Investor Presentaiton

CLIMB 18 Consumers with credit want to borrow and buy. Our customers do not leave our ecosystem once their credit is fixed. Because we invest heavily in customer relations and branding, we will be able to earn fees and commissions recommending and selling them products. Credit card issuers, mortgage lenders, financing firms, insurance providers pay to acquire quality customers (those who come with good credit and cash in the bank). E.g: auto lenders pay as much as $250 for a quality lead. We estimate that our referral revenues will ultimately exceed our loan-book interest, and we may in time launch our own products such as secured credit cards.

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