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Investor Presentaiton

CLIMB 19 The impact of COVID-19 will increase target market size. Current State 3-12 months Consumers living paycheck to paycheck starting to research more drastic debt solutions 12-36 months Debt snowballs and consumers seek a CP 13% unemployment and growing 68% of customers concerned about paying bills* 6.4 weeks until customers fall behind on bills and loans* Leading indicators resulting in a Consumer Proposal (CP): - Life event including: Job loss, Illness, Death of a loved one - Ability to pay bills *TransUnion Survey April 6, 2020

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