Agri-commodities trading and financing platform on Blockchain

WHY? World Grain trade (wheat, corn, …): 400+ mln t/year ($80+ bln) International trade is done exclusively in USD Acute lack of trade finance Inefficient contract execution Lack of solutions for small and medium companies

How? Smart Contract Payments Trade Finance Powerful, secure and trustless functionality to conclude trade and hedging contracts. Efficient money exchange, cross border payments Competitive Trade Finance

What is komgo? komgo is a commodity trade finance consortium led by major industry players Our objective is to build a fully decentralized commodity finance ecosystem acting as a reference for this industry This environment will be interoperable with other consortiums, market places and internal systems to provide a streamline digital experience Our one stop shop provides speed, security and efficiency through shared registry, standardized products, automation and tailor made functionalities

Key Milestones of our Digital Journey komgo SA is incorporated with 15 investors komgo SA go live including first transaction with another BC platform (Vakt) Second functionality released on komgo: Kite for KYC New functionalities to be developed on komgo: Market place Credit insurance Document Automatch Automatic onboarding and sanction checks Third party Wallet Aug’18 Dec’18 Feb’19 Q2’19 Shell, Mercuria, Gunvor, Koch, SGS, Citi, ING, Rabobank, ABN AMRO, BNPP, SG, Natixis, CA, MUFJ Jan’19 Q1’19 Final round of UAT on Kite for KYC New functionalities to be developed on komgo: LC amendment / collection & presentation / refinement BFOET SBLC Application and Issuance Direct issuance LOI automated generation Receivable discounting Permissioning 01

High Impact CrowdLending

< 5% > 100% Developed World Emerging Economies THE PROBLEM: A two-tiered world limited opportunities 14 V A L U E Developed World Emerging Economies Limited investment opportunities for non-institucionals Borrowers do not have long-term objectives < 5% > 100% Interest rate on savings Interest rate on local cash loans I N T E R N E T = I N F O R M A T I O N Relative abundance of money Money is scarce and expensive

+10% -50% Lenders Borrowers Lenders can choose and trace Local Node THE SOLUTION: A New Model for value transfer 15 B L O C K C H A I N = I N F O R M A T I O N + V A L U E BLOCKCHAIN ENABLES INTERNATIONAL VALUE TRANSFER, IT BUILDS TRUST AND ELIMINATES P2P RISK THROUGH SMART CONTRACTS Lenders Borrowers Access to global investment opportunities Access to global funding possibilities +10% -50% Great return on lended money Lower interest on loans Access to more capital Builds a Digital Reputation Lenders can choose and trace the positive impact of their money Local Node Selects and organizes farmers into cooperatives and acts as their bridge to the digital world

FARMERS LENDERS AND BUYERS THE COMMODITIES FROM THE ORIGIN FINANCERS 16 FINANCERS Trade fiance Speculators Financers to producers Financers to traders Financers to Roasters TRADERS Local buyers, Intermediaries, Local sellers, INSPECTION VERIFICATION CERTIFICATION INSURANCES FARMERS LENDERS AND BUYERS MANUFACTURERS Roasters Cafes Supermarkets LOGISTIC Warehouses Shipping Local transport