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TESTIMONIALS

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Ismail Byakatond
Bachelor of Public Administration
September 3, 2021
“Studying at Atlantic International University was the most unbelievable thing in my life. Being a student at AIU isn’t just about obtaining a degree but a whole new life experience that nurtured and made me develop some sense of discipline and improved knowledge, attitude, responsibilities and standard skills in information technology and communication. First of all I had never imagined to be a Ugandan as we well a student of USA, it’s unbelievable in life. It’s something that I knew you have to be in USA to be a student of USA.I had never imagined ismail to be a student in USA. I had never believed in online studying but I did his as atrial and now has made me a special person in my life compared to my peer team. I feel so proud that I studied in this university that has engineered me with a lot of knowledge and experience as follows: 1. Sharpened my Management Skills and leadership 2. Enabled me to gain competitive advantage over my peers 3. I developed the confidence needed to express myself in any situation as now known an international student 4. My effective communication skills were improved 5. The program placed me on a path to fully maximize my potential 6. The completion of the program placed my one step closer to the accomplishment of my dream goal of being a consultant in health setups on different aspects of management and leadership It was not easy at the start because everything was new to me, when I received a message that they have admitted me at the school I didn’t believe it because I had never expected to study abroad. I made a lot of calls to the admission register babatunde to confirm if its true am now a student of Atlantic international university. I was really happy because I knew my dream has come true. I had to start processing some payments and I got a lot of challenges in doing payments but finally I overcame the challenge. Babatunde olabode (admission register) helped me a lot that time. Thanks to him for the assistance he did for me. It has not been easy in this pandemic, we reached a time when I can’t access the university page due to network that was cut off by our government due to political issues but later after a month the problem was sorted but it really affect my study times.my experience with the virtual studying in Atlantic international university is dynamic and flexible academic program that you study at your convenience time.it gives room for everyone working or not working to pursue academic career. My sincere appreciation to the academic staff of Atlantic international university for the great opportunity given to me to acquire more knowledge through the benefit of scholarship program because I wouldn’t afford it myself alone. ... Read full text: https://www.aiu.edu/Testimonialdetail. html?ItemID=1758&rcid=73&pcid=63&cid=73

Ousman Jallow
Bachelor of International Relations
September 9, 2021

“Studying at Atlantic International University was one of the best decisions I have ever made. Being a student at Atlantic International University I had the opportunity to not only improve my knowledge but also develop sense of maturity and responsibility and improve my research skill. I am proud of my achievements and happy that I have made up my mind to proceed with my studies to acquire a master’s degree in peace and conflict resolution. I want to seize this opportunity to thank the university staff and faculty for their tireless and continuous support ranging form effective communication to staff friendliness more so to Mr. Jaime Rotlewics who gave me a lifetime opportunity to achieve my dreams. Wishing myself more successes ahead. Read full text: https://www.aiu.edu/Testimonialdetail. html?ItemID=1760&rcid=73&pcid=63&cid=73

Bello Kehinde Asanot
Master of Urban Planning
August 27, 2021
“My experience with the virtual studying in Atlantic International University is a dynamic and flexible academic programme at a convenience. It gives room for academic per excellence. However, I was able to enhance my academic performance and apply it in my daily routing at work and at my professional service delivery. Hence, I was able to discovered my research ability through series of assignment and research work which I undergo during my course of study in Atlantic International University. The interactive section with the academic staff of AIU is excellent. My sincere appreciation to the academic staff and non-academic staff of Atlantic International University for the great opportunity given to me ... Read full text: https://www.aiu.edu/Testimonialdetail. html?ItemID=1756&rcid=73&pcid=63&cid=73

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XTEM coin: Rewriting the African economic history

Freddy Frejus | Academic Tutor

Purpose The purpose of this document is to: 1.1 Originate the XTEM Coin. 1.2 Introduce the XTEM cryptocurrency Coin to the market in general and the TE Markets group’s ecosystem in particular. 1.3 Create a means of exchange for other cryptocurrencies and to solve TE Markets members’ payment settlements challenges. 1.4 Build and continuously develop an African Consolidated Exchange and create a continental wholesale micro-finance institution, with XTEM as the circulating medium within that ecosystem. 1.5 Propose that the stakeholders within the currency market, commodities market, and TE Markets’ ecosystem subscribe to the XTEM cryptocurrency given the huge potential benefits that are embedded and inherent in such an investment.

2. Background The global financial markets have seen unprecedented levels of growth within the cryptocurrency market over the past years. Moreover, the generally elevated levels of inflation in most African markets shows that there should be innovation within the currency sector in order to come up with better ways of managing the risk of inflation. It is worth mentioning that cryptocurrencies are now a major item in monetary policy regimes around the world and the sooner ordinary investors invest in this asset class the better for their strategies. The idea of an XTEM currency is not a new one as cryptocurrencies like Bitcoin, Ethere-um, Dogecoin, inter alia, are already being extensively used across the global currency markets. However, the XTEM is not just going to be a naked cryptocurrency, but rather it will have real intrinsic value as it will be synthetically indexed to certain defined commodities exchanges, stock market, indices, and will enjoy the full credit and might of TE Markets Limited and its various projects. The synthetic link for the XTEM currency provides it with a much better source of intrinsic value than even fiat currencies. Fiat currencies (paper money) have indirect intrinsic value that is why their value is heavily dependent on market confidence. In contrast, gold, platinum and silver on the other hand enjoy independent market confidence given the fact that they carry direct intrinsic value. It is against the backdrop of the foregoing that we hereby propose that the markets in general and the stakeholders of TE Markets strongly consider investing and subscribing to the XTEM coin. The XTEM has taken cognizance of the criticism that is usually leveled against other cryptocurrencies that they lack fundamentals, they have no known head offices, inter alia. XTEM does have these fundamentals as it has direct links not only to stock markets but also to commodities markets as well as having defined offices. Consequently, XTEM is not just a result of algorithms, passwords, and some blockchain technologies, but rather it has real fundamentals and intrinsic value as defined by the markets.

3. Problems The problem TEMCoin sets out to solve is intertwined with the Proposed African Consolidated Exchange. Being a team of active players in the Financial and Cryptocurrency markets, we realized that there is no known one-stop shop for trading Agricultural Commodities especially the ones that are of African origin, Stocks, Indices, FX, Cryptocurrencies, etc. In a bid to fill this gap, two questions came to mind: i. What if we build a unified exchange where almost all tradable instruments across major assets classes including African commodities could be traded? ii. How do we provide/generate liquidity for an exchange of such magnitude?

4. Solutions In answering the aforementioned, came the idea of the TEMCoin (XTEM). The TEMCoin will serve as the liquidity driver in our quest to bring to life the African Consolidated Exchange (ACEX)-a one stop shop for all traders. In this respect, the African Consolidated Exchange will be developed as a platform for trading synthetically indexed commodities, Stocks, Indices, Forex and Cryptocurrencies. Through TEMCoin, we are creating liquidity to change the paradigm of Exchange platforms as we know it today by building the novel African consolidated Exchange and we are asking you to come take a chance with us as you participate in TEMCoin Private and Public Sale.

5. Features of TEMCOIN I. Coin Burn Coin Burn is a deflationary model adopted by the team to control the circulating supply of TEMCoin which will relatively result in value/price appreciation for the digital asset. This process involves buying back a percentage of the circulating supply of the Coin and ultimately destroying it to trigger increased scarcity. This will be done quarterly till the burn cap is reached. II. TEMCoin liquidity staking pools TEMCoin will have Liquidity Staking pools (LP) to reward holders of the coin. In addition, snapshots will be taken occasionally to reward those holding a certain amount of TEM-Coin within a defined timeframe. This will create passive income opportunities for TEM-Coin Diamond hands. III. Native cryptocurrency for African consolidatedexchange ACEX TEMCoin will serve as a major means of paying for fees charged to traders at the launch of the African Consolidate Exchange (ACEX). A percentage of the transaction fees will be shared with coin holders at each snapshot. 5.1 Other features of TEMCOIN The XTEM Coin rides on the Binance Smartchain therefore its defining Characteristics are not divorced completely from the revolutionary features of the Binance Network. Operationally, the XTEM coin seeks to provide a safer and more secure digital payment in Africa. Here are further defining characteristics of XTEM: 1 Decentralization. The blockchain is an immutable distributed digital ledger that records transactions across an entire network of Computers. This means that it doesn’t have any central governing authority or a single person with monopoly of control. The XTEM coin as a product of the blockchain has these features inherent in it. 2 Fairness. The fact that smartchain uses Proof of Stake ensures a fairer and more equal mining system, more scalable transactions and less reliance on electricity. 3 Security. The Proof of Stake rules guarantee secure transactions as long as valid nodes are the majority to the attacking nodes. Binance Smartchain’s use of Proof of Stake enhances security measures. 4 Transparency. Every transaction done is publicly viewable on the smartchain. 5 Limited Supply. There will only be 500,000,000 XTEM Coins ever. 6 Exchangeability. Coin holders, merchants and agents will be able to exchange XTEM with fiat and other cryptocurrencies. 7 Tradability. The XTEM Coin will give traders the opportunity to speculate its price movements for financial gains. 8 Transferability. There will be seamless sending and receiving of XTEM from one wallet to the other. 9 Pseudo-Anonymity. Transactions will be viewable on the blockchain but not linked to any identifiable personal information.

6. TEMCoin (XTEM) allocation ICO TEM Coin will run on the Binance Smart Chain (BSC) —a blockchain that runs in parallel to the Binance Chain. BSC has high transaction speed achieving ~3 second block times with a Proof-of-Stake consensus algorithm. Transaction fees on the network are quite low when compared to other networks and these are part of the reasons we chose BSC. https://academy.binance.com/ en/articles/an-introduction-tobinance- smart-chain-bsc

7. Authorized Units There will be an absolute maximum of 500,000,000 XTEM Coins. As previously mentioned, the Team will embark on Coin buy back and burn in 2022. 7.1 ICO Schedule TEMCoin ICO will start with a Private Sale from the 28th June - 31st of July. During this period, 10,000,000 XTEM will be released for sale on a first come-first serve basis. Public Sale to commence on September 1st. TE Markets Limited through its XTEM Coin is aiming to raise $500 Million during the ICO. TEMCoin will be listed on major Crypto Exchanges during Public Sale. See roadmap for more details.

8. Fund usage The following projects will ride on the funds raised during the ICO: 8.1 Problem of polarized/ singular exchange systems. In this respect, the African Consolidated Exchange will be developed as a platform where synthetically indexed commodities, indices, stocks, Cryptocurrencies and other tradable instrument will be traded. The XTEM Coin will be the circulating medium and the native currency of the African Consolidated Exchange as fees charged to traders will be paid in XTEM. This speaks to the real intrinsic value of XTEM. This enables liquidity providers, corporate investors, private institutions and all coin holders to benefit from the resultant price appreciation. 8.2 TE Resources is an Exploration, Mining and Beneficiation Company that has a focus to partner with title holders and potentially invest to jointly investigate and exploit mineral deposits in ring-fenced transactions. The company has a vision to become the leading listed equal-opportunity company in Africa. Backed by a competent team, and state-of-the art technology, Red Planet Resources is already seeking to close two large transactions in Zambia and soon in Zimbabwe. Holders of the XTEM will soon be able to Stake their coins and receive quarterly reward/earnings through the Staking Panel of redplanetresources. com . Dividends will be paid by way of purchasing the Staked XTEM at a higher rate than originally staked. This use-case will create demand for XTEM on a call to Stake for a particular project. 8.3 TE Properties clients will soon have a unique opportunity to make secured investment in property both at home and abroad —giving returns far in excess of anything otherwise available— i.e. returns in the region of 50% per project can be reasonably expected. TE Properties was designed to provide a vehicle for members and clients of any TE Markets Group company to participate in Offshore Property Investment at any level from one thousand USD (in XTEM value) upwards. The main source of revenue shall be on the early reservation of properties on new complexes about to be released. XTEM holders will be able to diversify and exponentially grow their capital through Staking XTEM on TE Properties panels to secure an attractive return on their money. But that is not all because, as a member/client of TE Markets Group these investors may already have a tax-efficient corporate structure —such that their return will be free of capital gains and income tax. - Teprops.com 8.4 TE Micro Funding’s objective is to establish joint venture partnerships with existing microfinance players on the continent who are in the business of offering support loans to low-income individuals and businesses. The target players are those that have an active list of clients mainly from the informal sector and pursuing sustainable transformation, economic and social development across developing communities in Africa. The project’s local partner(s) will have to sell XTEM where needed in order to acquire FIAT to lend to the borrower. Similarly, XTEM will be sought to repatriate the capital plus the return thereby playing a role to the demand of XTEM. Holders of the XTEM will be able to Stake their coins and receive reward/earnings through the Staking Panel of TE Micro Funding- temicrofunding. com 8.5 The project will establish contracts with merchants in all key markets in Africa and around the world. Merchants shall have autonomous agency whereby they will earn commissions and share the spreads with TGPS. XTEM will be the main remittance currency in all TE Markets business structures. Users of the TGPS gateway will only be able to make remittances using XTEM. Merchants will also require liquidity in form of XTEM to operate a profit center but depending on the level of ranking, TGPS will step in to provide additional liquidity for settlement of transactions. 8.6 TE Capital (Pty) Ltd is a venture capital firm that has been providing venture capital to SMMEs pursuing contract from Government Departments and Municipalities, and Startups by way of establishing contract and corporate financing structures. Registered in 2005, the company has grown into a leading Venture Capital firm within the SADC region. Going forward, partners seeking venture capital will be provided capital by way of investing XTEM into identified projects. The venture will have to sell the XTEM where needed in order to acquire FIAT to materialize the given project. Similarly, XTEM will be sought to repatriate the capital plus the return thereby adding to the intrinsic value of XTEM. - Tecapital.co.za

9. Supporting Literature i. The South African Reserve Bank in its capacity as a regulator, has issued its own proposed digital cryptocurrency whose development TE Markets is following quite closely and is due to launch after 2022. ii. TE Markets has developed its in-house risk-based inspection manual that better captures and shows how risk is managed within the firm in general and also within the XTEM proposed currency in particular. iii. To ensure that its financial business, transmissions, transactions, currencies, and processes are water-tight from a risk and regulatory viewpoint, TE Markets has engaged the services of risk management experts in the field, and, ipso facto. Arising therefrom, an anti-money laundering compliance and risk management document has been developed in line with the regulatory prescriptions in South Africa to ensure KYC, and compliance

Conclusion Arising from the foregoing and given that the main objectives still remain being to originate the XTEM cryptocurrency, introduction of the XTEM cryptocurrency to the market in general and the TE Markets group’s ecosystem in particular, it is our hope that the targeted stakeholders and the market in general will seize this opportunity and invest in this potentially lucrative opportunity as outlined above.

Building the important human beings we can b

By Dr. Rosa Hilda Lora M. Advisor at AIU | rosa@aiu.edu

is very interesting a quotation from Fernando Savater from an interview they do with him in the cycle of Reflections in the Middle of the Crisis 2020, corresponding to the Editorial Board of Ethic. Fernando Savater is a Spanish philosopher and the interview in question deals with human beings and the Covid -19 pandemic we are experiencing. According to Savater: “It is as if we had to wait 21 centuries and a plague to realize that the others are important” (Savater, 2020, Reflections, Ethic) The quotation is very analytical and at the same time critical of the times we live in. Humanity has lived through wars, struggles for goods, struggles for power, but we have reached the 21st century and it seems that human beings don’t know who we are and where we are going.

Yes, we are in a highly developed society but that development is not for everyone. I have personally witnessed what Edgar Morin says, that in each north there is a south, in relation to the fact that the countries of the northern hemisphere are supposed to be the rich. Yes, I have witnessed people in countries considered very rich taking food out of garbage cans because they don’t have to eat. Also of those who live in what are called cold apartments because they don’t have heating for winter, of course they don’t have air conditioning for summer either. I have also witnessed the little attention in medical services, from countries that are known as rich and developed, to those with little wealth. Savater continues in the interview explaining the attention that governments have given to health in the pandemic. Nowadays we are witnessing the poverty in which many countries find themselves by not producing what was their livelihood. At the same time, we are seeing that the vast majority of countries are letting citizens be responsible for the situation we are experiencing.

The chilling thing is to see the governments that are emerging in some territories with worn political concepts from long time ago. It seems that the time has come for human beings to analyze what life is, what is called being a human being so that others see you as important. Our concept of being a human being, of being important to others is linked to what we think life is: Life is more than filling us with goods. Life is more than power over others. Life is more than a body full of surgeries because you have to fill a model that society proclaims. Life is more than saying I feed myself with the best that exists. Life is more than I enjoy vacationing in the most privileged places. Life is more than my house is bigger than that of others. Life is over, I have the biggest car. Life is more than wearing the most expensive clothes. So if all that society proclaims is not life, it is not being important to others. What is it to be important to others? What is it to be a human being? What then is the human life? What do we have to build to be human and be important to others? What does it mean to Fernando Savater be important to others? The human life is to have the due attention from which one is conceived. The human life is to have the opportunity to learn from when you are the convenient age to do it. Human life is to have the opportunity of training to understand the social, economic, political environment and to be able to reach resources for a dignified existence. Human life is having the necessary health assistance. The human life is to have the opportunity of a dignified job.

All of the above factors don’t occur because the others are not important. The factors mentioned are only for a few. That’s why Savater says: 21 centuries to realize that others are important. It seems that for many, the others are still not important because they protest everything in relation to the Covid-19 pandemic. They protest because you have to get vaccinated for your own health and that of others. They protest because they are asked to wear masks for their own health and that of others. They protest because they want full capacity public shows. They protest because they want to have massive parties without any care for themselves and for others. We are experiencing the reaction of our home, of our planet, to everything we do without regard for everyone’s life, without thinking that others are important.

At the moment we are experiencing the eruption of a volcano in the Canary Islands, on the island of La Palma, in Spain. The lava has already reached the sea and the very high temperature of the lava of more than 1,000 degrees Celsius together with that of 23 degrees, also on a Celsius scale, of the sea water, is killing marine life in a wide area. How long it will be? Do we think of others even in these moments? It seems that very little. We have to build ourselves as human beings so that others are truly important and it doesn't take another 21 centuries to realize that they are here. Savater spoke in 2020. What would Savater say now after a year and so much and it seems that we are going as the crabs walk, backwards. We have to work hard on building what we have to be in order for others to be important. BIBLIOGRAPHY. Savater, Fernando . (2020). Reflexiones en mitad de la Crisis, Ethic. Retrieved from: https:// ethic.es/2020/04/crisis-coronavirus-fernando-savater/

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