Whitepaper - European Crypto Bank

European Crypto Bank Whitepaper September 2017

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europeancryptobank.io

EUROPEAN CRYPTO BANK (ECB) Paris - London – Milan

content EXECUTIVE SUMMARY THE FOUNDERS TEAM THE ADVISORS TEAM WHY ECB ? RESUME OF OUR SERVICES OUR DETAILED SERVICES THE PROBLEM OUR SOLUTIONS THE ECB PROJECT BUSINESS MODEL AND EXPECTED TURNOVER TARGETED MARKETS OUR COMPETITORS FUNDING WHY OUR TOKEN WILL INCREASE IN A LONG TERM APPROCH ICO TERM SHEET SERVICES ECB EXCHANGE AND TRADING PLATFORM WEALTH MANAGEMENT LEVERAGES ECB FINANCIAL ANALYSIS AND REPORTING COBALT SYSTEM - KYC & AML TAX REPORTING AND ADVICES TAX REPORTING AND VALUATION KYC & COMPLIANCE ARTIFICIAL INTELLIGENCE ICO - US OF PROCEEDS THE TEAM PARTNERS APPENDICES DISCLAIMER RISK FACTORS

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1803 Altitude Point 71 Alie Stret E1 8NG London United Kingdom

UK : +44 (0) 747.6790.442

[email protected]

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WHAT WE ARE GOING TO OFFER IS: How to make money on crypto currency Markets, by using a secure trading and an Exchange Platform, taking care of your domestic internal revenue services and converting your cryptocurrencies into all traditional assets without any risk of suspicion in Money Laundering.


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EXECUTIVE SUMMARY European Crypto bank will start the Trading and Exchange Platform in London (UK). Despite the Brexit, London still remains the main financial center in the European Landscape, The ECB Research and Innovation Center will be based in Paris (France) for French Public Funding reasons (subventions). The Global Tax Department will be located in Milan (Italy). The access to the ICO Market can offer us a unique opportunity to realize an ambitious and scalable Project of Investment.

Funds will be managed by a Financial and Compliant Team, as to offer a follow up quality, Tax Advisory, Anticipation of the Risks with IA tools for Anti-Money Laundering (AML), KYC, Wealth and Asset Management.

"Expectations by offering a secure cryptocurrencies exchange platform, liberalized and connected to the modern financial world."

Olivier FORGUES


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THE FOUNDERS TEAM

Olivier FORGUES CEO (France)

Mikael MISARD Head of European Development (France)

Matthew CLARK Head of Web design and Digital Marketing (United Kingdom)


Cyprian KOWALCZYK Chief Technical Officer Blockchain specialist (Poland)

Sandrine FAVRE Head of Operations, back and Middle office (France)

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[email protected] www.europeancryptobank.io 5


THE ADVISORS TEAM

Jean Louis DE MONTESQUIOU

Laurence DEVILLERS

Silva FISCHER

Researcher in CNRS, Professor at La Sorbonne (France)

Mathematician and Data Science expert (Germany)

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Founder and Founder and Ex CEO OFExUBS ) Ceo of( France UBS France (France )

Isabella CUGUSI Professor in Tax law and Tax Lawyer (Italy)

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Stéphane VOINSON Psychologist and Psychotherapist (France)

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Christian ANGELLA IT Development (France)

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THE ADVISORS TEAM

Mohamed SKIFATI Cartoonist ((United-Kingdom)

Fawad ALWI Student in Computer Science and Mathematics (United-Kingdom)

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Marianne TORDEUX Tax Lawyer

Benoît PINGUET SEO-SEM, web analytics

Dunny MOONESAWMY Analysis and financial

and User experience (France)

research (France)

Louis-Alexandre ROUX

Mariam COULIBALY

Communication Manager (France)

Social Networks Specialist

(France)

Aldo NATRELLA ,

Interpreter English French French, Interpreter English, Italian and German Italian and German (Italy)

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(France)

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Why ECB? The main problem for crypto investors is how to convert their crypto portfolios into all traditional assets, while facing a bank system that really appears hostile and unfriendly, towards the Crypto Eco-Sphere. ECB is determined in responding to this massive problem properly, by offering a secure trading multilingual exchange platform, by using our existing KYC and AML software (used over the last 9 years in our Wealth Management Business, by offering Tax Reporting for National Domestic Tax Revenue Services: France, Italy, Germany). With ECB, anyone in the world should be proud to have made some money on a Crypto Exchange. We believe we have a place in the Crypto World with a revolutionary offer, such as a Crypto Private Bank with all services that are supposed to be provided by a traditional private bank.

This is a preliminary Business Plan from European Crypto Bank (ECB, a company registered and incorporated in London in July 2014, with the partnership of Forgues Gestion SAS, a company incorporated in Paris in April 2009 and Woospeak Italia incorporated in Milan in July 2015. This new plan starts from Year 2018, and is intentionally formatted as a Pitch Deck, due to the very first stage of the Project's Business Planning.

In case of a successful raised token, our Research Laboratory will be located in Paris and the Tax Assistance Department will be located in Milan, whilst the Trading Platform and Exchange will take place in London. The Main Operating Center will be located in London, as well. European Crypto Bank Limited, Forgues Gestion France, and Woospeak Italia will merge in one pan-European company, only.

Welcome to a new financial area, we are changing our world into something new, clean and secured for all European citizens. Olivier FORGUES - CEO and Founder of European Crypto Bank


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RESUME OF OUR SERVICES - Trading Exchange and leveraged services on cryptocurrencies and FIAT.

- Financial & Advices analysis on Cryptocurrencies by the Analysts team and I.A.

- I.A. AML & Compliance and Tax reporting: Robots Compliances for all opening accounts and KYC, used by ECB and usable in the future under licensing contracts by the Financial Industry and others Exchange platforms.

- I.A. and Human Tax Advisories. The Tax Lawyers Team will advise and represent our customers all around Europe (Tax Consultancy and Juridical Assistance in case of Tax Litigations).

- Robot Advisors able to understand humans and immediately respond with the best efficient, emotional and suitable attitude, just like a human advisor.

- Our target: To become a fully regulated Crypto Bank, over the next 4 years in Europe, by creating a gateway between crypto currencies owners and all traditional assets (Shares, Bonds, Commodities, Real Estate…).


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OUR DETAILED SERVICES ECB Cryptocurrencies Trading and Exchange platform is a secured website to buy/sell or exchange cryptocurrencies and other currencies as US Dollars, Euros and other assets.

Strict KYC rules that require the user to verify all ID.


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THE PROBLEM The notion of Cryptocurrencies is relatively new, whereas the Market represented by Crypto is limited to a small community of people, who have a specific interest in this technology. The number of Cryptocurrency-Related Services offered nowadays in the Market is rather vast and it is in constant evolution.

For an Entry-Level User, navigating within such a diversity is quite difficult: e.g. defining the high-quality services from the low, figuring out how they work, and how to take advantages from the opportunities that the Cryptocurrency Market presents.

All above mentioned, we believe that it may result as the greatest challenges for the growth of Cryptocurrency Business

Olivier Forgues, the CEO of ECB says: « How can we make money, without any risk of money laundering and without any risk of fraud about our domestic taxation system »

The main problem, in order to reach a mass adhesion, is the confidence in the Crypto Market. People want to invest in a secure and a confident market, be well advised and obtain responses about their financial situation and their fiscal locality.


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OUR SOLUTIONS We aim to bring the Cryptocurrencies and the Blockchain products and services to the masses, by providing an easy-to-use one-stop-solution, that is suitable for individuals and businesses, regardless their level of experience, by respecting the Law Tax Rules in their own countries and by avoiding any case of Money Laundering.

With the implementation of our Robot Advisors (AI) and by offering a full research about Crypto Currencies, we reckon that we are offering a large and complete service for investors, including a training guide for all beginners in their own mother tongues, (French, English, and Italian; afterwards German, Spanish and Portuguese will follow).

1803 Altitude Point 71 Alie Stret E1 8NG London

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THE ECB PROJECT European Crypto Bank (ECB) is the culmination of 10 years of work and knowledge of financial markets, of financial analysis and researches. It also means the rapprochement of 2 companies: FORGUES GESTION and WOOSPEAK and of 2 men: Olivier FORGUES and Mikael MISARD, as well as a complete team of financial, juridical, IT and expert managers.

Our Story In 2008, Olivier Forgues (President of ECB) faced the Money Laundering Affair and the large-scale Tax Evasion, which was organized by UBS in France and then across Europe and the USA. As a former employee, ever since he wished to take time, as to apply the rules of diligence due, compliance and the applicable KYC, in accordance with the List of the Financial Risks, established by European Banks.


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What we are going to offer is:

This transparency evoked within the annexed videos, pushed Olivier FORGUES to work and develop some protections tools, as to manage risks and taxes assertions. Cobalt was created in 2009: a screener tool to analyze and manage financial, compliance and KYC risks.

After 10 years of experiments on the Regulated and Centralized Markets, Olivier FORGUES finally wishes to bring a new dimension to the financial investment, by taking advantage of the liberalization and the decentralization of Cryptocurrency Markets, while preserving these safety regulations, protection and rules, thanks to his valuable Know How

How to make money on Cryptocurrency Markets, by using a platform of secure Trading and Exchange, taking care of your domestic internal revenue services and converting your cryptocurrencies into all traditional assets, without any risk of suspicion of Money Laundering (AML Technology).

This company set up a tool of estimation of risks, of their anticipations and predictive scenarios, so to optimize investment efficiency

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Because Cobalt is already renown by the French Government and by the Private Organisation Europlace (Pôle de Compétitivité Mondiale et de l’Innovation).

of the Cryptocurrencies and the Blockchain on the Financial Market is uncertain and has still to reach the masses all over the world. This is due to several reasons: One of the main reason, is the versatility of the opportunities of development.

Our Laboratory of Research will be located in France. ECB represents

The Cryptocurrency- and Blockchain-related products and services are launched to target Cryptocurrency Users at Europeancryptobank.io. Although either those individuals who already have an advanced Bitcoin was launched as early as technical knowledge about the 2009, presenting the first use-case technologies mentioned above, of the Blockchain Technology, the or those who are highly interested in acquiring the position. advanced technical knowledge, related to such technologies a multifunctional platform for

To a beginner or an entry-level consumer, the World of Cryptocurrency may appear as too technical and even far too complicated, and in addition to that, finding some information about it might be quite a challenge, for a “non-technical” user. As a result, the entire market of opportunities is mainly available to the “Cryptocurrency Community".


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The aim of ECB is to start a change within the Market, so that the wide range of non-technical customers could take advantage from the

This goal is being accomplished by ECB through its top-of-the-line products and services implemented into one use-friendly platform.

several opportunities that Cryptocurrency and the blockchain industries offer.

We can also supply Financial and Cryptocurrency Analysis and we are determined to provide a

The development of the ECB project started in September 2017, and on June 1st, 2018, the platform will be officially launched in Beta Version, equipped with a Payment Gateway, a Cryptocurrency Exchange, Merchant Listing and a Market Cap Listing

highly reliable quality level in Tax Reporting and Tax Advisory on Crypto Trades and Benefits, for UK, French and Italian investors, from the very beginning of our activity.

Besides, we intend to train the

In 2019 we are going to implement a new service of Robot Advisors, which will be able to anticipate the emotional state of our customers, by using the data collected from Cobalt (our existing automatization ERP, in France since 2009).

The purpose of the soft launch is testing the early version of the marketplace, as well as the other features within the ECB System, and get ready for the next developmental stage, in accordance with the predefined strategy

new investors about the Cryptocurrency Markets.


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In 2019, referring to our stable position on Money Laundering, Cobalt expects to match on live the customers attitude with the regulator cartography of risks, so to prevent any case of Money Laundering.

Our goal is being able to prove to each traditional bank that all of our customers have achieved some benefits and profits, legally. It will be easier for them to transfer their money from our platform to their former bank.

The ECB platform has all the prerequisites as to succeed and to keep a leading position among the industry players, thanks to its thorough strategic planning, and to its creative and dedicated Founding Team.

The cornerstone of the platform development is the due attention to users / customers, and the fulfilment of their needs, with the highest priority.

The next step of the project development is the launch of 2 self- sustainable ECB Token, with Reward and Buyback Programs: ECB S TOKEN and ECB I TOKEN

Our ECB S token will allow to obtain: - Services from the Tax Assistance Department (about Crypto Trades and Benefits, made in case of litigation with a local Tax Department) - Services from our Financial Department: Cryptos and Token Researches and Analysis.


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The interest in the ECB platform and its “beta” services, so far has been overwhelming, and it has inspired us to expand the number of the available products, services and features, so to extend the Team, increase the Quality Control, introduce the Customer Service Department, and pursue a faster pace of development backed-up by a thorough strategic planning.

Up to now the ECB Project is not only a new project, it’s based on the exciting business from the Asset and Wealth Management Industry to the Crypto and Block Chain Industry, by a high level of knowledge of Financial Markets and their high level of volatility.

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WE ARE EXISTING BUSINESSES EUROPEAN CRYPTO BANK is a joint venture between: FORGUES GESTION SAS FRANCE started in 2009 in Finance, Asset and Wealth Management in France.

FORGUES GESTION UK LIMITED started in 2014 in Finance, Asset and Wealth Management in United Kingdom

WOOSPEAK started in 2007 in Language training and Translation in Europe and WOOSPEAK Italia in 2015.


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WE ARE EXISTING BUSINESSES FORGUES GESTION SAS FRANCE started in 2009 in Finance, Asset and Wealth Management in France. FORGUES GESTION UK LIMITED started in 2014 in Finance, Asset and Wealth Management in United Kingdom WOOSPEAK started in 2007 in Language training and translation in Europe 2 050 000

470 000

352 500

235 000

1 537 500

117 500

0

1 025 000

2008

2009

2010

2011

2012

2013

2014

2015

2016

2017

Turnover FORGUES GESTION France & UK

512 500

1 650 000

1 237 500

0

825 000

412 500

2008

2009

2010

2011

2012

2013

2014

2015

2016

2017 0

Consortium Forgues Gestion France & Uk and Woospeak

2008

2009

2010

2011

2012

2013

2014

2015

2016

2017

Turnover WOOSPEAK


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FUTURE OF OUR BUSINESSES BY ECB GLOBAL BUSINESSES FROM 2007-2017 2 050 000

1 537 500

1 025 000

512 500

0 2008

2009

2010

2011

2012

2013

2014

2015

2016

2017

Consortium Forgues Gestion France & Uk and Woospeak 2007-2017

FUTURE OF OUR BUSINESS 2018-2022 120 000 000

90 000 000

60 000 000

30 000 000

0 2008

2009

2010

2011

2012

2013

2014

2015

2016

2017

2018

2019

2020

2021

2022

Consortium Forgues Gestion France & Uk and Woospeak 2007-2022

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BUSINESS MODEL AND EXPECTED TURNOVER The ECB business model implies combining the top of the line products and services with an Incentive-Based Marketing Model.

Main Revenue Streams (Fees): - Trading fees from Trading and Exchange on the Platform - Wealth Management into Cryptocurrencies and other traditional assets - Fees for Tax Reporting and Crypto Research - Trading Leveraged Fees - Agent Licensing: licensing of tax reporting solutions and robot advisors and robot compliances - Licenses for Crypto Analysis and Financial Research.


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OUR EXPECTED TURNOVER


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TARGETED MARKETS Average Consumers: no limits, global offer of exchange and trading on Cryptocurrencies with or without leverages, A.I compliance automative solutions, AML automative solutions, Tax Reporting

Individuals who need Crypto-Tax Advisory (tax consultancy and juridical assistance in case of Tax Litigations) Individuals and companies requiring our Cryptocurrencies and Token Financial Analysis (reinforced by the new coming law: Mifid 2) Financial Industries and other exchange platforms with: - I.A. Robot Advisors - AML in Investment Advices, Asset and Wealth Management - Crypto Financial Analysis and Research for Investors The Cartography of Risks, applied by the European Financial Regulators, preventing from any risks of customer Money Laundering, will be implemented in our System.

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TARGETED MARKETS Crypto Research 17%

Robot Advisors 9%

Crypto Exchanges 57%

Tax Reportings 17%

DECEMBER2018

5 000

Crypto20Research%

Crypto Exchanges 33%

NEW CLIENTS COLLECTED

DECEMBER2019

11 000

Robot Advisors 20%

Tax Reporting 27%

NEW CLIENTS COLLECTED

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OUR COMPETITORS There are several competitors on the Trading and Exchange Platform Market. Nevertheless, our position on KYC/AML has enhanced, as well as our Premium Services : Tax Reporting, Juridical Assistance, Financial Analysis and Advices provide us with RESEARCH, ANALYSIS, TAX ASSISTANCE.

Some significant distinctions as to become a Global Market Player on the Cryptocurrency Market and Blockchain Industry Main Competitors are: Cryptocurrency Exchanges: Coinbase, Kraken, Shapeshift, Poloniex, Bitstamp, Bitsquare, Paymium, CoinMama, Gemini, C-Cex, Livecoin

ECB

INVESTMENT SECURITY (WALLET QUALITY, COMPLIANCE)


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FUNDING The funding of ECB is divided into three stages:

THE PAST: 1. Initial Development Funding: Up to now, ECB has been 100% self-funded because we are existing business

THE FUTURE: ECB seek crowd-funding in the form of an Initial Coin Offering (ICO) – Token Swap (ICO). 2. Primary Business Funding: FIRE TOKEN SWAP: Pre-CIO 3. Second Business Funding: TOKEN SWAP: ICO

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WHY OUR TOKEN WILL INCREASE IN A LONGTERM APPROACH? We do believe that we are at the beginning of the Cryptocurrency Revolution and this market has a huge potential of growth. Our competence in Asset Management, Investment Advices and Wealth Management in Finance can be transposed and customized to the Cryptocurrency Market. ECB Token will permit to approach the premium services: Tax and Juridical Assistance, Financial Analysis on Cryptos and Token Market. And to the upcoming services: Robot Advisors for Financial and Investment Advisory. During the next years individuals and corporates will know a massive growth of juridical assistance and tax litigations (more customers as well as new juridical rules).

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ICO Term Sheet


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EUROPEAN CRYPTO BANK (ECB) Paris - London – Milan Token sale volume:

5,000,000 to 200 000 000 Euros

Token Sales Volume during ICO: 7 936 507 to 345 414 463 Total emission Volume: 15 873 014 to 677 283 261 Sale Geography: Whole word except USA Price of the token upon sale: Distribution of tokens:

EUR 0,63

Crowndsale members 51% The company 24% The Team 23% Bounty Program 2%

iCO Website :

http://europeancryptobank.io

Web Wallet for buying tokens : http://europeancryptobank.io/inscription-ico Smart Contract: The address of the smart contract ETH 20 will be available before the beginning of the crowdsale on the project website

Payment Methods:

BTC, ETH, ETC, LTC, XRP, DASH, BCC and FIAT


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February 1st, 2018 – February 15, 2018

Date of Pre-ICO:

For interested persons, participation in the bounty program is possible before the beginning of the ICO.

February 16, 2018, participants will receive discounts:

ICO start:

The first week (February 16 to March 9, 2018) 15% discount, so 37 348 273 tokens at 0.5355 euro the unit. The second week (March 10 to March 31, 2018) 10% discount, so 35 273 369 tokens at 0.567 euro the unit. The third week (April 1st to April 22, 2018) 5% discount, so 33 416 876 tokens at 0.5985 euro the unit. The fourth week (April 23 to May 1st), no discount, so 190 476 190 tokens at 0.63 euro the unit.

May 1st, 2018 – 20:00 GMT+1 the actual number of tokens in turnover will be open and known at the end date of the crowdsale.

ICO Finish:

Restrictions on the amount of purchase during the ICO:

The minimum volume purchase is 20 tokens. The is no maximum amount.

Date of release of the tokens May 4, 2018 (The company will do its best to release them as soon as possible)

Restricted areas: Citizens, residents (tax or otherwise), or Green Cards holders, of the United States of America are ineligible to purchase any ECB tokens during ECB ICO. Participation in European Crypto Bank (ECB) for: UK residents or citizens will be restricted to self-certified sophisticated investors only. For Hong Kong citizens or residents, it will be restricted to professional investors only. The ECB Smart Contracts The smart contract and tokens will be released on Blockchain Ethereum according to the ERC20 standard. Numbers of ECB tokens bellow are equal 50% are ECB Token I for investors and 50% are ECB Token S for customers and users Token

S are Anonymous with no KYC, Token I are subject to a KYC. After the ICO, Token S are convertible to Token I


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For remember, Token I for investors will be subject of a buy back from ECB for 6% of its turnover each year they don’t give any rights on services. Owner of Token S, will have 5% of additional tokens each year, Token S give rights on our services on financial Research, Tax reporting, tax advices and tax litigation by smart contact and the blockchain. Token I and Token S are convertible to Token S or I at any time. Each Token I bought by ECB won’t be burned, the company will store them and can convert them to new token S if there is not enough Token S available on the market for new customers. Token distribution; Sales Volume

7 936 507 to 345 414 463, 50% in token I (3 968 253 to 177 207 231) and 50% in token S (3 968 254 to 177 207 232).

51% (7 936 507 to 345 414 463) tokens will be available for sale and allocated to ECB Community. Token volume allocated to the Company, its members and advisors and Bounty program: 49% will be distributed as follows: - 2% for bounty program participants (will be available after the end of the ICO) (311 239 to 13 545 665 tokens) - 23% for team (tokens will be frozen for a period of 6 months) (3 579 245 to 155 775 150 tokens) - 24% for the company (tokens will be used for the research and the development (3 734 864 to 162 547 983 tokens) The maximum number of tokens is limited to 677 283 261. All unsold tokens will be destroyed within 48 (forty-eight) hours after ICO finish. If at the end date of the ICO an amount will be less than the equivalent of €5,000.000 (five million euros), all collected funds will be returned to all participants (customers/users) within 48 (forty-eight) hours after the ICO finish.


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EUROPEAN CRYPTO BANK (ECB) Paris - London – Milan If at the end date of ICO, collected amount is less than the planned 200,000.000 €, then all unsold tokens will be destroyed. There will be a reserve of 24% of actually sold token owned by the company. ECB tokens will be distributed among the participants of crowdsale instantly at the time of admission of cryptocurrencies, paid for addresses in Web Wallet At the time of the ICO, all outgoing transactions will be blocked, transactions will be allowed within 72 (seventy-two) hours after the completion of the ICO. Link to the smart contract and address will be available before the beginning of the crowdsale. Distribution of tokens At the end of the ICO, we will know the definitive quantity of token sold (Tsold) It’s a number between 7 936 507 et 677 283 261. : We will distribute “Distribute” all Token purchased as: 3.734.827 ≤ TR&D ≤ 162.547.983 3.112.387 ≤ TFounders ≤ 135.456.652 466.858≤ TAdv&Consultant ≤ 20.318.498 311.236 ≤ TBounty ≤ 13.545.665 The final number of tokens in the end of the ICO will be:


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Reward Bonus Back Program:

TSold – number of Token S the day before the bonus distributed TSnew - number of Token S the day where the bonus is distributed Buy Back Program

TIold – number of Token I on the market the day before the buy back made by ECB on some token I. TInew– number of Token I on the market the day when ECB buys some token I. caECB –Is the annual turnover of ECB v – Is the global value of all Tokens I when ECB buys some Token I

ECB tokens can be purchased for BTC, ETH, ETC, LTC, XRP, DASH, BCC et FIAT.


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Security All network services have an independent/distributed connection to each other (personal area, API, databases, etc.). A cold wallet with a transaction confirmation from several participants (multisig) is used for token distribution. A smart contract has the function of suspending transactions in the event of unpredictable situations so we can protect the participants' funds and transfer them to a more secure smart contract. The security of the collected funds during the ICO will be provided by a multi-signature on the wallets. The withdrawal of funds from these wallets will be possible if there are 2 or more signatures of team members. It will be publicly available to view data balances of these wallets. Cold storage of a part of the collected funds to finance the project will be organized on the basis of hardware wallets (Ledger wallet). In any cases, please read our disclaimer before to take any decisions.


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SERVICES


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ECB EXCHANGE AND TRADING PLATFORM EUROPEAN BASED DIGITAL ASSETS EXCHANGE

MAXIMUM SECURITY AND ADVANCED TRADING FEATURES CLOUD TRADING

SECURE WALLET

MONITORING 24/7/365 20 CRYPTOCURRENCIES + FIAT

BEST TRADERS TRACKING REPORTING TOOLS

STOP LIMITS

HOTLINE 7/7


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WEALTH MANAGEMENT What is a Wealthy customer for us ? Each person with a minimum value in Cryptocurrencies and Token over GBP 10 000. Why are we different from other Wealth Managers? Because we believe a Crypto portfolio over GBP 10 000 is a portfolio with a huge potential, either for you, or for us.

Most of the times, Wealth Management is associated with investing client money into several kinds of assets, but it is also a matter of fiscal optimization and reporting its wealth to the fiscal authority: We are at your side in order to support and advise you, so to respect the current local regulations related to your crypto currencies portfolios.

After the development of Cobalt, an automated application for a personalized approach to Wealth Management, with our automatized system applied to our wealthy customers with Forgues Gestion Paris, European Crypto Bank allows to reach the largest numbers in personalized, guaranteed services on the Market, in the future of cryptocurrencies. Developing a genuine portfolio management strategy based on both private and professional assets, considering the future investment on crypto currencies and life plans of our customers.


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LEVERAGES UP TO X6 SHORT CUTS PROTECTION ALERT NOTIFICATIONS

MONITORING 24/7/365

ECB WILL PROVIDE UP TO X6 TIMES THE REAL AMOUNT INVESTED


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ECB FINANCIAL ANALYSIS AND REPORTING

FOR SOME FEW ECB S TOKENS BY MONTH


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COBALT SYSTEM - KYC & AML BECAUSE WE THINK COMPLIANCE EXISTS TO HELP US AND OUR CUSTOMERS. TOO BORING TO BE DONE BY HUMANS... WE HAVE CREATED COBALT 7 YEARS AGO. Problem: Crypto owners against the bank system are inconsistent, because they can't prove or recognize the cleanliness of their assets, from both sides. Our solution: with Cobalt, either you or we are protected. Cobalt stores and archives automatically all documents, such as audio files, emails, fax, letters from our customers: from the opening account to the closing relationship between us. Cobalt is the right tool to turn a complex relationship into a simple system of data and archives.

We want more and more compliance, SO to take care of all our customers. Can you imagine how long we spent to understand the business made between us and one customer? Less than 5 minutes. Cobalt can rate the client’s risk profile in real time, by using the cartography of regulators risks and will alert anytime, in case of any risk detection of money laundering.


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COBALT: A CORRECT ADVISOR CAN YOU IMAGINE ALL ADVISORS RESPONDING PROPERLY TO ALL CUSTOMERS AT THE SAME TIME, IN A WILD DUMPING MARKET, STILL FEELING RELAXED AND FULLY RESPECTING THE HUMAN EMOTIONS? COBALT CAN DO IT.

Cobalt can help us to clarify any doubt, from the historical bank of our customers.

Multiple ways to communicate and share among customers are increasing (texting, mobile, phone, emails...). Cobalt is our best tool to protect either you or us. Cobalt can double check on the Internet who our new customer is, before opening an account (Web Surveillance). E-Reputation Checking will protect our reputation, as well. Cobalt can learn on its own, by reading and listening to our customers... so to become the perfect advisor regarding your attitude, or behavior. Are you fine, angry, stressed, happy? Cobalt will adapt his behavior by analyzing your attitude.

HOW COULD WE NOT LOSE ANY CUSTOMERS, WHILE WE ARE LOOKING FOR NEW CUSTOMERS?

Cobalt can detect all customer signals, alert in case of dissatisfaction and help us to personalize the customer relationship.


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TAX REPORTING AND ADVICES ECB WILL CALCULATE FOR ALL CUSTOMERS INCOMES AND BENEFITS MADE DURING THEIR TAX YEAR. AVAILABLE FOR FRANCE, ITALY AND UK, IN THE FIRST STEP, AND EXTENDED TO ALL OTHER COUNTRIES IN EUROPE, IN A SECOND STEP. WE WILL BE THE FIRST EUROPEAN PLATFORM TO PROVIDE TAX REPORTING AND TAX

ECB Tax reporting: To declare your incomes and profits to domestic government tax

SERVICES


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TAX REPORTING AND VALUATION


KYC AND COMPLIANCE COBALT SYSTEM FOR COMPLIANCE AND AUTOMATED KYC FILLING KYC automatically filled from Internet and by the customer

STATUTORY DOCUMENTS ASKED BY EUROPEAN REGULATORS.


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WEB SURVEILLANCE AND AUTOMATIC FILLING CLIENT PROFILE


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AUTOMATIC ARCHIVING AND TIME STAMPING OF EMAILS AND CALLS RECORDED

We store and archive automatically all historical documents of all customers: audio files, emails, fax, letters from the opening account to the closing relationship.


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PLATFORM TECHNICAL ASPECTS


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info@europeancryptobank. io

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www. europeancryptobank. io

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COBALT COMPLIANCE I.A AND ANALYTICS

1803 Altitude Point

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.6790

71 Alie Stret

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.83 .63



TECHNICAL ASPECTS KYC/COMPLIANCE


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CONNECTING PEOPLE TO A LAWYERS NETWORK IN EUROPE Because we need more assistance and advices to protect our investments. Because we need more security and anonymity. European Crypto Bank has created a lawyer network directly on the blockchain. Tax cryptocurrencies lawyers network in Europe in charge of cryptocurrencies tax litigations will work in exchange of ECB S Tokens (Token work). Customers will be in contact, by a smart-contract, to a domestic tax lawyer specialist through our TOKEN S. European Crypto Bank, so to prepare all the documentation required by local lawyers.


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DECENTRALIZED AUTONOMOUS ORGANISATION: TOKEN S FOR LAWYERS

Smart-Contract on Ethereum Blockchain


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ARTIFICIAL INTELLIGENCE (A.I): HOW WE WANT TO CHANGE OUR WORLD Our goal is creating Robot Advisors who are able to understand human’s patterns and immediately reply with an efficient and proper attitude.

We will use our background in data analysis, predictive scenarios in Wealth Management, as well as our experiences in Business Process Outsourcing, so to reach our target.

The ECB R&D laboratory on I.A. will be located in France. We plan to start the Robot advisors after 2 years of researches and technological development in France (Paris).

Cobalt will be our main tool as to create the robot perfect financial advisor.

Can you imagine your robot advisor who knows you, learns with you, is available 24/7/365 for you, without hurting your personality?


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ARTIFICIAL INTELLIGENCE (A.I): HOW WE WANT TO CHANGE OUR WORLD Voice feelings detection, email interactions between Humans and robots

In most

of current studies we use the term "emotional computing". Actually, it

would be more appropriated to refer on studies about emotional states which include feelings, attitudes, humors, etc. and we are still working on the differentiation hierarchy to organize them.

The LIMSI laboratory has developed a technology allowing to recognize the feelings during the progress of calls (appeals). We can extract information on the emotional state of the agent and the customer (negative states: anger, stress, anxiety, sadness and positive states: satisfaction, relief, amusement). This technology is, at present time, a search tool which can be adapted to new data within the project framework. A real-time version is also being investigated, more closely.

A first bolt to be raised is the implementation of a linguistic and paralinguistic hybrid model for feeling detection on real data (given by call center), in order to work on structures and patterns. Number of feelings, feelings complexity (for example: a mixture of dissatisfaction and amusement?


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ARTIFICIAL INTELLIGENCE (A.I): HOW WE WANT TO CHANGE OUR WORLD A further complex bolt to be raised is the number of emotional states that a system can detect (presently the systems can rarely implement a prediction of more than 2 or 4 emotional states).

Finally, another bolt concerns the consideration of the context and the linguistic information at several levels (Phoneme, phonetic, lexicon syntax, dialogue). The various components of an emotion: • Valence (versus positive negative) • The type of emotion (e.g. enjoyment, stress, anger, etc.) • The deliberate object (e.g. I am afraid of the aggressor) • The reason (external and bibliographic context) • The qualitative aspect (intensity, duration, etc.). • The functional role (emotional answer and impulses to act) Lot of theories can be of use as base to these researches (model of cognitive evaluation, models push-pull (K. Scherer)) but the proposed systems are still very simple given the scale of the task.


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ARTIFICIAL INTELLIGENCE (IA): HOW WE WANT TO CHANGE OUR WORLD

In fact, through Cobalt we will propose a mixed approach based on the textual analysis of e-mail customers, and, on the other hand, the consideration of audio parameters of word signals: indicators such as the feelings, the subjects approached to estimate the quality of the interaction financial customer/councilor. The pursued purpose is developing help and predictive tools, so to optimize and follow the customer relationship for a better financial management of services.

IT DEFINITELY IS A MATTER OF VALIDATING THE TECHNOLOGIES OF "TEXT MINING" ON INTERACTIVE DATA TRANSCRIBED AUTOMATICALLY. THE AIM OF THE PROJECT COBALT IS FOLLOWING THE CUSTOMER RELATIONSHIP IN ITS DIVERSITY AND ITS TEMPORAL EVOLUTIONS AND IDENTIFY IN REAL TIME: " WHAT IS VERY DIFFERENT FROM THE USUAL?"


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ICO - USE OF PROCEEDS How we will use funds for ECB development? 20%: of funding will be dedicated to the platform development: trading exchange, API connectors, high level of security, decentralized wallet, cold storage. 25%: for the PRM: Marketing, Sales, Campaigns, SEO, Events, mailing, Traditional medias. 15%: for the cryptos currencies leverage (fund deposit). 10%: A.I. AML, compliance and KYC. 10%: A.I. Financial Advisor & A.I Wealth Management. 10%: Back and Middle Office, Support, Offices. 5%:

Multiplatform Integration.

5%:

Legal protection in UK, France and Italy, banking license.


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USE OF PROCEEDS Legal 5% Mutliplatform Marketing Sales

5%

25%

Robot Advisors 10%

How

Security10%

10 % Operations Admin

Platform Develop

TOKEN DISTRIBUTION

% 20

Leverage 15%

Bounty Program 2%

Adv & Consultant 3% Founders 20%

Token Community 51%

How R&D 24%


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WHEN? A project as huge as ECB would not succeed without a thorough strategic planning and an expansive vision.

ROADMAP

Therefore, we put so much emphasis in writing every milestone down, and having reached it, proceed to the next one that has already been preplanned. Having a roadmap is very important for ECB, as it keeps us focused on the present moment, and allows us to zoom into the future, once the targeted milestones are reached.

The original idea was born in 2009 with Cobalt, that was invented by Olivier Forgues, by thinking and searching how he could innovate the banking business. At the beginning he focused on Wealth Management Business under the huge pressure of the financial regulation in France.

Today we wish to bring all these services to the cryptocurrency investors and customers.


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WHEN ?


ROADMAP

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[email protected] www.europeancryptobank.io


WHEN?

ROADMAP

PHASE 1

PHASE 2

- January 2016: ECB Idea From 2009 with the development of the Cobalt Automated Solution for Wealth Management and up to recent time ago, using cryptocurrencies has been a lengthy and cumbersome process from the usability perspective.

- May 2017: Idea Validation and Team recruitment over the European Union from Germany, France, United Kingdom, Poland and Italy. - July to September 2017: Whitepaper v1.0 The first detailed ECB outline on paper.

A thought about a universal platform combining all the necessary features in one place: e.g. a wallet supporting multiple cryptocurrencies, an exchange and a marketplace, started crossing the minds of digital currency users. Automatizing compliance and automatizing documentation for our customers, by using our massive experiment in our Wealth Management main business in France, with domestic and expatriated customers.

- October 2017: Team Consolidation and Dev. Start.

PHASE 3 - February 2018: ECB Token Swap (ICO) The starting of the Token Swap (ICO) a campaign for initial token distribution and offering.


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WHEN?

ROADMAP

PHASE 4

PHASE 6

End of February 2018: Platform development starts in London and involves the beginning of researches and development about A.I. from the Paris Office.

March 2019: Crypto wealth management automated with our robots.

March 2018: Offer of Research about Cryptocurrencies on our website and first reports on tax guidelines in Europe before the annual tax submission for UK, French and Italian tax payers.

PHASE 7

May 4, 2018: Tokens delivery

April 2020: Final agreement as a bank for ECB London.

March/April 2019: Tax reporting and tax advisory (France, UK, Germany, Italy and Spain).

June 2019: Starting Process Banking Agreement in London with respect to the MIF2 regulation about individuals.

PHASE 5

PHASE 8

July 2018: Seo and Google adwords campaign. ECB exchange and trading platform opening with leveraged services and "e-reputation" automated checking of "e-reputation" on Internet and conformity.

March 2022: Passporting for agreement in Europe to Italy and France.


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GOALS 100 mio and over collected Pan European Wealth Management Mortages and Leverages; Universal Bank Credits Cards Exchange and Trading Platform,Tax Reporting, Tax Advisory, Tax Litigations A.I Compliance, AI Advisors, FIAT Depositary solutions.

25 mio collected 50 mio collected Pan European Wealth Management Leverages Exchange and Trading Platform Tax Reporting, Tax Advisory, Tax Litigations A.I Compliance, A.I Advisors, FIAT

Wealth Management Exchange and Trading Platform Tax, Leverages, Reporting, Tax Advisory, Tax Litigations A.I Compliance, A.I Advisors, FIAT

5 -10 mio collected Wealth Management Leverages Exchange and Trading Platform Tax Reporting, Tax Advisory, Tax Litigations

1803 Altitude Point 71 Alie Stret E1 8NG London United-Kingdom

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KEY DATES ECB S & ECB I PRESALE STARTS FOR PUBLIC ICO SALE:

February 1st, 2018 - 20:00 GMT +1

TOKEN SALES START DATE & TIME:

February 16, 2018 - 20:00 GMT +1

TOKEN SALES END DATE & TIME:

May 1st, 2018 - 20:00 GMT+1

TOKEN SALE DURATION IN DAYS:

75 days

MAXIMUM FUNDING CAP:

EUR 200 mio

MINIMUM FUNDING CAP:

EUR 5 mio

TOKEN PRICE EARLY BIRD BONUS 54 %: WALLET FOR ICO:

1 ECB I or S = EUR 0.63 Ethereum Multisig 3/4 Wallet

TOKENS DISTRIBUTION:

MAY 4, 2018

SALE GEOGRAPHY:

Whole World except USA

WE ACCEPT:

BTC, ETH, ETC, LTC, XRP, DASH, BCC and FIAT


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Smart contract and tokens will be released on Blockchain Ethereum EMISSION OF A MINIMUM OF 7 936 507 Tokens 51% (minimum of 7 936 507 tokens I and S) will be available for sale, and 49% (7 625 348 token I and S) will be reserved for ECB, its team and bounty programs. Maximum number of tokens is 677 283 261 tokens I and S All unsold tokens will be destroyed whithin 48 hours after ICO ending. 23% of Tokens for the team will be frozen for a period of 6 months. 2% of token for participants of bounty programs will be available after the end of the ICO. 24% of token for the R&D will be used along the R&D program, that means they will be frozen after the end of the ICO and then progressively unfrozen along the full program. Ar the end of the ICO, if the collected amount is less than the planned amount of one equivalent of EUR 5 000 000 (five million Euros), all collected digital currencies will be returned to participants (customers and users) within 72 hours after the ICO ending.


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EUROPEAN CRYPTO BANK (ECB)

Paris - London – Milan

WHY? TOKEN SALES PLAN


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TOKEN SALES PLAN

ECB Token S

ECB TOKEN I

ANONYMOUS TOKENFORALL SERVICES+ 5% R E W A R D PROGRAM

TOKENBUY BACKEACHYEAR W I T H 6% OFECBTURNOVER ANDCONVERTIBLE TOECBS

CONVERTIBLETO ECBIORUSABLE

Pay our services by our Token S Available Services : - Tax reporting, - Tax assistance and Tax litigation, - Financial Research, - Wealth Management service.

6% of the annual ECB turnover used to buy back ECB Token I each year Convertible into ECB S to enjoy ECB services.


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THE TEAM THE FOUNDERS


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OLIVIER FORGUES CEO (UNITED KINGDOM)

Olivier has started to invest on financial market at 16, with a strong experience in equities, bonds and derivatives. He survived to financial crisis in October 1987, the Gulf crisis in 1990, the Asian crisis in 1998, the internet bubble in 2001, the sub primes crisis in 2007 and the euro zone crisis in 2011. Also, he founded the AFIDEM, a French association specialized in research on new financial markets places such as, Nasdaq, Easdaq and The Nouveau Marché in Europe from 1995 to 1996.Olivier found Eurostock International Ltd in UK, a platform dedicated to all Ipos in Europe from 1996 to 2001. He was an Associate Director for UBS France (UBS Wealth Management in Paris and for UBS Wealth Management in London for 8 years), Recognized by the French Senate as a principal whistle-blower concerning the UBS scandal of tax evasion in France between 2008 to 2011. Olivier was interviewed by the French Senate. Olivier is very aware and sensitive about AML and clean business practices for the benefit of his clients (while considering the risk of the reputation of his companies). When he left UBS in 2008, he created La Nouvelle Gestion Sarl and La Nouvelle Finance SAS, a full regulated Asset Management company in France, which became Forgues Gestion SAS; Olivier speaks French, English and Italian.


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REFERENCES 12 YEARS AGO: http://www.xavierpaper.com/ documents/dos/d.Opfi.Actionnariat.salarie.24.10.05.pdf

7 YEARS AGO: http://www.dailymotion.com/video/xfm23w http://www.dailymotion.com/video/xcsm1e

6 YEARS AGO: http://onlymee-interactive.com/fr/partenaires.php

UBS AND OLIVIER FORGUES STORY: https://www.letemps.ch/economie/2016/02/17/france-secrets-systeme-ubs https://www.finews.com/news/english-news/26246-ubs-france-whistleblower-nicolas-forissier http://www.senat.fr/rap/r11-673-1/r11-673-174.html http://archyworldys.com/how-ubs-switzerland-orchestrated-a-vast-system-of-tax-evasion-in-france/ https://www.youtube.com/watch?v=r2hwXybd9Tw La Grande Evasion Fiscale l'honneur perdu d'une banque Brexit:

FORGUES GESTION https://forex.tradingsat.com/actualites/brokers-forex/vendredi-24-juin-brexit-bremain-economie-us-day-tradinglehman-brothersle-programme-complet-ici-679283.html https://www.youtube.com/watch?v=dvwHnyCCO4g https://www.youtube.com/watch?v=kTt4JQlyXRw

FINANCIAL ANALYSIS FROM FORGUES GESTION: http://www.forguesgestion.com/category/actualite/ https://www.facebook.com/forguesgestion/


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MIKAEL MISARD HEAD OF DEVELOPMENT (FRANCE)

Mikael starts by a background in finance specialized in chartered accountancy and IFRS studies. He worked as a back-office advisor in Société Générale bank in La Défense. In 2007, He founded Woospeak company, an e-learning company providing 400 teachers in more than 30 countries. Woospeak works with more than 500 SME and Large European companies and organizations such as Natixis bank, BMW, Bose, Adobe, Crédit Agricole, Barclays, Canon, Saint Gobain. Siemens... Woospeak obtains ISO and OPQF certifications in France and Italy. Mikael develops and manages decentralized human organization connected by cloud and SAAS applications. He participates in the conception of eLearning tools, voice analysis and recognition, pedagogical data analytics, teaching and automatized scenarios with multilingual and intercultural experts. He is also the founder of E.E.E Ltd and Mindsource Ltd in business processing outsourcing (BPO) area.


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CYPRIAN KOWALCZYK CHIEF TECHNICAL OFFICER BLOCKCHAIN SPECIALIST (POLAND)

Cyprian is the Founder and CEO of iRonin.IT Web, DevOps & Mobile development agency providing high quality, fast, maintainable, scalable web, mobile and devops solutions in agile way for US & European startups and enterprises. He helped to build US and European fin-tech startups' web platforms. Cyprian is specialized in full stack development on Ruby, Elixir and Node.js, API design & on native and hybrid OS, Big data. and using react, ember.js, vue.js, angular and GO. He worked in IT for the past 18 years and has background in Management and Econometrics. Cyprian has been following cryptos since 2010 and he is actively investing in BTC and other coins.


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SANDRINE FAVRE HEAD OF OPERATIONS, BACK ET MIDDLE OFFICE (FRANCE) Since September 2009, Sandrine is the Middle-Office Manager at La Nouvelle Finance SAS became Forgues Gestion SAS. She completes administrative and organizational tasks and processes related to clients (transmission of orders to customers, life insurance, maintenance of client files, reception and processing of telephone calls, relationship with all service providers ...). Also, she ensures the reliability and efficiency of the services provided in accordance with the KYC procedures. From 2008 to 2009, she was a client Advisor at UBS FRANCE and was in charge of a € 20 million portfolio in asset management. She created and maintained long-term relationships with internal customers based on mutual understanding, trust and respect. From 2006 to 2008, she was a Wealth Management Middle-Officer at UBS FRANCE. She was the support of a client advisor’s team as part of the customers follow-up. She started her career as a back-officer at BNP PARIBAS, and then, was an International Client Advisor at BNP PARIBAS, in charge of a portfolio of 400 international clients.


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MATTHEW CLARK HEAD OF WEB DESIGN AND DIGITAL MARKETING (UNITED KINGDOM)

Matthew is a senior web, graphic designer and Lead/SEO developer, specialized in building websites from scratch - Versed in HTML, CSS, Query and JavaScript. He is a good digital marketer and SEO background for consultancy work and build all websites by the best UI/UX principles - only use the most modern approaches such as developing websites ‘mobile first’ to maximize the chances of ranking higher in search engines, increasing the potential ROI. He is also a visual problem’s. Matthew obtains a master’s in graphic design and multimedia.


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THE ADVISORS Jean-Louis was the founder and responsible of all the process to build and start the UBS bank in France, including in asking all agreements the French regulator for the bank in France. Before he worked for JP Morgan. He will be our advisor to reach banking European passporting. JEAN-LOUIS DE MONTESQUIOU FOUNDER AND EX-CEO OF UBS FRANCE SA (FRANCE)

Laurence is a Computer Science Professor at Paris La Sorbonne University and CNRS researcher (NATIONAL CENTRE FOR SCIENTIFIC RESEARCH) in the laboratory of computing for the mechanics and the engineering sciences.

LAURENCE DEVILLERS RESEARCHER IN CNRS, PROFESSOR AT LA SORBONNE (FRANCE)

Member of the committee of reflection on the ethics and research into sciences and technologies of digital technology. Member of the IEEE, the world initiative on ethics in the conception of autonomous systems.


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Web-addict, Benoît works in Digital industry for over 20 years. He developed expertises in SEO-SEM, web analytics and User eXperience. Founder, in 1995, of one of the first Parisian Web Agency (Keys accounts: Disney interactive, Schlumberger, SANOFI) Co-founder and CTO of a Digital Company working in printing online picture PHOTOREFLEX (cofinanced by the Caisse de Dépôts et Consignation). BENOÎT PINGUET SEO-SEM WEB UX & UI ANALYST (FRANCE)

He was the managing director of Media et Compagnie and the production Manager for TrackBusters and a SageMetrics US consultant for LOREAL GROUP. He was in consulting mission on the websites eMetrics of all the luxury brands of the group.

Silva is a mathematician and Data Science Expert. She has been specialized in algorithms development for image processing and statistical problems for over 15 years. Head of research and development department in Berlin, she manages projects with virtually all industries and markets and gained extensive expertise in management of sustainable development processes.

SILVA FISCHER MATHEMATICIAN (GERMANY)

For the last 5 years she became an algorithm implementation expert for industrial companies such as Volkswagen Group.


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Isabella has a Ph.D. in “General Theory of Fiscal Process Management” and is a Professor of Tax Law at the Academy of “Guardia di Finanza” (Italian Financial Police). Fiscal Lawyer and Member of the Bar of Lawyers in Rome (Italy) and Expert in Contracting, Legal Consultancy and Assistance versus the Financial Tax Administration Authority and the Courts of Fiscal Justice.

ISABELLA CUGUSI PROFESSOR IN TAX LAW, TAX LAWYER (ITALY)

Besides, carries out some advanced fiscal classes at a Master Course in “International Fiscal Planning”, held at “La Sapienza” University of Rome, as well as further courses at other major Universities. Author of a Research Monography in Tax Law and of several articles on Fiscal Disciplines published on some of the most prestigious scientific reviews. She has participated at some national and international scientific seminars and congresses as an official relator.

Christian possesses a double degree in psychology and computing. He is the founder of SEESIDES in 2008, a company specialized in training and IT development.

CHRISTIAN ANGELLA IT DEVELOPMENT (FRANCE)

15 years of experiences in development of software and computing solutions. Dev. application in Php/Mysql, ASP, VB. Christian realized any personalized solutions by using HTML/HTML5/CSS, PHP/MySql and CMS: Wordpress, Joomla, Drupal, Prestashop, Magento, Webdev, SQLMaestro, Appgini, Filemaker, Access, MCD, Merise


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Stéphane is an organizational psychologist and Psychotherapist. He accompanies the team to make sure that every member will accomplish their mission without putting them under the risk their family life and personal (Divorces for example). He can solve any internal conflicts at work or any conflicts outside the ECB business. STÉPHANE VOINSON PSYCHOLOGIST AND PSYCHOTHERAPIST (FRANCE)

This practice used in Silicon Valley in the 2000s helped a lot of entrepreneurs under the presure of their business angels is taken back by ECB to protect the investors against any failure of a member of the team. Because we are human first, ECB is taking care of all members of the team

Marianne is a French tax lawyer in Franklin Law Firm, in Paris. Marianne has a strong practice in cryptocurrencies, crypto transactions and blockchain related issues. She advises investors in cryptocurrencies and ICOs, trading platforms in cryptocurrencies and ICO launchers in relation to their tax issues, in particular: structuring of crypto-investments, income tax issues in relation to crypto-gains, assistance in relation to tax audits, etc. MARIANNE TORDEUX TAX LAWYER (FRANCE)

Marianne is a member of the Association Française de Gestion des Cryptomonnaies and the ICO Charter


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Mohamed is a French cartoonist based in London. He works mainly for the advertising industry as a storyboard artist and illustrator (Asda, Nike, Ford, Jaguar). He's also a contributor to the "Den neie Feierkrop" newspaper, He produces weekly drawings for their satirical comic strip "A la cour". MOHAMED SKIFATI CARTOONIST (UNITED KINGDOM)

Dunny was Head of Lipper Fund Research for Western Europe, Middle-East and Africa where he launched Lipper business in France, Middle-East and South Africa. He then joined his wife to launch a Web-based Travel Company, specialized in tailor-made high-end segment travel solutions while disintermediating and digitalizing the role of traditional travel agencies. DUNNY MOONESAWMY ANALYSIS AND FINANCIAL RESEARCH (FRANCE)

In 2016, Dunny founded two companies: Kwenly Digital and ICO Mauritius to help Founders run their ICOs and manage their wealth in a fiscally optimised environment.


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Fahad is currently studying Computer Science and Mathematics to become a specialist in Artificial Intelligence – specifically deep machine learning.

He is passionate by the robotics world evolution

FAHAD ALWI STUDENT IN COMPUTER SCIENCE AND MATHEMATICS (UNITED KINGDOM)

There has been an ever-increasing trend corporation asking his help to integrate A.I. aspects into everyday practices to undertake the repetitive and mundane tasks.

Aldo is Consultant and Professor of International Business Management and Translator. He holds a master’s Degree in International Management and fluently speaks 4 languages: Italian, French, English and German.

ALDO NATRELLA CONSULTANT AND LINGUIST (ITALY)

Pedagogue and linguistics for the development of its consulting activities in companies and prestigious. Universities and Management Institutes in Italy, such as LUISS (International University of Social Studies), UET (Università Europea del Turismo), Uplevel and the CTS Research Center.


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Louis-Alexandre is currently studying at CESEM (Centre d'études supérieures européennes de Management). Last year, he was Head of Communication at HAPPENING, a startup press agency whose purpose is to streamline the flow of information to collectors and professionals of the art market. He spent 9 months in Silicon Valley (USA) to promote this media across the Atlantic. One of his skills is FXCM Trading Trainer, mainly on Forex and commodities.

LOUIS-ALEXANDRE ROUX STUDENT IN CESEM (FRANCE)

Mariam is passionate about social networks for 4 years and works for OLMF limited in United Kingdom as a social networks specialist. She knows Facebook, Twitter, Instagram, Telegram, Linkdin, and advise ECB with its communication on social networks.

MARIAM COULIBALY SOCIAL NETWORK SPECIALIST (FRANCE)


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MARKETING STRATEGY Medias 20%

100 GBP OFFERED 30%

Roadshow 5% Press/ Articles 5%

SEO & AdWords 10% Affiliate progr 10%

Debit card 20%

Special Offer for New Customers: 100 GBP OFFERED, DEBIT CARD Medias: Underground, Newspapers, TV SEO & AdWords’: European Communication on Google and social networks Press & Articles: Financial and eco-crypto reviews Roadshow: For institutional Affiliate Programs


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PARTNERS Waves is a powerful blockchain platform that allows anyone to launch their own cryptographically-secured tokens — allowing businesses and other organizations to build versatile applications with all the advantages of Peer-to-Peer Technology.

Coinbase is a Digital Asset Broker headquartered in San Francisco, California. They manage brokerage exchanges of Bitcoin, Ethereum, Litecoin and other digital assets with fiat currencies in 32 countries and bitcoin transactions and storage in 190 countries worldwide.

VoiceIt: the cloud based voice biometrics service company, that empowers you to rapidly build and deploy security solutions.

Ironin provides e-commerce solutions and DevOps services. Ironin is committed in fullstack development of web applications, using Ruby on Rails. Elixir with Phoenix and Node.js, as well as development of Single Page Applications with technologies such as React, Ember.js, Vue.js, Angular. In mobile services we offer development of both native applications for iOS and Android and hybrid ones, by using Appcelerator Titanium.

Fraud Prevention & Risk Management platform, is designed to recognize ecommerce entities (users, merchants) and build payment reputations.


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APPENDICE


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APPENDICE


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DISCLAIMER Please read the following notice carefully. This notice applies to all people who read this document. Please note this notice may be altered or updated. The Whitepaper has been prepared solely in respect of the European Crypto Bank (ECB)'s crowdsale of ECB tokens (“ICO”). No shares or other securities of the Company are being of fered for subscription or sale, in any jurisdiction pursuant to the Whitepaper. The Whitepaper is being made publicly available for information purposes only and does not require any action to be taken by the general public or shareholders of ECB. The Whitepaper does not constitute an offer or invitation to anyone to subscribe for or purchase shares, rights or any other securities in ECB.

For the time being, ECB is not an investment advisor, a bank, a broker or a dealer and therefore does not participate in the offer, sale or distribution of securities, nor it provides any investment advice. All information and materials published, distributed or otherwise made available on this website are provided for informational purposes, for your non commercial and personal use, only. No information or materials published on this website constitutes a solicitation, an offer, or a recommendation to buy or sell any investment tools, to affect any transactions, or conclude any legal act of any kind whatsoever. The content of this document should not be considered as a financial advice in any circumstance. You are responsible for your personal finances.

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info@europeancryptobank. io www. europeancryptobank. io 87


DISCLAIMER Although we attempt to bring accurate information, under no circumstances the ECB owners, contributors, authors and partners can warrant the completeness or accuracy of the content found on our site, or its usefulness for any particular purpose. Therefore, the ECB owners, contributors, authors and partners make absolutely no promises or warranties, nor accept responsibility for any liability, injury or damage that you may cause or incur, when using the information provided on the website. We also are unable to and don’t make any promises that our content or service will be delivered to you uninterruptedly, timely, secure, or error-free. All information and content provided on ECB is to be used on an “as it is” basis. We strongly encourage you to research all information provided on our website thoroughly, along with other advice out on the web and from other sources and weigh it to your particular circumstances to be applied accordingly. None of the information provided on ECB is meant to be used in replacement of professional advice and users are encouraged to seek such advice before making any decision. It is solely up to the user to determine if some advice is safe and suitable to their particular situation.

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DISCLAIMER Restricted areas: Citizens, residents (tax or otherwise), or Green Card holders, of the United States of America are ineligible to purchase any ECB tokens during ECB ICO. Participation in European Crypto Bank (ECB) for: • UK citizens or residents will be restricted to self-certified sophisticated investors only. • for Hong Kong citizens or residents, it will be restricted to professional investors only. WP or any part thereof, as well as any copies, must not be taken or transmitted to any country, where distribution or dissemination of such information is prohibited or restricted. THE TOKENS REFERRED TO THIS WHITEPAPER HAVE NOT BEEN REGISTERED, APPROVED, OR DISAPPROVED BY ANY SECURITY AND EXCHANGE COMMISSION ANY STATES ECURITY COMMISSION OR ANY OTHER REGULATORY AUTHORITY NOR ANY OF THE FOREGOING AUTHORITIES EXAMINED OR APPROVED THE CHARACTERISTICS OR THE ECONOMIC REALITIES OF THESE TOKEN SALE OR THE ACCURACY OR THE ADEQUACY OF THE INFORMATION CONTAINED IN THIS WHITE PAPER, UNDER THE SECURITY LAWS OF ANY STATE OR ANY OTHER JURISDICTION. PURCHASERS OF THE TOKENS REFERRED TO IN THIS WHITEPAPER SHOULD BE AWARE THAT THEY BEAR ANY RISK INVOLVED IN THE PURCHASE OF TOKENS, IF ANY, FOR AN INDEFINITE PERIOD OF TIME. FORWARD LOOKING STATEMENTS: Some of the statements in the Whitepaper include forwardlooking statements which reflect the company and/or the management current views, with respect to the Product Development, Execution Roadmap, Financial Performance, Business Strategy and future plans, both with respect to the Company and the fields and industries in which the Company operates. Statements that include the words ''expects'', ''intends'', ''plans'', ''believes'',"projects'', ''anticipates'', ''will'', ''targets'', ''aims'', ''may'', ''would'', ''could'', ''continue'' and similar statements are of a future or forward-looking nature. All forward-looking statements address matters that involve risks and uncertainties.

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DISCLAIMER Accordingly, there are or there will be some important factors that could cause the Group actual results to differ materially from those indicated in these statements. These factors include,but are not limited to those that are described in the part of the Whitepaper entitled ''Risk Factors'', which should be read in conjunction with the other cautionary statements that are stated in the Whitepaper. Any forward-looking statement in the Whitepaper reflects the Group's current views with respect to future events and are subject to these and further risks, uncertainties and assumptions related to the Group's operations, results of operations and strategy of growth.

These forward-looking statements only refer from the date of the Whitepaper. Subject to industry acceptable disclosure and transparency rules and common practices, the ECB Company undertakes no obligation publicly to update or review any forward-looking statement, whether as a result of some new information, future developments, or otherwise. All subsequent written and oral forward-looking statements attributable to the ECB Company or individuals acting on behalf of the Company are expressly qualified in their entirety by this paragraph.

Prospective buyers of the ECB tokens should specifically consider the factors identified in the Whitepaper which could cause actual results to differ, before making a purchase decision. No statement in the Whitepaper is intended as a profit forecast and no statement in the Whitepaper should be interpreted as to mean that the earnings of the ECB Company for the current or the future years would be as it may be implied in this Whitepaper. By purchasing the Cloud token I hereby acknowledge that I have read and understood the notices and disclaimers mentioned above.

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RISK FACTORS The following are the risk factors, in relation to the European Crypto Bank (“ECB”) business in general and the Token Sale Event in particular: there is no assurance that at any time in the future ECB Token (i) may be exchanged for goods or services, (ii) may have any known uses outside the ECB platform, and (iii) may be traded on any known exchange. Risk of Failure to Reach Target: Sale Amounts or Lack of Sufficient Funds ECB may not reach the target sale amount and may not have the sufficient funds to execute on its Business Plan.

Risk of Market Trends: The ECB Token may be significantly influenced by Digital Currency Market trends and the Cloud Value may be severely depreciated, due to non-Cloud related events in the Digital Currency Markets. Risk of Regulation/ Legislation: ECB Services Market and/or the Token Market may be or might be coming under Global or Local Regulation / Legislation, that may render the ECB impossible and/or may limit the use of Tokens as a method of payment, and/or limit, prevent and/or sanction the sale and re-sale of Tokens. COI and relevant technologies have been subject of scrutiny by various regulatory bodies, all over the world. The functioning of ECB and Token could be impacted by one or more regulatory inquiries or actions, including, but not limited to restrictions on the use or possession of digital tokens like Token, which could impede or limit the development of ECB. Risk of software not meeting expectations: The Robot Advisory and any IA evolution are presently under development and may go under some significant changes, before release. Any expectation regarding the form and functionality of Token may not be met upon release, for all kinds of reasons, including a change in the design and the implementation plans and execution.

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RISK FACTORS Robot Advisors, Artificial Intelligence and ECB Platform are a complex software with algorithms and its launch may be significantly delayed due to possible unforeseen development barriers.

Risk of Alternate Technology: There is no guarantee that no other solutions or technology may occur , whether being developed or to be developed in the future, that will severely depreciate the value of ECB, as well as of its products and services. Competition may introduce same or better solutions and cause ECB to lose its market share and eventually fail to deliver on its business goals.

Risk of High Volatility: Digital Currencies are extremely volatile and CloudToken may suffer from such volatility. Risk of Taxation: The ownership of Cloud Tokens mayfall under existing and/or new and unpredicted Taxation Laws that will erode Cloud benefits. Risk of Low to No Liquidity. ECB may not succeed in creating the necessary momentum and acceptance, which may result in low liquidity and depletion of trades. Risk of Theft and Hacking: Token sales and ICOs have been known to come under malicious attacks from hackers and criminal parties resulting in theft of Tokens and causing massive losses to Token, that may be inflicted on Buyers and Company. Hackers or other groups or organizations may attempt to interfere with the ECB activity or with the availability of ECB Token in several ways, including without limitation, denial of service attacks, Sybil attacks, spoofing, smurfing, malware attacks, or consensus-based attacks. Risk of Security Weaknesses in the ECB network, Core Infrastructure Software. There is a risk that the ECB Team, or other third parties may intentionally or unintentionally introduce weaknesses or bugs into the core infrastructural elements of the ECB software network, interfering with its usage, or causing the loss of ECB Tokens.

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RISK FACTORS Risk of Weaknesses or Exploitable Breakthroughs: In the Field of Cryptography Advances in cryptography, or Technical Advances, such as the Development Quantum Computers, may present risks to Cryptocurrencies and the ECB Platform, which could result in the theft or loss of Tokens. Token Sales and ICOs have been known to come under malicious attacks from hackers and criminal parties resulting in theft of Tokens and massive losses may be inflicted on buyers and Company. High Risk Purchase: There is no guarantee that the ECB Token you purchase will increase in value. It may - and probably will at some point - decrease in value. The activity of ECB is highly speculative as ECB is a private and growing company with no regulatory approvals and there is no assurance such approvals, if required, will be obtained or that any income shall be generated or that any product shall be successfully developed. Risk of Insufficient Interest in the ECB activity: It, maybe possible that the ECB software will not be used by a large number of businesses individuals and other organizations and that there will be a limited public interest in its creation and development. Such lack of interest could impact the development of ECB Software and Services and, therefore, the potential uses or the value of Token. Risk of Uninsured Losses: Unlike bank accounts or accounts at some other financial institutions, funds held using the ECB network are generally uninsured. In the event of loss or loss of value, there is no public insurer or private insurer that could offer a recourse to the purchaser. Risk of Dissolution of ECB: It is possible that, due to a number of reasons including, without limitation, the failure of business relationships, or competing intellectual property claims, ECB may no longer be a viable business and may dissolve or fail in its launch. Risk of Malfunction: In AI and Robot Advisory and the ECB Platform. It may be possible that AI and Robot Advisory and the ECB Platform malfunctions in an unfavorable way, including but not limited to one that results in the loss of data and information.

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