly Billboards, Life Events & CitiMart. Its also powered by CitiAds and MoniAds to promote your
products & services. Services – a ripe area for growth.
4. We Reinvent Advertising with MoniAds
We replace the stalking trolling model of Advertising to one of Discovery & Engagement. We introduce
Promos in CitiLife and implement Wuts New! Wuts Hot! & Wuts a Deal! & Life Events. All with geo-
proximity and utilizing the Power of the Pin to provide easy access viewing with Spot, Save, Share, Click-n-
Buy. Personal Preferences serviced by an AI SmartShopper Bot provides more value and convenience.
Merchants utilizing MoniPay with ZeroPlus Fees can load their MoniPromos & MoniPoints to Centralized
MoniAds and they will be distributed worldwide via MoniPlus & Wallet.

10. Markets Served – Broad Sweep & Tailored to Market Segments
SmartMoni w/MoniPlus is designed to provide a higher value-added service to each market and its
customers. It also defines our business sectors and how we tailor servers to meet every facet of your day..
We are local to global.
Major Sectors
Advertising – Social – Shopping - Payments
Ads $550 Billion | Shopping $2.34 Trillion | Payments $3.4 Trillion
Market Segment Size (USA)
1. People to People
2. Retail – Merchants, Restaurants, Services
3. Business 2 Business
4. Global Express
5. GoMainSt MarketSocial – 10 Mkt Segments
$ 800 Billion
$ 5.700 Trillion
$33.000 Trillion
$ 4.000 Trillion
$16.4 Trillion
The MarketStream – Market Segments
1. 785 National Retail, Restaurant & Service Chains
2. 101 Grocery Store Chains
3. 13 Million Merchants, Business, Civic Entities within US Market
Market Social US Markets Anchor Tenants Market Size
1. SmartMoniCenters
2. GoMainSt
3. StreetTalk
4. MoniAds
1. Merchants
2. Home Services
3. Dining Out
4. Healthcare
5. Charities
6. Faith Based
7. Travel
8. Investing
9. Professional
10. Education
11. Civics
2,206,681
1,837,084
990,805
1,622,648
1,409,430
575,083
488,000
2,648,062
258,000
1,188,547
----TBD----
$4.70 Trillion
$1.80 Trillion
$ 683 Billion
$1.90 Trillion
$2.06 Trillion
$ 400 Billion
$1.70 Trillon
$1.45 Trillion
$ 700 Billion
$1.10 Trilion
-----TBD-------
Total 13,224,340 $16,493,000,000
Much of these are SERVICES – Wide Open for Commerce & Plus Services
Also, who does Promos for Community – Charity, Faith, Education, Civics
Sectors? This is a “hot button” with many of the Big Chains and Grocery Store
Chains. They are part of the Community.

11. MoniCoin – A New Medium of Exchange
Branding Counts for Consumer Acceptance
1. Universal Branded and used Country by Country
2. Local Currency – Personal Account: MoniSafe w/MoniSwap for Transactions
3. ZeroPlus Fees – Perks & Promos for every transaction
4. Moni-ID – Personalized and Private
5. MoniAds – CitiLife w/Discovery & Points of Proximity
6. MoniAssets – Digital Certification w/Mgmt. Services
MoniServices
MoniExpress – MoniPay – MoniSwap - MoniGift – MoniBill – MoniPay – MoniFund – MoniFund -
MoniAssets – MoniGift - MoniExchange – MoniGold - MoniSilver
We Threaten No One and Compliment Everyone
Designed for Easy Adoption, Compliance and Free to Adapt and Evolve

12. MoniPlus +
We Put the “I” in Moni & Give You More
1. Local Currency
Stablecoin with MoniLoad/MoniSwap & MoniSafe for Escrow – People | Merchant
2. ZeroPlus Fees:
Zero Fees with MoniPromos & MoniPoints awarded with every Purchase, Transfer & Transaction
3. Privacy - Avatar w/Moni-ID
All is Private - SmartMoni will verify authenticate and record all transactions
4. MoniPlus
MoniPromos & MoniPoints from Merchants in Every Transaction | Value Layer
5. SmartShopper AI Bot
MarketStream - 11 Market Segments with Proximity Points w/General & Preferences
6. MoniPlus Online Commerce w/MoniAds
Shopping Carts & POS can now accept MoniCoins and also use MoniPlus with Promotions and
Points available at Site and Across the Web – MoniAds & All MoniWallets.
7. Community Currency (MoniPoints)
Everyone can Issue MoniPoints - Friends Family Charities Schools Merchants Business Govt
Points for Purchasing, Rewards for Doing, Incentives for Trying, Shared / Gifted
1. Plus is a Growth Industry – Multi Merchant is a Game Changer
Loyalty in the US grew by 20 percent to 3.32 billion in 2015 from 2.65 billion. Program Goals are
higher customer retention, lifting sales and shifting competitor’s customers. ROI Goal is 15%.
• 73% - Recommend brands
• 81% - Do business with brands
• 66% - Modify spending 75% - Brand relationship
• 70% - Modify when/where to buy
• 80% - Choose a Bank offers rewards

13. SmartMoniCenters
People, Places & Community.
MoniServices
Brands & Domains (80)
MoniPlus, MoniExpress, MoniPay, MoniLoad, MoniSwap, MoniDeposit, MoniSafe,
MoniBill, MoniGift, MoniLoan, MoniFund, MoniAssets, MoniEscrow & MoniExchange
Implemented over Phases | We Own Domains.com for Each Service
Personal | People | Merchants | Business | Global
Prosperity for Everyone
+++++
Personal | People | Merchants | Business | Community | Global
We Partner with those who use Moni the Most and can Service it Best
Merchants = SmartMoniCenters, MoniDepots, MoniCaddy

14. MoniAds
We Change the Business Model of Moni. We replace Transaction Fees with a Higher Revenue
Stream. We promote Places & Communities while rewarding People who use it.
CitiLife Promos & Points of Proximity
Wuts New! Wuts Hot! Wuts a Deal! & Life Events
Discovery & Engagement vs Trolling & Stalking
People, Places & Community (Market Stream – 11 Segments)
• Promo Matrix5X
5 Different ways to Promote your Brand Products & Services
• General Proximity Points then/Personalize
Discovery w/Spot - Save, Share with Friends, then Click-n-Buy
• Global Reach
Multiple Cloud Distributions to deliver Fast Secure & Responsive Ads
• Billions of Impressions & Counting
Easily scales to billions of impressions per month.
• Lightning Fast Loading
Ad serving engines positioned all over the globe. MoniADs is built on the latest
technology, optimized for speed, & structured for highest performance.
• Always On – 99% Uptime
Using fault tolerant clustered hosting, MoniADs Server always delivers enterprise level, 99.99%
availability.
MarketStream
CitiLife | Dining | Home | Healthcare | Professional | Investing | Charity |
Faith | Education | Travel | Civics

15. CitiLife Beacon
Overseas Communities with Free Wifi – Supported by MoniAds
Using this product, any business can create a virtual perimeter and send notifications to the customers
who pass through this perimeter. In addition, MoniPlus Mobile app will display Promos & Proximity
Discovery and Choices with Personal Preferences. Spot Save Share with Friends then Click-to-Buy.
• MoniAds
Discovery with Points of Proximity 5XPromos over the MarketStream – 11 Mkt Segments
Spot, Save, Share-with-Friends – Click to Buy
• MoniPlus & MoniPoints
Wuts New - Wuts Hot - Wuts-a-Deal – Live Events & 1 Wildcard
• Proximity Points
Get unlimited deals and discount bargains based upon Proximity Points & Preferences.
• Geo-fencing
Sends push notifications and promotional messages to the App users within a geo mkt arena.
• Analytics
Analytics will help in measuring your advertising ROI as well as track users interest area and
footfalls via heat map, social networking sites and applications.
• Web Management Console
To manage content such as promotions, geo-fencing messages & store info for your app
• Summary
1) 5-in-1 Media Advantage
2) Proximity Points – General and Personal Geo Reach
3) Promo Matrix5X - Wuts New - Wuts Hot - Wuts a Deal - Life Events - Wildcard
4) Convergence – Promos Social Messaging Commerce Payments
5) Power of the Pin – Spot, Save Share-with-Friends & Click to Bu
6) MarketStream - 11 Market Segments
7) CitiMart Commerce – 6 Digital Classifications, Emphases on Services & Community
8) SmartContracts – Asset Certification w/Mgmt. Services
We Deliver More For Every Facet of Your Day

16. MoniChain – Breaking the Boundaries of Blockchain
Utilizing a Power PostgreSQL Database, Value can be calculated in real time in POS transaction, or worst
case. Afterwards. Its not Cash Backs….it’s better - Perks & Promos – w/Pay Outs
Example: Data Stream Capture and Calculate. (PostgreSQL Database)
MoniID – Company - Store – Location – Dept - Product/Service – Qty - Promo – Date – Time
Merchant Partners: We will co-develop, pilot and test with Big Chains Country by Country.
The MoniPlus MarketStream Interface will ease the installation & support of Big Retailers.

17. The 1st
MarketSocials
GoMainSt w/PocketPlus USA – Designed for Shopping
MarketSuite 8
Ad Windows: Showcase - PocketPlus – Weekly Billboards – Life Events – CitiAds – CitiMart - MoniAds
1. Showcase – Highlight Products & Services
2. PocketPlus – Wuts New! Wuts Hot1 Wuts-a-Deal! – Life Events
3. Weekly Billboards – Autos, Malls, Education, Grocery Stores,
4. Life Events - People Places & Community Events
5. CitAds - Buy & Sell City Marketplace
6. CitMart - Buy and Sell Online Stores, Restaurants & Services
7. Messenger - Chat, Message, Stream or Call
8. AI SmartShopper - Personal & Private Assistant
MarketStream
CitiLife - Dining - Home - ProServices – Education - Wealth - Charity – Faith - Travel -Education – Civic
MoniAd Server
1. MoniPlus w/MoniPromos & MoniPoints
2. Wuts New. Wuts Hot. Wuts-a-Deal & Life Events
3. Internet Commerce /Merchants
4. AI SmartShopper – Personal
5. CitiLife Beacons – Promo5X w/Personal Points Proximity
6. MoniPlus Wallets – MoniCoins w/Personal Points of Proximity & MoniAds

18. StreetTalk.Buzz
One World | Many Voices
MarketSocial Promotion Commerce
1. Chatter
2. uNote
3. TeleTalk
4. uStream
5. StreetView
1. Showcase
2. PocketPlus
3. MoniAds
1. CitiMart
Formulas that Deliver New Capabilities
1. 5-in-1 Media Advantage w/Print – Internet – Mobile – Beacon - SmartMoni
2. Convergence w/Promos | Social | Messaging | Commerce | Payments
3. Points of Proximity w/Discovery – Spot, Save, Share-with-Friends & Click to Buy
4. Payments – w/MoniCoins -Local Currency, ZeroPlus Fees, Moni-ID
5. Value Plus - w/MoniPlus w/MoniPromos & MoniPoints w/AI SmartShopper
6. MarketStream - CitiLife | Dining | Home | Healthcare | Professional | Investing | Charity |
Faith | Education | Travel | Education Civics
Note: Twitter loses money. It provides limited depth i.e. Market Segments. It provides no
mechanism for People Places & Community to MONETIZE - Products, Services - Events.
We utilize the same MarketSocial Platform as GoMainSt, in fact – this is complimentary

19. GoMainSt w/PocketPlus USA
Blanket USA Coverage - Coast to Coast
Nat'l Launch - August 2019
A New Type of Shopping
5-in-1 Media Advantage
Print | Internet | Mobile | Beacons | SmartMoni
8 Million PocketPlus Published & Distributed Free All Month Long
Lowers the COST of Print & Promotion Advertising by 85% with more Coverage All Month Long
We've partnered w/101 Grocery Chains in 100 Metros/2,135 Cities @ 13,400 Locations
Nat'l Launch in USA - August 2019
Market Launch – Local to Global
Target: 785 National Retail, Restaurant & Service Chains
Target 18 Million Places across the MarketStream
Target: 3,000 Commerce Internet Sites
Products: Showcase - PocketPlus – Weekly Billboard – Life Events – CitiMart – MoniAds w/MoniPlus
Markets: CitiLife - Dining - Home - ProServices – Education - Wealth - Charity - Faith - Travel -Education - Civic
12 Month Forecast is $234 Million
1st Month - $50,000 for each Ad – Launch 100 Merchants - $5 Mill Revenue/$2.6 Mill Profit
Much of this is Service Sector & Charities, Faith & Govt – Services is Wide Open – 10 Mkt Segments
Promotions - Social - Messaging – Commerce - Payments
Convergence

20. Formulaics Guarantee Greater Success
Companies have a single formula – we layer them for exponential results
MarketSocials
A. GoMainSt – PocketPlus: 11 Market Sectors within a Metrocentric Area
B. PocketPlus – 5X Ways to Promote Your Business without giving it away.
C. 108 Cities with 134 Grocery Chains at 13,400 locations
D. Nat’l Chains: Restaurants, Retail and Service Chains on board PocketPlus USA
E. MarketSocial – People with Purpose 9x Engagement (LinkedIn vs FaceBook)
F. 5-in-1 Media Advantage – Print | Internet | Mobile | Beacon | SmartMoni
G. Convergence – Blending of Promotions Social and Commerce
H. New Ad Model – Promotions equals Discovery vs Ad Trolling
I. The Power of the Pin –Discover w/Spot, Save, Share-with-Friends & Click-to-Buy
J. CitiMart – 6 Digital product mixes broken out by 11 markets: Products Services Community
K. CitiMart & CitiAds - Smart Contracts w/Commerce
MoniServices
1. MoniCoins: Universal Brand w/ZeroPlus Fees, Moni_ID, Instant Payments & Transfers
2. MoniPlus w/MoniPromos & MoniPoints
3. MoniPromos - Loyalty, Rewards, Incentives, Promos
4. MoniPoints – Rewards – Incentives – Promotions
5. AI SmartShopper
6. MoniAds – Discovery w/Spot, Save, Share, Click-n-Buy
7. SmartMoniCenters: Save Secure & Convenient
8. MoniDepot – In Store Kiosks
9. MoniChain | MoniSwift.net
Baseline
1. Brands
SmartMoni - GoMainSt – PocketPlus – CitiMart - StreetTalk – MoniPlus
2. Convergence
Promos – Social – Messaging – Commerce
3. MarketStream
CitiLife, Dining, Home, Health, Services, Investing, Charity, Acts of Faith, Politics, Travel, Lati
4. Merchant Partners
Mobile Carriers, Retail, Grocery and Convenience Stores.
Our Business is Prosperity for Everyone

21. Market Token – True Value
A New Market Vehicle Equity Offerings
1. MTO - Market Token (SmartMoni will be the 1st at Singapore MoniExchange)
Companies do not operate in a Vacuum, they are Connected to the Marketplace
The goal is to improve current methodology. An MTO Reflects True Market Value
MTO - MarketToken
[ It's Not an ICO nor STO, It's Better ]
Earnings - Capital – Growth
Markets - Merchants - Products - Services - Members
Brand - Innovation - Employees - Training - Community
Verified Performance, Public Transparency, Legal Accountability, Market Affinity
Rewards Bonuses Perks Benefits Payouts
MTO Index - 5 Star Rating System
True Value
1. 6 Value Bumps in 12 Months
1. 4 Site Build Out – SmartMoniCenter, GoMainSt, StreetTalk w/MoniAds
2. USA National Launch of GoMainSt w/PocketPlus USA in 100 Metros/2,135 Cities
3. 785 USA Nat’l Retail, Restaurant, Service Chains Adoption of MoniPlus
4. USA Acquisition/Merger of National Distributor for PocketPlus @ 100 Metros
5. SE Asia Expansion into Singapore, Malaysia, Philippines & Australia – (Singtel 22 Countries)
6. Form Merchant Circle – Mobile Carriers & Big Merchant Chain Partners in USA / SE Asia
• USA establishes the Global - Country by Country Model
• 789 Mobile & Merchants – Just 100 @ $20 Million Per = $2 Billion
• 101 Grocery Store Chains – Just 10 @ $20 Million Per = $200 Million
2. 3+1 Global Phased MTO Offering
This is based upon Operational Value Benchmarks that we expect to reach within 12 Months.
Each forms the basis and opportunity to raise more Capital and enhance MTO Value.
SmartMoni MTO Schedule
1. Launch - $30 Million May 15, 2019 – June 15, 2019
2. Market - $200 Million July 15, 2019 – Oct 1, 2019
3. Partners - $2 Billion Oct. 15, 2019 – March 15, 2020
4. Global - $X Billions Jan 2020 – Jan 2022

22. SmartMoni – Intelligence in Every Transaction
Speed, Security & Resilience - Delivering Value Added Services

23. MarketSocials - 5-in-1 Media Advantage – Coast to Coast
We lower the Cost of Metro Advertising by 80% and Give You More

24. A New Business Model for Moni
Instead of Transactions Fees, we Promote People Places & Community
We Partner with Merchants
At the Entrance of Every Store – All Month Long
USA - 101 Grocery Chains in 100 Metros/2,135 Cities @ 13,400 Locations

25. A National Brand - Quick to Market with Quick Results
Profitable in our 1st
Month Launch with 25% Growth with Recurring Revenues

26. Old Habits Die Hard
Cash is convenient. Cash is private. Cash is intuitive. Cash does not incur explicit transactions costs.
Is Privacy a Concern?
We Reinvent Privacy & Bring it Home
It Changes Everything
Poll – A Cashless World
1. 9%
2. 7%
3. 16%
4. 67%
No Opinion
All for It
Okay with It
Against It
4,493 Polled in March 2019
1. I can’t count the number of Launches for Mobile Payments. All with a lot of fanfare.
6 Months later, how’s it going…. Well……soon soon - it will catch on. For the last 15 Years.
2. People are creatures of habit; they usually need a REASON to CHANGE
3. Cash is Private, our Moni-ID reinvents Privacy and Brings it Home again. This might help.
4. One of my 1st Jobs was CDC/IBM Service Bureau. We automated Big Corporations Accounting
Depts. Did Timeshare on our Data Center and later installed In-house Systems.
5. As an Account Executive, we were taught how to Introduce & Manage CHANGE in a Company.
All it took was one person to muck it up. We immersed ourselves into their culture & shifted them
forward. “The willingness to change cannot be assumed; It needs to be motivated, led and
managed throughout the entire process. As a direct result, it turns out better every time”.
Its Why – I Designed:
SmartMoni w/MoniPlus – We Put the “I” in Moni & Give You More
Old Habits Die Hard but People can be motivated to change by Real Value & Benefits.
We provide a Reason to Change = MoniPlus! We give You More in Every Transaction.
It also builds relationships and stronger communities. Prosperity is for Everyone.
Local
to Global