Mogo is a financial technology company that is aiming to disrupt and recreate the banking industry by offering digital financial services and products to help Canadians take control of their financial health. They provide credit products like loans and prepaid credit cards to consumers across the credit spectrum at lower rates than traditional banks. Mogo also offers features like credit score monitoring, payment reminders, and financial education programs to help consumers improve their financial fitness.

1. A digital financial brand for the
next generation of consumers.
PRESS KIT

2. 2/11
MOGO PRESS KIT
Netflix disrupted movies. Uber
disrupted taxis. Now, Mogo is
dismantling—and recreating—
banking—to offer solutions that
help Canadians take control of
their financial health.
1 in 3 millennials are open to switching banks in the next 90 days*. With
such a high lack of trust in such an old institution, the industry is ripe for
disruption. Strictly speaking, Mogo’s a financial technology company—but
it’s also so much more than that. Using design and technology, we’ve
created an experience that gives consumers a new level of convenience
and simplicity when it comes to managing their money. We offer credit to
the full spectrum of consumers—regardless of credit score—and at rates
that we believe are generally lower than the rates charged by traditional
institutions for comparable products. Not only that, we also reward our
customers with lower rates when they make their payments on time (more
on that later).
Counterintuitive? Yes. But it’s also the right thing to do—especially when
53% of millennials don’t think their bank offers anything different than
other banks*. With these industry-leading advantages, we’ve originated
over 900,000 loans and acquired more than 100,000 members.
ABOUT MOGO
*Millennial Disruption Index: http://www.millennialdisruptionindex.com/wp-content/uploads/2014/02/MDI_Final.pdf

3. 3/11
MOGO PRESS KITMOGO PRESS KIT
**Equifax Canadian Consumer
Credit Trends Q4 2014
*Save up to 93% based on comparison of MogoMini $1.53 per $100 for 14 days (AIR 39.9%) to payday loan rate at maximum provincial rate cap of $21/$100 in Ontario and save
up to 50% based on comparison of MogoZip at $10.50 per $100 for 14 days to payday loan rate at maximum provincial cap of $21/$100 in Ontario.
COMPARED TO
ALTERNATIVES
WE CAN LOWER YOUR
COST OF BORROWING BY
UP
TO
93%
*
Banks are making record profits while consumers are getting
saddled with record levels of debt. Credit cards, with their
ease of overspending, are a gateway that can lead
to various other types of debt such as payday loans and
consumer finance loans. Besides, why fill out endless bank
forms, stand in line, or take time out of your day to sit across
from a stone-faced loan officer when you could just apply
online with Mogo?
TOTAL CONSUMER
CREDIT OUTSTANDING
$1.5T
**
MORE
THAN
AVERAGE CANADIAN
PAYS 20% OR MORE
CREDIT CARD INTEREST
10M
WHY
CHOOSE
MOGO?
How to become a
MogoMember?
At Mogo, membership is a right and
not a privilege. Join the revolution
against the banks today by signing
up for free online at Mogo.ca.
AVERAGE HOUSEHOLD DEBT
EXCLUDING MORTGAGE DEBT*
$20K
**
SIMPLE APPLICATION
PROCESS
3MINS APPROVED FOR ONE OF OUR
LOAN PRODUCTS
74.6%
THE PROBLEM

4. 4/11
MOGO PRESS KIT
The Mogo Financial
Fitness Program
The average debt held by Canadians is about $20,000*—
and that’s excluding mortgages. Enter MogoLiquid. You can
borrow up to $35,000 with rates starting at 5.9%, but no
matter where you start, you can work your way to a lower
rate every year with on-time payment (unless you’re already
at the lowest rate, of course). With no prepayment penalties
and terms from one to five years, it’s designed to be the tool
consumers use to consolidate and pay off debt faster.
Every month, we’ll send you a snapshot of the progress
you’re making in paying off your MogoLiquid loan. See how
many more payments you have to make to pay off your
principal, and also see how you’re doing in your quest to
Level Up to a lower rate.
THE SOLUTION
MogoLiquid
We deliver.
To your inbox.
Finally, a cure for credit card debt.
*http://www.consumer.equifax.ca/about_equifax/newsroom/news/en_ca?newsId=93fad6af-a463-4286-aa66-3606fea52ed1

5. 5/11
MOGO PRESS KIT
Don’t qualify for
MogoLiquid? It’s okay.
You’ve got a better option at Mogo,
no matter your credit history.
According to the Canadian Payday Loan Association, approximately 2 million Canadians
turn to payday loans, which are convenient but can be expensive. MogoMini is up to 93%
cheaper than a payday loan*—you pay about $0.11/$100 per day on the amount borrowed,
up to $2,500 (39.9% AIR). It’s also better than paying $45 every time you write a cheque
that you can’t cash, plus it gives you the chance to work up to a better rate with the Level
Up program. Get money, and pay it back just as quickly.
With MogoZip, you can save up to 50% compared to payday loans—our 2-week term
rate is only half the cost of the regulated rate cap. Designed to give MogoMembers with
poor credit scores an opportunity to lower their cost of credit and help them get out of
debt sooner, MogoZip can be used for unforeseen emergencies or to avoid a bounced
cheque and the hefty bank and merchant fees attached to an NSF.
MogoMini
MogoZip
Amount: $100 to $2,500 Term: 12 months
Amount: Up to $1,500 Term: 14 to 30 days
*Save up to 93% based on comparison of MogoMini $1.53 per $100 for 14 days (AIR 39.9%) to payday loan rate at maximum provincial rate cap of $21/$100 in Ontario and save
up to 50% based on comparison of MogoZip at $10.50 per $100 for 14 days to payday loan rate at maximum provincial cap of $21/$100 in Ontario.
THE SOLUTION

6. 6/11
MOGO PRESS KIT
Level Up
Mogo’s signature socially responsible debt-relief
program, Level Up, automatically lowers interest rates for
MogoMembers with positive payment histories. Included in
all our loans, Level Up gives MogoMembers with less-than-
perfect credit a path to continually lower the cost of their
loan, even if their credit score remains unchanged. 66% of
MogoMembers have been Levelled Up to achieve either a
larger loan amount or a lower interest rate than the one they
started with. Through this very successful program, Mogo
hopes to continue helping Canadians across the country
escape the vicious cycle of payday loans and revolving
credit card debt.
Starting at 16.9%? Get to
12.9% in 12 months.
OF CURRENT
CUSTOMERS HAVE
LEVELLED UP
66%
LevelUPto
betterrates
Levelled Up after 12
months in good
standing
Levelled Up after 4 loans
with no defaults
THE SOLUTION

7. 7/11
MOGO PRESS KIT
Free credit score
100-Day Money-Back Guarantee
No prepayment fees
It pays to be informed.
We’re happy if you’re happy.
Go on, pay it off early.
56% of Canadians have never checked their credit score*. Smart borrowers (or people
who are just smart with money in general) check their credit score at least once a year to
make sure they’re getting the best rates possible, to protect themselves against identity
theft—and if you’re making a get-out-of-debt plan, wouldn’t it be nice to know where
you’re starting at? That’s why when you get a loan with Mogo, we pay for and give you
your Equifax credit score, free of charge.
Relationships take time. We totally understand. That’s why we’re giving you 100 days to
make sure that you’re 100% satisfied—wait no, happy—with Mogo. If not, we’ll gladly give
you your fees back.
Late fees, totally understandable. But being penalized for paying off a loan early? That’s
bonkers, and we don’t believe in that. That’s why we won’t charge you any prepayment
fees—just a high five, maybe.
THE SOLUTION
Every Mogo loan comes with:
*http://business.financialpost.com/personal-finance/more-than-half-of-canadians-have-never-checked-their-creditscore-bmo-report-says
With calendars that are bursting with dinners, appointments, and deadlines, it’s hard to keep
track of what is due and what needs to be done. Even if we get penalized by hefty fees for
being late with, say, a payment. Mogo understands, which is why it offers Smart Alerts to
remind customers of upcoming payments. It’s human to forget and divine to remind, right?
Something like that...
Smart Alerts
Because knowing is half the battle.

8. 8/11
MOGO PRESS KIT
MogoCard
All the benefits of a debit card
and a credit card without the
fees or interest.
Mogo will be launching our next generation MogoCard
later this year. Canada’s only free Prepaid Visa Card with
no monthly fee and multiple designs, MogoCard offers the
financial control of a debit card, without the usual banking
fees, and the purchasing convenience of a credit card
without the interest. Enabled with state-of-the-art Paywave
and Chip-and-PIN technology, MogoCard holders will be
able to choose from a selection of exclusive designs created
by a growing roster of internationally acclaimed artists.
“Easy for me to load, no fee and easy to
sign up.”
@mrcavaliere
THE SOLUTION

9. 9/11
MOGO PRESS KIT
#MogoPerks
MogoMembers receive exclusive access to street-level
giveaways, online contests, tickets to high-profile events, as
well as priority VIP access to Mogo events across the country.
Our signature cross-Canada #MogoPerks parties, including the
Mogo Presents: Adulting 101 Road Show, mixes financial literacy
with other life skills you need to know, such as wine tasting, how
to dress for any occasion and how to perfect your golf swing —
all taught by experts in their field.
#MogoPerks - Toronto Party
#MogoPerks - Italian Day Pizza Giveaway
#MogoPerks - Adulting 101
“Got Sunday-schooled by Mogo as part of
their financial education series! Big thanks
for the session!”
@workinggirlinc
THE SOLUTION

10. 10/11
MOGO PRESS KIT
Chantel Chapman is an entrepreneur, educator and Mogo’s
Financial Fitness Coach. With over a decade’s experience
as a mortgage broker, Miss Chapman recognized a need for
financial education with many of her first-time homebuyers.
She began creating custom content to help guide them.
Volunteering as a Junior Achievement teacher, she then
developed a “smart money” program to help youth and
young adults make healthy fiscal choices, eventually
teaching at-risk youth charities such as Covenant House and
The Boys Club Network. Miss Chapman is also the founder
of Holler For Your Dollar, a consulting firm that jump-starts
anyone who’s ready to dive into the world of Adulting
or entrepreneurship. Her role at Mogo puts her skills to
use creating and teaching digestible, yet educational
financial literacy content geared to millennials and daring
entrepreneurs.
Chantel Chapman
Get smart financial content from our
Financial Fitness Coach.
Mogo Blog
Who says finance can’t be both practical
and fun?
THE SOLUTION

11. 11/11
MOGO PRESS KIT
David Feller founded Mogo in 2003 and currently serves as the Company’s
Chief Executive Officer and as a member of our Board of Directors. Mr. Feller is
a pioneer in online lending and a passionate advocate of helping all consumers
improve their financial health regardless of their financial position. Mr. Feller is a
former member of the Young Entrepreneurs Organization (YEO) of Canada and is
a graduate of the University of Western Ontario with a Bachelor of Arts degree.
Mr. Feller’s experience leading the business over the past 12 years, along with his
responsibilities for the strategic direction, product innovation and management
of Mogo’s day-to-day operations, bring broad industry and specific institutional
knowledge and experience to the Board of Directors.
Gregory Feller is a co-founder of Mogo and has served as the Company’s
Chief Financial Officer since August 2011, and has served as a member of our
Board of Directors and President of the Company since April 2015. Prior to his
appointment, Mr. Feller was a Managing Director and Co-Head of
the Technology Investment Banking Group at Citadel Securities, a financial
services group. From 2008 to 2010, Mr. Feller was a Managing Director at UBS
Investment Bank, a global financial institution. Prior to joining UBS, Mr. Feller
was a Managing Director with Lehman Brothers from 2001 to 2008 and a Vice
President at Goldman Sachs & Co. from 1998 to 2000. Mr. Feller has a Bachelor
of Administrative and Commercial Studies from the University of Western Ontario
and a Masters of Management from the Kellogg School of Management at
Northwestern University, where he graduated Beta Gamma Sigma.
David Feller
Founder, Chief Executive Officer and Director
Greg Feller
President, Chief Financial Officer and Director
Zinc Strategies
For all media inquiries, please contact:
Marci Hotsenpiller
+1 (250) 650 6524
marci@zincpr.com
WHO IS MOGO