N O V A L E N D J O I N U S, A N D L E T S I N V E S T S T R O N G T O G E T H E R

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1 N O V A L E N D J O I N U S, A N D L E T S I N V E S T S T R O N G T O G E T H E R

2 Website Communication Channels: Telegram Twitter Facebook Youtube

3 ABOUT NOVALEND NovaLend aims at transforming the banking system to make credits more affordable and investing more rewarding. We operate a decentralized lending platform developed by experts in the industry. We have 3 Core Values which are Security, Trust & Sustainability. We believe in endless opportunities as we are fully prepared to establish new standards in this young and thriving industry. On this platform, the blockchain technology is employed for trading to give users and investors a seamless trading and investing experience.our decentralized platform removes third party involvement thus allowing absolute transparency in deals carried out between investors. We utilize the Ethereum blockchain which allows other developers to join-in seamlessly without any hiccups. All NovaLend wallet versions will be fully updated to provide customers with secured wallets and seamless trading on the world exchange.

4 Excellent opportunities available for all Novalend users: Passive monthly returns up to 52% of your portfolio; Participation in the affiliate program allows users to make money without any investment at all; ( withdraw your profits every 24hrs possible) Earning profits when you trade on the internal and external Exchanges Earn interest on holding NLC tokens in your desktop or mobile Wallet

5 WHO ARE WE? We are an ambitious team of highly skilled professionals. Our goal is promotion and popularization by strategic means to grow the Bitcoin and Crypto platform and community which makes us a new generation of crypto-enthusiasts. NovaLend was established to participate in exchange processes, attracting and managing investment assets, as well as making profits off the volatility of Bitcoin and increasing amount of users. HOW DO WE OPERATE? NovaLend traders operate with the top 40 currency pair of altcoin including BTC/USD, Offering an increase in their initial investment of up to 52% on a monthly basis using our financial management service on the NovaLend platform. These results are available immediately after your first investment. We only use the most experienced asset managers, vetted professional traders and release detailed financial reports on the status of your assets. WHAT IS OUR SECRET? There are no secrets! We are successful due to our dedication to our work and community. We see an inevitable future while watching a developing, high-yield cryptocurrency trading atmosphere grow and are willing to share it with you!

6 Development of NovaLend Token smart contract Development of lending platform Binary system Development of Staking wallets Testing Website features Development of trading software Q1 launch Internal Exchange List NLC in CoinMarketCap Launch Lending & Binary system Launch Desktop Wallet(Windows,MacOS) Launch Staking List NLCon CoinExchange, NovaExchange Q Launch beta version of NovaLend trading software Development of internal exchange Q3 Q4 Q1 Q2 List NLC on Bittrex and Bithump Open NLC Debit Card Initiate partnership with Mobile App Devs 2018 NLC token whitepaper release Mobile Wallet (IOS, Android) DDOS Protection System Upgrade ICO Crowdsale List NLC on Livecoin Exchange Q4 Q3 Implementation of NovaLend superpoints (Target $100) (Target $45) End of ICO (or 48h after sell out) Begin Trading on EtherDelta (Target $70)

7 N O V A L E N D F E A T U R E S NovaLend 10% Trading fee During the first 6 months after the launch of the internal exchange, NovaLend will share 90% of the total platform trading fee to all users with a minimum of 5000 NLC tokens. NLC Token holder 90%

8 NOVALEND (NLC) It is a form of digital public money created by complex mathematical computations and validated by millions of computer users ERC20 TOKEN Novalend (NLC) is developed on the Ethereum token ERC20 and NovaLend(NLC) running on a Ethereum blockchain. NLC tokens will be sent out instantly to your ERC20 Wallet like (MyEtherWallet, Parity, Metamask etc..) ERC 20 NovaLend Loyalty Card The NovaLend replaces all loyalty cards for fast, easy and secure participation in different brand loyalty programs. Release Q NovaLend Superpoints Everytime when a customer starts a loan in the NovaLend plattform he will get NovaLend superpoints, these superpoints can be used to get discounts on major online shops like (Amazon, Netflix etc.). This feature will be implemented in Q

9 T O K E N S P E C I F I C A T I O N TOKEN NAME: NovaLend TOKEN TYPE: ERC20 ABBREVIATION: NLC DECIMAL PLACES: 18 MAX SUPPLY: 20 Million TOKEN CONTRACT ADDRESS 0xd62e9252F1615F5c1133F060CF091aCb4b0faa2b AVAILABLE NLC TOKEN SUPPLY FOR ICO: 15 Million The number of NovaLend tokens are limited as we have just 20 million tokens available worldwide.

10 Token Distribution PRICE: Tokens will be automatically distributed by the smart contract to all investors sending ETH.Contributions made by BTC will be distributed manually. BTC will be accepted after the Pre-Sale. Pre-Sale: 5 Million NLC tokens available at $0.25 each (Total including Bonus 5,000,000 NLC) Main-Sale: 10 Million NLC tokens available at $ $1.00 each (Total including Bonus 10,000,000 NLC) No Pre-Distribution of tokens prior to the Pre-sale P R E S A L E : $ ( 5 0 % B O N U S ) I C O R O U N D 1 : $ ( 1 0 % B O N U S ) I C O R O U N D 2 : $ ( 8 % B O N U S ) I C O R O U N D 3 : $ ( 3 % B O N U S ) DISTRIBUTION: P R E S A L E : 5 ' ' I C O R O U N D 1 : 4 ' ' I C O R O U N D 2 : 3 ' ' I C O R O U N D 3 : 2 ' ' 0 0 0

11 ICO Contribution Procedure: Any contribution made to NovaLend.co during the Contribution Period as is qualified as a non-refundable donation. Contributions can be made using Ehereum (ETH) or Bitcoins (BTC will be able after presale ). Maximum Contribution is 5000 NLC from any single ETH or BTC wallet. This ensures a fair distribution so that big investors are not at an unfair advantage. The minimal Contribution amount has been removed there is no limit now. Contributions in ETH or BTC must be made by using third party Ethereum and Bitcoin wallets (e.g. MyEtherWallet, MetaMask, other ERC20 compatible wallets) provided by the Contributor and the contribution software. Investors contributing with ETH will receive the NLC tokens automatically from our Smart Contract. This Process is fast and takes a few minutes. BTC contributors will be distrubuted NLC tokens manually. The contribution Period shall end automatically when the Maximum Contribution Amount has been reached as stated on the Presale and Crowdsale section of our website. Any ETH or BTC Contribution made from an incompatible ERC20 ETH wallet address will not be credited with NLC tokens. ICO Referral Bonuses: Referral bonus during the ICO refers to NLC allocated to an investor as a percentage of investments made by persons he or she has introduced to the NovaLend Platform. The tokens are credited to the NovaLend account of the Sponsor. Referral bonus will be available after the Pre-Sale and distributed when the contribution period has ended. Referral Bonus will be offered according to the formula below: ICO Round 1-10% ICO Round 2-7% ICO Round 3-3% ICO Goals: NovaLend ICO is aimed at raising funds to help complete development of the NovaLend Platform and provide the infrastructure needed to offer our services to the huge customer base we are targeting. The funds will also be used for marketing and engagement of strategic partners who will be beneficial to the NovaLend ecosystem.

12 Trading Lending Staking Earn profits when you trade on the internal and external Exchanges to make instant profits directly after the ICO. Earn monthly interest on lending up to 52%. You can start Lending from 99$ to 25000$+. Besides the classic Lending Program you can Lend NovaLend tokens peer to peer and choose you own interest rate. NovaLend offers a special Staking program. Only 4,000,000 NLC tokens will be availabe for Staking these tokens will distributed over five months with different monthly interest rates from 10 to 30%.

13 LENDING LENDING AMOUNT INTEREST (ACRUED DAILY) UP TO CAPITAL BACK $99 - $1000 Daily variation rate % 52% After 199 Days $ $5000 Daily variation rate % 52% After 179 Days $ $10000 Daily variation rate % 52% After 129 Days $ $25000 Daily variation rate % 52% After 89 Days $ Daily variation rate % 52% After 59 Days Regular Lending Program Investors will receive daily interest rate, up to 52% monthly.the more lending amount, the higher interest rate you will get. Under regular lending program,the daily interest rate will be announced every day at (UTC).

14 NETWORK LENDING PROBLEM NovaLend network lending (NNL) is designed for investors with low initial capital. Today if you have 100$ to invest you can start a loan on different lending plattforms like Bitconnect, Hextracoin, Regalcoin etc. but mostly you d'ont get a high interrest rate and your capital will be locked for days or months.. SOLUTION With NovaLend network lending you can combine small loans with other investors to get more daylie interrest and get your captital back faster.

15 How do you explain the high percentage of profits? We use a variety of trading strategies allowing us to make consistent profits regardless of the economic situation. We margin trade during times of high volatility and make profits on both increase and decrease in price. All transactions are recorded and released to our investors for review. Our growing team of professional traders are the key to our success!

16 AFFILIATE BONUS LEVEL BONUS % 5% 3% 2% 1.5% 1% 0.5% 0.25% 0.20% NovaLend provides investment options for you to get the full benefits. Inviting people(which are reffered to as refferals) to invest in NovaLend attracts the NovaLend bonus which will be credited to your NovaLend wallet as illustrated above.

17 BINARY BONUS LEFT SALE RIGHT SALE BONUS $1000 $ % $10000 $ % $ $ %

18 STAKING DURATION INTEREST February 2018 (1,200,000 NLC) March 2018 (1,000,000 NLC) April 2018 (800,000 NLC) May 2018 (600,000 NLC) June 2018 (400,000 NLC) 30% 25% 20% 15% 10% NovaLend offers a special Staking program. Only 4,000,000 NLC tokens will be availabe for Staking these tokens will distributed over five months with different monthly interest rates from 10 to 30%. Get from 10 to 30% monthly interest to your investment while holding NLC Tokens in your WALLET anyone holding NovaLend tokens in their wallet will receive interest on their staking balance in return for helping maintain security of the network. Mature duration for NLC tokens to start staking is 7 Days. NLC tokens who has been not staked during a specific month will be available in the next period.

19 SPECIAL SHORT TERM TRADING OPPORTUNITY FUND BEING FORMED BY CRYPTO CURRENCY EXPERTS FOR SERIOUS AGGRESSIVE INVESTORS RISK LIMITED TO AMOUNT INVESTED MANAGED BY NATIONALLY RECOGNIZED BITCOIN EXPERTS Shoot us questions at