IUNO TOKENS

IUNO’s binary system allows two classes of tokens to operate and interact: a stable asset-backed token as the medium of exchange of all in-network transactions and a utility token to pay for the cost of converting asset-backed token into fiat currency and other edge transactions.

THE ASSET-BACKED TOKEN IUNO’s Asset-Backed Token (ABT) is anchored to a fiat currency of choice (e.g. ABT-USD if backed by US Dollars, ABT-EU if token is backed by Euros) and its liquidity is guaranteed by funds held in a dedicated trust account with the holders of the respective tokens as the only beneficiaries. The ABT has zero volatility since its exchange rate with the currency held in the trust account is 1:1. When an ABT is purchased, a new token is created, when an ABT is redeemed, the corresponding token is destroyed.

IUNO’S UTILITY TOKEN (IUNIT)

The IUNIT is a service-driven utility token used for redemption fees and other edge transactions. It is the gas on which the IUNO ecosystem runs:

1. IUNITs are paid to redeem Asset-Backed Tokens

2. IUNITs are paid for interests on the P2P lending platform

3. IUNITs are paid to the masternodes operators to record transactions on the blockchain

4. IUNITs are paid to provide processing power to 3rd-party dApps built on top of IUNO

5. IUNITs are required as deposit to operate masternodes and as edge agents

WHY YOU SHOULD BUY IUNITS

IUNO’s utility token is what is driving the adoption and retention of the ecosystem. By only charging transactional fees at the edges we create an incentive for transactions to stay within our ecosystem. IUNIT provides a scalable opportunity for moving money transactions outside of the traditional financial system. The IUNIT is a finite commodity in an environment of constantly increasing demand. ABT volume, interests on the P2P lending platform, dApps, deposits and fees for masternodes and edge agents are all drivers of demand for the token. The larger the network grows, the higher the demand for IUNITs and the more valuable the token becomes.

BENEFITS FOR FIRST IUNIT ADOPTERS

IUNITs will be offered at a staggered discount:

The first 20,000,000 IUNITs will be sold at a 50% discount

The second 20,000,000 IUNITs will be sold at a 40% discount

The next 20,000,000 IUNITs will be sold at a 30% discount

The next 20,000,000 IUNITs will be sold at a 20% discount The remaining 30,500,000 will be sold with no discount

Tranches over a million IUNITs are sold with special terms at private sales. Please contact Legal@iuno.io for details.

IUNO’S UTILITY TOKEN DISTRIBUTION

Description Token %

Token Sales 110,500,000 36.83%

Developer Token 50,000,000 16.67%

Airdrops 10,000,000 3.33%

Marketing 20,000,000 6.67%

Coinmaster 2,000,000 0.67%

Bounty 10,000,000 3.33% Founders 50,000,000 16.67% Reserve 47,500,000 15.83% Total 300,000,000 100% TOKEN SALE TERMS 1000 IUNIT=1 ETH | ERC20/23 Compatible Token | Purchase method: ETH, BTC or Fiat Start Date Pre-Sales May 14h, 2018 10:00 am EST Duration of Token Pre-Sale 63 days, until July 16th, 2018 23:59:59 EST Start Date Public Sales July 17h, 2018 0:00 am EST Duration of Token Public Sale until November 16th, 2018 23:59:59 EST Token Generation Event November 19th, 2018 Token Distribution November 20th - 25th, 2018 THE TEAM Amin El-Gazzar — CEO Amin El-Gazzar is a technologist and serial entrepreneur with a number of successful startups in the United States and internationally. At the beginning of his career, he designed and implemented a global knowledge network for Siemens AG as well as the largest object-oriented database of its kind to effectively track drug interactions for Merck. Amin was the Founder and CEO of Venali, a global scalable messaging platform capable of handling a billion+ mission-critical, high- value messages per day used by more than half of the Fortune 500 companies worldwide. Today approximately 50% of blood & lab test results in the United States are submitted using this network. Throughout his career, Amin has been granted multiple patents for his innovative ideas. Lorenzo Delzoppo — Legal/Compliance Counsel Lorenzo Delzoppo is a NY attorney with 20 years of regulatory compliance, risk management, and legal experience. He began his career in the regulatory field with money services businesses operating nationally and internationally. He spent 10 years as Chief Compliance Officer of a US bank where, in addition to permanent internal control functions, his accountabilities included strategy development, regulators relations, external auditors and counsels’ coordination, as well as direct oversight of the Financial Crime area. In his consulting practice, he advises law firms, financial institutions and blockchain startups on a broad spectrum of compliance and regulatory matters. Lorenzo is a speaker, organizer and moderator of numerous international conferences and lectures at university seminars. Thomas Wawra — Head of EU Operations Thomas Wawra studied mechanical engineering at the Technical University of Munich and is an entrepreneur with more than 22+ years’ experience in the Datacenter field and consulting the financial industry. He developed sales and strategic partnerships with Microsoft, SAP and IBM and opened up offices in London, Singapore and Germany and spent more than 6 years in the US. Thomas has been a speaker, organizer and moderator at several international conferences and developed training materials and compliance trainings for financial institutions for the Data Center industry. He has been providing consulting and training services to the IBM Data Centre Team for many years and he has become very familiar with their Hyperledger blockchain architecture and IBM Watson project on AI technology. John Czelusniak — Chief Marketing Officer Czelusniak has spent 15+ years as the Chief Marketing Officer of various consulting firms and businesses that serve private clients globally. He has also held other management level positions where he has head marketing and advertising budgets in the millions. He also continues to serve as an outsourced Business Strategy Advisor for CMOs for mid to large cap companies in an array of industries. After obtaining his MBA with a minor specialization in Marketing Strategy, John has decided to focus primarily on becoming the outsourced CMO for companies. John continues to further his education acquired a second Master’s Degree in Professional Accounting at the University of Miami. The cause of this disengagement and mistrust for banks can be found in their long-standing attitude towards certain categories of people and businesses: banks do not want the money of clients that they perceive as higher-risk or low- profit. Banks’ incapacity of partnering with their clients to manage the inherent risk of their business leads to a system that punishes people who own less and subsidizes people who own more. The less money you have, the higher the costs to access banking services - from interest rates to account fees. If you have a lot of assets, most fees are waived and interest rates are low. This dichotomy keeps low-income families trapped in a vicious cycle and small family businesses struggling for their very existence. In the past there was no alternative… Today we can change all this! WORLDWIDE Estimates of the proportion of adults worldwide that do not have an account at a bank institution or mobile provider according to a 2014 WorldBank survey: Unbanked = 38% of adults USA Estimates of the proportion of U.S. households that do not have an account at a bank institution, and the proportion that have an account but obtained (non-bank) alternative financial services according to a 2015 FDIC survey: Unbanked = 7% of US households (9 million households) Underbanked = 19.9% of US households (24.5 million households) BITCOIN Chainalysis estimated that in 2017 just $2.28 out of the 150 billion in bitcoin outstanding in the market were transacted by consumers for merchant services. $2.28 out of 150 billion 0 20 40 60 80 100 11 14 38 43 45 47 57 68 48 55 85 86 90 94 96 98 South Mexico India Africa UK U.S. Brazil Japan China Volume Value CONSUMER TRANSACTIONS CARRIED OUT IN CASH 38% 27% 1.5% IUNO Utility Token Pre-Sale 05/06 2018 IUNO Wallet Launch 12 2018 Payment Gateway Launch Q4 2018 Exchange Services and Debit Card Launch Q2 2019 IUNO Banking Services Launch Q1 2019 Benefit Management Suite Launch Q3 2019 Public Sale 07 2018 Public Sale Ends

IUNO TOKENS IUNO’s binary system allows two classes of tokens to operate and interact: a stable asset-backed token as the medium of exchange of all in-network transactions and a utility token to pay for the cost of converting asset-backed token into fiat currency and other edge transactions. THE ASSET-BACKED TOKEN IUNO’s Asset-Backed Token (ABT) is anchored to a fiat currency of choice (e.g. ABT-USD if backed by US Dollars, ABT-EU if token is backed by Euros) and its liquidity is guaranteed by funds held in a dedicated trust account with the holders of the respective tokens as the only beneficiaries. The ABT has zero volatility since its exchange rate with the currency held in the trust account is 1:1. When an ABT is purchased, a new token is created, when an ABT is redeemed, the corresponding token is destroyed. IUNO’S UTILITY TOKEN (IUNIT) The IUNIT is a service-driven utility token used for redemption fees and other edge transactions. It is the gas on which the IUNO ecosystem runs: 1. IUNITs are paid to redeem Asset-Backed Tokens 2. IUNITs are paid for interests on the P2P lending platform 3. IUNITs are paid to the masternodes operators to record transactions on the blockchain 4. IUNITs are paid to provide processing power to 3rd-party dApps built on top of IUNO 5. IUNITs are required as deposit to operate masternodes and as edge agents WHY YOU SHOULD BUY IUNITS IUNO’s utility token is what is driving the adoption and retention of the ecosystem. By only charging transactional fees at the edges we create an incentive for transactions to stay within our ecosystem. IUNIT provides a scalable opportunity for moving money transactions outside of the traditional financial system. The IUNIT is a finite commodity in an environment of constantly increasing demand. ABT volume, interests on the P2P lending platform, dApps, deposits and fees for masternodes and edge agents are all drivers of demand for the token. The larger the network grows, the higher the demand for IUNITs and the more valuable the token becomes. BENEFITS FOR FIRST IUNIT ADOPTERS IUNITs will be offered at a staggered discount: The first 20,000,000 IUNITs will be sold at a 50% discount The second 20,000,000 IUNITs will be sold at a 40% discount The next 20,000,000 IUNITs will be sold at a 30% discount The next 20,000,000 IUNITs will be sold at a 20% discount The remaining 30,500,000 will be sold with no discount Tranches over a million IUNITs are sold with special terms at private sales. Please contact Legal@iuno.io for details. IUNO’S UTILITY TOKEN DISTRIBUTION Description Token % Token Sales 110,500,000 36.83% Developer Token 50,000,000 16.67% Airdrops 10,000,000 3.33% Marketing 20,000,000 6.67% Coinmaster 2,000,000 0.67% Bounty 10,000,000 3.33% Founders 50,000,000 16.67% Reserve 47,500,000 15.83% Total 300,000,000 100% TOKEN SALE TERMS 1000 IUNIT=1 ETH | ERC20/23 Compatible Token | Purchase method: ETH, BTC or Fiat Start Date Pre-Sales May 14h, 2018 10:00 am EST Duration of Token Pre-Sale 63 days, until July 16th, 2018 23:59:59 EST Start Date Public Sales July 17h, 2018 0:00 am EST Duration of Token Public Sale until November 16th, 2018 23:59:59 EST Token Generation Event November 19th, 2018 Token Distribution November 20th - 25th, 2018 THE TEAM Amin El-Gazzar — CEO Amin El-Gazzar is a technologist and serial entrepreneur with a number of successful startups in the United States and internationally. At the beginning of his career, he designed and implemented a global knowledge network for Siemens AG as well as the largest object-oriented database of its kind to effectively track drug interactions for Merck. Amin was the Founder and CEO of Venali, a global scalable messaging platform capable of handling a billion+ mission-critical, high- value messages per day used by more than half of the Fortune 500 companies worldwide. Today approximately 50% of blood & lab test results in the United States are submitted using this network. Throughout his career, Amin has been granted multiple patents for his innovative ideas. Lorenzo Delzoppo — Legal/Compliance Counsel Lorenzo Delzoppo is a NY attorney with 20 years of regulatory compliance, risk management, and legal experience. He began his career in the regulatory field with money services businesses operating nationally and internationally. He spent 10 years as Chief Compliance Officer of a US bank where, in addition to permanent internal control functions, his accountabilities included strategy development, regulators relations, external auditors and counsels’ coordination, as well as direct oversight of the Financial Crime area. In his consulting practice, he advises law firms, financial institutions and blockchain startups on a broad spectrum of compliance and regulatory matters. Lorenzo is a speaker, organizer and moderator of numerous international conferences and lectures at university seminars. Thomas Wawra — Head of EU Operations Thomas Wawra studied mechanical engineering at the Technical University of Munich and is an entrepreneur with more than 22+ years’ experience in the Datacenter field and consulting the financial industry. He developed sales and strategic partnerships with Microsoft, SAP and IBM and opened up offices in London, Singapore and Germany and spent more than 6 years in the US. Thomas has been a speaker, organizer and moderator at several international conferences and developed training materials and compliance trainings for financial institutions for the Data Center industry. He has been providing consulting and training services to the IBM Data Centre Team for many years and he has become very familiar with their Hyperledger blockchain architecture and IBM Watson project on AI technology. John Czelusniak — Chief Marketing Officer Czelusniak has spent 15+ years as the Chief Marketing Officer of various consulting firms and businesses that serve private clients globally. He has also held other management level positions where he has head marketing and advertising budgets in the millions. He also continues to serve as an outsourced Business Strategy Advisor for CMOs for mid to large cap companies in an array of industries. After obtaining his MBA with a minor specialization in Marketing Strategy, John has decided to focus primarily on becoming the outsourced CMO for companies. John continues to further his education acquired a second Master’s Degree in Professional Accounting at the University of Miami. The cause of this disengagement and mistrust for banks can be found in their long-standing attitude towards certain categories of people and businesses: banks do not want the money of clients that they perceive as higher-risk or low- profit. Banks’ incapacity of partnering with their clients to manage the inherent risk of their business leads to a system that punishes people who own less and subsidizes people who own more. The less money you have, the higher the costs to access banking services - from interest rates to account fees. If you have a lot of assets, most fees are waived and interest rates are low. This dichotomy keeps low-income families trapped in a vicious cycle and small family businesses struggling for their very existence. In the past there was no alternative… Today we can change all this! WORLDWIDE Estimates of the proportion of adults worldwide that do not have an account at a bank institution or mobile provider according to a 2014 WorldBank survey: Unbanked = 38% of adults USA Estimates of the proportion of U.S. households that do not have an account at a bank institution, and the proportion that have an account but obtained (non-bank) alternative financial services according to a 2015 FDIC survey: Unbanked = 7% of US households (9 million households) Underbanked = 19.9% of US households (24.5 million households) BITCOIN Chainalysis estimated that in 2017 just $2.28 out of the 150 billion in bitcoin outstanding in the market were transacted by consumers for merchant services. $2.28 out of 150 billion 0 20 40 60 80 100 11 14 38 43 45 47 57 68 48 55 85 86 90 94 96 98 South Mexico India Africa UK U.S. Brazil Japan China Volume Value CONSUMER TRANSACTIONS CARRIED OUT IN CASH 38% 27% 1.5% IUNO Utility Token Pre-Sale 05/06 2018 IUNO Wallet Launch 12 2018 Payment Gateway Launch Q4 2018 Exchange Services and Debit Card Launch Q2 2019 IUNO Banking Services Launch Q1 2019 Benefit Management Suite Launch Q3 2019 Public Sale 07 2018 Public Sale Ends

https://IUNO.io