• With roughly two million current users in Mexico, Innovative Payment Solutions is now shifting focus to the United States, with the implementation of 50 Southern California kiosks planned for Q4 2020
• The company is expanding beyond the kiosks through plans for its own stable coin, IPSI Coin, which will be backed by the U.S. dollar
• Businesses implementing the IPSI Kiosk have the potential to drive additional net revenue and attract new clientele
• The 2018 global digital payment market was estimated at $43.5 billion and is forecast to expand at a CAGR of 17.6% through 2025
• In 2019, IPSI Kiosks processed approximately 4.5 million transactions in Mexico totaling over $17 million

Innovative Payment Solutions (OTCQB: IPSI) is a digital payment technology service company offering cutting-edge solutions for consumers and service providers. It is focused on building a 21st century payment platform based on its proprietary fintech payment architecture. Incorporated in 2015 and headquartered in Northridge, California, the company has spent the last five years perfecting its payment platform through its operations in Mexico, which still facilitate over two million users. IPSI’s new business structure will use the latest technology, including blockchain and an e-wallet, to provide consumers the ability to make payments worldwide. The company’s innovative ecosystem will include multiple devices, such as POS terminals, mobile applications and self-service kiosks, offering alternative payment methods to meet the needs of unbanked and underbanked consumers. IPSI Kiosk Platform The IPSI Kiosk platform strategy aims to provide simple payment solutions and low-cost financial services for consumers and businesses. These kiosks offer access to digital payments for the unbanked and underbanked, allowing for remittance, merchant payments, microloans and other financial services. The kiosk enables new features and transaction modules to be added and implemented easily, leveraging a flexible, open architecture to minimize costs. Current services provided by the kiosks include bill pay and cellphone top-up. Additional features are currently in development, including payday loans, gaming, auto insurance, title loans, lottery, international remittance, a mobile app and an e-wallet. Already linked to Mexico’s largest service providers, the IPSI network is expected to add over 150 services for payment, including mobile networks, cable providers, home lenders, banks and microlenders. In 2019, IPSI’s kiosk network processed roughly 4.5 million transactions in Mexico totaling over $17 million. The company currently has 50 kiosks that it intends to install at retail locations in Southern California. It also plans to deploy kiosks in other states. IPSI Kiosk Channel Value The IPSI Kiosk provides value for businesses and consumers. For businesses, the IPSI Kiosk:

• Serves as an additional revenue source;
• Attracts new traffic and potential customers;
• Offers remote software updates and monitoring, making the kiosks low maintenance;
• Is easy to use, with little need for customer service intervention; and
• Requires minimal staff training and overhead.

For consumers, the IPSI Kiosk:

• Offers a more comfortable alternative for making payments for cash-dependent unbanked individuals and those uncomfortable with online payments and
• Is accessible 24/7 for bill payment services.

The IPSI Kiosk also provides add-on services that further its value proposition for both businesses and consumers. These include second screen and targeted advertisement options, payday loans, check deposits, prepaid cards and checkout services. IPSI Coin IPSI is currently working on plans to launch its own stable IPSI Coin and has retained Horizons Law and Consulting Group to advise on its stable coin creation. The company plans for IPSI Coin to be backed by the U.S. dollar and administered by an independent custodian to ensure transparency and stability. The creation of the coin will enable customers to send payments directly to over 200 service providers in Mexico and transfer funds in a matter of minutes via the self-service kiosks to be implemented in Southern California. “The fintech industry is undergoing a massive shift with the introduction of artificial intelligence, everchanging distribution models, fee diversion and digital payments,” IPSI CEO William Corbett stated in a news release (https://ibn.fm/wwtBV). “We are focused on providing a comprehensive solution in the digital payment arena for those who need it most. Our goal is to provide the millions of unbanked and underbanked as well as banked consumers in California, a cost efficient and convenient method to make payments and remittances with instant settlement.” Digital Payment Market Outlook In 2018, the global digital payment market was estimated at $43.5 billion. It is expected to register a CAGR of 17.6% through 2025, reaching a forecast market size of $132.5 billion, according to Grandview Research (https://ibn.fm/pLTUt). The growth is expected to be led by expanding use of smartphones, e-wallet payment solutions and the introduction of unbanked payment solutions to the market, offering companies such as IPSI significant opportunities for expansion. Management Team William Corbett is the CEO and a Director of IPSI. He has 30 years of experience financing and advising development and growth stage tech and biotech companies. Before IPSI, he was the founder and CEO of California-based Digital Power Lending. Corbett gained experience as a managing director during his time with Paulson Investment Co. and in senior banking and top producer roles at Lehman Brothers and Bear Stearns. He was a co-founder of the San Francisco and PIPE pioneer boutique investment bank, The Shemano Group. He has raised over $2 billion during his extensive career. Andrey Novikov serves as IPSI’s Chief Technical Officer and Chief Operating Officer. He is the former VP of Global Business Development of Qiwi PLC (NASDAQ: QIWI). Leveraging extensive knowledge of the industry, Novikov played a lead role in the development of Qiwi startups in China, Mexico, India, Brazil, Argentina, Chile, Peru and other countries. James W. Fuller holds a Director position at IPSI. He is the former chairman of San Francisco think tank Pacific Research Institute. He is a board member for The International Institute of Education, a member of the Pacific Council for International Policy, and a former member of the Committee of Foreign Relations and the board of trustees of the University of California – Santa Cruz. He is the former Senior Vice President of the New York Stock Exchange and was responsible for corporate development, marketing, regulation oversight, research, corporate listing and public affairs. For more information, visit the company’s website at www.InnovatePaySolve.com. NOTE TO INVESTORS: The latest news and updates relating to IPSI are available in the company’s newsroom at https://ibn.fm/IPSI

• Measurable success achieved in Q3 2020 in key financial, operational, and technical projects
• Revenue increases reported in products and services offerings; balance sheet improved with significant reduction in variable-rate debt
• Q3 total revenue exceeded Q1 and Q2 total revenue combined
• Company reported receipt of 12 pre-orders for the innovative BaroShear K45, which is on track to be released in mid-2021
• Alliance with Leica Microsystems over PBI’s proprietary pressure cycling technology (“PCT”) platform has the potential to accelerate cancer R&D and subsequent drug development using an innovative tumor processing workflow

Pressure BioSciences (OTCQB: PBIO) is a leader in the development, marketing, and sale of proprietary pressure-based instruments, consumables, services, and platform solutions to the worldwide life sciences and other industries. Last week, the Company recently reported its third-quarter financial results and provided a business update, including initial expectations for 2021 (https://ibn.fm/sfRbm). The Q3 2020 Form 10-Q financial report underlines that measurable progress was seen in three important areas: key operational and technical projects; revenue increases in the Company’s products and services offerings; and important structuring improvements in the reduction of arduous, variable-rate convertible debt. According to Pressure BioSciences CEO and President Richard T. Schumacher, the Company achieved impressive results in Q3 compared to the previous two quarters of 2020, which were both negatively impacted by business interruptions caused by COVID-19. The Q3 results have shown a remarkable recovery, with revenue exceeding Q1 and Q2 2020 combined. “Similarly, instrument sales in Q3 2020 exceeded instrument sales in Q1 and Q2 2020 combined, and contracted services revenue for our Ultra Shear Technology(TM) nanoemulsions and BaroFold(TM) biopharmaceutical protein refolding and recovery platforms in Q3 2020 also exceeded revenue for the same services in Q1 and Q2 2020 combined,” Schumacher added. The Company has restructured debt and improved its investment-grade profile. Going into 2020, the Company had approximately $5.4 million in expensive, variable-rate convertible debt. As of the end of September, this had been reduced to $1.7 million through the combination of cash and conversion into common stock at the above-market price of $2.50. The Company also carried a Merchant Cash Advance balance totaling approximately $1.1 million, which was paid down to $0 during the Quarter. Providing other updates and plans for 2021, the Form 10-Q report also mentioned that Pressure BioSciences is on track to launch its innovative BaroShear K45 Nanoemulsification System by mid-2021. Purchase orders for the 12 BaroShear K45 systems the Company plans to manufacture in early 2021 have already been received ahead of the planned mid-2021 commercial release. This novel and proprietary system, based on the Company’s Ultra Shear Technology(TM) (“UST”) patented platform, is designed to revolutionize the processing of immiscible liquid, turning them into water-soluble nanoemulsions. The BaroShear K-45 system was created to revolutionize the processing of immiscible liquids – usually processed into macro/micro emulsions – into high quality, highly profitable nanoemulsions. Emulsions are mixtures of two or more liquids (e.g., oils in water) that typically cannot be blended into each other without the addition of chemicals called emulsifiers (e.g., surfactants). Emulsions are used in thousands of products in everyday use, including food, medical products, pharmaceuticals, nutraceuticals, cosmetics, industrial lubricants, and even cannabis oil extracts (e.g., CBD). Scientific data indicate that improved absorption, higher bioavailability, greater stability, lower surfactant levels, and other advantages (such as more reliable dosing control) are better achieved with high quality nanoemulsions. The Company was recently awarded the first United States patent for its proprietary Ultra Shear Technology Platform, as well as a patent for its best-selling and pressure-based consumable device, the PCT MicroPestle. Two UST patents had been previously awarded in China for the UST platform. The report also highlighted some of the Company’s recent collaborations. Earlier this year, Pressure BioSciences and RedShiftBio expressed the potential of combining their proprietary technologies to produce a new tool for the development and production of biotherapeutics. The Company also signed a worldwide, co-marketing alliance with Leica Microsystems, which integrates its Pressure Cycling Technology (“PCT”) with RedShiftBio’s laser microdissection platform. Together, both companies believe the platform provides the potential to accelerate cancer R&D using an innovative and proprietary tumor processing workflow. These encouraging results and developments, in addition to the Company’s success in developing and preparing its technologies for numerous and diverse large market opportunities worldwide, are positioning Pressure BioSciences for a strong start in 2021 and setting the Company on a path to achieve major revenue growth and profitability next year, according to Chairman of the Board Jeffrey N. Peterson. For more information, visit the company’s website at www.PressureBioSciences.com. NOTE TO INVESTORS: The latest news and updates relating to PBIO are available in the company’s newsroom at http://ibn.fm/PBIO

• Entered industry during pandemic with aggressive approach to target specific demographics, attract new gamers
• eSports betting increased by almost 3,000% in March 2020, 124% in April, and 36% more in May
• Gamers, seasoned gamblers and newbies brought into the platform enticed to increase participation through loyalty, gamification programs

Mobius Interactive launched three differentiated brands simultaneously in September 2020. While the gambling industry as a whole saw a decline in 2020, esports and online gaming saw a surge in users. Mobius’ three brands — Aragon Casino, Club Double and MobiusBet — target specific demographics and interests and hone in on the growing esports segment expected to reach a value exceeding $1.7 billion in 2021. The COVID-19 pandemic played a toll on gambling and betting activities in 2020 (https://ibn.fm/yU6KJ). So much so that IBISWorld projects a revenue fall for the industry of 27%. This is in large part due to the lack of spectators at live events. As spectator sporting events begin to reopen with social-distancing measures in place, the industry anticipates some recovery as companies learn to pivot and approach reopening challenges. IBISWorld projects the 2021–22 year to be strong and estimates an increase in revenue by 23.9%. While in-person spectator gambling sports such as horse racing saw a decline in revenue, esports thrived. People stuck in lockdown sought an escape and a measure of social interaction. According to the IBISWorld report, esports betting increased by 2,992% in March 2020, then another 124% in April, and 36% more in May. What began as a substitute activity looks to be quickly becoming the norm, providing an even safer alternative to social-distancing constraints placed on live events. Mobius is looking to grow through multiple touchpoints. Through targeted marketing efforts, the company is attracting newbies to the world of online gaming and seasoned gamblers. According to IBISWorld only 0.2% of adults in an April YouGov survey reported that they had started gambling for the first time at the beginning of the pandemic. Mobius is raising the stakes. A partnership with Puurl is providing the opportunity to attract players shopping online with “soft gaming.” Individuals who might not typically be attracted to the platform are enticed with the opportunity to place a bet on an object they were looking to purchase. The company is also seeking out high-value players by partnering with more than 600 VIP and Master gaming affiliates. Once a customer, seasoned or “soft,” is brought in, the platform works through loyalty and gamification programs to increase participation. Mobius may be a new company, but the company’s leadership team brings more than four decades of hands-on experience in the industry. In the last three years alone, the company’s management team is responsible for launching 30 successful products. If their track record is any indication, Mobius is worth betting on. For more information, visit the company’s website at www.MobiusInteractive.Ltd. NOTE TO INVESTORS: The latest news and updates relating to Mobius are available in the company’s newsroom at http://ibn.fm/Mobius

• VistaGen currently developing three novel drug candidates designed to treat central nervous system disorders
• Anxiety disorders have been found to affect 18.1% of the U.S. population; however, only 36.9% of those suffering receive treatment
• Prevalence of depressive disorders in U.S. workplace is estimated to result in economic impact of over $210.5 billion per annum
• COVID-19 pandemic has further exacerbated these conditions, with number of patients displaying anxiety symptoms rising by 93% YoY between January – September 2020

VistaGen Therapeutics (NASDAQ: VTGN) is a biopharmaceutical company committed to developing a new generation of medications which go beyond the standard of care for anxiety, depression, and other central nervous system (“CNS”) disorders. Anxiety disorders have been found to be the most common mental illness in the U.S., affecting 40 million adults in the United States age 18 and older, or 18.1% of the population. However, while most anxiety disorders are highly treatable, only 36.9% of those suffering receive treatment (https://ibn.fm/z00SV). Two of the most common mental health conditions, namely depression and anxiety, are estimated to cost the global economy $1 trillion each year—and these conditions have been further exacerbated during the COVID-19 pandemic (https://ibn.fm/tmPyO). A recent study carried out by Mental Health America found that the number of people looking for help with anxiety and depression has skyrocketed in 2020; between January to September 2020, the number of people screening for anxiety symptoms rose by 93% relative to 2019 while those found to have symptoms of depression rose by 62% year-on-year (https://ibn.fm/rDGWQ). Within the U.S. workforce, the prevalence of major depressive disorders (MDD) has been estimated at 7.6%, with the total economic burden now estimated to be over $210.5 billion per year. Nearly half of these costs are attributed to the work place, including absenteeism (missed days from work) as well as reduced productivity while at work, whereas 45-47% are due to direct medical costs, which are shared by employers, employees, and society (https://ibn.fm/ev3Ns). The impact of CNS-related disorders on patient lives and the wider global economy, coupled with the potential risks associated to conventional benzodiazepine drugs – the class of medicines approved to treat conditions such as anxiety, insomnia and seizures—have increased the urgent need for pharmaceutical companies to develop safer alternatives to the traditional medication available to patients today. VistaGen Therapeutics has sought to address this situation through its product portfolio, consisting of three novel drug candidates – namely, PH94B, PH10 and AV-101, which seek to target a wide variety of central nervous system (“CNS”) disorders through medications designed to present fewer side-effects relative to their commonly used peers. PH94B is a fast-acting, non-systemic and non-sedating neuroactive nasal spray which is being developed as an acute treatment of anxiety in adults afflicted with social anxiety disorder (“SAD”). It has been designed to displace benzodiazepines – which have recently been required by the U.S. Food and Drug Administration to describe the risks of abuse, misuse, addiction, physical dependence and withdrawal reactions consistent to all medicines in this class (https://ibn.fm/wgF1B). PH10 is an investigational synthetic neuroactive nasal spray in development as a potential rapid-onset therapeutic alternative in a wide range of depression-related disorders. Mental health conditions have been found to have a substantial effect on all areas of life, including socially and economically. Through the development of its three novel drug candidates, VistaGen Therapeutics has sought to address the growing need for safe and effective treatments to a disease whose spread had gone widely unchecked in recent years. NOTE TO INVESTORS: The latest news and updates relating to VTGN are available in the company’s newsroom at https://ibn.fm/VTGN

• Recent study reports that consumers are opting for single-serve beverages; bottled water outperforms carbonated beverages
• WTER’s flagship product — Alkaline88 — now available in easy-to-carry, two-liter single-serve bottles
• Company’s A88 flavor-infused water offering gaining significant market share, available in growing number of spaces

A growing number of consumers who drink and snack throughout the day are turning to single-serve, ready-to-drink beverages, often found most easily at c-stores, according to a recent Shop Association report (https://ibn.fm/Q5Hw7). Recognizing the market opportunity, The Alkaline Water Company (NASDAQ: WTER) (CSE: WTER) recently launched a new 2-liter single-serve option to meet that increased customer demand (https://ibn.fm/aysjl). “Overall, the beverage industry is positioned to remain strong throughout the coming years with bottled water outperforming carbonated beverages,” reported the Shop Association study, which also noted that convenience is a key driver in the segment growth. “A recent global Packaging market research study from the Association for Packaging and Processing technologies found that customers tend to pick up grab-and-go foods for purchase as an impulse. Retailers and brands can capitalize on this impulse spending while finding ways to implement environmentally friendly messages and customizable elements into foodservice packaging. Grab-and-go programs for a product in a growing category is one way to increase incremental sales for both brands and retailers.” Committed to meet the needs of consumers and retailers alike, WTER unveiled its flagship product — Alkaline88(R) — in new, easy-to-carry, two-liter bottles, available for purchase alone or in a six pack. “This unique six pack complements our existing line-up, especially our single-serve offerings, which continue to do well in the current environment,” said The Alkaline Water Company’s president and CEO Ricky Wright. “The two-liter format is extremely popular in the carbonated soft drinks segment but virtually nonexistent in the bottled water category.” With its innovative, state-of-the-art proprietary electrolysis process, Alkaline88 delivers perfect 8.8 pH balanced alkaline drinking water with trace minerals and electrolytes and perfectly represents the company’s trademarked Clean Beverage label. In addition to Alkaline88 and in another show of its astute awareness of consumer demand and interest, The Alkaline Water Company also offers A88 Infused(TM). Available in seven all-natural flavors (with new flavors on the horizon), the flavor-infused water offering is gaining significant market share and is available in a growing number of spaces (https://ibn.fm/ndOgp). “Demand for our single-serve offerings are at an all-time high, and we are rapidly growing shelf space for our A88 Infused flavored waters,” stated Wright. “Our channel partners are some of the leading players in the all-natural vertical and give us a reach into nearly 40,000 retailers nationwide. Our sales team is working closely with our partners to create ‘speed to market’ programs, including promotion and incentives to drive further momentum. We are doing a great job creating new leads, and currently, our flavors are carried by or have placement commitments from nearly 13,200 stores across the U.S. . . .Our A88 Infused brand is now available in some of the top supermarkets, retailers, and wholesalers, and we expect this trend to accelerate throughout our fiscal year.” Founded in 2012, The Alkaline Water Company is headquartered in Scottsdale, Arizona. Its flagship product, Alkaline88, is a leading premier alkaline water brand available in bulk and single-serve sizes along with eco-friendly aluminum packaging options. In addition to its A88 Infused(TM) water line, the company also recently launched A88CBD, a line of CBD-infused beverages.  For its topical and ingestible offerings, A88 Infused products include both the company’s lab-tested, hemp extract salves, balms, lotions, essential oils, and bath salts, along with hemp extract powder packs, oil tinctures, capsules, and gummies. For more information, visit the company’s websites at www.A88CBD.com and www.TheAlkalineWaterCo.com. NOTE TO INVESTORS: The latest news and updates relating to WTER are available in the company’s newsroom at http://ibn.fm/WTER

• BRSF is modernizing brain diagnostics with cost-effective, disposable solutions that help minimize risk of spreading disease
• AI-assisted analysis allows for processing of relevant data in real time at high speed for early diagnosis, higher rate of successful treatments

Brain Scientific (OTCQB: BRSF) is modernizing brain diagnostics by employing cutting-edge tech to bridge the widening gap in access to quality care. BRSF is achieving this through cost-effective and disposable substitutes to existing solutions that improve patients’ access to neurological care. Currently, BRSF is in phase two of a three-phase plan for development. Phase one of development occurred in 2018–2019 with the inception of portable, clinical-grade, easy-to-use neurological devices. The company’s two FDA-cleared products — NeuroCap(TM) and NeuroEEG(TM) — are delivered by MemoryMD Inc., a wholly owned subsidiary of Brain Scientific. Additional devices currently under development address routine EEG, pediatric EEG, long-term monitoring, AI and telemedicine. The disposable and cost-effective NeuroCap could end up being a viable tool in the treatment of those infected with COVID-19. Over 80% of hospitalized patients from the pandemic have been displaying neurological symptoms (https://ibn.fm/nmbSd). The disposable aspect of the NeuroCap is key in the treatment as reusable EEG electrodes have the potential for putting patients in further risk (https://ibn.fm/K4pg4). Phase two of development, which is currently ongoing, is the creation of a cloud-based, secure infrastructure to transmit patient data between patients and teleneurologists.  The demand for neurological services is growing. According to the American Academy of Neurology, the demand for neurologists is outpacing the supply. It is estimated that by 2023, the United States will be short anywhere from 20,600 to 39,100 specialists, including neurologists (https://ibn.fm/HpdcT), which means patients will likely end up waiting to see a neurologist. Creating a cloud-based infrastructure could allow patients to access this vital care. Phase three (planned for 2021–2022) focuses on the use of AI-assisted diagnostic analysis to increase the efficiency, consistency and accuracy of neurology specialists. Brain Scientific is developing several new products for the AI market, incuding the following:

• Brain E-Tatoo is a subcutaneous, minimally invasive, implantable EEG electrode designed for long-term monitoring to detect epileptic seizures.
• Brain AI is not one product but rather a database of biomarkers that work to develop algorithms to detect abnormal activity.

AI-assisted analysis is vital in moving forward for better care and treatment for patients. A massive amount of data and published studies has been created as the healthcare community discovers new medicines, new applications of medication, new precautions and new approaches to patient care. More data has been produced than a human can process. AI-assisted analysis allows for the processing of relevant data in real time at high speed to allow for the early diagnosis and probabilistic success rates for various treatments. This approach, one in which Brain Scientific is leading the way, provides a tool for the neurologist to provide optimal care to each and every patient. For more information, visit the company’s website at www.BrainScientific.com. NOTE TO INVESTORS: The latest news and updates relating to BRSF are available in the company’s newsroom at https://ibn.fm/BRSF

• China’s government has set out its next 5-year plan, highlighting promotion of electric vehicles as key tenet underpinning their environmental policies
• Net Element’s reverse merger with EV manufacturer Mullen Technologies is expected to close by 4Q2020, with Net Element expected to divest its legacy payments business following the deal
• Company aims to begin selling K50 Dragonfly sportscar by 2Q2021, recently began pre-sales for its wholly self-developed EV SUV, the Mullen MX-05
• US has followed in China’s footsteps, with Presidential candidate Joe Biden encouraging mass EV adoption as key policy initiative

Net Element (NASDAQ: NETE), a financial technology company in the process of transforming its business model to become a pure-play electric vehicle (“EV”) manufacturer through its binding letter of intent to merge with privately-held Mullen Technologies Inc., may have timed its move to perfection. The fifth plenum of the Chinese government concluded on October 29 following a four-day meeting. This year, the semi-annual gathering of China’s top leaders had a special task – finalizing the blueprint for the 14th Five-Year Plan, which will set out China’s economic policies for the period from 2021 – 2025 (https://ibn.fm/koCs5). One of the key undertakings adopted by the Chinese government during the plenum involved delineating a series of measures set to govern the development of the nation’s budding new energy vehicle (“NEV”) sector between 2021-2035, which aim to accelerate the country’s development into an automotive powerhouse. The plan released by the State Council, China’s cabinet, listed a number of broad guidelines, namely – to improve the domestic Chinese auto sector’s capacity for technological innovation, build advanced industry ecosystems, and encourage further industrial integration and development. More specifically, the plan stated the Government’s ambitions of bringing the average power consumption of new, purely electric passenger cars down to 12 kWh/100 km while raising the market share of new NEVs within total automotive sales to 20% by 2025. By 2035, the Government aims to encourage the mass adoption of purely electric automobiles as a replacement to conventional internal combustion engine powered cars, while ensuring that all vehicles used in public transportation are completely electrified (https://ibn.fm/4QsI9). Net Element and Mullen Technologies have revealed plans to begin their foray into the US electric vehicle market through their partnership with Chinese EV manufacturer, Qiantu Motors, with the aim of marketing and selling the latter company’s vehicles in the US. The joint-venture’s first product will be the K50 Dragonfly – an all-electric, two-seat, carbon-fiber-bodied sports car which can go from 0-100 km/hr in 4.6 seconds (faster than a Porsche Boxster) and which is set to begin deliveries from 2Q2021 onwards. The company plans to follow on from their introductory model with the manufacture and sale of an entirely self-produced EV SUV, the Mullen MX-05, by the second quarter of 2022—with hopes of reaching a production threshold of 35,000 vehicles per annum by 2026. Mullen recently announced that the company has begun taking pre-orders for the MX-05 as of October 1, 2020 through its website as well as through any Mullen retail location in the U.S. China’s NEV policies, while considerably more ambitious than those professed by the rest of the world, have resonated elsewhere around the globe. During his campaign, Democratic Presidential candidate Joe Biden set out four key targets driving his goals to encourage EV adoption – building 500,000 public EV charging stations by 2030, restoring the full EV tax credit, shifting government fleets to electric cars, and developing a new fuel economy target (https://ibn.fm/zqFBK). Economies and governments the world over have positioned themselves for the mass promotion and adoption of electric vehicles as a key pillar underpinning their environmental goals. Through their upcoming tie-up (pending shareholder approval), as well as through their recent operational initiatives, Net Element and Mullen Technologies find themselves well positioned to respond to the rising tide of demand within the electric vehicle sector. For more information, visit the company’s website at www.NetElement.com. NOTE TO INVESTORS: The latest news and updates relating to NETE are available in the company’s newsroom at http://ibn.fm/NETE

• Josemaria Resource’s flagship copper-gold-silver Josemaria Project is located in Argentina’s San Juan province
• Company has recently published its NI 43-101 compliant feasibility study on the project
• Mine expected to generate an average annual production of 136,000 tonnes of copper, 231,000 ounces of gold and 1,164,000 ounces of silver over its 19-year life
• Study indicates $1.53 billion after-tax Net Present Value at an 8% discount rate, 15.4% Internal Rate of Return at metal prices of $3.00 per pound copper, $1,500 per ounce gold, $18 per ounce silver
• The Josemaria Project return increases to $US2.3Bn After-Tax NPV₈ and 18.5% IRR as calculated by metal prices on November 12, 2020 of $US3.14/lb Cu, $US1883/oz Au and $US24.33/oz Ag (https://ibn.fm/zR4Ip)
• JOSE anticipates a 3.8-year, rapid payback period on initial capital investment from start of production

Josemaria Resources (TSX: JOSE) (OTC: JOSMF) (Nasdaq Stockholm: JOSE), a Vancouver, BC, Canada-based natural resources company, recently released the results of an independent NI 43-101 compliant feasibility study on its flagship project, the wholly-owned copper-gold-silver Josemaria Project located in the San Juan Province, Argentina (https://ibn.fm/DlDYg). Prepared by a team led by Fluor Canada Ltd. alongside SRK Consulting (Canada) Inc. and Knight Piesold Ltd., the study revealed a robust and relatively low-risk project with a rapid 3.8-year payback period.  The mine is planned as an open pit operation feeding a conventional process plant at a Life-of-Mine average rate of 152,000 tonnes a day over a 19-year mine life.

The feasibility study projects average annual metal production of 136,000 tonnes of copper – equivalent to nearly 0.7% of annual global copper production, 231,000 ounces of gold and 1,164,000 ounces of silver on average over its life span with higher output early in the mine life. Similarly, the study indicated a $1.53 billion after-tax Net Present Value at an 8% discount rate and a 15.4% Internal Rate of Return at metal prices of $3.00 per pound copper, $1,500 per ounce gold, and $18 per ounce silver. At spot prices on November 12, 2020 ($US3.14/lb Cu, $US1883/oz Au, $US24.33/oz Ag) these numbers increase to $US2.3Bn After-Tax NPV₈ and 18.5% IRR.

“We are extremely pleased with the results of the Feasibility Study at Josemaria which indicates that this is one of the very few readily developable copper-gold projects in the world today,” said Josemaria Resources President and CEO Adam Lundin. “I believe the study results will allow us to unlock various financing opportunities as we move toward construction.”

The company estimates that the project’s anticipated capital costs, which include engineering, procurement, construction, management, on- and off-site infrastructure and contingency, amount to approximately $3.09 billion, with a further $940 million in sustaining capital  required to maintain operations at full production over the entire 19-year life span of the mine (https://ibn.fm/8svkR).

The feasibility study includes an optimised mine production plan with average grades in the initial three full years of production notably better than the life of mine averages, supporting strong investment payback potential and driving a 3.8-year payback period from start of production.

Following the release of the feasibility study, the Josemaria Project is expected to continue progressing rapidly towards construction. Basic engineering work is currently forecast to begin in the first quarter of 2021, followed by detailed engineering in the third quarter of 2021. The construction of a pioneering access road is planned to commence in the third quarter of 2021 predicated on appropriate permitting and financing milestones being met. Once all necessary conditions have been met, Josemaria Resources anticipates commencing the bulk earthworks on site during the fourth quarter of 2022. Commercial production is ultimately forecast to commence by 2026.

Once operational, the Josemaria Project is estimated to derive 71% of its revenues through the production of copper, with a further 27.5% contributed by gold and 1.5% from silver. Global demand for copper has shown a steady growth trajectory over the years- with the global copper market expected to achieve an annual value of $222.1 billion by the end of 2026.  Gold, a traditional store of value and safe haven investment has seen its price appreciate significantly over the course of the year touching a high of $2,067.15 an ounce in early August 2020 (www.gold.org)

For more information, visit the company’s website at www.JosemariaResources.com.

NOTE TO INVESTORS: The latest news and updates relating to JOSMF are available in the company’s newsroom at https://ibn.fm/JOSMF

• Sustainable Green Team Ltd reported its financial results for 3 months ending Sept. 30, 2020
• Company reported 3Q20 revenues of $5.9 million, gross profit of $422 thousand, taking 9M20 revenues to $24.5 million and gross profit to $5.5 million
• SGTM also provided status update regarding its retailing tie-up with Circle K convenience stores, the geographical scope of which has now increased to include fourth region

Sustainable Green Team (OTC: SGTM), a leading provider of environmentally beneficial solutions for tree and storm waste disposal, has recently published its financial results for the third quarter of 2020. The company has seen its fiscal revenues rise to total $24.5 million over the first nine months of 2020. For the fiscal quarter ending September 30, 2020, SGTM reported $5,907,155 in revenue, $422,133 in gross profit and $36,140,923 in total assets, with a strong position of $5,936,798 in cash and liquid investments. In aggregate, that took the company’s total revenues for the first nine months of the year to $24,544,820 while recording $5,503,905 in gross profit (https://ibn.fm/aBJQN). The company also seized the opportunity to expand on its numerous achievements over the course of past three months:

• Completion of company name and trading symbol change as of July 21, 2020
• SGTM awarded IPEMA certification to recycle tree and storm waste into public playground surfacing material on July 23, 2020, providing the company with access to a $4 billion market
• Completion of the dual line mulch bagger and fully automated electric grinding screening operation at Waste Management’s Apopka, Florida-based facility, increasing its mulch manufacturing capability by 4 million bags per year
• Addition of new grapple hauling trucks to the Company’s fleet, with each truck capable of hauling 1,250 loads per annum, equivalent to $400 thousand in gross revenue
• Obtaining a permit to accept debris and manufacture mulch at the company’s state-of-the-art, 100,000 square foot Jacksonville facility

“I am proud of our team and the progress we have made this year in achieving these key milestones,” commented Sustainable Green Team’s CEO and Director Tony Raynor in reference to the results. “We plan to proceed in a similar manner during the remaining quarter and end 2020 on a strong note. In keeping with that aim, we have already completed our two-year audit to commence our Form 10 process, which will enable us to begin 2021 as a fully reporting company and uplist accordingly.” Separately, the company also took the opportunity to announce that it had signed a new mulch contract for 2021 with Circle K convenience stores, a subsidiary of Alimentation Couche-Tard, Inc (OTC: ANCUF). The original agreement with Circle K, signed in October 2020, was modified to add an additional region to the initial three regions in which SGTM’s mulch products would be marketed, thereby increasing the potential revenue potential from the tie-up (https://ibn.fm/ya2nW). To learn more about Sustainable Green Team Ltd., view the investor presentation at https://ibn.fm/vtjJ2. NOTE TO INVESTORS: The latest news and updates relating to SGTM are available in the company’s newsroom at http://ibn.fm/SGTM

• Under the vendor agreement with the world’s leading short-term rental property management company, InsuraGuest Technologies will provide coverage to tens of thousands of Guesty clients
• The current size of the vacation rental market is valued at approximately $87.61 billion and is expected to grow to an estimated $113.9 billion by 2027
• InsuraGuest is not only handling digital insurance in the hospitality sector but also branching out to offer coverage options in multiple other industries

Leading insurtech company InsuraGuest Technologies (TSX.V: ISGI) has announced that it has entered into a signed vendor agreement with Guesty, the world’s foremost short-term rental property management company. Guesty provides an end-to-end solution platform for property managers and management companies to simplify and automate operational needs for short-term rentals (https://ibn.fm/Aklcz). Under the vendor agreement, InsuraGuest will integrate with Guesty property management software through the company’s proprietary API. “Upon completion of our API integration, InsuraGuest will be available to Guesty’s tens of thousands of clients with a product that not only protects their properties but also responds to claims made by their guests,” said Douglas Anderson, CEO and Chairman of InsuraGuest Technologies. The integration will allow Guesty’s users to transfer certain liabilities to InsuraGuest’s Hospitality Liability Policy. As a result, these short-term rental properties can lower claim ratios and their risk profile, which may lead to a decrease in general liability or homeowner’s insurance premiums. InsuraGuest Hospitality Liability coverages are the first line of defense for member hotels and vacation rental properties. The policy provides an additional layer of protection that prevents the need for general liability claims if an InsuraGuest covered claim occurs. InsuraGuest responds to the claims of guests on a primary basis, covering accidental in-room property damage, theft, accidental death and dismemberment, and accidental medical expenses. The coverage fills the gap that is left by other policies, inserting protection that responds to the property when guests experience mishaps. InsuraGuest will provide Guesty’s clients with an additional layer of protection while providing them with competitive pricing, reduced risk, the potential for lower liability insurance costs, quick claim compensation turnaround, and improved guest experiences, giving them a worry-free stay. The short-term rental entity extends coverage to every guest, activating the coverage upon check-in. The charge for the coverage is placed in the guest’s folio or is bundled into the nightly rate. Regarding the vendor agreement between InsuraGuest and Guesty, Alon Eitan, Guesty’s director of strategy and business development, said, “We are excited to begin our relationship with InsuraGuest. Providing our customers with access to vendors like InsuraGuest helps protect their properties and provide peace of mind.” Guesty works with several major online travel agencies, providing end-to-end solutions for companies like Airbnb, Vrbo, and TripAdvisor. Their clients also use Guesty’s guest-centric tools, including Unified Inbox, 24/7 Guest Communication Services, Automation Tools, Payment Processing, and now InsuraGuest’s Hospitality Liability Policy, as well. The agreement helps InsuraGuest strengthen its position as an insurance solution provider in the vacation rental market, a sector that is constantly expanding. The current size of the vacation rental market is valued at approximately $87.61 billion, and it is expected to grow at a CAGR of 3.4% to an estimated $113.9 billion by 2027 (https://ibn.fm/KxjbY). InsuraGuest Technologies is transforming how we view insurance, providing digital insurance reimagined, reinvented, and revolutionized. InsuraGuest aims to transform the way insurance is delivered with the revolutionary idea that insurance should be bought, not sold. For more information, visit the company’s website at www.InsuraGuest.com. NOTE TO INVESTORS: The latest news and updates relating to ISGI are available in the company’s newsroom at http://ibn.fm/ISGI