1© 2015 Karmic Labs Inc . All rights reserved. The Karmic Labs Dash Prepaid MasterCard is issued by Sunrise Bank, N.A., St.Paul, MN 55103, Member FDIC, Pursuant to a license from MasterCard International Inc.

Loretta Koerner

March 13, 2015

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What is DASH?

DASHIs a revolutionary mobile app and software solution that offers spending flexibility for employees and provides control, flexibility, security, simplicity and transparency to employers all coupled with a card*! And currently integrating with accounting software that will further improve the experience!

© 2015 Karmic Labs Inc . All rights reserved

*Dash Prepaid MasterCard ® (Dash MasterCard)2

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DASH Features

•Flexibility

• Mobile approvals

• Dynamic funds movement

at No Cost

•Control

• Visibility and real-time tracking

• Budgeting, allocating funds

•Accounting Simplicity

• Real-time reports

• Integration with accounting

software (future enhancement)

• Security

• Eliminate card sharing

Employer Features

• Flexibility

• Receive your own card

• Receive real-time funds

• Control

• Release unused funds

• Accounting Simplicity

• Tag transactions in real-time

• Expense reports with fewer

errors

•Security

• Eliminate need for

use of personal card or

borrowing others’

Employee Features

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In real time – manage budgeting, cash flow, movement of funds and expense reporting

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Business Drivers of DASHCorporate cash flow problems

ManagerHas to share corporate card with employees

Employees and ContractorsUse personal cards for expensesDelay in getting reimbursed

Expense reporting frustrations

Controllers and BookkeepersTracking down expense reports and correcting errors

Employees and ContractorsManaging expenses and submitting expenses after the fact

© 2015 Karmic Labs Inc . All rights reserved

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1. Travel & Expense Benchmark Report from Paystream Advisors2. Wall Street Journal March 20143. Karmic Labs study

Average cost to process a single expense report

$4-$20

$7 - 20

$2,000Average cost of lost time and productivity per employee/yr

Average cost of processing paper checks

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© 2015 Karmic Labs Inc . All rights reserved

Save time and money with DASH

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How it works

Employee Needs Funds

for T&E, Purchasing

Unused Funds

Returned to Master

Account

Manager Approves /

Employee pulls funds as needed

Funds available

immediately to Employees

Real Time Authorization & Reporting

Payment Card + Mobile Application

Cash flow management

Manager satisfiedController satisfied Employee satisfied

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Summary

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33%Reduction in cost

due to leveraging T&E expense management

solutions

44%Increase in policy compliance when leveraging T&E management

solution

Start now at no cost – get the Dash app and the Dash MasterCard!

Source: Aberdeen End to End Visibility into T&E Management, 2013

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DASH Plans

No-Cost Plans*

Ignition Package Launch Package Rocket Package

Up to 5 Cards Up to 20 CardsUp to 10 Cards

*All of the packages are No Cost; Subject to Terms and Conditions (some fees may apply)

Enterprise Package

More than 20 cards

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Thanks!

Signup Now It won’t cost anything!

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“Dash is the only corporate card that I am comfortable giving to every employeeand still feel secure that I have control and visibility of our funds.”

Dash removes the daily friction from cash and expense management by givingme instant visibility into all fund flows and transactions.”

Serena Xu, Financial Manager, 1-Page (Publicly listed, ASX: 1PG)

Watch DASH video link now!

CLICK HERE FOR VIDEO

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Appendix

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Customers

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Industry leading payments processor. Over 200M accounts. Over 1B transactions authorized annually.

Investors & Board Members

Who we are…

Partners

Draper Associates

Gary Rieschel

Cloud based accounting software serving more than 370,000 businesses.

Public Company (ASX: 1PG)

© 2015 Karmic Labs Inc . All rights reserved

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Team

Ryan WeidenmillerCEO & Co-founderBuilt top ten ranked venture firm in China with several successful exits. Simultaneously ran a successful international technology hedge fund.

Chris AgertonCTO & Co-founderPreviously at Google, founding engineer at Pintrest, developed high availability architecture at Scribd.

Garrett BlytheCo-founderFounder Memory Max which sold successfully to Shutterfly, co-inventor of xfire – a leader in the gaming space, foundingg engineer at epinions and browser engineer at Netscape.

AJ KhanChief Compliance OfficerImplemented compliance programs for OFAC, Visa, Union Bank, Wells. Licensed California Attorney, CRCM and CAMS.

Mario FurgiueleSVP, Business Development & Financial ProductsPayments industry veteran previously at FIS and American Express. Received American Express presidents award and led market leading products including Amex Bluebird, GenNow and US Bank’s Contour.

Loretta KoernerVP, National SalesPreviously Director of Sales with First Data; 3rd ranking sales leader with an annual average sales performance of $36 Million in new business.

© 2015 Karmic Labs Inc . All rights reserved

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Business Expense

Business Spend

Expense & Spend Management

Market Landscape

Mobile Real-time Control Secure Flexible Simple

Why DASHOver Others

© 2015 Karmic Labs Inc . All rights reserved

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Questions?

Call Karmic Labs VP at:Loretta KoernerVP National Salesloretta@karmiclabs.com856-375-7014

© 2015 Karmic Labs Inc . All rights reserved ™