norbloc - Pitch Deck

Mutualizing Regulatory Compliance March, 2020

Status quo: siloed, paper-based handling ofregulatory data is a major impediment to customerexperienceand robust compliance Bank A Bank B Licensing Authority Obliged entities loc norb Fintech Lab - Confidential copy 2

In norbloc, we have created platforms allowing the exchange of regulated data within and across institutions Data collection and review Sancus Atlas Fides Data sharing Single entity installation Multi-entity installation Installation across within group of companies companies Fintech Lab - Confidential copy 3

Atlas blockchain platform offers one single version of customer regulated data across divisions and jurisdictions of large institutions Bank customers use the digital portal to create their KYC/customer file based on information requests from participating subsidiaries Institution Officers review the KYC file; once validated by the bank, the KYC file is placed on a shared blockchain-based ecosystem The customer file, at customer’s request, is available to any ecosystem entity and any changes made by the customerare propagated to all accredited partiesonce validated Entities accessing an existing KYC file have view of one version of truth across all participants; Compliance teams have full audit trail of customer files Fintech Lab - Confidential copy 4

The extension of Atlas is Fides, allowing banks to mutualize KYC workload between them and to monetize on their existing validation efforts Fides is a platform that allows customers to share validated KYC data across institutions in the Fides ecosystem The solution is particularly relevant to large Corporate clients and allows banks to share the burden of validation and maintenance of regulated data Most importantly, it alleviates extensive burden from customers as they now provide and amend data once, irrespective of parties with access to that data Finally, the platform allows banks to monetize on their existing KYC efforts by electing to charge 3rd parties for access to their validating stamps Fintech Lab - Confidential copy 5

Fides is now in production with 8+ institutions, more than 200,000 companies and endorsed by Moody’s as credit positive for the banking sector! Fintech Lab - Confidential copy 6

[email protected] www.norbloc.com Fintech Lab - Confidential copy 7