20 July 2015

ASX ANNOUNCEMENT

AirPocket Product Presentation

Digital payments company Digital CC Limited (ASX:DCC) (trading as digitalBTC and “the Company ”) is pleased to provide the accompanying presentation, providing a comprehensive explanation and details of its disruptive AirPocket product.

The attached presentation is currently being used for marketing purposes to potential commercial partners, as part of the Company’s roll out strategy, in the U.S., Latin America and the Caribbean.

The App is due to complete its current testing phase in Q3 2015 ahead of the next stage of testing, which will on-board external users in select regions.

On 13 July the Company released a video providing a brief overview of the products functionality and interface, which can be viewed here - https://youtu.be/u3-rFutxZyw. This presentation provides more in-depth information in relation to the App’s capabilities and how it works.

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For further information please contact:

digitalBTC Zhenya Tsvetnenko Executive Chairman T: +61 8 9389 2000 Alex Karis Chief Executive Officer T: +1 (617) 544 3150	Media Media & Capital Partners Asher Moses Director +61 438 008 616 [email protected]

About digitalBTC

Digital CC Limited, trading as digitalBTC, operates as an innovative software solutions company, providing investors exposure to the global digital payments systems industry through disruptive fintech solutions in the remittance and digital currency sectors.

The Company has developed a suite of new and innovative software for institutions and consumers, leveraging Blockchain technology and the secure ledger system to create new and innovative products for institutions and consumers.

The Company’s most recent product, AirPocket, is designed to provide consumers with the ability to securely and cost-effectively send remittances in any currency, from anywhere, anytime, regardless of the transaction size.

Digital CC Limited is based in Perth, Australia and has offices in Boston and New Jersey, U.S.

Expand money services to the unbanked

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Expand geographic reach of money remittance services to rural areas
Allow an institution’s agent to process remittances through the use of a smart phone regardless of location
Lower remittance infrastructure costs for institutions
Lower remittance service fees for individuals
Provide more efficient remittance model

Expand deposit base to financial institutions by bringing remittance flows into mobile accounts

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Create a new market for the previously unbanked
Enable automated credit monitoring
Reduce compliance and processing costs of remittances
Decrease data retention and recordkeeping costs through the use of the blockchain technology

• Quicker and cheaper than existing options

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Mobile-message-based payments and banking
Users can store their cash value in SMS-based wallets
Use SMS and other mobile messaging platforms to make payments, buy goods and share value with friends and family
Enabling entrepreneurship
Post-dated codes, e.g. for bills of sale, can be used as lending collateral with AirAgents
Platform can be used for reputation-based peer-to-peer lending
Permanent blockchain records of transactions tied to unique user ID’s can help build credit histories and financial identities for users

• Act as remittance brokers

Need only a smart phone and a small cash float
Earn commissions for processing transactions
Are vetted for KYC and AML compliance

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Act as distribution hub for rural communities

6-digit alphanumeric codes sent by SMS or other mobile platform

• Store monetary value and can be used as a form of payment

Are hidden from the AirAgents who create and redeem them
Can only be used once

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Complies with Know Your Customer regulation
Complies with Anti-Money Laundering regulation
Registered with Financial Crimes Enforcement Network
Proactive compliance with transaction monitoring best practices through in-app filters

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User Experience: Using an AirAgent

Requirement

Step 1

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AirAgent deposits USD in his account via ACH, credit or debit card, or through a retail location in order to process AirPocket transactions.

The sender locates the AirAgent and asks him to send $100 to a certain country. AirPocket creates an AirCode for the sender.

Step 2

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Step 3

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The AirCode is sent to the sender by text message.

The AirAgent receives a commission.

The sender calls the receiver in her country and gives her the AirCode, or AirPocket sends the receiver the AirCode by text message if she has a phone.

Step 4

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Step 5

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The receiver locates an AirAgent to exchange her AirCode for cash. The AirAgent receives commission out of the redeemed balance.

The sender receives a confirmation text message that the AirCode has been redeemed.

Use an AirCode to make a purchase. Maria has an AirCode with some value. She does not need to have an AirPocket account for this use.

Step 1

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Step 2

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Maria is at a store that uses the AirPocket app. By text message, she buys an apple using her AirCode.

Maria receives her change through text message. Her change is stored in a new AirCode.

Maria has 1403 pesos and wants to send 354 pesos to Julia. Julia can access her funds by redeeming for cash at an AirAgent, or depositing into her AirPocket account via a text command.

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The AirAgent Application

AirAgent: Send Money

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To send money for a consumer, the AirAgent clicks the blue “Send AirCode” button on the homescreen.

AirAgent: Send Money

The AirAgent selects the country in which the consumer is sending money and continues to fill out the Send Form.

The AirAgent clicks “Create AirCode”.

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AirAgent: Send Money

The consumer confirms the details are correct and creates the AirCode. A release token is sent to the consumer’s mobile device.

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AirAgent: Send Money

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The consumer’s release token is then entered into the application by the AirAgent to verify the transaction.

The AirCode is created and sent to both the sender and the receiver. The money has been sent.

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AirAgent: Redeem AirCode

To redeem an AirCode for a consumer, the AirAgent clicks the blue “Redeem AirCode” button.

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AirAgent: Redeem AirCode

The AirAgent then enters the consumer’s AirCode.

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AirAgent: Redeem AirCode

The AirAgent confirms the details are correct and pays the consumer. The AirCode has been redeemed.

The AirAgent’s app is locked on this screen until they either confirm or refund, e.g. if they do not have sufficient funds. Refunds are sent back to the recipient by text in a new code.

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AirPocket Interface: Finding an AirAgent

Find an AirAgent

Both Users and AirAgents can locate other AirAgents by clicking the “AirAgent Finder” button on the home screen.

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AirAgents and Users can click on any AirAgent pindrop to view the specific location and contact information of the AirAgent.

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AirAgents and Users can view all AirAgents and their corresponding details in list form.

Competitive Advantages and the Market

On average, AirPocket fees are less than half of that of the incumbents

Firm	Service	Fee (USD)	Exchange Rate Margin (%)	Total Cost (%)	Total Fees (USD)
Western Union	Instantaneous, cash-to- cash	$8.00	2.79%	18.79%	$9.40
Ria	Instantaneous, cash-to-cash	$4.00	1.33%	9.33%	$4.67
MoneyGram	Same day, cash-to-cash	$9.99	1.79%	21.77%	$10.89
Wells Fargo	Same day, cash-to-cash	$7.50	2.46%	17.46%	$8.73
Delgado Travel	Instantaneous, cash-to- cash	$6.00	3.78%	15.78%	$7.89
Xoom	Bank account to cash, 2 day transfer	$4.99	2.35%	12.33%	$6.16

Sharing economy model (i.e. Uber and Airbnb)
Easy to use
Low transaction fees
Transactions can be executed at any time
Low infrastructure cost

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Instant micropayments 24 hours a day

The current market for cash-to-cash remittances remains dominated by fairly highcost entities offering storefront locations and mobile apps.

Service costs can vary dramatically between vendors. For example in Mexico, costs can vary up to 130 pesos between the various remittance services (i.e. Western Union, US Postal Service, Xoom). This figure is quite high, as one day of bread in Mexico costs about 15 pesos.

Bank account to bank account transfers are a bit cheaper, but offer limited or no access to the unbanked.

Remittance volume to Latin America is growing rapidly, presenting a large opportunity to compete with existing overpriced vendors in the cash-tocash transfer space. AirPocket's low infrastructure costs allow for significant profit opportunities, even at low margins.

Easy to deploy in any region with domestic banking, AirPocket allows cash to be transmitted anywhere in the world.

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AI assistant

DIGITALX LIMITED Investor Presentation 2015

64762_rns_2015-07-19_43f1a1be-a18c-4b74-bff2-3049755eb6dc.pdf

ASX ANNOUNCEMENT

AirPocket Product Presentation

Ends

About digitalBTC

• Quicker and cheaper than existing options

• Act as remittance brokers

• Store monetary value and can be used as a form of payment

User Experience: Using an AirAgent

Requirement

Step 1

Step 2

Step 3

Step 5

Step 1

Step 2

The AirAgent Application

AirAgent: Send Money

AirAgent: Send Money

AirAgent: Send Money

AirAgent: Send Money

AirAgent: Redeem AirCode

AirAgent: Redeem AirCode

AirAgent: Redeem AirCode

AirPocket Interface: Finding an AirAgent

Find an AirAgent

Competitive Advantages and the Market

On average, AirPocket fees are less than half of that of the incumbents

AI assistant

DIGITALX LIMITED — Investor Presentation 2015

64762_rns_2015-07-19_43f1a1be-a18c-4b74-bff2-3049755eb6dc.pdf

ASX ANNOUNCEMENT

AirPocket Product Presentation

Ends

About digitalBTC

• Quicker and cheaper than existing options

• Act as remittance brokers

• Store monetary value and can be used as a form of payment

User Experience: Using an AirAgent

Requirement

Step 1

Step 2

Step 3

Step 5

Step 1

Step 2

The AirAgent Application

AirAgent: Send Money

AirAgent: Send Money

AirAgent: Send Money

AirAgent: Send Money

AirAgent: Redeem AirCode

AirAgent: Redeem AirCode

AirAgent: Redeem AirCode

AirPocket Interface: Finding an AirAgent

Find an AirAgent

Competitive Advantages and the Market

On average, AirPocket fees are less than half of that of the incumbents

More from DIGITALX LIMITED

DIGITALX LIMITED Investor Presentation 2015