KONZORTIA CAPITAL Pitch Deck

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KONZORTIA CAPITAL Pitch Deck
Pitch Deck

                                  KONZORTIA
                                               CAPITAL
                       Redesigning the financial industry
                that everyone else takes for granted

             invest@konzor�a.capital
             MAILTO:INVEST@KONZORTIA.CAPITAL    h�ps://konzor�a.capital/
                                                HTTPS://KONZORTIA.CAPITAL/
KONZORTIA CAPITAL Pitch Deck
INDEX                                                                                                                 02

1._Overview . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .     3
1._a._Investors Problems . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .              4
1._b._Solu�ons for Investors . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .                5
1._c._What is it? 1. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .    6
1._d._Corporate Structure . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .               7

2._What am I investing in? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .                8
1._a._Ownership Distribu�on . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .                   9
1._b._Special Purpose Vehicle . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .                10
1._c._KOR – A New Asset Class . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .                  11
1._d._Exit Strategy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .      12
1._e._Offering Details . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .        13
1._f._What to expect? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .          14
1._g._Compe��ve Analysis . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .               15

3._How do we do it? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .          19
1._a._Industry Problems . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .            20
1._b._Solu�ons . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .     21
1._c._The Product . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .      22
1._d._Business Model . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .           27
1._e._Compe��on . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .        29
1._f._Addressable Market
                     .............................................                                               30
1._g._Compe��ve Advantage          ......................................                                        34
1._h._Go to Market Strategy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .                37
1._i._Financing Stages & Valua�on      ....................................                                      41
1._j._Key points . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   42
1._
KONZORTIA CAPITAL Pitch Deck
03

      1
OVERVIEW
 The investment opportunity
 and the company behind it.
KONZORTIA CAPITAL Pitch Deck
04

____Investor´S Problems
____Economic contrac�on generated
____by COVID-19 has led to:

Devalua�on of por�olios
Net worth losses
Capital preserva�on failures
KONZORTIA CAPITAL Pitch Deck
05

____Solutions
____A sophis�cated investment opportunity

        Expected to pay out      Which could allow you    With the poten�al to
        yearly dividends and       to grow your net       let you recoup your
       con�nuosly appreciate      worth income and          losses and turn a
                                 preserve your capital.     significant profit.
06
                      What is it?
                        KONZORTIA CAPITAL                                                                     100%
                                                                                                               owned by
                        The holding of a FinTech consor�um formed by InveStart, Novabank and                Konzor�a Capital
                        Capitalista.

                        A por�on of the holding´s equity is a liquid new asset class named Kor.

                        Konzor�a Capital will implement a distributed ledger ecosystem (KCDL) to
                        serve as a global pla�orm for the en�re financial industry to operate.

     100%               The KCDL will employ a digital transac�onal currency named Koura.            GLOBAL INVESTMENT BANK,
      owned by
   Konzor�a Capital                                                                                    BROKERAGE FIRM AND
                                                                                                         ASSET MANAGER

                                                                      BRAND

                                                                                                           100%
                                                                                                            owned by
                                                                                                         Konzor�a Capital

UNIVERSAL PRIVATE
EQUITY PLATFORM

                                                                                                   ONLINE BORDERLESS RETAIL
                                                                                                    AND COMMERCIAL BANK
07
              Corporate Structure

                                                                            Shareholders

                                   Mr. Gomez is an entrepreneur by                         Mr. Gomez has a degree in business
               Founder & CEO       nature,     with     an    extensive
                                                                                           administra�on, with an emphasis in    Co-Founder & COO
                                                                                           banking and finance, graduated
                                   background and formal educa�on in                       from the Universidad La�na de Costa
                       Walter      business and finance. He has over 15                     Rica. Mr. Gómez has experience in            Donnie
                                   years of experience in crea�ng                          tax and management consul�ng,                Gomez
                       Gomez       successful and innova�ve start-ups                      specializing   in      cross border
                                   in real estate, B2B, and various B2C                    transac�ons, digital transforma�on,
                                   companies.                                              financial planning, interna�onal
                                                                                           taxes and business reorganiza�ons.

  CFO                              Capital Development                    Legal Director        Marke�ng Director                         CBDO            CTO
   Muzzafar                                         Mike                        Natasha                      Aadhya                         Armando         Angel
    Iqbal                                          Morgan                       Cadavid                      Agarwal                        Jimenez         Silva

Accoun�ng     Execu�ve Assistant     Investors Rela�ons                                                                                 BD Mexico      India Team
                                            Team                                   Graphic & Video Content Crea�on
    Andrea            Hector                                                           Design                                                 João
    Vechio           Miquilena                                                                                                              Loureiro
                                                                                             Anabel                    Carlos
                                             Kevin Cas�llo                                  Miquilena                 Espinosa

                                       James Lam     Cecilia Vichi
08

                                                                   WHAT AM I
                                                                                                                                                   2
                                                                INVESTING IN?
                                                                                  Discover a New Asset Class and its benefits
Disclaimer: Statements in this presenta�on are not historical facts. They’re looking forward-looking statements based on current expecta�ons of future events and are subject to risks and uncertain�es that could cause actual results to differ materially from
those expressed or implied. Past performance is not necessarily indica�ve of future results. All investments carry risk, and all investment decisions of an individual remain the responsibility of that individual.
09
                                    Ownership Distribution
                     The holding company will be registered as a corpora�on
                     in Canada.

                                                                                                                                      Founders’ and Employees’ equity will be diluted a�er
                     Ini�ally, the ownership distribu�on will be as follows:
                                                                                                                                      the company goes through the different financing
                                                                                                                                      rounds. Ownership is expected to be distributed once
                                                                                                                                      all rounds are completed, as shown in the chart below.
                                                                                                 SPV
                        Pre-seed
                                                                                                 6,7%
                          6,3%                                                                                                        Special Purpose Vehicle

                                                                                                                                      To be registered in USA (Delaware). It will not suffer any
                                                           Founders &                                                                 dilu�on.
                                                           employees
                                                              87%                               Founders &
                                                                                                Employees
                                                                                                    21%
                                                                                                                                                           C                  B               A

                                                                                                                                          D
                                                                                                                                                        15%               15%             15%
                                                                                                                         E
                             Projected Ownership Distribu�on                                                                          11%
                                                                                                                     15%                                                                                     SPV            Pre-Seed
                             A�er Series A-E (financing rounds)                                                                                                                                             6,7%              6,3%

Disclaimer: Statements in this presenta�on are not historical facts. They’re looking forward-looking statements based on current expecta�ons of future events and are subject to risks and uncertain�es that could cause actual results to differ materially from
those expressed or implied. Past performance is not necessarily indica�ve of future results. All investments carry risk, and all investment decisions of an individual remain the responsibility of that individual.
10
                                    Special Purpose Vehicle

                   The SPV will own 13% of the shares of Konzor�a Capital’s holding company. The main purpose of the SPV is to have a
                   limited cap table in the holding company.

                   Ini�ally, the SPV will be represented by one of Konzor�a Capital´s directors. Once the private placement is completed, SPV
                   investors will then be represented by one of the largest investors of the company.

                                                                                         SPV
                                                                                         13% of the shares
                                                                                                                                               SPV´s Equity
                                                                                         of Konzor�a
                                           13%                                                                                                 1 Share = 1 KOR
                                                                                         Capital´s
                                                                                                                                                         Total Amount of equity
                                                                                                                                                          12,149,422.2 shares

                                                                                                                                                             Early Stage Investors
                                                                                                                                                             2,918,652.91 KOR

                                                                                                                                                          Special Offering August 2020
                                                                                                                                                          488,489.30 KOR

Disclaimer: Statements in this presenta�on are not historical facts. They’re looking forward-looking statements based on current expecta�ons of future events and are subject to risks and uncertain�es that could cause actual results to differ materially from
those expressed or implied. Past performance is not necessarily indica�ve of future results. All investments carry risk, and all investment decisions of an individual remain the responsibility of that individual.
11
                                    KOR – A New Asset Class
                                                                                                                                                                                     TRADE IT

                                                                                                                                                                                     It will be listed
                                                                                                                                                                                     in Capitalista´s NAO Index
                                                                                                                                                                                     and it can be traded
                                                                                                                                                                                     alongside other digital
                                                                                                                                                                                     assets.

                                                OR
                    KOR represents private equity of the SPV.
                                                                                                                                                                                     RECEIVE DIVIDENDS

                                                                                                                                                                                     It is expected to pay out
                                                                                                                                                                                     yearly dividends received
                                                                                                                                                                                     from the proceeds of the
                                                                                                                                                                                     Holding Company.

                    Due to its innova�ve features Kor is
                    considered to be a New Asset Class.                                                                                                                              STORE IT

                                                                                                                                                                                     Investors will be able to
                                                                                                                                                                                     store it in their own
                                                                                                                                                                                     digital vaults.

Disclaimer: Statements in this presenta�on are not historical facts. They’re looking forward-looking statements based on current expecta�ons of future events and are subject to risks and uncertain�es that could cause actual results to differ materially from
those expressed or implied. Past performance is not necessarily indica�ve of future results. All investments carry risk, and all investment decisions of an individual remain the responsibility of that individual.
12
                                    Exit Strategy
            The SPV enables Kor, as a unique new asset class, to
            be listed in a secondary market. This represents a
            great advantage for investors, as it allows them to
            have a clear exit strategy.

            Pre-NAO
                                                                                                                                         KOR

                                                                                                                                                                                              KOR
            Previous to the New Asset Offering stage, the
            Pre-NAO can be seen as a beta version of the NAO
            Index, featuring the lis�ng of KOR. This allows an
            exclusive group of investors to liquidate a por�on of
            their posi�ons while s�ll earning a revenue.

            NAO

            As the NAO index is officially launched, the New
            Asset Offering will take place. In similar fashion to
            an IPO, this will be the stage in which investors will
            be able to liquidate the asset at a market price, as
            KORs will be freely traded.

Disclaimer: Statements in this presenta�on are not historical facts. They’re looking forward-looking statements based on current expecta�ons of future events and are subject to risks and uncertain�es that could cause actual results to differ materially from
those expressed or implied. Past performance is not necessarily indica�ve of future results. All investments carry risk, and all investment decisions of an individual remain the responsibility of that individual.
13

                                    The Offering

                                    The Offering                                                                                         Private Placement Registra�on:

                                    __Price per Share: US$0.65                                                                          __SEC REG D 506 (c) Exemp�on

                                                                                                                                        Allocated Equity:
                                    __1 Block= 40,000 Kor
                                                                                                                                        __9,230,769.23 KOR
                                    __Price per block = US$26,000.00
                                                                                                                                        Hard Cap:

                                    SPV´s Private Placement Term Sheet                                                                  __US$6,000,000.00

                                    __Total Amount of equity 12,149,422.2                                                               So� Cap:
                                    __Type: Digital Equity
                                                                                                                                        __US$3,000,000.00
                                    __Name: Kor
                                    __Symbol: KOR                                                                                       Edgar filing:

                                                                                                                                        https:/ www.sec.gov/Archives/edgar/data/1795802/000179580219000002/xslFormDX01/primary_doc.xml
                                    An SPV will be created, which will own the shares issued                                            h�ps://www.sec.gov/Archives/edgar/data/1795802/
                                    in the new funding stage. The shares will be represented
                                                                                                                                        000179580219000002/xslFormDX01/primary_doc.xml
                                    as KOR, which will be the backing for the Koura digital
                                    currency.

Disclaimer: Statements in this presenta�on are not historical facts. They’re looking forward-looking statements based on current expecta�ons of future events and are subject to risks and uncertain�es that could cause actual results to differ materially from
those expressed or implied. Past performance is not necessarily indica�ve of future results. All investments carry risk, and all investment decisions of an individual remain the responsibility of that individual.
14
                                    What should I expect?
                                                                                    Projected Trading Value                                                                                                       US$107.00

                          SPV Shares Value
                          Pre-NAO. . . . . . . . . . . . . $9,776,000.00                                                                                                             US$48.64
                          Round A. . . . . . . . . . . . . $10,400,000.00
                          NAO. . . . . . . . . . . . . . . . . $23,616,666.67
                          Round B. . . . . . . . . . . . . $43,333,333.33
                          Round C. . . . . . . . . . . . . $173,333,333.33
                          Round D. . . . . . . . . . . . . $590,909,090.91
                          Round E. . . . . . . . . . . . . $1,300,000,000.00
                                                                                                                                                      US$14.27

                                                                                                                         US$3.57

                                                                                          US$1.94
                             US$0.80                       US$0.86
   Price per Kor
                            Pre-NAO                         Round A                          NAO                         Round B                       Round C                        Round D                        Round E

Disclaimer: Statements in this presenta�on are not historical facts. They’re looking forward-looking statements based on current expecta�ons of future events and are subject to risks and uncertain�es that could cause actual results to differ materially from
those expressed or implied. Past performance is not necessarily indica�ve of future results. All investments carry risk, and all investment decisions of an individual remain the responsibility of that individual.
15
                                    Competitive Analysis
                                                                                                                                                                                                Regular Private
                                  Feature              New Asset Class                   Stocks                Mutual Funds                 Real Estate                     Gold
                                                                                                                                                                                                  Companies

                               Diversifica�on
                              through a single
                                 investment

                                  Liquidity

                                  Low Risk

                                Fees involved

                                 Dividends

                                Possibility of
                                exponen�al
                                   growth

                               Bragging Rights

Disclaimer: Statements in this presenta�on are not historical facts. They’re looking forward-looking statements based on current expecta�ons of future events and are subject to risks and uncertain�es that could cause actual results to differ materially from
those expressed or implied. Past performance is not necessarily indica�ve of future results. All investments carry risk, and all investment decisions of an individual remain the responsibility of that individual.
16
                                    KOR Financing Stages
                                    & Liquidity Points

                                    Private Sale Price Stage I                                   US$0.50 per Kor
                                    Private Sale                                                 US$0.65 per Kor                                                                    US$1.94
                                    PRE-NAO Price                                                US$0.80 per Kor
                                    Price at NAO                                                 US$1.94 per Kor

                                                                                                                                    US$0.80
                                                                                    US$0.65
                                    US$0.50

Disclaimer: Statements in this presenta�on are not historical facts. They’re looking forward-looking statements based on current expecta�ons of future events and are subject to risks and uncertain�es that could cause actual results to differ materially from
those expressed or implied. Past performance is not necessarily indica�ve of future results. All investments carry risk, and all investment decisions of an individual remain the responsibility of that individual.
17
                                    Projected Dividends per KOR

                    US$0.00
                                                                                                                                                                                DIVIDENDS YR 1
                                          US$0.02
                                                                                                                                                                                DIVIDENDS YR 2
                                                                           US$0.22
                                                                                                                                                                                DIVIDENDS YR 3
                                                                                                    US$1.03
                                                                                                                                                                                DIVIDENDS YR 4
                                                                                                                                            US$4.35
                                                                                                                                                                                DIVIDENDS YR 5

Disclaimer: Statements in this presenta�on are not historical facts. They’re looking forward-looking statements based on current expecta�ons of future events and are subject to risks and uncertain�es that could cause actual results to differ materially from
those expressed or implied. Past performance is not necessarily indica�ve of future results. All investments carry risk, and all investment decisions of an individual remain the responsibility of that individual.
18
                                    Offering Details

            Case Study
            Investment of 2 blocks                                                                                                 5 Year Projec�ons
            Ini�al Investment. US$52,000.00
            Price per Kor: US$0.65                                                                                                 Ac�ve Posi�on: 47,835.05 KOR
            Posi�on Size: 80,000 Kor
                                                                                                                                   A�er liquida�ng during NAO your ac�ve posi�on would be expected to yield
                                                                                                                                   the following returns:
                                       Short Term Exit Strategy                                                                     15,000%
                                                                                                                                                                                                                     10,493%

                                                                                                                                    10,000%
            Let’s picture a situa�on in which you could liquidate a por�on of
            your posi�on to get your ini�al investment back with a return.                                                           8,000%

                                                                                                                                     5,000%                                                          4,717%
            During NAO you could get your ini�al Investment back + 20% ROI
            and let the rest of the posi�on appreciate. It could look like this:                                                     2,000%
                                                                                                                                                                                    1,456%
                                                                                                                                         0%         299%            450%

                           CURRENT ASSETS                                                                                                             Yr 1           Yr 2            Yr 3            Yr 4           Yr 5
                           Cash and cash                                                                                                                                  Post NAO – Projected ROI
                                                               $62,400.00
                           equivalents                                                                                                      Expected Trading Value                  Projected Compound Dividends
                           Shor term marketable                $92,800.00 (Value for                                                        $92 984,11 NAO                          Yr1: US$0
                           securi�es                           Ac�ve Posi�on in Kor)                                                        $170 613,05 Round B                     Yr2: US$956,70
                           Total Assets                        $155,200.00                                                                  $682 452,21 Round C                     Yr3: US$11,480.41
                                                                                                                                            $2 326 541,62 Round D                   Yr4: US$80,750.51
                                                                                                                                            $5 118 391,56 Round E                   Yr5: US$268,832.98

Disclaimer: Statements in this presenta�on are not historical facts. They’re looking forward-looking statements based on current expecta�ons of future events and are subject to risks and uncertain�es that could cause actual results to differ materially from
those expressed or implied. Past performance is not necessarily indica�ve of future results. All investments carry risk, and all investment decisions of an individual remain the responsibility of that individual.
19

HOW DO WE
          3
    DO IT?
 This is how the magic happens
20
             Industry Problems

                    1   THE NEED FOR A MORE INCLUSIVE
                        AND EFFICIENT FINANCIAL INDUSTRY

                        The current financial industry has
                                                                      2         LACK OF A VERSATILE
                                                                                INVESTMENT VEHICLE

                                                                                There is a need for a liquid asset
                        limited accessibility and connec�vity.                  that allows investors to gain
                        This affects the transparency and                        growth and dividends without
                        execu�on �mes of transac�ons.                           compromising security.

3   DIFFICULTY IN RAISING
    CAPITAL
    Startup companies and
                                             4         RESTRICTED FINANCIAL
                                                       INDUSTRY
                                                                                                   5         THE NEED FOR REAL TIME,
                                                                                                             COST-EFFECTIVE WORLDWIDE
                                                                                                             TRANSFERS
                                                       Current financial markets have many
    projects, in general, face                         obstacles related to ins�tu�onal,                     Transferring money among different
    unnecessary challenges when                        geographical and economic factors.                    countries can be expensive and
    trying to raise capital.                           They need to become fully accessible.                 inefficient, some�mes even
                                                                                                             impossible.
21
               Solutions

                                               A simple way of raising capital

                                                Startups from anywhere will be
Revolu�onizing the                               able to easily raise capital and
Financial industry                             take their equity from private to
                                            liquid through a seamless process.
Redesigning the financial industry,
making it accessible for everyone
in the world. Giving its
par�cipants access to a common                       Online trading at no cost
environment for easy, secure and
efficient transac�ons.                             The ability to trade any liquid
                                                asset (stocks, bonds, equi�es,
                                               commodi�es, etc) anywhere in
                                            the world at no cost, coupled with
                                                 access to professional wealth
A New Asset Class                                                 management.

Giving investors a flexible financial
instrument that offers the growths and
dividends of an equity with the liquidity      Instant global money transfers
of a publicly traded stock.
                                                      Borderless banking with
                                              cost-effec�ve transac�ons in real
                                                      �me, online and offline.
22
The Product
Konzortia Capital
                    __The private holding of a Fintech
                    __consor�um of startup companies formed
                    __by InveStart, Novabank and Capitalista.

                    __Intends to develop a framework using a
                    __descentralized ledger, for Novabank,
                    __Capitalista and InveStart to carry financial
                    __interac�ons among them and with other
                    __companies.

                    __Konzor�a Capital´s descentralized ledger
                    __(KCDL) will allow interconnec�vity for the
                    __exis�ng par�cipants of the financial
                    __industry and Enterprise Services.
23
The Product
Koura
It works as the transactional currency         Konzor�a Capital´s Distributed Ledger, InveStart,
of the consortium.                             Novabank and Capitalista will operate with their own
                                               transac�onal currency named Koura (as well as fiat
                                               currency).

       It can be transferred and stored
                                               Its value will be stable, it will allow transac�ons to take
       using Novabank.
                                               place among currencies, minimizing the impact suffered
                                               by the exchange rates.

                                                                                                                                                    Home          Trade            ClickFunnels     Education           FAQ                 DEPOSIT            Profile        ?

       It can be used to invest in a new
       venture on InveStart.                             Market                                                                                                                                                                  Bookmarked Coins
                                                                           USD   BTC   SKL
                                                                                                          KOR/USD                                                                       10,061.52    10,064.62
                                                        Enter coin name
                                                                                                          ASK 1300.02    BID 1322i.02                                                      SELL         BUY
                                                                                                                                                                                                                        Koura (KOR)      +3.72%          Skala (SKL)      +3.72%

                                                Coin             Price       Volume             Change                                                                                                                  $11,324.50                       $924.50

                                                       KOR    $11,200.50    96000.50            +3.72%                                                                                                                  Balance: 1.201456                Balance: 1.201456

                                                       SKL    $900.525     328000.50             -2.72%

                                                       KOR     $1.542015   1296000.50           +3.72%
                                                                                                                                                                                                                                 My Orders
                                                       KOR     $124.525     28000.50             -2.72%                                                                                                                           OPEN              CLOSED        CANCELLED

                                                                                                                                                                                                                        Coin                Price         Amount              Date
                                                       SKL    $11,200.50    96000.50            +3.72%
                                                                                                                                                                                                                           KOR        $11,200.50        1.234000         22/03/19
                                                                                                                                                                                                                                                                              18:33
                                                       SKL    $900.525     328000.50             -2.72%
                                                                                                                                                                                                                           SKL        $900.525               2.5032      22/03/19
                                                                                                                                                                                                                                                                              18:33

                                                       KOR     $1.542015   1296000.50           +3.72%
                                                                                                                                                                                                                                      $1.542015                          22/03/19
                                                                                                                                                                                                                           KOR                          12960.50              18:33

                                                       KOR     $124.525     28000.50             -2.72%
                                                                                                                                                                                                                                       $124.525              12.5024     22/03/19
                                                                                                                                                                                                                           KOR                                                18:33

       It can be used to invest in any asset             Balance

                                                         Koura (KOR)
                                                                                             DEPOSIT

                                                                                   1.12302000 BTC
                                                                                                             Order Book KOR/USD
                                                                                                                                                                                                                           SKL

                                                                                                                                                                                                                           SKL
                                                                                                                                                                                                                                      $11,200.50

                                                                                                                                                                                                                                      $900.525
                                                                                                                                                                                                                                                        1.234000

                                                                                                                                                                                                                                                             2.5032
                                                                                                                                                                                                                                                                         22/03/19
                                                                                                                                                                                                                                                                              18:33

                                                                                                                                                                                                                                                                         22/03/19
                                                                                                                                                                                                                                                                              18:33

       listed in the NAO Index.
                                                                                             $12,000.50                                                                                                                                                                  22/03/19
                                                                                                              Sum BTC                      Amount                Bid        Ask            Amount             Sum BTC      KOR        $1.542015         12960.50              18:33

                                                                                       3.123020 SKL
                                                         Skala (SKL)                                         1,032.852                  1,032.852    11,025.25         11,025.25        1,032.852       1,032.852                                                        22/03/19
                                                                                         $12,000.50                                                                                                                        KOR         $124.525              12.5024          18:33
                                                                                                             1,032.852                  1,032.852    11,025.25         11,025.25        1,032.852       1,032.852
                                                                                                             1,032.852                  1,032.852    11,025.25         11,025.25        1,032.852       1,032.852
                                                                                                             1,032.852                  1,032.852    11,025.25         11,025.25        1,032.852       1,032.852
                                                                                                             1,032.852                  1,032.852    11,025.25         11,025.25        1,032.852       1,032.852
                                                                                                             1,032.852                  1,032.852    11,025.25         11,025.25        1,032.852       1,032.852
                                                                                                             1,032.852                  1,032.852    11,025.25         11,025.25        1,032.852       1,032.852
24
The Product
InveStart
              A globalized private equity
              pla�orm

              __Making      it   possible   for
              __companies in any stage, of any
              __size and in any jurisdic�on to
              __raise capital from anywhere in
              __the world.

              __Allowing investors to find
              __unicorns with a clear exit
              __strategy.

              __Redesigning        a   company's
              __financing          journey       by
              __transforming its private equity
              __into a liquid, tradeable asset.
25
             The Product
             Novabank                                                               The new borderless banking

                                                                                    __Enabling secure instant global
                                                                                    __money transfers in real �me,
                                                                                    __for free.

                                                                                    __Blurring    the   difference
                                                                                    __between remi�ance and
                                                                                    __banking services.

                                                                                    __Allowing    businesses   and
                                                                                    __individuals    to     process
                                                                                    __payments in real �me,
                                                                                    __anywhere in the world.

   The home of
                                                                             The corporation is currently registered in
                                                                             Canada. It holds a remittance license that
convenient banking

                                   KOU-147xyJEWS5GhSFu13

                       Enable Face ID to log in to your DTB Mobile Banking
                                                                             facilitates the execution of the 1st stages of our
                                 app and authorise transac�ons

                                - KOU 10.00 +                                go to market strategy.
                                             PAY
     Get Started
26
The Product
Capitalista
              The next genera�on of financial
              services

              __Allowing investors to trade any liquid
              __asset globally for free.

              __Introducing the first global secondary
              __market, similar to a global stock market.

              __Making por�olio management services
              __accessible for everyone.
DISTRIBUTION
                                                                                                                                                                        CHANNELS
                                                                                                                                                                                                27
                   Business Model
                   Distribution Channels                                                                        Konzor�a Capital Distributed Ledger                     Distributed Ledger
                                                                                                                             (KCDL)
                                                                                                           KCDL; fully owned by Konzor�a Capital, will be providing
                                                                                                           InveStart, Novabank and Capitalista unlimited licensing
                                                                                                           rights for opera�onal purposes and commercial use.

                                                                                                                                                                        InveStart´s Mobile
                                                                                                                                                                           & Web App

                                                                                                                                                                      Private Equity Pla�orms

                                                                                                                                                                        Capitalista´s Mobile
                                                                                                                                                                           & Web App

                                                        Liquidity
                                                        Providers                                                                                                     Capitalita´s Franchises
                                                                                                  Investment bank

                               Governmental
                                ins�tu�ons            Brokerage Firm
                                                                                                                Banks
                                                                           Stock Exchange
                  Venture
                 Capital firm                                                                   Market makers                                                            Novabank´s Mobile
                                                                                                                                                                           & Web App
                                                                                                                             Remi�ance
                                                             Capitalista                                                      Services
                                                             Franchise

Private Equity                                                                   Ins�tu�onal                Payment                                                    Novabank Authorized
  Pla�orm                               Enterprises                                                                                      Novabank Authorized
                                                                                   Investor                Processors                          Center                       Centers
Business Model                                                                                                                                    28
Revenue Generation Streams

                                                Fixed fees for accessing KCDL
                                                based on use of resources.

                                                Distributed ledger services for
                                                entreprises and governments.

                                     Asset Management                                                 Commercializing KCDL Access
                                     A commission percentage out of profits generated for clients.     Fee based services from Remi�ance
                                                                                                      Businesses, Payment processors and
Commercializing KCDL Access          Underwri�ng
                                     Profits from buying and selling NAO assets.
                                                                                                      Investment Banks based on the use of
                                                                                                      KCDL resources.
Private Equity Pla�orms and
Venture Capital firms will pay fees   Spinoffs and M&A
                                     Fee-based advising service.
                                                                                                      Authorized Novabank Centers
based on the use of KCDL                                                                              1% fees of all offline remi�ances.
resources.
                                     Crea�ng Collateralized Products
                                     Buying cheap products, packaging them as securi�es and selling
                                     at a higher price on the market.                                 Payment Processing
Companies Raising Capital                                                                             Percentage based on online and in person
                                     KCDL Dark Pools                                                  payments proccessed.
5% of funds raised.                  Percentage-based fees for dedicated ins�tu�onal transac�ons.

                                     Swaps
                                                                                                      Loans + Credit Cards
                                     Brokering deals through arbitrage transac�ons.
                                                                                                      Income generated through interest rates.
Venture Capital Management
                                     Investment Research
                                     Selling specialized market research.
A percentage of managed                                                                               Trade Finance
ins�tu�onal funds for VC use.                                                                         Profi�ng from le�ers of credit,       bill
                                     Capitalista Franchises
                                     Percentage-based commission for every transac�on.                collec�on, and factoring.

                                     Commercializing KCDL Access
                                     Payments from Brokerage Firms and Investment Banks based         Escrow Services
                                     on the use of KCDL resources.                                    1-2% charges over        the   escrowed
                                                                                                      amounts.
29
             Competition
                        Integrated Fun�ons                                             Wide Offerings

Convoluted                                   Streamlined                                                     Self Sufficiency

                                                           Third Party Dependency

                         Limited fun�ons                                               Reduced offering

                              Secure                                                    Self Sufficiency

Government Restricted                             Open     Higher Fees                                          Lower Fees

                        Easily compromised                                          Third Party Dependency
30
Addressable Market

                                                   ENTERPRISE BLOCKCHAIN
    TAM
 Total Addressable Market
                                                        US$ 32.5 billion

    SAM                           USA          EUROPE             LATAM            ASIA           AUSTRALIA
      Serviceable
        Available       ENTERPRISE          ENTERPRISE        ENTERPRISE       ENTERPRISE        ENTERPRISE
         Market        BLOCKCHAIN           BLOCKCHAIN        BLOCKCHAIN BLOCKCHAIN              BLOCKCHAIN
                            US$ 2 billion   US$ 113 million   US$ 0.51 billion US$ 2.8 billion   US$ 2 billion
31
Addressable Market

    TAM
                                                 PRIVATE EQUITY           CROWDFUNDING              VENTURE CAPITAL
                                                 US$845.56 billion         US$28.8 billion           US$380 billion +
 Total Addressable Market

    SAM                             USA
                            PRIVATE EQUITY
                                                     EUROPE
                                                PRIVATE EQUITY
                                                                          LATAM
                                                                     PRIVATE EQUITY
                                                                                             ASIA
                                                                                        PRIVATE EQUITY
                                                                                                              AUSTRALIA
                                                                                                           PRIVATE EQUITY
      Serviceable              US$301 billion    US$49.3 billion      US$8.4 billion     US$79.1 billion    US$63.5 billion
        Available       CROWDFUNDING            CROWDFUNDING         CROWDFUNDING       CROWDFUNDING       CROWDFUNDING
         Market          US$438.2 million        US$304.8 million      US$23 million     US$82.8 million     US$30 million
                       VENTURE CAPITAL          VENTURE CAPITAL      VENTURE CAPITAL    VENTURE CAPITAL    VENTURE CAPITAL
                           US$50 billion          US$39 billion        US$4.6 billion     US$169 billion     US$1.5 billion
32
Addressable Market

                                                      BROKERAGE /

    TAM
                                                                                     WEALTH
                                                        TRADING                                                     STOCK MARKETS
                                                                                  MANAGEMENT
                                                       ACCOUNTS                                                       US$90 trillion
                                                                                   US$75 trillion
 Total Addressable Market                             US$ 32.5 trillion

    SAM                                USA
                            BROKERAGE / TRADING
                                                           EUROPE
                                                     BROKERAGE / TRADING
                                                                                  LATAM
                                                                           BROKERAGE / TRADING
                                                                                                           ASIA
                                                                                                  BROKERAGE / TRADING
                                                                                                                                     AUSTRALIA
                                                                                                                              BROKERAGE / TRADING
      Serviceable                    ACCOUNTS            ACCOUNTS              ACCOUNTS               ACCOUNTS                    ACCOUNTS
                                US$379.4 billion       US$ 7185 billion     US$408.678 bilion        US$915 trillion             US$8,025 million
        Available
                       WEALTH MANAGEMENT             WEALTH MANAGEMENT     WEALTH MANAGEMENT      WEALTH MANAGEMENT            WEALTH MANAGEMENT
         Market                   US$4.6 trillion      USD$20 trillion        US$ 3.5 trillion       US$ 34 trillion          More than US$ 2.1 trillion
                                STOCK MARKETS         STOCK MARKETS          STOCK MARKETS         STOCK MARKETS                 STOCK MARKETS
                                                                                                                              ASX had an average daily tur
                                 US$23.19 trillion    US$ 410.33 billion     US$ 18.89 trillion   China: USD $ 500 billion
                                                                                                  Japan: USD $ 741 trillion            nover of
                                                                                                                                    a$4.685 billion
33
Addressable Market

    TAM
                                                 DIGITAL PAYMENTS           ONLINE BANKING                REMITTANCES
                                                 US $4,406,431million       US $29,976 million           US $682.60 billion
 Total Addressable Market

    SAM                              USA
                        DIGITAL PAYMENTS
                                                      EUROPE
                                                 DIGITAL PAYMENTS
                                                                            LATAM
                                                                      DIGITAL PAYMENTS
                                                                                                 ASIA
                                                                                           DIGITAL PAYMENTS
                                                                                                                     AUSTRALIA
                                                                                                                 DIGITAL PAYMENTS
      Serviceable
                            US $895 billion      US$708,391 million   US$100,918 million   US$2,458,457million    US$48,752million
        Available           ONLINE BANKING       ONLINE BANKING       ONLINE BANKING       ONLINE BANKING        ONLINE BANKING
         Market              US $7.305 million   US$ 2340.3 Million     US$675 billion       US$38 billion        US$26.9 billion
                              REMITTANCES         REMITTANCES           REMITTANCES         REMITTANCES            REMITTANCES
                            US $19,426 million   US$ 37,513 million     US $85 billion      US $49.85 billion      US$1.86 billion
34
                             Competitive Advantage
KONZORTIA CAPITAL                                    INVESTART
                                                     Business
1 to market
  st
                                                     Digitaliza�on of Securi�es and
                                                     assets with a secondary Market
Incen�ve to financial
industry par�cipants                                 Capital raising for any industry,
                                                     jurisdic�on and stage
Cost effec�ve and
efficient
                                                     Incuba�on + Accelera�on
                                                     + Go to Market
Easy tes�ng/ Seamless migra�on                       Authorized Pla�orms
for financial ins�tu�ons
                                                     White Label
Allowing Central Banks,                              Investors
governments and regulators to
access the pla�orm                                   Ve�ed company ready
                                                     for investors
Private environments for extra
security and transparency                            Seamless inves�ng process
                                                     through Novabank s API
Streamlined interface and
seamless integra�on between
financial services                                    P2P lending
Accessibility for a wide range of
users (newcomers as well as
                                                     Giving Investors an Exit
experienced actors and ins�tu�ons)                   Strategy
35
                         Competitive Advantage
                                                 NOVABANK
                                                 Personal
                                                 Easy to fund (Use any
                                                 currency, fiat or digital)
                                                 Instant global transfers
CAPITALISTA                                      through messages
                                                 Remi�ances that give the unbanked
Global market for digital                        access to a bank account
equity (NAO Index)
                                                 Make payments from your
                                                 phone/watch
Free and accessible
global trading                                   Store money in your
                                                 personal vault
Professional Wealth Management                   Cross pla�orm accessibility
(regardless of account size)                     targe�ng specific users
                                                 Process payments with your
Seamless account funding and                     phone & tablet
liquida�on through Novabank
                                                 Business
                                                 Contactless cards and
Easy signup for Novabank                         QR codes
and InveStart users
                                                 Access your funds in
                                                 real �me
                                                 Added Value to your Business
                                                 (become an authorized center)

                                                 Gain access to a global
                                                 credit pool
36
Competitive Advantage

            How to fund your
           Novabank Account?

             Novabank Account
                 in Koura
37
Research
            Incorpora�on

                            Corporate
                                              Ini�al Staff                                                      Go to Market Strategy
& Concept                    Image
Crea�on

                                                                          Crea�on of
                                                                         ERC20 Koura
                                                                                                                                                        Reg D
                                                                                                           Co-founder                                   Filing
                                                                                                                                                       with SEC
                                                                                                        onboard

                                                                          Novabank                                                                                        
                                                                        Incorpora�on                                                                        D
                                                                                          FINTRAC
                                                                                           License
                                                                                                                                                                          
                                                                                          Novabank
                                                                                                                               SPV
            JV with Skala
                Pla�orm

                                                                                                                                SPV
                                                                                                                              crea�on                                                 Execute Alterna�ve
                                                                                                                                                                                      Funding Strategies
                                                                                                Konzor�a Capital´s
                                                                                                Distributed Ledger
                            Develop Skala´s             Novabank                          (KCDL) Alpha Stage 1
                             Alpha version            Alpha Version

                                                                                                                                                          Novabank
                                                                                                                                                         Beta for Skala                      Development of
                                                                                                                                                           & ERC20                           escrow pla�orm
                Operations                                                                                                                                                                    for Novabank
                                                                                                                                                                                                                         Launch of
                                                                                                                                                  InveStart Alpha                                                  escrow pla�orm
                Development                             Se�ng up
                                                    sales & opera�ons
                                                                                                                        Development of
                                                                                                                          Novabank´s
                                                                                                                                                      Version                                                            Novabank
                                                     office in Offshore                                                     Exchange for
                Legal                                     loca�on                                                           Koura

                Human Capital
                Marketing & Sales
                Financing Round
                                                                                                                                                                          Exchange               Licensing as an
                Year of execution                                                 Novabank Beta                                Intellectual property
                                                                                                                                                                           License
                                                                                                                                                                          in Europe
                                                                                                                                                                                                escrow pla�orm
                                                                                                                                                                                                  for Novabank
                                                                                    with KCDL                                       registra�on
Test of KCDL beta            Launch of KCDL

                       Go to Market Strategy
                                                                                                                                                     version with                  Beta version
                                                                                                                                                     Novabank
                                                                                                                                                                                                        38
                                                                                                                                 Marke�ng for
                                                                                                                                 Novabank´s
                                                                                                                                  pre-launch
                                                                      Series A Filing

                                                                  
                                                                        with SEC         Launch of Novabank
                                          Series A                                      as Neobank in Canada   E-money license
                                       execu�on with                                                           to work as a                                              Liquidity         Crea�ng an
                                       Brokerage firm                                                           Neobank                                                   Providers        Independent
                                                              A                                                in Canada                                                 for Novabank´s     team for
                                                                                                                                                                         Exchange           Novabank
                                                                                                                                     Issuing
                                                                                                                                   Novabank´s
                                                                                                                                   Debit card

                E-money license to work
                as a a Neobank in USA

                                                                                                                                                                                   Launch of
                                                                                                                                                                                  Novabank´s
                                                                                                                                                                                   Exchange
                                                                                            Launch of
                                                                                            Novabank
                                                                                            as Neobank
                                                                                            in USA
                                                                                                                InveStart´s                          Launch of
                                                                                                                Licensing                            Novabank´s
                                          InveStart´s
                                          Incorpora�on                                                                                               Remi�ance
                                                                                                                              Launch of Novabank´s
                                                                                                                                 Remi�ance in
                                                                                                                                 USA & Mexico
   Payment
                                         Development of
  Processing
               Development of           Capitalista´s Alpha
    License
                Novabank app                 version
for Novabank
                 for business                                                                                                                   Crea�on of independent
                                                                                                                                                team for InveStart
                                                                                                                                                                         Operations
                                                                                                                                                                         Development
                                                                  
                                                                                                                                                                         Legal
                                                                                                                                                                         Human Capital
                                                                                                                                                                         Marketing & Sales

                                  Development of                                                                                      Investart JV´s with Angel          Financing Round
                                Novabank´s Hybrid                                                                                     Investors and VC funds
                                Payment Processing                                                                                                                       Year of execution
                                     Pla�orm                                                                   Marke�ng
                                                                                    Launch of
                                                                                                               InveStart
                                                                                    InveStart
Go to Market Strategy
Launch Novabank
payment
processing
+ business App
                      Expansion of
                                                                                                                                                                                                39
                       Novabank
                       Authorized
                         Agents
                        Network
                                            Banking
                                            license
                                           Novabank                                                    Launch of
                                                                                                       Capitalista
                                                                    USA & Canada client´s
                                                                  update of terms of services                         Cross Selling Capitalista
                                               Capitalista´s                                                           to Novabank´s users
                                                Brokerage
                                               and Wealth
Novabank                                       Management                                                                        +
 LATAM                                           License
 Launch

                                                                          Series B

                                                                                          
                                                                           Filing
                                                                          with SEC

                                        Series B                                                                             KCDL issues Local
                                     execu�on with                                                                           Currency                Novabank
                                     Brokerage firm       B                                                                                           expansion                 Novabank
                                                                                                                                                      in Russia            expansion in China
                                                                                                                        Novabank                                              + rest of Asia
                                                                                                                         Africa
  Operations                                                                                     KCDL Phase 3 Latam
                                                                                                 banking integra�on
  Development                                                                                                                
  Legal                                                                   
  Human Capital
  Marketing & Sales
  Financing Round                                                                                                                          KCDL Phase 4            Novabank
                                                                                                                                          African banking          expansion
  Year of execution                             Novabank Launch
                                                in Europe                                       Novabank India
                                                                                                                                                                  in Australia
                                                                                                expansion
Series C Filing

                              Go to Market Strategy                                                                                                                                                      40
                                                                                                                                                                                       with SEC
                                                                                                                                                                  Series C
                                                                                                                                                               execu�on with
                                                                                                                                                               Brokerage firm
                                                                                                                                                                               C
                                                                                                                                                                                                     
                                  Expansion & Growth                                                                                 Novabank
                                                                                                                                      Growth

                                                                                                                KCDL phase 5
                                                                                   KCDL phase 6            Stock exchanges
                                                                                                              LATAM integra�on
                                                                                        Europa TIPS
                                   KCDL phase 7
                                   Canada Stock
                                    Exchange

                                                                                                                                             

                                                                                                       

                                         KCDL phase 8
                                           Australian
                                        Stock Exchange
Series E
execu�on with
                      
                                                  KCDL phase 13
                                                                                                                                                 Series D
                                                                                                                                                 Filing with
Brokerage firm
                                                   Rest of Stock              KCDL                                                                   SEC
                                                    Exchanges             phase 11                                                                                             Operations
                                                                    CB Asia banking
   E
                                                                                                                                                                               Development
                                                                                                                                                                               Legal

                                                                                                                                                                              Human Capital
                                                                                                                        D                                                      Marketing & Sales
                     Series E                         KCDL
                                                    phase 12
                                                                                                                                                                               Financing Round
                    Filing with                                                                                                  Series D
                                                    Wall Street       KCDL phase 10                                              execu�on with
                        SEC
                                                                      European Stock    KCDL phase 9                             Brokerage firm                                 Year of execution
                                                                      exchanges          CHIPS USA
                                                                                          banking
41
               Financing Stages & Valuation
                                                                                                                                                                                                                        Post money
                                                                                                                                                                                                                          valua�on
                                                                                                                                                                                                                   �10,000,000,000
               Founders and employees equity
               Pre-Seed Round                                                                                                                                                                                                       Founders &
                                                                                                                                                                                                                                    employees
               SPV Private Placement                                                                                                                                                                                                  21%
                                                                                                                                                                              Post money
               Round A                                                                                                                                                          valua�on
                                                                                                                                                                          �4,545,454,545
               Round B                                                                                                                                                                                                               10% E

               Round C                                                                                                                                                                    Founders &                                 11% D

                                                                                                                                                                                                          Pre-money valuation
                                                                                                                                                                                          employees
               Round D

                                                                                                                                                                                                            �9,000,000,000
                                                                                                                                                                                            31%
               Round E                                                                                                                 Post money
                                                                                                                                                                                                                                     15% C

                                                                                                                                                                Pre-money valuation
                                                                                                                                         valua�on

                                                                                                                                                                  �4,045,454,545
                                                                                               Post money
                                                                                                 valua�on
                                                                                                                                   �1,333,333,333                                          11% D
                                                                                             �333,333,333
                                                                                                                                                Founders &                                 15% C                                     15% B

                                                                                                                      Pre-money valuation
                                                         Post money                                                                             employees
                                                           valua�on                                                                              42%

                                                                                                                        �1,133,333,333
                                                                            Pre-money valuation

                                                                                                      Founders &
                                                        �80,000,000                                   employees
                                                                                                                                                                                           15% B
                                                                               �283,333,333

                      SPV                                                                              57%                                      15% C
   Pre-Seed    �44,776,119                                    Founders &                                                                                                                                                             15% A
                                          �68,000,000
                                 Pre-money

                                                              employees
                                                                                                                                                15% B                                      15% A
                                  valuation

�5,555,555
                 Founders &
                                                                72%
                                                                                                      15% B
                 employees
                                                                                                                                                15% A                                                                               6,7% SPV
                                                                                                      15% A
 Founders &
 employees         87%                                        15% A                                                                                                                       6,7% SPV
  93,7%                                                       6,7% SPV                                6,7% SPV                                  6,7% SPV                                                                            6,3% Pre-seed
 6,3% equity
                    6,7% SPV
                 6,3% Pre-seed                              6,3% Pre-seed                             6,3% Pre-seed                             6,3% Pre-seed                             6,3% Pre-seed
PRE-SEED       SPV Private
               Placement
                                                        A                                         B                                         C                                         D                                         E
42
 Key Points

World-class    Large Market         Unique Business
  Team             Size                 Model

 Scalable                          Trac�on-Momentum
              Barriers to entry       Novabank Beta App
 Services       (for compe�tors)     Forth Coming Revenue
“I think the things
 you regret most in
 life are the things
    you didn’t do”
   STEVE JOBS

                 invest@konzor�a.capital
              mailto:invest@konzor�a.capital
                 h�ps://konzor�a.capital/
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