1. “…It is the ability to control
capital that gives people the
power to rise…” Muhammad Yunus

2. A Modern Banking Relationship
 Smart account
 Nudge interactions
 Real relationship
Automatic budgeting
Integrated savings
Cultivate proactivity
Adapts to the user
Daily guidance
Encourages choices
Account consolidation
Level up
Exploration interface
We make it
F#&%ing Easy

3. Fast and Loose Definitions
What’s the difference between….
 a checking account?
 a prepaid card account?
 a savings account?
 Deposit
 Direct deposit
 Photo deposit
 ATM deposit
 Spend
 Debit card
 Online
 ATM
 Save
 Automatic
 Reoccurring
 Protected
This is the a spending account
 It’s intelligent
 It’s interactive
 It has no penalty fees
 It’s for everyone

4.  31 million 18-24; plus 4 million each year
 83% own smart phones*
 54% use mobile banking*
 67% desire financial knowledge*
 #1 Spending choice: Debit Cards**
Growing Market: Millennials
*2013 Visa “The Millennial Market”
**2014 National Survey of Millennial spending habits

5. Reaching our Market
 Educate and entertain – Build community
 Take it to the people
 Try before you buy
 Rapid feedback
 Habit formation

6. Prepaid is a proven financial model.
Success factors:
 Life span
 Cost of acquisition
Added value:
 Relationship software
 Life integration

7. Other Players
• Skin on a checking account
• Great design
• Older target market
• Sold to BBVA for $117 million
Simple
• Touchless payment system
• Higher target market (credit check)
• Going international
• Raised $8 million – July
Moven
• Owned by Green Dot (NYSE: GDOT)
• Target market unbanked
• No account integration
• No millennial marketing
GoBank

8. “Start with the end in mind.”
Enter a new market – Square
 Evenly – [Undisclosed]
 View Finder – [Undisclosed]
 80/20 - $200 Million
Acquire competition / functionality – Intuit
 Mint - $170 Million
 Check - $360 Million
 GoodApril - $20 Million
Acquire technology – Major Bank
 BBVA - Simple.com - $117 Million
Acquires Exit in 3-5 years
$80–100 million
10–20X ROI

9. Investment Opportunity
What we need:
 Top notch advisors
 Quality board members
 $1.7 Million for:
 Accelerated development
 Deposit to secure cards
 Professional marketing
What we’re offering:
 20% ownership stake
 Total access to leadership
 A role in changing the banking
industry

10. Risks & Response
Large player takes control of
the market
1. Expands market
2. We’re for sale
3. Out innovate
Regulatory restrictions:
Higher scrutiny
Fee caps
1. Aligned with CFPB & FDIC
2. Transparent, flexible, responsive
3. Low cost structure
Innovative competition or
technology changes
1. Offer new products
2. Flexible, responsive platform
3. Enter new market
Changing consumer tastes
1. Direct market feedback
2. Short development cycle
3. Enter new market

11. Our Team
 Matt Hubbard – CEO & Founder – Brings 20 years of experience in
electronic payment systems for some of the world’s largest banks. This
is his third startup, and the one he is best prepared for.
 Tom Bolger – Cofounder – Brings 20 years of experience in banking
technology, with focus on risk and compliance. This is his second
startup and also completed a successful IPO.
 Bryce Leonard – Customer Advocacy – Brings extensive experience
with interface design and client advocacy. He comes to us from a
successful exit at Glad to Have You.

12. Thank you
“The poor are poor not because they are untrained or illiterate. They have no
control over their capital, and it is the ability to control capital that gives people the
power to rise out of poverty.” -- Muhammad Yunus
Questions?