• Imagine the internet as a network that generate cash for its users online

• Your online social friends are now your revenue streams…

• A Social Collective Contribution Network, that offers freedom to create cash within a group without any fear of default…

• A massive network that will create viral domains…

• Our IP will make us a giant in the field of social collective contribution network

• Its the free easy way to make money online

• Our Weekly, Monthly or quarterly payout are going to be in the range of thousands, to millions of cash at no time are we going to miss a week from non compliance or default.

• Its going to be a Network within a network which will provide a native defense against disruption…

• We are going to lead the social lending sphere because we will provide the scarce alternative that will enable entrepreneurs having funds before they create, not create and look for Funds, the world as you know it for fund raising has changed…

• (A system that connects family and friends to contribute money with ZERO% loss)

• “it’s the free easy system to make money online ”

• (“We are connecting social network with payments”)

• (“The Social Network of Money”)

Presently we generate 40 emails a day in

close beta mode.

Has been used offline for centuries by our forefathers in Africa, as a cooperative group contribution now, we are making it more efficient online

Total number of users on social media today: 2

Billion People plus…

Connecting those 2 Billion people into online groups that makes money off each in Nigeria and Africa, is our ultimate goal, making the ultimate Social Collective contributory Network.

This will verify our goal of creating a Social Network of Money by Merging Social & Payment…

Two billion users on social network and no one is making money with their account.

2.) Africa have the solution to this problem but nobody has implemented it online until now

3.) The default rate on social lending now is high online and offline

4.) How do we connect your social network account with your payment platform of choice, so you make money, like facebook and paypal? 5) How do we stop someone that knows he will default, from defaulting

6.) How do we make sure when people contribute within a group everybody receives his share in due time? 7.) How do we keep the members that have no collected to contribute their share?

SOLUTION

Creating a system that will make default on payment the least option to take, even if a user can default, they wont.

Connecting social network and your payment platform so you and your friends can make money.

It’s the best use of having a social network account especially if its community based, knowing that soon you will start making money with your account .

Turning your facebook, twitter, Ning , googleplus, accounts into a bank account, its now a

community where you can interact with your contacts to generate revenue streams without default.

We are experienced native users of this concept offline, we understand the nuances involved, we pioneered this particular concept online with the date and time stamp to prove.

There are various ways of checkmating each user that wants to default, without taking away his privacy or freedom, these are what we have mastered it is what our IP is based on…

# Hint: Probability theory #TWEAK YOUR MINDSET If You want to know more, you must be a Verified Investor with Osusu

Differentiation between personal, groups and business accounts–Personal accounts are free, they can only do what other users do in a regular social network platforms.

–Group accounts will be charged 1.5% + 15cents per transactions

–Business/premier accounts are charged 2.00% of incoming funds + 30 cents per transaction

Advertisement from companies, NGOs, Organisations who wants to draw attention to their causes, celebrities who wants to their projects to be contributed towards.

Easy transition & use of existing infrastructure

Word of mouth marketing and mixed money pull.

Popularity of the social networking genre mixed with payments with online friends group contribution without fear of default will appeal to a wide audience , we will incorporate what has been popular already and makes it more appealing

Dichotomy between business, groups and personal accounts will creates demand

New recipients must register and get a trusted verified payment platform to receive funds, users who form cooperative associations online will use our BETA phase because they already knows each other

Bazaar: This is where new users without a group or friends to invite goes to look for vacant groups to join by amount and category, the new member will be able to choose from the groups by amount and time frame.

Users are looking up to SOCIAL LENDERS, PUDDLE, CROWDFUNDING SITES and all these do not really fulfill the satisfaction that is derived from the Give and take culture which we provide nor the fundamental freedom that’s is engraved in our DNA as humans. Moreover are native, organic users of this system we know how it works offline and online

Our advantage is that we already have an IP to protect us from present and future Impostors, we provide an immediate human satisfaction of give and receive, through majority of people you know, we already know whom are our target markets and where we will fit in, its not going to be all segments of society immediately, buts as far as you have a social network account preferably NING or facebook and a payment platform that is verified, you are can be a part of a VOW TEAM…

Our Advert mode will be our users and Word of Mouth!

We have totally eliminated the fear default and everybody anywhere in the world can start a group receive payment that first day or week, depending on how the group respond to our network process.

Users are looking up to SOCIAL LENDERS, PUDDLE, CROWDFUNDING SITES and all these do not really fulfill the satisfaction that is derived from the Give and take culture which we provide nor the fundamental freedom that’s is engraved in our DNA as humans.

Our advantage is that we already have an IP to protect us from present and future Impostors, we provide an immediate human satisfaction of give and receive, we already know whom are our target markets and where we will fit in, its not going to be all segments of society immediately, buts as far as you have a social network account preferably NING or facebook and a payment platform that is verified, you are can be a part of a VOW TEAM…

Our Advert mode will be our users and Word of Mouth!

We have totally eliminated the fear default and everybody anywhere in the world can start a group receive payment that first day or week, depending on how the group respond to our network process.

Colyns Ehys… Founder. Successes: avatar.com.ng…

domain expertise DEVELOPER & UX DESIGN…

BADMUS JIMOH: Product Development Msc Bus Information Technology, coder…

Joshua Ejiofor: Business Analyst…

Prince Andrew: Engineering and Network Systems

RISK GETTING ENOUGH USERS TO CREATE AND MAINTAIN EACH

NETWORK THE FIRST YEAR.

Making sure that individuals that will collect on the last week or month are not apprehensive because they might panic with the what if questions, encourage them to stay the cause, multiple options remain however.

having an investor who will have trust in our team to deliver on our projection:

HIGHLIGHT OF 3 YEARS REVENUE STREAM

• Total Customers 2 Million a year *3 years.

• Total Revenue 4,500,000 FEE paying customers * 3years

• Total Expense: = N15,000,000MILLION

• EBITDA

Our Direct competition right now are Puddle.com , whom we are not afraid to put it on record that they copied our concept when we launch our BETA in 2013 they were existing as KIVA and other side concept of group contribution when we launch our profile on different platforms online, they read what we intend to implement and immediately switch their focus, I wont be surprised if they start to change their concept again after we launch fully. Them and Crowdfunding websites, we wont focus on the establish names like facebook, google etc, for now..

Our Advantages? We have already protected our IP this is a system we have

perfected, so its imperative we have an IP as this can give us a leg up in this space before we launch fully, we are the first globally to put this concept online and have practiced it ourselves offline for years before deciding to make it universal, all the competitors I have identified so far none of the founders have used this concept themselves before they launched, it might not be a criteria but it is easier to implement a program, when you understand the fundamentals from the ground up, like the pressure that comes with taking other people’s cash and contributing your own when's its your time, Imagine when after we launched how easy it will be to implement such policies, we will check and Verify and create a plan B, that benefits the whole network in case of an emergency …

We are Raising $250,000 Thousand dollars as seed for equity or debt. With a mentor to guide us properly.

Our timing is 1 year from the date we get the funding, our wireframes, prototypes and work schedule are all set to go. So it will take a 45 days or less to test the network scale before deployment.

I took a personal loan from my bank to get us to this stage, that’s why we could not launch, the full version demand would have broke our servers

BREAKDOWN OF Use of Proceeds (as

% of total raise)

8% for Founder Salaries,

Sales & Marketing… 15%

New hires 12%

Technology / Product or Service

development 40%

Capital expenses / equipment 25%

The great urgency of now.

We are the based in Lagos, Nigeria,

Recently the Federal Government of Nigeria

launched a $1.7Billion dollar Micro Small &

Medium Enterprise scheme.

To access these funds MSME must be in a group

as cooperatives we are targeting these users as

the perfect customers, to grow with because

they have a point to prove as entrepreneurs,

with the osusu system powering them on, it will

be a win, win for all parties