Investor Presentaiton

CLIMB 16 Targeted loan for those in consumer proposal. Total Debt $50,000 $60,000 $50,000 Proposal filling $15,000 $40,000 Monthly Consumer Proposal payments over 60 months = $250 $30,000 Climb Savings Loan amount = = $20,000 one-year payments = $3,000 Sample Savings & Repayment Schedule Monthly payment - $79.62* After 48 months, principle is returned to customer for a lump sum payment to complete proposal Average consumer will have built a nest egg of ~6 months of CP payments within 20 months of signup $10,000 $0 CP Year Year start 1 2 Year 3 Year Year 4 5 Standard CP Repayment -Accelerated CP Climb Savings Loan *$3000+$200 fee, 8.99%, 48 months

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