Until now, trillions of dollars of trade receivables were just accounting figures

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2 Until now, trillions of dollars of trade receivables were just accounting figures re:factor Trade Receivables: Are debts arising from the sale of goods or services on credit terms (open account terms), where such goods have been shipped (or services rendered) and invoiced by a supplier and the buyers are granted a pre-agreed period of time within which to pay the invoice. Are widely distributed in all economy sectors and all countries Just USD 2.4 trn in factoring and receivables finance from estimated trn* use as a financial instrument * Estimated by RE:Factor based on the Federal Reserve Bank of St.Louis, USA

3 Revolutionary solutions of re:factor platform Applying a peer-to-peer approach to trading receivables going beyond plain factoring and receivables exchanges Main focus on Asian and other emerging fast-growing and undersupported markets Utilizing trade receivables and factoring competences: Specific approach to underwriting To protect banks against lending risks To improve borrowers' access to loans Transparency and protection through blockchain technology

4 re:factor Artificial intelligence in receivables finance and management of re:factor platform Help with portfolio composition depending on investor s preferences Help to risk managers with risk monitoring and fraud identification Assistance to underwriters with risk analysis Assistance to suppliers of goods in their trade optimization processes

5 Mechanism of action COMFIN Factoring Company Private Р2Р investors Receivables Purchase CROWDFACTOR Р2Р Factoring Platform Receivables Sell, Receivables Management «Factorable» Suppliers Institutional and UHNWI Receivables Purchase* RTP Receivables Exchange Receivables Sell** «Non-Factorable» Suppliers Financial Institutions - Lenders Consuming services: Pledged receivables management Information services STRAM Services for Financial Institutions Receivables Pledge Borrowers from Financial Institutions * ** With a possible sell back right (recourse/repo) Non-typical receivables for factoring: by-order/one-off sales, very big value receivables, seasonable trade, very long credit term etc.

6 Focus countries receivables market overview re:factor 1,1 tln $ 440 bln $ 41 bln $ Focus countries ** receivables turnover is estimated Potential factoring market in the Focus countries Potential annual turnover of re:factor platform Focus countries India, Sri Lanka, Indonesia, Philippines, Vietnam, Laos, Cambodia, Bangladesh, Thailand, Myanmar, Kenya, Tanzania, Ethiopia, Argentina, Uruguay, Peru, Brazil

7 Team & advisors re:factor Mikhail Treyvish Elena Trakhanova Margrith Lutschg-Emmenegger Dennis Firmansjah Vyacheslav Sokoltsov CEO CBDO Business development partner Advisor CAO Consultant on factoring or EBRD, Chairman of East European and Asian Chapters, International Factors Group, Consultant on factoring in Techcombank, Founder of Universal crowdsourcing agency OmniGrade, CEO at National Factoring Company 14 years in factoring and transaction business Held senior positions in Russia's leading factoring companies - Alfa-Bank, Тational Factoring Company, Gazprombank. Advisor of Trade Finance Market, Chairman of the board in Hill Properties Ltd., Advisor of FINBank ptc. Secretary General, Asian Financial Services Association (AFSA), Board member of PT. Aditama Finance Serial entrepreneur, 7 years in venture investments, blockchain enthusiast, crypto investor

8 Team & advisors re:factor Stanislav Puschtorskiy CCO Chris Barrett Advisor Sergei Sergienko Crypto adviser John Brehcist Advisor Different positions in the National Factoring Company: Director of Sales, Director of Investor Relations, Commercial Director (Sales, Client Relations, Operations), Deputy CEO of National Factoring company Executive official of Health International, Lead advisor of Nestor Advisors, Partner of PricewaterhouseCoopers Co-founder and CEO of Chronobank, co-founder of Edway Group Ltd., blockchain enthusiast, winner of numerous awards in the field of entrepreneurship 30 years experience in commercial finance, founder of ROUNDWINDOW Consultancy Sevices, Head of Strategy for Lloyds TSB Commercial Finance Ltd

9 Team & advisors re:factor Joseph Lufkin Mikhail Knyazev Marius Savin Fedor Sapronov Ralf Bauer Advisor IR & Business Development Advisor Business development advisor Advisor Co-founder of IFCL Group, Long-standing consultant to Asia s apex development finance institution on a wide range of funds, facilities, projects, special initiatives, financial matters, evaluations, business development in Asia Development Bank 20 years in the investment businessfounder and Director, investment company «liberty Capital» Member of the Board of Directors of several industrial enterprises Founder, Multifunctional Financial Brokerage Centre Ex Member of FCI marketing committee, lecturer of Certification of Financing International Trade (COFIT) developed in partnership with Malta University and FCI 17 years in corporate banking and investments with deep experience in Lending, Project & Structured finance. Executive positions in top banking institutions - Sberbank, Alfa-bank, Gazprombank 25 years in bank and factoring business, director of BfG Bank AG, Executive official EUROFACTOR, Executive official of Lloyds TSB Commercial Finance, shareholder of Capitalfuss Beratungsgesellschaft mbh Member, Russian Association of cryptocurrency and blockchain Crypto investor

10 re:factor

11 re:factor

12 For developing markets instrument for managing, risk control for trade receivables Benefit expectations from refactor platform Implementation of blockchain technologies lead to Growth of local trade and cross-border relations Real support of small and medium-size businesses Improvement of banks loan portfolio Significant increase of sale of innovative and competitive goods and services in e-commerce

13 REFT token issue and ico TARGET 70 million $ ICO sum in USD 0,1$ Token price at token Sale on ICO 1 billion Max number of REFT Tokens created (Cap) 715 million Max number of REFT Tokens sold (Cap) 200 million Number of REFT Tokens reserved for the team 50 million Pre-ICO 35 million Bounty campaign

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