FluidFi offers a 0% interest credit product for university students to help educate millions on financial literacy. Their mobile app works with US universities, banks, and credit bureaus to allow students without credit to build it up. They collect extensive data on users through their app and partnerships to power AI algorithms for credit decisions, advertising, and insights into Generation Z spending behaviors. FluidFi is raising $5 million in convertible notes and $20 million in debt facilities to expand their platform to more states and universities and invest in their technology and marketing.

1. www.FluidFi.com

2. 2017- PAGE 1
25 MILLION UNIVERSITY STUDENTS IN U.S.
DOES NOT HAVE A WAY TO BUILD CREDIT
4.5 MILLION FRESHMEN IN U.S. ANNUALLY
AROUND THE WORLD 200 MILLION COLLEGE
STUDENTS DON’T HAVE
ACCESS TO CREDIT OR FINANCIAL EDUCATION
THE PROBLEM

3. 2017- PAGE 1
FLUID OFFERS 0% INTEREST CREDIT PRODUCT
TO EDUCATE MILLIONS OF STUDENTS
ON FINANCIAL LITERACY
OUR MOBILE APP WORKS WITH
U.S. UNIVERSITIES, BANKS & CREDIT BUREAUS
THE SOLUTION

4. FLUID CREDIT
• LOW COST
• BUILDING CREDIT
• PARENT FRIENDLY
• MOBILE CENTRIC
• A.I. ALGORITHMS MINING MASSIVE
AMOUNT OF FINANCIAL DATA
• ALREADY AMASSED THOUSANDS OF
DOWNLOADS AND MILLIONS ROWS OF
BANKING DATA
2017- PAGE 1
29% CREDIT CARDS
• COMPOUNDING INTEREST
• HIGH LATE FEES
• ILLEGAL TO MARKET
• LACK OF MOBILE
• LACK OF TRANSPARENCY
• PLASTIC CARD DOESN’T
COLLECT DATA
700% APR
• HURTS STUDENTS AND
FAMILIES
• INABILITY TO PAY BACK
• CURRENT GOTO PRODUCT
• PRIVACY ISSUES
• VILIFIED AND ILLEGAL
WE ARE THE CLEAR CHOICE FOR STUDENTS

5. 2017- PAGE 1
EVERYTHING WE DO REVOLVES AROUND CREDIT
75+ MILLION GENERATION Zs IN U.S
1 IN 3 PEOPLE IN THE WORLD
GENERATION Zs: Born between 1996 to 2007 (Age 7 to 21)
WORLD WIDE OPPORTUNITY

6. BANKING AND CREDIT DATA
• BANK TRANSACTIONS
• CREDIT CARD SPENDING
• CREDIT SCORE/REPORT
2017- PAGE 1
USER PROVIDED
DATA
• WHERE THEY GOTO
SCHOOL
• WHY THEY NEED THE
MONEY
• EMAIL, PHONE, ADDRESS
1st PARTY MOBILE
COOKIE
• MOBILE#, CITY
• LOCATION DATA: WIFI, GPS,
TOWER, VELOCITIES
• BATTERY, O/S
• SONG / CONTACT COUNT
• CALL LOG
• SMS / DATA USAGE
• FRAUD/MALWARE
• ACCELEROMETOR
• LAST POWER UP
• JAILBREAK
FLUID BUSINESS MODEL - DATA AGGREGATION

7. A.I. DRIVEN ADTECH
• PURCHASE BEHAVIOR
• PURCHASE POWER
• LOYALTY AND BRAND AWARENESS
• COHORT / GROUP ADVERTISING
2017- PAGE 1
SOCIAL FABRIC
• P2P MOBILE BASED
NETWORK
• PEER INFLUENCE
• UNIVERSITY SOCIAL
NETWORK
MOBILE DRIVEN
ADTECH
• MOBILE VELOCITY
• INSURANCE
• BIKE SHARING
• BATTERY LIFE
• ACTIVE VS. STAGINATE
• LIFESTYLE PRODUCTS
• SONG / CONTACT COUNT
• SOCIAL AWARENESS
• ENTERTAINMENT
• INFLEUNCER
• SMS / DATA USAGE
• ENTERTAINMENT
CONSUMPTION
• ACCELEROMETOR
• HIGH RISE LIVING
FLUID BUSINESS MODEL - A.I.
FINANCIAL/SPENDING BEHAVIOR

8. FINANCIA
L DATA
2017- PAGE 1
SOCIAL
FABRIC
MOBILITY
CONNECT FINTECH + ADTECH INTO SINGLE
PLATFORM

9. 2017- PAGE 1
HOW IT WORKS

10. 2017- PAGE 1
FLUID MODEL: FUN & MEANINGFUL
INTERACTIONS

11. 2017- PAGE 1
FLUID MODEL: DELIVER MEANINGFUL
ADVERTISMENT

12. 2017- PAGE 1
TEAM
NICOLE HOUSTON
President, COO
• LoanDepot, CashCall
• Managed over 200 lending
• UC Irvine, Six Sigma Blackbelt
Alexandria Degree
Chief Compliance Officer
• LoanDepot, ForwardLine
• SquareTwo, PacTrust Bank
• MBA, Cardinal Stritch University
TIMOTHY LI
Founder & CEO
• LoanDepot, RealtyMogul
• Launched various Lending Platforms
• Harvard, University of Southern
California

13. 2017- PAGE 1
ADVISORS
JIM REDMOND
CITI, BANK OF AMERICA
PROSPER, KABBAGE, CIRCLEUP
ERIC BUNTING
FINTECH & ADTECH INVESTOR
• Funding Circle, Kabbage, YapStone
AMY WAN
GENERAL COUNSEL - PATCH OF LAND
• FinTech, Crowdfunding Lawyer
• U.S. Department of Commerce
MARK ACCHIONE
CHIEF INVESTMENT OFFICER -
ROCKETLOANS
• VP, Capital Markets - Quicken Loans
• VP, One Reverse Mortgage
OZER ELBEYLI
CHIEF RISK OFFICER - LOAN NOW
• Executive Director at Commonwealth Bank
• Springleaf, BarclayCard US, JPMorgan
Chase
COLIN DARKE
CHIEF COMPLIANCE OFFICER / GENERAL
COUNSEL - ROCKETLOANS
• VP/Associate General Counsel - Flagstar Bank, FSB
• Associate - Bodman PLC

14. 2017- PAGE 1
UNVIERSITY TEAM & A.I.
University Advocates
6 Person TeamHighly Trained Team
• High trained and complaint
• Worked at various lending orgs
• Prior working relationships with the funding team
A.I Algorithm Team
10 Statisticians, Computer Scientists
• Ph.D and Masters Degreed Engineers
• Decades of experience with consumer lending data
• Prior working relationship with founders

15. 2017- PAGE 1
WHAT OTHERS ARE SAYING
“FLUID APP ALLOWS STUDENTS
TO BORROW MONEY INTEREST
FREE NOW LIVE ON ITUNES” - JUNE
2017
“FLUID OFFERS 0% INTEREST
“SOCIAL CREDIT” IN NEW TWIST
FOR ONLINE LENDING” - DEC 2016
www.crowfundinsider.com
“ONLINE LENDER
CULTIVATES CAMPUSES” -
DEC 2016
www.abalert.com

16. 2017- PAGE 1
WE ARE LOOKING FOR $5MM USD CONVERTIBLE
NOTE EQUITY AND $20MM IN DEBT FACILITY
EQUITY RAISE ALLOCATION
50% - TECHNOLOGY AND A.I. ALGORITHMS
30% MARKETING AND BUSINESS DEV
20% LEGAL AND COMPLIANCE
OUR ASK?

17. 2017- PAGE 1
Special Event
Announcement
“FLUID EXPANDS INTO 32 STATES” - JULY 16th 2017

18. 2017- PAGE 1
THANK YOU LANG DI FINTECH!
WECHAT: THEBITTERSEA
WEB: WWW.FLUIDFI.COM
MOBILE: 614.209.9894
SKYPE: THEBITTERSEA
EMAIL: TIMOTHY.LI@FLUIDFI.COM
EXPERIENCE FLUID APP:
https://itunes.apple.com/us/app/fluid-
app/id1157853544?mt=8