The Next Generation Suite of Financial Services

Vaultbank is innovating the convergence of two worlds- traditional investments and cryptocurrencies. By creating a single platform for buying, selling, and spending crypto investments as well as tokenizing securities, Vaultbank is paving the future of financial services.

Vaultbank intends to generate profits and distribute dividends* to Vaultbank token holders, with each private security token representing a partial ownership stake in Vaultbank and its three main business lines -

Vaultbank’s Value

The Vaultbank Fund_

An investment fund of attractive yields from an asset backed portfolio

*Dividends cannot be guaranteed

Vaultbank Debit Card_

A program that will allow debit card holders to use select cryptocurrency and

fiat for everyday transactions

Vaultbank Exchange and Wallet

_

A revolutionary securities and cryptocurrency exchange platform

One of the first securities compliant decentralized platform that performs KYC, AML, FATCA, and Investor Accreditation

A platform to tokenize securities like mutual funds and hedge funds

A primary marketplace to tokenize and launch Securities and ICOs

A secondary marketplace for trading top cryptocurrencies and security tokens not originally launched on Vaultbank Exchange

A Fiat trading service connected to Vaultbank debit cards

The Vaultbank Exchange beta demo is live as of 2/8/18, with full roll out estimated by end of 1Q2018.

Vaultbank Exchange

Crypto and Security Token PlatformsVaultbank Exchange plans to tokenize securities like mutual funds, and compete with some of the largest security exchanges in the world. Most Vaultbank Executives and Board members have extensive experience with traditional securities exchanges and they saw major inefficiencies such as these in the traditional markets -

Vaultbank Exchange Competition

High costs to launch securities

Long lead times to launch a security

Limited offerings only to big companies

High transaction costs for trading securities

Most launching after Vaultbank

Most do not offer Utility and security token

trading

Most not fully compliant with KYC, FATCA,

AML

Many only plan to tokenize

securities and do not offer an

exchange

Vaultbank Exchange will compete with established crypto exchanges, however, the current crypto trading exchange market has many areas in need of improvement due to the following problems-

Limited Options

High fees

Slow transaction times

Crashing and failing during times of high market volatility

Most exchanges only offer utility tokens

High hacking risks of Centralized Exchanges

Vaultbank Exchange CompetitionCrypto Exchanges

Vaultbank Exchange Solutions

Lower Fees_

Lower fees than most crypto exchanges, with transaction fees at a flat

0.5% + there is no limit on trade volumes

Faster Transaction Times

_

The exchange is built on Stellar Lumens, which transacts at 1,500 /

second, in order to offer drastically quicker trades and limiting downtime risk

Vaultbank Exchange will offer a solution to most of the problems in the current crypto exchange market, as well as the traditional securities exchange market.

Vaultbank Exchange is built on Stellar Lumens, and as a Decentralized exchange can offer the following-

Higher Security_

Reduced hacking risk as traders will hold their own

“private keys” in addition to triple factor authentication

Tokenize Securities_

Tokenizing of securities like mutual funds will be done

at pennies on the dollar and can be completed in

weeks, as opposed to up to a year with traditional

options.

Investor Accreditation + Compliance

_

Investor accreditation verification and KYC, AML, and FATCA built

in. Ability to embed subscription agreements

and other smart contracts

Security and Utility Token Trading

_

Primary and secondary market trading of security

and utility tokens, with more trading options than most

crypto exchanges.

Vaultbank is partnered with identity experts Cynopsis to fulfill rigorous KYC, AML, CTF (Counter Terrorism Financing) requirements and uses its MAS (Monetary Authority of Singapore) approved software.

Vaultbank Exchange will use Cynopsis’ Artemis sandbox, which is connected via API to C6 Intelligence covering over 4 million global profiles of high risk individuals and corporations.

Beyond performing investor accreditation checks, Vaultbank Exchange has the ability to embed subscription agreements and other smart contracts in tokenized securities.

Vaultbank ExchangeLegal Compliance- Cynopsis Partnership

Vaultbank WalletVaultbank Exchange will also have a Vaultbank Wallet, available on a laptop, desktop or mobile device, which will offer the following services-

Manage traditional currency and

cryptocurrency balances

Send and receive crypto currencies

Link preferred crypto to Vaultbank debit card for spending

Vaultbank Debit Cards Enable spending of select leading cryptocurrency for everyday items

Link any crypto in your Vaultbank Wallet that is traded on the Vaultbank Exchange to use as tender

Highly competitive industry rates on major global currencies

All crypto to fiat transactions are completed through the Vaultbank Exchange, limiting major potential issues with payment processors

Estimated availability as soon as ICO close date for certain countries. Vaultbank is currently negotiating partnerships and attaining licenses.

Asset-Backing + Yields

Yields between a typical bank and a hedge fund

_

Target yields between 7-15%, enabling quarterly dividends

and reinvestment growing the fund

Proceeds invested in secured credit assets

_

Vaultbank portfolio managers work with Random Forest Capital to purchase loans generated from lending

platform partners.

Warehouse credit line leverages portfolio for

optimum investor returns _

Credit line enhanced by surety wrap to minimize cost of

capital The Vaultbank Fund offers the main asset-backing of each token, as 80% of the funds raised from the token sale will go into the Vaultbank Fund. The Vaultbank Fund is composed of secured credit assets.

Vaultbank Fund

‣ Quarterly dividends will be paid via Ethereum tokens, subject to board approval, to Vaultbank token wallet holders. Declaration and distribution of quarterly dividends is not guaranteed.

‣ The Vaultbank portfolio of business lines will be managed by a professional asset and portfolio management team, along with advisement from a seasoned Board of Directors in finance, technology and blockchain.

Distribute Dividends

‣ Vaultbank’s overall goal is to build token value with successfully managed business lines, and to distribute dividends.

Vaultbank’s Financial Goal

Vaultbank Tokens are asset-backed private security tokens that represent an ownership in the Vaultbank business and potential profit dividend distributions as well as potential Vaultbank liquidity events.

Symbol

Total Supply

Initial Price

Minimum

VB

240,000,000

$1.00 = 1VB token

$2M*

*If 2M is not raised the money will be returned to investors

Vaultbank (VB) Token

Vaultbank (VB) TokenSale Structure

Use of Proceed

Operations 3%

Fund 80%

Token Distribution

Investors 75% (Equity, Presale, and ICO)

Development 17%

Team 25%(Executives, Board, and Angel/Seed Investors)

Q1 2018

Build a secured credit portfolio with the Fund

Hire engineers for integrating to build out cryptocurrency exchange and Debit Card feature

Negotiations with major global card providers

Launch of Vaultbank Fund with 100% of the allocated funds into investments within 2 months

Q2 2018

Expand Vaultbank Debit Card plan and capabilities, integrate Debit Card and extend the local fiat debit card capabilities including crypto wallets;

Test launch the Vaultbank Debit Card Program in the United States

Complete the cryptocurrency exchange and include cross exchange trading capabilities, increase the tokens listed on such exchange to other ERC20 tokens, and complete seamless integration of these exchange platforms to debit cards

Q3 2018

Build Decentralized applications to solve for complex banking needs, like smart contracts to facilitate the payment of sales tax at point of sale terminals

Q4 2018

Series A Offerings, mutual funds and traditional securities integrated into platform

Timeline

Vaultbank formed a Board of seasoned banking, loan portfolio, investment management & technology driven professionals.

Board Members

Recruiter and Mentor, Formerly CEO of South African TelecomTony Leng

Tony is a Managing Director at Diversified Search and over the years has headed up the Technology, CIO and Private Equity practices for the firm. Previously, Tony was Managing Partner of Hodge Partners and a Partner at Heidrick & Struggles, as well as a Board member of three public companies and CEO of a $600 million public IT company. Tony also ran a $1 billion division of a telephone company focused on corporate users and was responsible for all data services and networking products, and was founder and Chairman of that company’s ISP and a board member of its 2 million subscriber cell phone associated company.

Former CIO at BlackRockKen Kroner

Dr. Kroner is the former CIO and global head of Multi-Asset Strategies of BlackRock’s Scientific Active Equity division. He serves as a member of the Global Executive and Global Operating Committees. He served at Barclays Global Investors (BGI) as head of Global Market Strategies Group, head of Hedge Fund Management Group and co-head of the Client Solutions group until BGI’s merger with BlackRock in 2009. Prior to BGI, Dr. Kroner was an associate economics and finance professor at the University of Arizona. Dr. Kroner holds a mathematics and economics BA degree from the University of Alberta and a PhD in economics from UC San Diego.

Former President & CEO PFSCJerry Hudspeth

Jerry Hudspeth is a highly successful senior executive with over 30 years’ experience in the Financial Services industry. Mr. Hudspeth has served as President and CEO for a number of public and private multi-national corporations and is also retained by several major financial institutions and government agencies to provide consulting, analysis and expert opinion regarding ongoing business and legal matters.

Former Partner at Third PointKeri Findley

Keri Findley currently advises startups and is on the board of three fintech companies. She retired from Third Point as a partner in 2017 after joining in 2009 to start the Structured Credit business. Her focus was on distressed investment opportunities globally. At Third Point she oversaw investments in RMBS, CMBS, CDOs, CLOs, ABS, esoteric assets, specialty finance companies and their corresponding assets, and sat on the risk and compliance committees. Externally she was on the board of Fideicomiso Hipotecario (FHIPO) and oversaw the board of Swift Financial. Prior to Third Point, Ms. Findley worked at Eos Partners and D.B. Zwirn. She received a B.S. in Operations Research from Columbia University.

Fintech Expert, Director of Next MoneyAaron Oliver

Aaron Oliver is a fintech leader, board advisor and venture partner with over 20 years in financial services technology and 15 years across the Asia Pacific and the MEA region. He has experienced both a fintech exit and key leadership positions at payments giants, Visa and Mastercard. He currently serves as Director of Next Money, a leading fintech organization focused on driving change for the better in financial services through design, innovation and entrepreneurship. Over the last 4 years, Aaron was the Head of Digital Commerce and Emerging Payments at MasterCard responsible for overseeing and managing the MEA digital strategy and serving as a member of the MEA Operating Committee.

Formerly Bank of America Executive IGE Capital Equipment FinanceMike Gay

Mr. Gay has over 25 years in commercial finance experience in both capital markets and equipment finance. Mr. Gay was previously a director at Key Equipment Finance, managing director at Bank of America, managing director at GE Capital, and most recently managing director at NXT Capital. Currently, Mr. Gay is the executive VP and general manager of CG Commercial Finance, a boutique equipment finance platform.

Founder of Blockchain company Gyft (acquired by First Data)CJ MacDonald

CJ has over 15 years experience in launching early stage startups and has held various executive leadership roles. He has demonstrated an exceptional ability throughout his career to bring innovative products to market, attract large clients and deliver rapid sales expansion. Prior to co-founding Gyft (Acquired by First Data), CJ led Sales and Business Development initiatives at Luminate (Acquired by Yahoo) and Liveops. CJ is a graduate from Wesleyan University.

CTO, President and FounderAustin Trombley

Austin Trombley, MBA, is an avid Data Engineer and Data Scientist, with a decade of consulting and leadership experience at 7 Fortune 500 companies. He recently ran the data strategy at Prosper - which upended banks from credit, and co-founded a Quantitative Credit Hedge Fund, Random Forest Capital.

Vaultbank founding officers and management consist of Blockchain technical leaders, banking and investment professionals, and other leading technology thinkers, thereby ensuring the execution of the Vaultbank plan.

Executive Team

Head of Capital MarketsAaron Travis

Aaron has extensive experience in FinTech and growth focused investment banking. His background includes public equities, private placements, and other forms of capital raising. He was an early employee at CircleUp and held the CEO role at Deal Labs, and is a co-founder of Random Forest Capital. Aaron has a BSBA from Georgetown University.

Managing Director and FounderChristopher Cummock

Christopher has over 10 years of experience in investment and portfolio management, investment banking, syndicate calendar trading, and corporate finance. He holds two masters degrees from Florida International University including an MBA and Masters of Science in Finance, and an undergraduate degree from USC.   

Managing Director John Castaldo

John joins the Vaultbank team after over a decade as CEO and Owner of Raven Global Security Incorporated. John is also a specialist, entrepreneur, and consultant in foreign market entry strategies, including global payments and transactions services. He holds an undergraduate degree from Pace University.

Marketing Director

Eric Clarke

Eric is a serial B2B and B2C entrepreneur with a recent 2017 exit from a lifestyle brand. He has over 10 years of experience in branding and marketing. Eric holds a BS in Business Administration from the University of Southern California.

VP of TechnologyChris Cates

Chris is a multidisciplinary computer scientist experienced in systems level engineering and web development. Past experience with Gimmel Fund, Skrumble, LeadLogica and Pilot Interactive.

Director, Investor Relations + Business DevelopmentJohn Nahas

John has over 10 years of experience in international trade and finance, domestic and international policy, and new media. He holds a Master’s in Public Diplomacy from USC where he also earned undergraduate degrees in Communication and Political Science. 

Vaultbank founding officers and management consist of Blockchain technical leaders, banking and investment professionals, and other leading technology thinkers, thereby ensuring the execution of the Vaultbank plan.

Advisors

Chairman of LDJ Capital, Victoria Partners, LDJ Real Estate Group, Drake Hospitality Group and the Soho Loft GroupDavid Drake

David Drake is the Chairman of LDJ Capital, a family office based in NYC; Victoria Partners, LDJ Real Estate Group; Drake Hospitality Group; and, The Soho Loft Media Group. LDJ Capital's extended network of funds of funds and hedge funds manages 1.5 trillion USD in assets. David previously represented the US Commerce Department at the EU and he spoke at the UK Parliament. Mr. Drake’s access to 100,000 investors is maintained through his media holding investment The Soho Loft Media Group which has produced and sponsored over 1500+ global finance conferences since 2002. David Drake is actively involved in the crypto community as an advisor and speaker and has helped blockchain firms he advised raise $101M in funding through their ICO.

David Maughan is a Managing Director and Supervisory Principal with Navigant Capital Advisors, the dedicated corporate finance business unit of Navigant Consulting, Inc. (NYSE:NCI), in the Valuation & Financial Risk Management practice. Mr. Maughan is a dual national Canada/US and is based out of the New York office. Mr. Maughan has provided specialty financial advisory services to operating and financial companies for more than 40 years. During that time, he has worked with major companies and in entrepreneurial environments in the U.S., Canada and Japan.

David Maughan

Investment Banker

This document is provided to you for your information and discussion only and does not contain all the relevant information regarding investment in Vaultbanc Limited.  It is not a solicitation or an offer to buy or sell any security or for investment purposes. The information contained herein should not be considered as personalized advice from Vaultbanc Limited. Any information including facts, opinions or quotations, may be condensed or summarized and is expressed as of the date of writing. The information may change without notice and Vaultbanc Limited is under no obligation to ensure that such updates are brought to your attention. Vaultbanc Limited reserves the right to remedy any errors that may be present in this document.

Prospective investors should read in detail the Vaultbanc Limited White Paper, Offering Memorandum and other relevant documents before investing in Vaultbanc Limited. Investors should consult their advisors for any tax, accounting, financial, legal, or any related advice regarding investment in Vaultbanc Limited and should not rely on the material contained herein. In no case whatsoever will Vaultbanc Limited and/or its affiliate companies be liable to anyone for any decision made or action taken in conjunction with the information and/or statements in this document or for any related damages.

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