The next generationof real estate investment

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CROWDLITOKEN

ELEMENTS OF INDIRECT INVESTING• No hassle with finding & managing properties

• Tradeable (ISIN: LI0432942626)

• Prospectus approved by FMA (FL)

PLUS

In addition, with CROWDLITOKEN you benefit from...• Lower costs than in investment funds• Flexible adjustment possibilities• Tax efficiency and no withholding tax

ELEMENTS OF DIRECT INVESTING• Individual property portfolio

• Inflation-protected return (5-7%)

• No premiums

CROWDLITOKEN is a fully compliant digital bond which allows investors to participate in a European core real estate portfolio. Investors can select their own properties, determine their individual risk-return-profile

and choose freely between cash flow realization and capital growth.CROWDLITOKEN combines the benefits of direct and indirect real estate investments.

COMBINES THE BENEFITS OF DIRECT AND INDIRECT REAL ESTATE INVESTMENTS

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DIGITAL BOND TERM: 25 YEARS + MAX. 10 YEARS

EXTENSION OPTION

MINIMUM INTEREST INCREASING

FROM 0.875% UP TO 2.1% P.A.

REPAYMENT: PROPERTY PORTFOLIO VALUE,

MINIMUM OF CHF 0.70 PER BOND

REAL ESTATE: INCOME + VALUE

APPRECIATION

FIRST PROSPECTUS APPRO-VED BY FMA LIECHTENSTEIN

DISTRIBUTION IN EEA COUNTRIES

PRODUCT STRUCTURE

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THE BASICSCROWDLITOKEN AG issues a bond. The token („CRT“) is its digital representation. The funds raised by issuing the bond are invested into properties. CROWDLITOKEN owns the properties.

THE INNOVATIONThe income streams of the properties are digitalized as well and linked to the digital bond. The bondholder (= tokenholder) now profits from the income streams and value appreciation of the properties while having a minimum guaranteed interest on the bond.

The figure illustrates the balance sheet of CROWDLITOKEN AG.

Property

Bank

CRT Bond

EquityCash

FOR NEW COMMERCIAL CONCEPTS

DIGITAL ASSETS

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2020Place your tokens on real estate, e.g.:

2‘500 in Vienna2‘500 in Berlin5‘000 in Zurich

Invest in10‘000 Tokens

Pay CHF 10‘000

Select „CRT-Cash“Get monthly rental income paid out in cash

Select „CRT-Reinvest“ Get monthly rental income paid out in tokens to reinvest

At the end of the termYou receive the real estate portfolio value, but at least CHF 7‘000

2044Bond Issuance Bond Maturity

Allocationadjustable

anytime

Tradable anytime

TIMELINE EXAMPLE

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REAL ESTATE INVESTMENT

ADVANTAGES• Real value• Demand for living space increases• Regular income (rent)• Potential for value increase• Inflation protected, alternative to equity

OUR RESERVED PROPERTIES

50

100

150

200

202020172014201120082005

HISTORICAL VALUE DEVELOPMENTDevelopment of property prices

Source: EUROPACE Financial marketplace

House price index DE

Year

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Switzerland Germany / Austria

Benelux / Northern

Europe

Eastern Europe

Type

Net Return 5.6% 6.0-6.2% 5.5-7.0% 6.1-7.5%

• Real estate strategy: European “Core” properties, classic B-locations, multi-tenants buildings

• Leverage: 50-60% (family office approach)

• Valuation and reporting by Wüest Partner AG

REAL ESTATE KNOWHOW

REAL ESTATE STRATEGY

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INVESTMENT COMPARISON

PROS / CONS COMPARISON OF RETURNS

CROWDLITOKEN with 6.0% return

Minimum interest rate 3%

Initial investment CHF 100‘000 CHF 100‘000

After 25 years CHF 429‘187 CHF 209‘378

IndirectReal EstateInvestment

DirectReal EstateInvestment CROWDLITOKEN

CHF 100 LowHigh

5-7% (min. 2.1%*)

0.75% p.a.

2.4-3.3%**5-10%

0.60-2.50% p.a.Individual Costs

*from year 4 onwards, based on minimum repayment**Return of the largest open-ended real estate funds in Europe, source: Handelsblatt, June 2018

Individual selection

Voting rights

Flexible customisation

Approved �nancial product

Minimum investment

Low risk

Tradeability / Liquidity

ISIN number

Return

Costs

AmountCHF

Year

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INVESTMENT COMPARISON INVESTOR PORTAL

You will find all relevant personal infor-mation about your CRT investment on our investor portal. Here you can ma-nage your investments, allocate them to the desired properties on the basis of a risk/return profile and view the return. This portal is in preparation and will be available in the course of 2020.

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TEAM CROWDLITOKEN

Domenic KurtExecutive Management

Dr. Lidia BollaExecutive Management

Isabella BromExecutive Management

David HolensteinHead of Distribution

Martin ZügerChairman of the Board

Michael SchöbHead of Operations

Naoussa SchafferCreative Director

Tatjana BanzerSocial Media & PR

Dr. Hans EggenbergerBoard Member

Toni CaradonnaBoard Member

Claudia ZinserAssistent to CEO

Ermir KrasniqiManagement Officer

Danijel StanicAdministration & Finance

Dr. Hans KuhnBoard Member

Dr. Renato FassbindBoard Member

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OFFERING TERMS

Type Subordinated Bond governed by the law of the Principality of Liechtenstein

Issuer CROWDLITOKEN AG, Austrasse 15, 9495 Triesen, Liechtenstein

Issuance for third party compensation and own use

• 3% of all Tokens issued, plus 800‘000 CRT for compensation of team, staff and sales, and

• for compensation of third party engaged in structuring and execution of the STO

Term• 25 years (due in 2044)

• Option to defer repayment by two times five years

Interest Fixed Interest: 0.875% (year 1 + 2), 1.5% (year 3), 2.1% (year 4 onwards) based on the nominal value of CHF 1.00.

Repayment Individual share of net property portfolio value, whereby a minimum repayment amount of CHF 0.70 per Token is paid out.

Administration fee andperformance fee

• 0.75% p.a. property administration charge• 15% performance bonus on excess of 5% Return on Investment p.a.• 15% performance bonus on repayment amount at maturity above the face value of CHF 1.00 per Bond

DISCLAIMERThe content on this Booklet was created by CROWDLITOKEN AG and serves as a very high-level information about the CROWDLITOKEN project in an aggregated and summarized form. CROWDLITOKEN AG has made rea-sonable effort to ensure that the facts presented therein are accurate. Neither CROWDLITOKEN AG nor any of its affiliates, executives, board members or employees make any representations or accept any warranty as to the accuracy or completeness of the information presented in this booklet. CROWDLITOKEN is a novel and complex financial instrument applying technology which is not fully tested and markets for Trading, if available at all, being very immature. An Investment in Tokens is suitable only for experienced and financially sophisticated investors who are in a position accurately to evaluate the risks associated with such investment. In any case, potential investors are advised to consult their financial adviser, lawyer or bank in advance. This Booklet does not constitute an offer, solicitation to buy or subscribe to or invest in securities or financial instruments, either in the Principality of Liechtenstein or in any other jurisdictions. This Booklet does not constitute an offering prospectus in any regard. It is strongly recommended to further read the whitepaper plus both, the offering prospec-tus and the subscription agreement which both together are the legally binding documents for any subscription, acquisition and holding of CROWDLITOKEN (CRT). Potential investors are reminded that the subscription of CROWDLITOKEN is subject to restrictions imposed by laws of different countries.

The issue period of the first prospectus expired on 11 April 2020 and the prospectus is therefore no longer valid. A second issuing phase is currently in preparation.

CROWDLITOKEN AG | Austrasse 15 | P.O. Box 101 | FL-9495 Triesen | +423 797 05 24 | welcome@crowdlitoken.com | crowdlitoken.com

BECOME A PART OF OUR COMMUNITYVisit our website crowdlitoken.com or contact us:

welcome@crowdlitoken.com / +423 797 05 24