This presentation was given to an internal audience at OurCrowd, one of the leading equity crowdfunding platforms. The Internet and social media have ushered in a new way for people to better research and mimic successful investing strategies. This presentation talks about the pivotal influences that have changed the playing field for investors -- new tools and technologies have made investors smarter and are empowering better decision making.

1. T H E H I S T O RY O F
O N L I N E I N V E S T I N G
T H E F U T U R E : S O C I A L , T E C H N O L O G Y, A N D F I N A C E
Zack Miller, OurCrowd

2. H O W W E U S E D T O I N V E S T
B R O K E R A G E , C O M M I S S I O N - T R A D I N G , A N D A S Y M M E T RY O F I N F O R M A T I O N

3. E N T E R
S C H WA B .
• Circa. 1971
• Fees go down
• DIY goes up

4. R E G U L AT I O N
FA I R
D I S C L O S U R E
( R E G F D )
T H E P L A Y I N G F I E L D I S
L E V E L L E D I N 2 0 0 0

5. H I G H N E T W O R T H I N V E S T O R S
T U R N T O T H E I N T E R N E T

6. T H E D ATA S P E A K
F O R T H E M S E LV E S
• 41% of HNW investors seek out investment information from
the Internet
• Investors are online, using tools, and experimenting with new
platforms

7. W E A LT H F R O N T S U R PA S S E S $ 1 B I N
A U M
N E X T G E N O N L I N E A D V I S O R S S TA R T I N G T O B R E A K O U T

8. I N V E S T O R S A R E
F I N D I N G N E W
A S S E T C L A S S E S
• In 2014, Lending Club
surpassed $4 billion in
total peer to peer loan
underwritings (4x 2012’s
numbers)

9. I N V E S T O R S A R E C R O W D S O U R C I N G
M O R E A C C U R AT E F I N A N C I A L E S T I M AT E S
W H E R E ’ S WA L L S T R E E T ?

10. B U T, T H E R E A R E S T I L L C H A L L E N G E S
F O R T H E “ N E W ” F I N A N C I A L
I N D U S T RY

11. F I N A N C E I S T H E L E A S T T R U S T E D O F
A L L I N D U S T R I E S
A C C O R D I N G T O T H E Y E A R LY E D E L S T E I N T R U S T B A R O M E T E R S T U D Y …

12. I N V E S T O R S A R E R E S P O N D I N G B Y
PA R T I C I PAT I N G I N D E M O C R AT I C
I N V E S T M E N T P L AT F O R M S

13. O R , I N O T H E R W O R D S …

14. C R O W D F U N D I N G
I S / W I L L B E
H U G E

15. C R O W D F U N D I N G W I L L B E C O M E A
D E FA C T O WAY F O R P E O P L E T O I N V E S T
G R O W I N G I N S A N E LY, C R O W D F U N D I N G I S S T I L L E A R LY D A Y S …

16. A N D
C R O W D F U N D I N G
W I L L B E G L O B A L

17. Q U E S T I O N S ?