IOU ~ Global Digital E-commerce Trends

IOU offers complete transparency utilizing Blockchain for its Group Loyalty offers with clear visibility, security, speed of processing and traceability of transactions through the decentralized register of all sources.

IOU is Offering Merchants and Consumers clear advantages over the traditional e-commerce environment making transactions Cost-Effective and Secure while building ultimate trust between Merchants and Consumers. Rating mechanism would boost a trust even further.

Cost-effectiveness of transactions and global reach of consumers beat the conventional digital payment methods as it removes the middlemen/payment processors that take a big cut.

Not only consumers would feel secure and get significant savings but also, they could use their purchased IOUs as actual monetary assets which they will be able to trade with other consumers or sell on the exchange. This is a tremendous benefit of IOU Platform.

Loyalty factor is another huge benefit allowing both consumers and merchants to get rewarded for generating top rated, quality offers and transactions on IOU Exchange. Merchants and Consumers will be able to donate some IOUs for those in need and get rewarded for philanthropic activities.

The company would also place donation requests on special causes and would reward Merchants and Consumers, as well as match such donations to benefit those causes:

I. FOR MERCHANTS

• IOU-Co Issuance

• Online Store displaying various Merchant IOUs on range of categories

• Mobile and browser integration for transfers of IOU offers

• Marketing Campaign module allowing multi-media and social networking integration

• Consumer Data analysis such as GPS and Buying Trends

• Various permissions and roles based on Merchant status to reach consumers

• Analytic Reports on sales and consumer interaction

• Web Services with home grown or 3rd party applications

• Rating Tools

• Merchant would also have an option to Guarantee the Service and issue refunds of payments

• P2P Exchange of IOU offers between Merchants and Consumers as well as among other Merchants

II. FOR CONSUMERS

• Purchase IOU-Co offers from Merchants directly or on P2P IOU exchange

• Exchanging IOU-Co offers with other Consumers

• Unanimous messaging system to receive communications from Merchants of interest

• Consumer Profile Management module allowing consumers to promote their interests and receiving special offers from Merchants

• Rating functionality allowing Consumers to rate Merchants as well as other Consumers

• Secure Repository of purchased and favorite IOU-Co Offers

IOU APPROACH

IOU reinvents existing loyalty systems in order to provide more flexibility, control, and many more benefits for Merchants in order to guarantee the highest possible level of consumer satisfaction for the incurred marketing expenditures.

IOU “loyalty system” allows business owners to create a new level of interaction with consumers and, most importantly, provides the opportunity for consumers to freely exchange their purchased IOUs with other consumers for other IOUs which are needed more for those trading parties.

BONUSES

IOUX Tokens will be distributed based on the whitelisting-priority model. The ICO whitelisting process will start after the private institutional sale.

PRE-ICO: IOUX Tokens will be distributed based on the whitelisting-priority model. The pre-ICO whitelisting process will take 2 weeks after which Tokens will be offered for sale during 1 Day of Pre-ICO sale to registered individuals/entities which were approved during the whitelisting process.

ICO: IOUX Tokens will be distributed based on the whitelisting-priority model. The ICO whitelisting process will take 6-8 weeks after which Tokens will be offered for sale during 1-3 Days of ICO sale to registered individuals/entities which were approved during the whitelisting process.

Bonuses will be awarded based on the day of the whitelisting registration, total tokens sold and amount of investment. Here are the terms of the ICO bonus structure:

TOKEN DISTRIBUTION

Due to the high utilization expectations and the need for expansion capital, the Company will freeze the majority of the tokens (600,000,000) and only release up to 10% per year if necessary for company expansion, Marketing and Loyalty Programs to maintain token liquidity.

Company Management and Founders will reserve 20% of the tokens with 3 years-time based lock-up provisions.

The Company will reserve 28% of tokens only if there is a need for additional expansion capital during the first year of operation. Those unused tokens will be frozen otherwise. 2% of Tokens will be allocated for Advisors and Bounty programs.

BUDGET ALLOCATION

Most proceeds from the sale will be allocated for Marketing and Expansion purposes and 20% of proceeds will be allocated to complete the testing and release of Beta and future versions of IOU technology. All ICO Crowdsale investors will receive first invitations to the Closed Beta release prior to the Beta market release.

BENEFITS FOR MERCHANTS AND CONSUMERS

TOKENIZING MERCHANT PROMOTIONAL OFFERS ON BLOCKCHAIN

LOYALTY AND CUSTOMER RETENTION

IOU obligations would become Flagship Blockchain Loyalty Programs for Merchants, secured and effective way to promote special offers to Consumers.

IOU P2P EXCHANGE — MARKET DRIVEN FLEXIBILITY

Consumers would securely acquire IOU offers from the Merchants with specific terms for the promotional product or service such as time of expiration, limited quantity and exchange terms. Such flexibility would give Consumers certain time-frame to utilize products or services or provide opportunity to trade their IOUs with other Consumers anywhere around the world.

For example, Consumer A purchased restaurant IOU in Rome and is traveling to Paris might trade his/her IOU with the Consumer B who is traveling to Rome for the restaurant in Paris. We believe many Consumers would choose to purchase multiple IOUs from the same Merchant if the offer is attractive to have opportunity to trade some with other Consumers. This approach drives customer satisfaction while giving Merchants would not only get the opportunity to attract new customers but also receive their funds in advance.

VIRAL MARKETING

Each Consumer truly would become the “agent” targeting other Consumers on P2P exchange seeking to trade their acquired IOUs with other Consumers based on the need and value at the time of the transaction. Such approach allows merchants to obtain a stable influx of new customers and truly loyal customers.

ROADMAP