1. A Crowdfunding Platform for Home Mortgages “We want to do to large banks and Wall Street what Google is doing to newspapers”

3. IT team based in Sydney, Australia - 2 engineers

4. Project commenced Feb 2010

7. Brand damage for large banks and Wall Street + new rules

8. For retail savers pension returns low, CD rates below 1%

9. Mortgage rates heading for 5%

10. Wall Street intermediaries take 2-3%

11. Disintermediation could double investor returns

14. Better rates for home borrowers

15. Higher margins and more funding for small banks

17. Ryan Lea & David Jones -Lead Engineers - FX trading platforms; derivatives quant engineering; investor web platforms- at Salomon Smith Barney, Comm Bank, Macquarie Bank, Norwich Union

18. Robert Broeksmit-US Banking Adviser - President COO Chevy Chase Bank 1997-2010; former chair Mortgage Bankers Assoc.; testified to US Senate on banking matters

20. Confirmed availability of a GSE guarantee

21. BNY Mellon agreement in principle - trustee bank

22. Fidelity Title agreement in principle - title transfers

24. Integrate with SM platforms to promote referrals

25. Capitalise on younger demographics’ preference for peer advice over traditional institutions

26. PR

27. Showcase better rates / returns for all parties

28. Government guaranteed products available

29. Anti- bank / anti-Wall Street messages

30. excessive margins

31. high executive bonuses

33. Further $1.5m required for 2012 launch marketing

34. Further $4.5m required to breakeven 2-3 years

35. Post-valution on July round - $4.6m

36. Est Yr 5 revenue $20m | EBIT $12m | EBIT Mgn 62%

37. Est 5 yr IRR 88% | Payback 34x | Yr 5 valuation $240m