Monedize.comThe Kayak of Crowdfunding

Market Overview

• In the last 5 Years, Peer to Peer Lending has seen tremendous growth

• Kickstarter with over 16M monthly views• P2P Leader Lending Club originating over

$34M+ per month, Prosper $10M+• Over $10T in Assets held by top ten banks in

the U.S., huge growth opportunity

Legal Overview

• President Obama signs JOBS Act 4/5/12• Individuals can invest the greater of 5% of

annual income or $2,000 through crowdfunding websites

• SEC to begin regulation in 2013

Why P2P Lending?

• Avoid Big Banks and Wall Street• Invest in people you know and take charge of

your money• Helping the community when banks and other

lenders will not• Make more money by taking out the

middleman

Why Invest in P2P Lenders?

• Returns much greater than CDs or Bonds (11% versus 3 or 4%)

• Start with as little as $50 or $100• Choose your preferred level of risk• Investments of all types (artistic,

entrepreneurial, donation-based, etc.)

Value Proposition

• Silos of P2P and Crowdfunding websites make it confusing for an investor

• No Current Aggregator available for the average investor

• The Kayak of Crowdfunding, adding value for individual sites and for individual investor

Minimum Viable Product

• Website with information updated daily from at least 2-3 websites (Kiva, Prosper, etc.)

• Completely free for user, charge website 0.5%• If 1% of population reached and accesses 10

times a month, 400k hits• $1k/year server maintenance & website dev

(initial costs)• Equity payment until Month 6, combination

thereafter and for new hires

Current Market Leaders

Company Website Market Pageviews/Month

Indiegogo www.indiegogo.com Artists 4,228,590

Kickstarter www.kickstarter.com Entrepreneurs 16,533,060

Kiva www.kiva.org Charity 5,669,130

Lending Club www.lendingclub.com Public 869,670

Prosper www.prosper.com Public 1,336,260

Zopa www.zopa.co.uk Public 518,490

Marketing Strategy

• Advertisements on LendingClub, Prosper, Kiva, Crowdfunder, etc.

• Social media - Twitter and Facebook• Inbound marketing – Blog, monthly ebook• Promotion at 2-3 yearly Crowdfunding

conferences

Financials

• Break-even in less than 6 months• Ramp up to month end 1MM page views per

month (conservative estimate)0 1 2 3 4 5 6 7 8 9 10 11 12

Display Revenue $0 $1 $3 $13 $51 $205 $819 $1,019 $1,219 $1,419 $1,619 $1,819 $2,019Affiliate Revenue $0 $45 $180 $720 $2,880 $11,520 $46,080 $57,330 $68,580 $79,830 $91,080 $102,330 $113,580

Total Ad Revenue $0 $46 $183 $733 $2,931 $11,725 $46,899 $58,349 $69,799 $81,249 $92,699 $104,149 $115,599Website Registration $1 $1 $1 $1 $1 $1 $1 $1 $1 $1 $1 $1 $1Hosting $40 $40 $40 $40 $40 $40 $40 $80 $80 $80 $80 $80 $80Salaries & Benefits $6,000 $6,000 $6,000 $6,000 $6,000 $6,000 $6,000 $12,000 $12,000 $12,000 $16,000 $16,000 $16,000

Total Expenses $6,041 $6,041 $6,041 $6,041 $6,041 $6,041 $6,041 $12,081 $12,081 $12,081 $16,081 $16,081 $16,081NI -$6,041 -$5,995 -$5,858 -$5,308 -$3,110 $5,684 $40,858 $46,268 $57,718 $69,168 $76,618 $88,068 $99,518Cum Net Worth -$6,041 -$12,036 -$17,894 -$23,202 -$26,312 -$20,628 $20,230 $66,498 $124,216 $193,385 $270,003 $358,071 $457,589

Advertising – Display Only

Month0 1 2 3 4 5 6 7 8 9 10 11 12

Ad Type Measure Site Site Site Site Site Site Site Site Site Site Site Site Site  Pages served 0 200 800 3,200 12,800 51,200 204,800 254,800 304,800 354,800 404,800 454,800 504,800Display Advertising CPM (Cost Per Thousand) $10.00 $10.00 $10.00 $10.00 $10.00 $10.00 $10.00 $10.00 $10.00 $10.00 $10.00 $10.00 $10.00  % Inventory Served 20.00% 20.00% 20.00% 20.00% 20.00% 20.00% 20.00% 20.00% 20.00% 20.00% 20.00% 20.00% 20.00%  Avg. Clickthrough (CTR %) 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10%  Ad units served per page 2 2 2 2 2 2 2 2 2 2 2 2 2  Clicks – CPM ads 0 100 200 400 800 1600 3200 3600 4000 4400 4800 5200 5600  Revenue – display ads $0.00 $0.80 $3.20 $12.80 $51.20 $204.80 $819.20 $1,019.20 $1,219.20 $1,419.20 $1,619.20 $1,819.20 $2,019.20  Earnings per 100 clicks (EPC) 0 $0.80 $1.60 $3.20 $6.40 $12.80 $25.60 $28.31 $30.48 $32.25 $33.73 $34.98 $36.06  eCPM – display ads $0.00 $0.00 $0.00 $0.01 $0.05 $0.20 $0.82 $1.02 $1.22 $1.42 $1.62 $1.82 $2.02Fixed Run-of-Site Sponsorship % Inventory Served 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%  Avg. Clickthrough (CTR %) 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30%  Ad units served 1 1 1 1 1 1 1 1 1 1 1 1 1 1  Clicks – fixed 0 0 0 0 0 0 0 0 0 0 0 0 0  Revenue – fixed sponsorship* $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00  Earnings per 100 clicks (EPC) $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00  eCPM – fixed $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00Text ad advertising (CPC) % Inventory Served 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%  Avg. Clickthrough (CTR %) 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00%  Avg. Cost Per Click $0.30 $0.30 $0.30 $0.30 $0.30 $0.30 $0.30 $0.30 $0.30 $0.30 $0.30 $0.30 $0.30  Ad units served per page 1 1 1 1 1 1 1 1 1 1 1 1 1  Clicks – CPC ads 0 0 0 0 0 0 0 0 0 0 0 0 0  Revenue – CPC ads $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00  Earnings per 100 clicks (EPC) $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00  eCPM – CPC ads $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00Affiliates Commission (and PPV)% Inventory Served 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%  Avg. Clickthrough (CTR %) 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50%  Ad units served per page 1 1 1 1 1 1 1 1 1 1 1 1 1  Clicks – Affiliates 0 0 0 0 0 0 0 0 0 0 0 0 0  Destination conversion rate (%) 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00%  Average order value $100.00 $100.00 $100.00 $100.00 $100.00 $100.00 $100.00 $100.00 $100.00 $100.00 $100.00 $100.00 $100.00  Commission % 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00% 10.00%  Revenue – affiliates $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00  Earnings per 100 clicks (EPC) $30.00 $30.00 $30.00 $30.00 $30.00 $30.00 $30.00 $30.00 $30.00 $30.00 $30.00 $30.00 $30.00  eCPM – affiliates $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00Overall metrics for site Clicks – Total 0 100 200 400 800 1600 3200 3600 4000 4400 4800 5200 5600  Revenue – Total $0.00 $0.80 $3.20 $12.80 $51.20 $204.80 $819.20 $1,019.20 $1,219.20 $1,419.20 $1,619.20 $1,819.20 $2,019.20

 Earnings per 100 clicks (EPC) – Total $0.00 $0.80 $1.60 $3.20 $6.40 $12.80 $25.60 $28.31 $30.48 $32.25 $33.73 $34.98 $36.06

  eCPM – Total $0.00 $0.00 $0.00 $0.01 $0.05 $0.20 $0.82 $1.02 $1.22 $1.42 $1.62 $1.82 $2.02

Advertising – Display & Affiliates

Month0 1 2 3 4 5 6 7 8 9 10 11 12

Ad Type Measure Site Site Site Site Site Site Site Site Site Site Site Site Site  Pages served 0 200 800 3,200 12,800 51,200 204,800 254,800 304,800 354,800 404,800 454,800 504,800Display Advertising CPM (Cost Per Thousand) $10.00 $10.00 $10.00 $10.00 $10.00 $10.00 $10.00 $10.00 $10.00 $10.00 $10.00 $10.00 $10.00  % Inventory Served 20.00% 20.00% 20.00% 20.00% 20.00% 20.00% 20.00% 20.00% 20.00% 20.00% 20.00% 20.00% 20.00%  Avg. Clickthrough (CTR %) 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10% 0.10%  Ad units served per page 2 2 2 2 2 2 2 2 2 2 2 2 2  Clicks – CPM ads 0 100 200 400 800 1600 3200 3600 4000 4400 4800 5200 5600  Revenue – display ads $0.00 $0.80 $3.20 $12.80 $51.20 $204.80 $819.20 $1,019.20 $1,219.20 $1,419.20 $1,619.20 $1,819.20 $2,019.20  Earnings per 100 clicks (EPC) 0 $0.80 $1.60 $3.20 $6.40 $12.80 $25.60 $28.31 $30.48 $32.25 $33.73 $34.98 $36.06  eCPM – display ads $0.00 $0.00 $0.00 $0.01 $0.05 $0.20 $0.82 $1.02 $1.22 $1.42 $1.62 $1.82 $2.02Fixed Run-of-Site Sponsorship % Inventory Served 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%  Avg. Clickthrough (CTR %) 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30% 0.30%  Ad units served 1 1 1 1 1 1 1 1 1 1 1 1 1 1  Clicks – fixed 0 0 0 0 0 0 0 0 0 0 0 0 0  Revenue – fixed sponsorship* $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00  Earnings per 100 clicks (EPC) $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00  eCPM – fixed $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00Text ad advertising (CPC) % Inventory Served 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%  Avg. Clickthrough (CTR %) 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00%  Avg. Cost Per Click $0.30 $0.30 $0.30 $0.30 $0.30 $0.30 $0.30 $0.30 $0.30 $0.30 $0.30 $0.30 $0.30  Ad units served per page 1 1 1 1 1 1 1 1 1 1 1 1 1  Clicks – CPC ads 0 0 0 0 0 0 0 0 0 0 0 0 0  Revenue – CPC ads $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00  Earnings per 100 clicks (EPC) $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00  eCPM – CPC ads $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00Affiliates Commission (and PPV)% Inventory Served 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%  Avg. Clickthrough (CTR %) 20.00% 20.00% 20.00% 20.00% 20.00% 20.00% 20.00% 20.00% 20.00% 20.00% 20.00% 20.00% 20.00%  Ad units served per page 1 1 1 1 1 1 1 1 1 1 1 1 1  Clicks – Affiliates 0 100 400 1600 6400 25600 102400 127400 152400 177400 202400 227400 252400  Destination conversion rate (%) 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00%  Average order value $3,000.00 $3,000.00 $3,000.00 $3,000.00 $3,000.00 $3,000.00 $3,000.00 $3,000.00 $3,000.00 $3,000.00 $3,000.00 $3,000.00 $3,000.00  Commission % 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50% 0.50%  Revenue – affiliates $0.00 $45.00 $180.00 $720.00 $2,880.00 $11,520.00 $46,080.00 $57,330.00 $68,580.00 $79,830.00 $91,080.00 $102,330.00 $113,580.00  Earnings per 100 clicks (EPC) $45.00 $45.00 $45.00 $45.00 $45.00 $45.00 $45.00 $45.00 $45.00 $45.00 $45.00 $45.00 $45.00  eCPM – affiliates $0.00 $0.05 $0.18 $0.72 $2.88 $11.52 $46.08 $57.33 $68.58 $79.83 $91.08 $102.33 $113.58Overall metrics for site Clicks – Total 0 200 600 2000 7200 27200 105600 131000 156400 181800 207200 232600 258000  Revenue – Total $0.00 $45.80 $183.20 $732.80 $2,931.20 $11,724.80 $46,899.20 $58,349.20 $69,799.20 $81,249.20 $92,699.20 $104,149.20 $115,599.20

 Earnings per 100 clicks (EPC) – Total $0.00 $22.90 $30.53 $36.64 $40.71 $43.11 $44.41 $44.54 $44.63 $44.69 $44.74 $44.78 $44.81

  eCPM – Total $0.00 $0.05 $0.18 $0.73 $2.93 $11.72 $46.90 $58.35 $69.80 $81.25 $92.70 $104.15 $115.60