“Empowering Base of the Pyramid (BoP) households by leveraging technology

to provide human services”

Alison Wise Founder & CEOwisealf@gmail.com415-797-8099Skype: wisealf

Team Alison Wise, Founder & CEO: 20 years in the CSR,

renewables/clean tech and innovation space including NREL, Clean Edge and numerous public and private sector companies, board of several Indian non-profits; BA, MBA.

Tero Brandstaka, CRO: Finnish citizen, two master’s degrees, 8 years in agriculture and 10 years financial stability in retail banking, lived in Asia and Africa for 7 years;

Srivatsan Sivanandan, CSO : A quant-creative, experience in business strategy, venture finance, and supply chain, with start-ups and MNCs across three continents; BE, MEM.

Fredrik Olrog, COO : Decade in renewables, currently Managing Director at O2 Bio, Sweden; professional sailor; MBA.

Landscape & Addressable Market

Energy/Health/Goods & Services

20%

Food/Water/Education/

Others80%

SynchronEcomarket

• 4.5 billion people at "the base of the pyramid" ($5 per day or less) represent a $15 trillion economy

•This economy currently is largely penetrated by technologies that have costly side effects

•Or where conditions are such that no exchange exists but barter or extreme poverty

A ~$70 billion opportunity!

Situation in India Typical expense split

Capturing ~20% of this market will make SynchronEco a ~$15 billion business!

BoP pain pointsLack of affordable access to clean water

Lack of affordable access to healthcare

Lack of affordable access to electricity

Lack of affordable access to capital

Our Solution

SynchronEco Basket ICT + Udyamis BoP households

Value Proposition

Device Manufacturer Last-mile entrepreneur Rural household

Access to a huge niche market Opportunity to earn a regular income Affordable access to essential services

Data insights on consumer psyche Become influential within community No more tradeoffs on expense decisions

Proven market need minimizes risk Create businesses based on platform Productivity gain for the household

Potential Impact

SynchronEco Elements

SynchronEco“Udyamis”

Franchise owners of SynchronEco System

SynchronEcoPower

SynchronEcoMicroCredit

Union

SynchronEcoHealth

SynchronEcoStore

Business model summary

End customers1. BoP households

2. Last mile entrepreneurs

3. New device manufacturers

4. Corporate CSR

Customers

End customers

1. Partnering with self-employed groups

2. Enhancing CSR for corporates

3. Providing sustainable livelihood to BoP households

4. Opening new untapped markets for start-ups in energy/health/finance

Value Provided

End customers1. Via last mile entrepreneurs

2. Ongoing demand fulfillment

3. Acquiring plus retaining both Udyamis & end consumers

Customer relationships

End customers

1. Udyamis will leverage their existing relationships

2. They will buy products/services via mobile kiosks and/or small format stores

3. Will partner with 3PL providers to handle distribution

4. End consumers will be educated about the energy and health care savings that service adoption entails

Channels

End customers$$$ x Quantity

CSR consulting

Pricing – pay-per-use for end customers

Quantity – Aggressive about Udyami recruitment

Revenus estimate of $2.5M in year XXX

Revenues

End customers

1) Recurring resources

2) Staff salary/benefits

3) Customer & Udyamiacquisition

4) Inventory holding / JIT

5) Payment processing services

6) Equipment capital

Pilot cost estimate is $750k

Costs

End customers

1) SynchronEco CEO’s 5K professional network

2) Diversity within team

3) Prior start-up experience

4) Cleantech experience

5) Social impact experience

6) Business skills (4MBAs)

7) PPP focus

Key Resources

End customers

1) Fundraising (VC, II, Corp)

2) Business model iteration

3) Business plan iteration

4) Pitch deck iteration

5) ID Udyami pipeline

6) ID first-entry markets

7) Pick hands and legs of pilot

Key Activities

Key Partners

1) Advisors2) Funders3) Corporations4) Work-development

organizations5) Philanthropy6) R & D 7) Impact start-ups

SynchronEco growth stages

Pilot with mature technology participants

50 (udyamis) TBD

Proof of concept in order to build franchising concept

(200-> 5,000 udyamis)

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2014 2015 - 2018

Global franchising business built on top of a rigorous Franchise Disclosure Document

(10,000 100,000 udyamis)

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2019 -

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Launch Strategy

Corporate Partnerships

Clean Tech VC

Social Impact Investors

We offer an efficient and

effective way to address

philanthropic and aid-

based activity with a profit-

motive engine, creating a

sustainable “ROI”

Financial model and projections

Investment: $10 million

IRR of 57%

Revenue scenarios

$0

$10

$20

$30

$40

Pilot Year 1e Year 2e Year 3e Year 4e

Optmistic

Base

Pessimistic

SynchronEco will make for a lucrative investment even with conservative projections

U$ 000's Pilot e Year 1e Year 2e Year 3e Year 4eAnnual revenue 122 1,468 4,892 14,676 29,352

Energy Services 15 180 600 1,800 3,600 Health Services 5 64 212 636 1,272 Mercantile Services 102 1,224 4,080 12,240 24,480 Banking Services - - - - -Data/ Analytic Servises - - - - -

No of Udyamis (not in 000’s) 50 600 2,000 6,000 12,000

Income after financial items - 119 2,230 2,302 6,139

Pilot Funding Planning, staffing up: $500,000 USD

Equipment and logistics: $250,000 USD

Customer Service Points (CSPs) are agents for traditional banks in-

field with mobile banking services

http://www.cgap.org/data/india-banking-agents-survey-2012

-- We plan to focus on tracking the organic growth in the # of Udyamis before raising again

-- Also, track revenues and on-the-ground social impact to report impact metrics

Back Up Slides

Who• Slide 14: Advisers

What• Slides 15-16:

Overview of UVP and economic assumptions

How• Slides 17-26:

Details of Udyami“Day in the Life, information on Elements of SynchronEcoPlatform (Health, Power, Store, MicroCreditsystems)

When-Slide 27 Platform Development

Why--Slide 28 “Moore’s Law” of SynchronEco

Advisers Bruce Cahan Visiting Scholar at Stanford

University, TEDxNewWallStreet, Ashoka

(Many others taking the opportunity under consideration)

SynchronEco

Unique Value

PropositionUsing 21st Century technology

and platforms to leap-frog

economic development

strategy

- Distributed Clean Energy

- ICT for finance, commerce and health

SynchronEcoMicroCredit

Union

SynchronEcoServices & Store

SynchronEcocustomers for

microfinancial, health, charging

services, & clean tech appliances

Fees, interest and dividends to

financiers

New Micro Payments, Loans and Investments

Overview

Economic Development “Base”

Basic Assumptions/ Realities

What if providing the basics for economic development

(healthcare, water, power) was entrepreneurial, so

economic development was not a result of

entrepreneurism but inherent?

SynchronEco “Elements”: Entrepreneurs or “Udyamis”

SynchronEco“Udyamis”

SynchronEcoPower

SynchronEcoMicroCredit

Union

SynchronEcoHealth

SynchronEcoStore

— Franchise owners and operators recruits

— Trained on platform tech and service offerings; in-field nomadic store, smartphone & apps for exchanges, clean powered

— Recruitment: We recognize the importance of a robust strategy here and plan strategic networking and outreach including to business organizations, i.e. Self-Employed Women’s Association (SEWA), an Indian trade association, with 9.7 MM members

End customersEnd customers

Udyami Day in the LifeNomadic franchise;

goods and equipment travel to

remote areas/markets

Brick-and-mortar storefront is a solar tent for charging services; smartphones and apps for finance and health services; appliances for purchase

SynchronEco “Elements”: Power

SynchronEco“Udyamis”

SynchronEcoPower

SynchronEcoMicoCredit

Union

SynchronEcoHealth

SynchronEcoStore

“Nomadic Clean Power Plant”

SynchronEco Power Main Focus1. To supply renewable energy to the Udyamis enabling operation of the customer interface. 2. To sell renewable energy to it’s customers, for charging cellular phones and operating other appliances. 3. Offering multiple types of standard systems that provide plug & perform and energy storage solutions for off-grid and micro grid applications. (thru SynchronEco Store)

Average Daily Output = 1125 Watt Hours (iPhone app. 4-6Wh)

SynchronEco UdyamipackA 3.4 watt solar panel back pack that is waterproof, lightweight and durable. Weighs only 2500 grams incl. a 60 watt hour battery. One hour in direct sun provides up to 30 minutes of run time on a laptop. 1.5 hours of direct sun powers a complete cell phone charge. Bag made of recycled PET bottles.

SynchronEco Power PackA 120 watt foldable solar pack with military spec. Will supply plug & perform to customers appliances or to a charge a customers battery. Can be optimized for different voltage/watts/amps. Weighs sub 3kg (6.5lbs)

SynchronEco UdyamiShadeA 300 watt foldable solar tent with a average daily output of app. 1125 watt hours (takes app. 5 watt hours to charge an iPhone). Will provide shade/shelter and the foundations to a Udyamis when SynchronEco Store is open for business. Weighs 27lbs.

SynchronEco “Microcredit Union” Unregulated microfinance caused financial

instability and central bank intervention in 2012

The Andhra Pradesh bubble

Reserve Bank of India (RBI) regulation

Interest rate cap of 26%

Capital adequacy ratio of 15%

We appreciate the new financial stability

We have a decade of working with the credit process and the financial supervision authority behind us

RBI registration

Microfinance license in 2014

Full banking license in 2019

SynchronEco“Udyamis”

SynchronEcoPower

SynchronEcoMicroCredit

Union

SynchronEcoHealth

SynchronEcoStore

Our Credit Processes

”Grameen” ”Non-Grameen”

Debtors guarantee each other Debtors DO NOT guarantee eachother

Default rate can be brought close to zero Default rate will stay much higher, upto 30%

Interest rate can be brought down if lending volume can be scaled up (interest income will cover loan officers’ salaries)

Will have to price at maximuminterest rate (26%)

Social fabric will be destroyed in event of defaults (case Andhra Pradesh) Social fabric will be spared in eventof defaults

We can offer both models. Our debtors’ IRR will be much higher than 26% as the assets whose purchase wefinance are extremely productive assets.

• Use of existing microfinance IT platforms such as M2 in the pilot to reduce operational risk• Access to funding from American and European banks and funds• In the microfinance industry 90% of lending goes to finance consumption

This cannot support high interest rates Our model is vendor finance

Financing only productive assets Excellent IRR for debtor, can support interest rates

Cutting edge environmental and health technology• Flexibility in our credit processes

SynchronEco“Udyamis”

SynchronEcoPower

SynchronEcoMicroCredit

Union

SynchronEcoHealth

SynchronEcoStore

SynchronEco “Elements”: Health CURENT PROVIDERS

National Rural Health Mission (NRHM) Gram Panchayat (5-6 villages) Primary Health Centers (30-40 villages) Community Health Centers (100 villages)

NGOs AYUSH (Ayurveda, Yoga & Naturopathy, Unani,

Siddha, & Homeopathy) Informal Practitioners

OUR SOLUTION

Mobilize last mile entrepreneurs to serve as conduits Forge partnerships with entrenched players Leverage the power of ICT Prioritize and provide “top 5” essential health

services Close the loop via our in-house store

SynchronEco “Elements”: Store

SynchronEco“Udyamis”

SynchronEcoPower

SynchronEcoMcroCredit

Union

SynchronEcoHealth

SynchronEcoStore

Clean Tech appliances, and other electronics that make “home based business” more efficient like mobile devices and solar lighting , available through Udyamis’ “Amazon.com” model of virtual inventory shipped to POS

SynchronEco StoreOff-Grid Drop Shipping Based Web Store

Sells product

Pays retail price & shipping fee

CustomerSynchronEco-Store

Comp

Inc.

Product manufacturer/

wholesale supplier

SynchronEco System Requirements

SynchronEco Platform

SynchESTORE

SynchEHEALTH

SynchEPOWER

Pilot SynchronEco ($$)

+Udyami ($)

Power Health Store

•Pay-as-you-go

subscriber model/ pay at

SyncE udyami’s tarp for

charging services

•Lay-way plans for solar

home lighting solutions

(consultations on

optimal product)

•Wholesale bargain

from manufacturer

and/or

• Revenue share per

device sold

•JIT inventory

•Service fee from BoP

household shared with

local partner

•No incentive to own

device

•Referral fee from

clinics/hospitals

Financing/Banking Services for the ecosystem

SynchronEco Platform Development

2014

2015 - 2018

2019 -

Fingerprint identification

Aakash Tablets to udyamis Aakash Tablets to customers

SIM POS for udyamis Electronic wallets to customers

SynchronEco Power SynchronEco Health SynchronEco Store

Internet and phone services for both udyamis and their customers

SynchronEco MERCHANT accounts for udyamis

SynchronEco BANK accounts for customers (capital-lite in Basel III, full compliance with Indian FSA, bank infrastructure from fiserv)

Crowdfunding

SynchronEco franchise disclosure agreement for Power, Health and Store

Expansion

Microfinance license with Reserve Bank of India

M2 Microfinance IT system (cost around USD 5 000)

Bespoke IT system

Full banking license with Reserve Bank of India

SynchronEco “Moore’s Law”Continuous improvement to

platform based on data from

udyamis should yield

increasing

performance/market reach

exponentially as we maintain

replicability standards. By

providing both the resources

to acquire and the

services/product(s), we

accelerate the model, while

establishing exclusives with

vendors as first movers to

protect competitive

advantage.