Nexo Overview

Sunday, June 10, 2018
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P OW E R E D BY A Leading FinTech Group serving millions of people across Europe for over 10 years

Why Nexo Experienced Team 10+ Years of FinTech Success Reputable Advisors Nexo is powered by a leading FinTech group serving Nexo has an award-winning team whose The Nexo Advisory Board includes prominent millions of people across Europe for over 10 years, business has continuously been audited by industry experts such as the founders of while being strictly supervised by multiple European and Banking and Financial Services Regulators. CompliantAsset- Compliant " ⋆ ! backed Token Asset-backed Security Monthly Passive Income Additional Utility The NEXO Token is the World’s First US SEC- NEXO Tokens are a safe haven as they provide passive NEXO Tokens offer additional utility features such as compliant compliantAsset-backed Token Dividend-paying and is backed Asset-backed by the Security income in the form of 30% from the company’s profits, discounted interest rates on the Nexo Instant underlying Token and assets is backed of Nexo’s by the loan assets underlying portfolio. of Nexo’s distributed monthly to NEXO Token Holders. Crypto-backed Loans and are also accepted as loan portfolio. collateral on the Nexo Platform. $ Live Automated Compliant Platform ! World Renowned Custodian " Rigorous Compliance Nexo hasAsset-backed Security a fully operational instant lending platform Nexo partners with secure all crypto assets. Nexo is using to adhere to the strictest KYC and Theseamless with user experience NEXO Token andFirst is the World’s military-grade US SEC- BitGo is trusted by other market leaders such as Kraken, AML global compliance standards. Onfido is also trusted by compliantsecurity with 256-bit Dividend-paying encryption. Security Asset-backed CME Group, Pantera Capital, The Royal Mint and UPbit. Coinbase, Revolut, HSBC, Nationwide, TransferWise and Bittrex. Token and is backed by the underlying assets of Nexo’s loan portfolio. Nexo in Numbers $1+ billion $52.5 million 53,000+ 30% 10+ years in Instant Crypto-backed million raised in an 11x Community on Telegram and of profits paid to of successful track record Loan Requests oversubscribed Token Sale 25,000+ on Twitter NEXO Token holders in online lending

Our Mission Over the past 10 years, we have been providing instant loans to millions of people across Europe. We believe that the expanding digital world helps improve our lives. We would like to contribute by providing The World's First Instant Crypto-backed Loans Nexo - enjoy your crypto wealth today without selling your crypto assets!

Instant Crypto-backed Loans

Credissimo: Key Highlights o Credissimo is a leading European FinTech Group founded in 2007 that utilizes innovative proprietary technology to provide: — Instant Online Consumer Loans — E-commerce Financing — Bill Payment Services o Credissimo is a market leader in the Online Consumer Lending segment in several European countries o Our competitive advantage is encoded in our business know-how that we have developed in more than 10 years of experience - efficient business model, cutting-edge technology solutions and visionary management are the key drivers of our longstanding success $120 million Loans Granted $155 million Cash Collected Since Inception 50 M EU Banking Supervision Credissimo adheres to the highest regulatory requirements and has been 40 M Audited by: strictly supervised by multiple European Banking and Financial Services Regulators since 2007 USD millions 30 M 20 M 1,000,000 79,000 130 Loan Applications Loans Granted in 2017 Employees 10 M 35% 78% BBB- Credit Rating Upgrade Loans Granted Net Income Margin Returning Customers (Stable Perspective) Cash Collected 0M 2014 2015 2016 2017 Notes: All figures presented relate FY17 unless specifically pointed otherwise

10 Years of FinTech Success Mobile Adoption The development of a user-friendly mobile website and iPhone/Android apps allowed the company to process over 1,000,000 online By continuing to work at the loan applications technological frontier, Founded Big Data Scoring & Analytics Credissimo is powering the Four entrepreneurs set out to disrupt the Initial Public Offering (IPO) Adopting Machine Learning world's first instant inefficient lending market by providing convenient online consumer loan On May 7, 2014, Credissimo and Big Data technology further crypto-backed loans products. This was possible through successfully listed 2.5 million shares enhanced Credissimo's loan adoption of the latest technologies on the public markets scoring algorithms 2007 2010 2013 2014 2015 2016 2017 Proprietary Process Automation E-Commerce & Utility Bill Payments Bitcoin & Chatbot Integration FinTech Award Credissimo developed in-house an Driven by a vision to provide convenient Credissimo pioneered a Bitcoin loan Credissimo reached the Top innovative technology that introduced solutions for its customers, Credissimo repayment option. The company was the first 10 Alternative Finance in automated, near-instant credit approval diversified its products and introduced consumer lender in the world to launch an European FinTech Awards seven days a week e-commerce financing and direct utility bill automated lending chatbot, for which it 2017¹ and received two payments – 300+ merchants onboarded received the "Innovation of the Year" Forbes Business Awards 2017 Award that year for “Financial Sector Innovations” and “Quality of Services”² Notes: ¹ https://europe2017.fintech.nl/category/alternative-finance • ² https://www.nasdaq.com/press-release/credissimo-wins-twice-at-forbes-business-awards-2017-20180204-00002

Nexo: Powered by Credissimo In its historical development, Credissimo has been identifying and successfully solving inefficiencies on lending markets by creating innovative and convenient financing solutions. By applying blockchain technology, Unlocking the value of Quick and convenient Nexo is Credissimo's answer to solving the lack of your digital assets access to financing financing for the new digital economy. Retain asset Based on secure upside potential blockchain technology Powered by 10 years of Credissimo's expertise, Nexo is offering the world's first instant crypto-backed loans.

The Problem Locked Financial Value Idle Value of Digital Assets Slow Liquidation Process Investors around the globe currently own digital Liquidating digital assets is a slow process that and crypto assets worth billions of dollars that might take from a few days up to a couple of remain idle. The value of those assets is expected months until completion, depending on the to grow to over $5 trillion by 2025 asset class Loss of Ownership Expensive & Tax Inefficient It is not possible to conveniently leverage a By selling a digital asset (i.e. Bitcoin), its owner digital asset in order to pursue a lucrative incurs exchange and withdrawal fees and investment opportunity or meet a short-term becomes liable to capital gain tax which makes liquidity need without having to sell assets with short-term liquidation an expensive and tax good upside potential inefficient solution Cumbersome Credit Checks Lack of Trust and Transparency Access to unsecured financing normally requires In many cases, transactions involving digital lengthy and cumbersome credit checks that can assets are settled through P2P agreements that result in lower personal credit score lack security and transparency on both sides

The Solution Instant Crypto-backed Loans Unlock the Value of Digital Assets Quick Access to Cash Clients obtain an instant loan in fiat currency Access cash conveniently anywhere around the (EUR, USD, etc.) or cryptocurrency by placing world via bank transfer, cryptocurrency or the their digital assets in an Nexo Wallet Nexo credit card and seize investment opportunities or meet liquidity needs immediately Crypto Asset Retain Ownership Cost & Tax Efficient CLIENTS Clients retain 100% ownership of their digital Crypto оverdrafts are an affordable, flexible and assets. Without the need to sell them, the efficient solution that also does not incur any tax borrowers now keep the full benefit from the liabilities or exchange and hidden fees assets' value appreciation Loan No Credit Checks Transparent Blockchain Contracts Nexo offers an instant crypto loan, which Ownership of digital assets is secured eliminates the need for cumbersome credit and guaranteed by transparent blockchain loan Repo for Digital Assets checks that might lead to credit score contracts The size of the Repo market for non-digital assets is EUR 5.6+ trillion, deterioration Nexo is bringing the Repo agreements to the new digital economy

Nexo Clients Cryptocurrency Investors Crypto Miners Covering capital expenses such as computing power needed by Cryptocurrency investors can receive immediate funding based on Crypto Miners in order to stay competitive and grow their operations, the market value of their Bitcoin, Ethereum or other liquid often requires liquidation of mining rewards. This can be avoided by cryptocurrencies, tokenized assets or utility tokens opening an instant crypto loan with Nexo Hedge Funds Cryptocurrency Exchanges Hedge Funds who have invested in cryptocurrencies, ICO tokens and Cryptocurrency exchanges and trading platforms can use Nexo's other digital assets can leverage their portfolio by obtaining instant instant crypto-backed loan to raise necessary funds to finance their crypto loan from Nexo and take advantage of new investment margin lending and trading services opportunities ICO and Crypto Companies Gamers and Virtual Reality Users Instead of directly selling the cryptocurrency raised from an ICO or There are 2.2 billion gamers and VR users who trade in-game and VR generated in the course of business, crypto companies can now setup items valued at over $50 billion. Instead of selling the items and losing an instant crypto loan to meet their working capital and operating the opportunity to use them in the future, they can now be used in an expenses requirements Nexo Wallet to meet short-term liquidity needs

Our Market Total Digital Assets Market $5 trillion The total market of digital assets is expected to reach over $5 trillion by 2025 as a Total Digital Assets Market consequence of the blockchain technology adoption across various industries ¹ Tokenized Assets It is expected that hard assets such as Real estate and Commodities, as well as $4 trillion all types of Securities and Virtual Assets will continue to get tokenized and Tokenized Assets become easily tradable for a fraction of the current costs. Assets that are currently being tokenized in 2017-2018 include: Securities (ETFs, Equities, Bonds, REITs) Commodities (Gold, Oil) Real Estate Gaming and Virtual Reality Assets Loyalty Reward Points $1 trillion Cryptocurrencies Cryptocurrencies Currently hold the biggest share of all digital assets available today. They are expected to continue their growth and reach over $1 trillion by 2025 ¹ By Year 2025 ¹5 trillion capitalisation of cryptocurrencies by 2025 – LAToken Research: http://bit.ly/2AVvcYh Sources:

Business Model 1. Transfer Crypto to Nexo Wallet nexo oracle 2. Receive Instant Loan CLIENTS 3. Repay Loan nexo oracle 4. Withdraw Crypto from Nexo Wallet

Nexo Credit Card Instant Crypto-backed Loan Features Secured by Digital Assets Security Technology o Free Credit Card with o Cryptocurrencies o State-of-Art Technology o Mobile Wallet App Flexible Loan Limit o Nexo Tokens o Card and Wallet Encryption o Send/Receive Money Worldwide o Multiple Repayment Options o Tokenized Assets o 24/7 Fraud Monitoring o Spending Analytics o Additional Virtual Credit Card o Utility Tokens o 24/7 Live Assistance o Budgeting Tools o Payments in Local Currencies o VR/Gaming Tokens o Enable/Disable Card Remotely o No Monthly/Annual Fees o No Hidden Fees Repayment in Fiat Clients can repay their loans using fiat currencies: USD, EUR and JPY Repayment in NEXO Tokens Loan repayments using NEXO tokens will result in a discount on the interest Flexible Loan Flexible Crypto Sale Repayment Should the client consider that his crypto asset has met his Your Loan limit is based on the market price target; he can place an order with the Nexo Oracle to value of the crypto assets in your Nexo sell a fraction of the crypto assets stored in his wallet to Wallet. Additional credit is automatically repay his outstanding balance in part or completely and instantly available on the card upon No Minimum Monthly Payment appreciation of your crypto's value No minimum loan repayment is required if the outstanding loan balance is within the available loan limit

Nexo Advantages Crypto-backed Loans Sell Asset & Buy Back Later Margin Lending / Futures Contract Speed of Funding Instant Slow Depending on Asset Asset’s Ownership Yes No No Benefit from Asset Value Appreciation Yes No Yes Exchange Fees No Yes Yes Tax Liabilities No Yes Yes Volatility Risk Low N/A Very High Free Credit Card Yes No No Accepted Asset Types: o Cryptocurrencies Yes Yes Yes o Tokenized Assets Yes Yes No o Utility Tokens Yes Yes No o Gaming Tokens Yes Yes No

Nexo Oracle Wallet Maintenance o Placement o Hedging positions Data Analytics o Release o Big data analysis o Maintenance of loan safety levels o Self-regulating algorithms o Increase of loan limits o Prediction modeling o Liquidation Real-time Automated Notifications Asset Monitoring o Repayment reminders o Multiple (6+) exchanges o Reached minimum wallet balance o Digital Asset Marketplaces o Liquidation warnings nexo oracle o Administrative notifications Drawing from 10 years of expertise and innovations developed within Credissimo, the Nexo Oracle is an Funds Distribution Repayment Analytics automated independent o Loan setup o Interest repayment system that maintains o Wallet withdrawals o Loan repayment o Dividend to token holders o Delays and defaults Nexo's key operating functions.

Loan Contracts Securing Transactions on Nexo o The Client transfers crypto assets to his Nexo o The Nexo Oracle operates autonomously and o Once any of the code-prewritten conditions of Wallet according to the Contract, which has pre- constantly checks various data points the Loan Contract are satisfied, the code written logic based on computer code triggers an automated action o The predefined conditions written on the o Loan Contracts are stored and replicated on the Loan Contract are constantly evaluated by the Nexo o Upon appreciation of the value of the Client's Blockchain, which makes them immutable Oracle through external data sources crypto assets and after each Loan repayment, and verifiable the Nexo Oracle self-executes and the Loan o The value of the Client's crypto assets is determined limits are automatically increased o The Client's crypto assets are securely stored and in real-time on multiple exchanges in order to can be unlocked by Nexo only if the Client fails to minimize risks for both parties repay the Loan

Business Model - Detailed 1 Client Transfers Crypto 4 Client Receives Loan Open Investment Account Accredited Investors o Crypto Investors o On Nexo Credit Card Fiat Crypto o Private Individuals o Crypto Funds o By Bank Transfer: USD BTC o Businesses Loan Contract o Crypto Miners — to Personal Account CNY ETH o Institutional Investors o ICO / Crypto Companies — to Business Account EUR … o Crypto Exchanges o Gamers — to 3rd Party YEN o VR Users — SWIFT/SEPA/ACH GBP o In Cryptocurrency KRW 2 To Nexo Wallet Pay Interest % 5 on Loan nexo oracle Pay Interest % o Cryptocurrencies Loan Contract o Nexo Tokens o Tokenized Assets o Utility Tokens The World's First Instant Crypto-backed Loans o VR/Gaming Tokens Nexo Tokens Digital Assets Valuation 3 Digital Assets Hedging (6+ Sources) Digital Asset Marketplaces Token Utility Token Holders o Discounts when o Early Adopters used as Collateral o Future Borrowers o Discounts when used o Crypto Funds for Loan Repayments

Process Map Marketplace 5 Marketplace 6 Marketplace 3 Marketplace 4 Nexo Oracle detects significant decrease in Marketplace 1 Marketplace 2 value of Client's crypto assets The Nexo Oracle The Nexo Oracle updates the market automatically calculates The Nexo Oracle updates value of Client's crypto assets stored in the Loan limits Loan limits in real-time the Nexo Wallet The Loan limit is Loan limit instantly available PROCESS Client transfers decreases as the Client agrees to by Client makes an The Loan limits are Loan limits are crypto assets to his value of Client's the Loan Contract bank transfer, Loan repayment increased increased Nexo Wallet crypto asset credit card or depreciates cryptocurrency The Nexo Oracle instantly setups The Nexo Oracle records the repayment The Nexo Oracle notifies the Client to add the Loan on the blockchain more crypto assets to his Nexo Wallet Client transfers more crypto assets to his Nexo Wallet

Request Access General Inquiries: [email protected] Investor Relations: [email protected] www.nexo.io

General and Utilities Disclaimers THESE MATERIALS (THE “MATERIALS”) ARE NOT INTENDED TO BE AN OFFER TO SELL, OR A SOLICITATION OF ANY OFFER TO BUY, ANY SECURITY OR OTHER FINANCIAL INSTRUMENT OR TO INVEST IN THE NEXO TOKEN AND ARE FOR INFORMATIONAL, ILLUSTRATION AND DISCUSSION PURPOSES ONLY. THESE MATERIALS ARE AS OF NOVEMBER 6, 2017, MAY NOT BE COMPLETE OR FINAL, MAY BE ESTIMATED, ARE SUBJECT TO CHANGE AND DO NOT CONTAIN ALL MATERIAL INFORMATION REGARDING AN INVESTMENT, INCLUDING SPECIFIC INFORMATION RELATING TO AN INVESTMENT’S RISKS. THE OFFERING OF THE NEXO TOKEN HAS NOT BEEN REGISTERED, QUALIFIED, OR APPROVED UNDER ANY SECURITIES, FUTURES, FINANCIAL INSTRUMENTS, CAPITAL MARKETS, OR EXCHANGE CONTROL LEGISLATION, REGULATION, OR ORDINANCE OF ANY JURISDICTION. IN ALL JURISDICTIONS, THE OFFER TO SELL AND SOLICITATION TO BUY A NEXO TOKEN IS DIRECTED SOLELY TO QUALIFIED INSTITUTIONAL INVESTORS, QUALIFIED PROFESSIONAL INVESTORS, AND THOSE OTHER SOPHISTICATED PERSONS TO WHOM OFFERS AND SOLICITATION MAY BE MADE WITHOUT ANY LICENSING, REGISTRATION, QUALIFICATION, OR APPROVAL UNDER APPLICABLE LAW (COLLECTIVELY, “QUALIFIED PERSONS”). THESE MATERIALS DO NOT CONSTITUTE AN OFFER, DISTRIBUTION, SOLICITATION, OR MARKETING TO ANY NON- QUALIFIED PERSON, AND IS NOT AN OFFERING TO THE RETAIL PUBLIC IN ANY JURISDICTION WHERE SUCH OFFERING IS UNLAWFUL. YOU SHOULD DISREGARD THIS INFORMATION SHEET IF YOU ARE A NON-QUALIFIED PERSON. BEFORE YOU DECIDE TO INVEST IN A NEXO TOKEN, YOU SHOULD CAREFULLY READ NEXO’S DOCUMENTS AND CONSULT WITH YOUR OWN ADVISORS. AN INVESTMENT IN A NEXO TOKEN IS SPECULATIVE AND INVOLVES RISKS, WHICH YOU SHOULD UNDERSTAND PRIOR TO MAKING AN INVESTMENT. A NEXO TOKEN WILL FLUCTUATE IN VALUE, AND MAY BE VOLATILE, ESPECIALLY OVER SHORT TIME HORIZONS. OPINIONS, ASSUMPTIONS, ASSESSMENTS, STATEMENTS OR THE LIKE REGARDING FUTURE EVENTS OR WHICH ARE FORWARD-LOOKING, CONSTITUTE ONLY SUBJECTIVE VIEWS, BELIEFS, OUTLOOKS, ESTIMATIONS OR INTENTIONS OF NEXO, SHOULD NOT BE RELIED ON, ARE SUBJECT TO CHANGE DUE TO A VARIETY OF FACTORS, INCLUDING FLUCTUATING MARKET CONDITIONS AND ECONOMIC FACTORS, AND INVOLVE INHERENT RISKS AND UNCERTAINTIES, BOTH GENERAL AND SPECIFIC, MANY OF WHICH CANNOT BE PREDICTED OR QUANTIFIED AND ARE BEYOND THE CONTROL OF NEXO. NEXO DOES NOT MAKE ANY REPRESENTATION OR WARRANTY AS TO THE ACCURACY OR COMPLETENESS OF THE INFORMATION CONTAINED IN THESE MATERIALS. NEXO HAS NO OBLIGATION TO UPDATE OR KEEP CURRENT ANY INFORMATION OR PROJECTIONS CONTAINED IN THESE MATERIALS. THERE CAN BE NO ASSURANCE THAT THE TOKENS WILL EVER BE ISSUED OR DIVIDENDS WILL BE PAID; NEXO IS SUBJECT TO COMPLEX, EVOLVING AND EXPANSIVE U.S. AND FOREIGN LAWS AND REGULATIONS; THERE IS NO ASSURANCE THAT TOKEN PURCHASERS WILL RECEIVE A RETURN ON OR OF THEIR INVESTMENT; NEXO HAS LIMITED OPERATING HISTORY, WHICH MAKES IT HARD TO EVALUATE ITS ABILITY TO GENERATE REVENUE THROUGH OPERATIONS; TOKEN HOLDERS GENERALLY WILL NOT HAVE VOTING RIGHTS OR ABILITY TO INFLUENCE NEXO’S DECISIONS; NEXO MAY BE FORCED TO CEASE OPERATIONS; NEXO MAY NOT SUCCESSFULLY DEVELOP, MARKET AND LAUNCH THE NEXO WALLET SYSTEM, AND, EVEN IF LAUNCHED THE NEXO WALLET SYSTEM MAY NOT BE WIDELY ADOPTED AND MAY HAVE LIMITED USERS AND COULD BE SUBJECT TO SIGNIFICANT COMPETITION; PRICES OF BLOCKCHAIN ASSETS ARE EXTREMELY VOLATILE AND FLUCTUATIONS IN THE PRICE OF DIGITAL ASSETS COULD MATERIALLY AND ADVERSELY AFFECT NEXO’S BUSINESS. TOKEN HOLDERS SHALL NOT BE ENTITLED TO ANY UTILITY FUNCTIONALITY AS PART OF THE TOKEN. NEVERTHELESS, THE COMPANY EXPECTS TO ENDEAVOUR TO PROVIDE CERTAIN ADDITIONAL BENEFITS TO HOLDERS OF THE TOKENS IN THE FUTURE (THE “DISCRETIONARY BENEFITS”). THESE WILL NOT BE A PART OF THE TERMS AND CONDITIONS OF THE TOKENS, BUT RATHER BENEFITS VOLUNTARILY PROVIDED BY THE COMPANY TO TOKEN HOLDERS. THESE DISCRETIONARY BENEFITS MAY BE WITHDRAWN OR CHANGED AT ANY TIME AT MANAGEMENT’S DISCRETION.