Nathan Briggs Cx O 602 795 2289 ctoxyzgmail

Nathan Briggs, Cx. O 602. 795. 2289 ctoxyz@gmail. com

Problem | Pre-COVID-19

Problem | Now

Problem � 80%+ Millennials cannot pay their bills + 1980 – 25 -30% (people in their 20 s needing parental financial help) + 2010 – 70% + 2018 ~ 75 -80% + 2020 Q 3 – ~50 Million FILED Unemployment ** VENMO PROCESSES $300 MM in Payments Each Day ** �Direct-to-Vendor does not exist + Go. Fund. Me / Venmo / Cashapp = Increasing Fraud & Increased KYC �Sharing Economy is increasing + Relative Apps Increasing Users = Venmo, Cash. App, Pay. Pal, Facebook

Competition

Competition Issues �Venmo / Cash. App / Zelle Lack Validation - Money Requests NOT Verified + No Proof of How Funds are Spent - Increasingly difficult KYC verification due to rampant money transmission fraud �Go. Fund. Me / Kick. Starter Fraud - No Verification of Campaign Validity RE: Personal Bills

Solution | Peer 2 Biz~Peer �Bill. Zero SOCIAL PAYMENT Bills from Vendors + Vendors = AT&T, Credit Cards, Medical Insurance, Car Payment, Utilities, etc. �Bill. Zero VERIFIES legitimate Bills + ZERO FRAUD is possible on Bill. Zero due to Vendor being Bill Authority �Payer chooses Bill + Amount to Pay * REAL-TIME & ACH PAYMENT * �Payments go DIRECT to Vendor

Product | Pull + Pub + Pay �Publish Bill � 1 Step Process � Select Vendor + Authenticate = DONE � All Bills 2 FA (2 Factor Authenticated) � Social Platform Integration CTA �Pay Bills � Find Payee, Select Bill, & Pay � Real-Time Credit Card & ACH

Partner | Veterans Affairs

Intellectual Property

IP Protection

Product | White Label �Pay w/ Bill. Zero � Integrate Social Payment Processing into existing verticals � e-com � � � - Purchase Goods via National Vendors Rent-2 -Own, Rent-A-Center & More Competitor: Competitor: � Dating e. Layaway Affirm Klarna Split. It Sezzle Quad. Pay - 23%+ consumers incomes $100 K+ & 42% $60 K+ - buy now + pay later - buy now + pay over time - buy now + pay w small payments - increase buying by 20% - buy now + pay later - split any purchase into 4 payments - Micro Payment Gifts for Verified Needs vs Virtual Gifts (currently used)

Product | Admin �Modules � User � Bill � Transaction � Vendor � Support � Search � System � Settings � � � Advanced Error Tracing across all external partners Per User / Bill / Transaction Cost Tracking Unsupported Vendor Tracking Fully Automated Customer Service IVR System Dynamic Business Rule Controls

Business Model Bill Value + $1. 99 Fee per Payer + $1. 99 Fee per Payee � 1 Bill = Multiple Payers � Multiple Payers = Multiple Fees per Bill � Example: 1 Bill @3 Payers = $11. 94 in Fees ($6. 00 Gross Profit) $2. 8 MM $7. 96 $34 M Million per Month Average Fee Total 1 st Year Revenue @100 K Users 1 Bill X 2 Payers Projected by 2020

Per Payment Fee $1. 99 Per-Payment Fee Model (Payer + Payee) � Parent Consumer = “Knowing the Bill is Paid = Ease of Mind” � Late Fees on Bills = Greatly Increase Justification � Typical Fees Encountered = $1. 99 to $4. 99 & up to $15. 00!

Payment Flow High Level Payment Process Flow � Create Bill = Payee Bill > Bill. Zero Pulls from Vendor � Payer Payments = Processed + Fee � Vendor Payment = Payment Sum Released to Vendor

Financial Forecast 1 K Users 250 K Users 1 M Users 3 Bills per User 3 Payers per Bill $168 K Gross Profit / Year $61. 2 M $245 M Gross Profit / Year

Philanthropy/Symbiosis

Philanthropy | Karma. LA

Team � Nathan Briggs, Cx. O (ceo+cto) + 24+ years exp. + 100 s of mobile – Social Commerce, Medical, Enterprise, Comsumer + Accounts: American Express, Red Bull, AT&T, AON, Sales. Force, Colliers+ + BS, Computer Science, 3. 95/Summa + AWS Certified + Former U. S. Marine � Vladyslav Pavlov, Chief Mobile Officer + Masters, Computer Science � Chris Zhen, Chief Legal Officer + CA & NY Bar, Patent Bar, TIVO & Honewell + BSE, Electrical & Computer Science/Magna Cum Laude � Varuzhan Kankanyan, Chief Technology Officer + Masters, Software Engineering � Gary Brendle, Investor & Relations + 22+ years Investor & Real Estate + U. S. Air Force � Marc Bevand, Investor + Ex-Google – 12 years Experience Software Development + Member of Tech Coast Angels � Brent Schmitt, Investor + Ex-Microsoft – 20 years Experience Software Sales + Founder, New Day Fund

Timeline

Capital Raise �Funding Usage User Growth �Gain 1 M Users > 3 Months Rapid Growth �Seeking Seed B (100 K Raised) 250 K+ �Capital Usage + Support User Generation during ~50 Million People Filing Unemployment + 1 Million Users in 3 Months (20 MM to 95 MM Valuation)

Questions? Let’s Talk! Nathan Briggs, Cx. O ctoxyz@gmail. com / 602. 795. 2289