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Investor Presentaiton

CLIMB 14 Our core product: The forced-savings loan. 1 3 This product is a forced-savings plan papered up like a loan 2 Only when they've paid us the full principal amount do we give them the 4 cash Customers pay us a determined amount every month, as though they're paying off a loan, but we do not advance any principal Meanwhile, the payments are reported to credit bureaus and the customer's score improves

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