Gem4me - a new generation messenger with marketplace and monetizing abilities ABILITY TO BECOME AN INVESTOR FOR THIS VENTURE PROJECT (STARTUP) IN ITS FINAL DEVELOPMENT STAGES A presentation from the executives of the business

PROJECT’S MAIN GOALS Create a new generation messenger – a mobile application with broad functionality Project’s financing based on crowd investing Use of fintech-technologies for instant money transfers and purchases in the marketplace Application’s promotion through advertising companies and the Army of fans Introduce the application to the land of profits through monetizing tools Sale and continuous support of the application

PROJECT’S MAIN STAGES May 2014– project’s initiation November 2014– first release of the messenger for Android January 2015– first release of the messenger for iOS September 2017– completion of development January 2016– 10 thousand downloads August 2016– 100 thousand downloads January 2017– 1 million downloads December 2017– 100-200 million downloads

FINANCIAL EXPLOSION ON THE MOBILE APPLICATION’S MARKET

TOP 5 LARGEST COMPANIES ON THE MARKET CAPITALIZATION Oil barons were substituted by the children of the Silicon Valley

WORLDWIDE TREND: the amount of cellular device users is strongly ahead of the amount of computer users since 2013

WORLDWIDE TREND: the amount of users within messenger apps is ahead of the users within various social media networks since 2015

More than 80 billion of applications were downloaded from Google Play and App Store in 2016. The revenue from selling applications for both markets has totaled an impressive $8.7 billion just in the fourth quarter of 2016.

MESSENGERS: 5 YEARS OF MINDBLOWING SUCCESS Telegram 100 million users Snapchat 100 million users Line 220 million users Viber 240 million users WeChat 650 million users WhatsApp 1 billion users Messenger apps that entered the market in 2011 and instantly became popular with users

IT-COMPANY AGAINT THE INDUSTRY GIANT $30 billion in 8 years IT-company Airbnb (housing rental services) was founded in 2008 and has raised its value up to $30 billion in 7 years. Hotel corporation Marriott (over 4000 hotels throughout the world) has been in business since 1927 and over 88 years its value has reached $17.4 billion. Such companies such as Airbnb have earned more in these few years than most companies in hundreds of years. $17.4 billion in 88 years http://www.rbc.ru/technology_and_media/29/06/2016/57738cbb9a7947bd482d19d7?from=main IT startups adapt to the market faster, reserve a market spot quicker and eminently increase their capital

MESSENGERS – IS A BILLION DOLLAR BUSINESS Viber $0.9 billion Telegram $1 billion Skype $8.5 billion Snapchat $10 billion WhatsApp $80 billion WeChat $83.6 billion The history of deals present show that even the non-leaders in the messenger app market can be worth billions

80-90% EARNINGS WHEN SELLING IT PROJECTS Investors WHO RECEIVES THE BIGGEST INCOME WHEN SELLING AN IT PROJECT? Creators 10-20% Mark Zuckerberg Facebook Jan Koum WhatsApp Kevin Systrom Instagram Evan Spiegel Snapchat Igor Magazinnik Viber Jack Dorsey Twitter

PROJECT’S UNIQUENESS

GEM4ME – MUCH BIGGER THAN A MESSENGER! FINANCIAL PLUGIN MARKETPLACE COMMERCIAL PLATFORMS Чем Gem4me отличается от других месссенджеров. Нас нельзя сравнивать с “классическим мессенджерами”, только с WeChat - который стоит $80 млрд.

BASIC FUNCTIONALITY OF THE MESSENGER CURRENTLY FUNCTIONING Book of contacts Statuses Individual chats Group chats Smileys and Stickers “share” function Photos/images Video Voice messages Secure communication Geolocation Public-chats with an unlimited amount of participants CURRENTLY IN DEVELOPMENT Voice module Native codes for Android and iOS Bots for communicating with users Web-version

(separate application by Coinfide Company) FINANCIAL PLUGIN: INSTANT MONEY TRANSFERS BETWEEN USERS AND IN-APP PURCHASES For companies and private entities: Free user account opening (wallet) in a European bank Funds deposit from a bank card or a bank account into the wallet Instant transfer of funds between user accounts Funds withdrawal onto a bank account/ bank card throughout the world Electronic or plastic cards with lucrative tariffs Account setting to USD / EUR / GBP Company’s business account – for transferring funds to partners Marketplace purchases Financial plugin Gem4me Finance (separate application by Coinfide Company)

MARKETPLACE: ABILITY TO USE THROUGHOUT THE WORLD Marketplace – commercial platform for advertising and sale of products and services. Search for products and services based on geolocation Rating companies based on the amount of users/evaluations Instant sale of personal products and services to any company or private entity Ability for users to make an instant purchase of a desired product Invoices with the ability to generate bills in different jurisdictions A powerful instrument for sales statistics and unveiling loyalty programs

MARKETPLACE:ADVANTAGES FOR MERCHANTS AND CUSTOMERS USER Chose the city/region/country/world Chose a product/service Chose the best one based on: rating/price Bought/set a meeting COMPANY/MERCHANT Easily uploaded the information Received a subscriber base Delivered information on the main screen of a user Sold the product online (“Buy” button) 18

COMMERCIAL PLATFORMS: ATTRACTIVE CONTENT AND APPLICATION MONETIZING 1 MARKETPLACE – MOST LOGICAL PLACE FOR ADVERTIZERS Pilot project– connecting 2 SNAPCHAT-LIKE PLATFORM FOR ADVERTIZING 3 ADVERTIZING PLATFORM FOR PROMOTING MOBILE APPLICATIONS

STRUCTURAL FORMATION OF PROJECT GEM4ME Management Developers Legal structure System of referrals Army of fans

MANAGEMENT (ADMINISTRATION) Long-term experience in organizing IT-projects International structure of companies involved in developing Gem4me project (Malta, Switzerland, England) Administrative personnel located in different countries

MAIN DEVELOPERS OF GEM4ME Large international company with previous experience in creating successful mobile applications (Viber, Playtika) European company specializing in fintech with vast work experience and necessary licenses

LEGAL STRUCTURE Projects’ jurisdiction– European Union (Malta) Investment fund for financing Gem4me project Investments (Malta) Intellectual property company owner: Malta Given the profitable tax breaks for royalty it is very beneficial to register an intellectual company owner in Malta. Maltese legislation states clearly: «Intellectual Property may include computer software...». Complete transparency for project investors Complete transparency for potential buyers

MALTA: THE CHOICE OF MANY DIRECTORS IN EU Place of registration for more than 600 investment funds totaling overall Asset under management of about 10 billion euros First BitCoin fund in Europe World’s largest commodity hedge fund Large oil hedge fund created by ex Goldman Sachs top executives Substantial energy hedge fund СLIVE CAPITAL Vector Commodity Management BlueGold Capital

MALTA: Main Advantages EU member since 2004 Euro was introduced in 2008 First place in the Best Place in Europe category according to Hedge Fund Review’s Service Provider rating in 2013 and 2014. 10th most stable banking system according to World Economic Forum’s The Global Competitiveness Report 2014-2015. Place of registration for more than 600 investment funds with total assets under management of more than 10 billion Euros. Operational costs at least 30% less than in main competitor countries (Luxemburg, Netherlands and Ireland). No retention taxes for paying out dividends to non-resident investors/shareholders in a Maltese fund. There are no capital increase taxes through implementation of shares as well. Malta has concluded more than 70 agreements on avoiding double taxation, including with Russian Federation. A rather favorable legislation regarding registering Royalties, Patents and Trademarks: Due to profitable taxes on royalties, it is very cost-effective to register companies with intellectual property ownerships. In Maltese Legislation it separately states that software is a recognized as intellectual property.

Main Provisions of GEM4ME INVESTMENTS PLC Fund It is created as a private investment fund of an open joint-stock company. Such juridical structure is not limited on the amount of investors. The Fund’s goal– to receive funds from investors and to direct them towards the messenger’s development, while having 100% ownership rights for the Maltese company, which controls the Intellectual Property of the messenger. An emission of the fund’s shares is carried out (4.000.000) according to the public prospect of the emission, there are 2 types of shares: 1) 2.040.000 common shares with the value of 0.30 EUR (delvelopers and organizers of the project) 2) 1.960.000 preffered shares with the value of 30 EUR (private investors) By placing the funds, and investor becomes a Company’s shareholder in accordance to the prospect, and receives a certificate of the factual share ownership. A transfer to the new investment fund will be made for those investors that currently own shares from Gem Technologies Applications Ltd. Company in Seychelles by netting.

Investor Security Status as of 13.02.2017. Investor protection in accordance to the European Union laws. Complete transparency for investors (investor can see himself in the public shareholder registry). Asset management is done by professional fund administrators in Malta. The Fund’s money is stored in a large and stable European bank or s specialized custodian bank. Total audit check Status as of 13.02.2017. GEM4ME INVESTMENTS PLC was registered on February 13th 2017 within Maltese Registrar of companies, registration number C 79505

Annual Independent Financial Audit with BIG4 Companies

CROWDFUNDING AND REFERRAL SYSTEM Project’s financing is done on the principles of crowd investing Registration of Gem4me share packages to private investor ownerships Appeal for private investors from different countries as a result of the referral system The project is independent from large investors

AMOUNT OF FUNDS INVESTED IN THE PROJECT Main directions of the invested funds Development Marketing Referral system Administrative Expenses Total investment amount over the period of 2014-2016 is $10,451,644 2014 $1,234.516 2015 $2,629,199 2016 г. $6,587,929

ARMY OF FANS AND PROJECT’S GEOGRAPHY Army of fans – one of the main Gem4me advantages Objectives for the Army of fans – generating ideas, testing the application, promoting the project, providing information for investors Main regions in which Gem4me is actively developing: Russia Kazakhstan, Ukraine and other CIS countries Europe Canada and United States India Japan Total: more than 60 countries

GOOGLE IS ACCOMPANYING THE PROJECT’S DEVELOPMENT Main results of negotiations in Google Headquarters in Dublin Google’s specialists conducted a thorough analysis of the application and gave recommendations for it’s improvement Google’s special subdivision will accompany Gem4me’s development in various countries, most importantly – on the highly prosperous Southeast Asian market: analysis, recommendations, beta-versions of new products Our legal structure is completely transparent and is attractive for Google Creation of a joint project being developed –a commercial platform for promoting mobile applications

MAIN GOALS FOR 2017 Conclusion of technical functionality development, most importantly, Marketplace Integration of financial services directly “inside” the application Monetizing tools launch (3 commercial platforms) Geographical expansion, primarily in Middle Eastern and Asian countries Major client base increase of up to 100-200 million users Conducting negotiations with potential buyers and preparing for the sale of the application

HOW WILL YOUR INVOLVEMENT IN THE PROJECT BENEFIT YOU? Messenger Gem4me – is a prosperous venture project in it’s final development stage. The final goal for this project is to create a unique messenger with a large user base and to sell it profitably. Participation in the project is officially issued when the participant receives shares from the Gem4me Investment fund, which is created in the European Jurisdiction (Malta). The referral system allows for the Gem4me Investment shareholders to receive high rewards After competing the sale, every Gem4me Investment company’s shareholder will receive a reward depending on his portfolio of shares.

Out of 1 960 000 preferred shares of Gem4me Investments Plc there are 670 000 for the project’s investors. Share prices will increase monthly.