Intellestate 2014 - Confidential 1

Intellestate Pitch Deck

November 2014

Intellestate 2014 - Confidential 2

Intellestate is an online database for mortgage rates. Intellestate and the related Facebook app leverages consumers’ existing social networks to build organic growth and information credibility.

Intellestate 2014 - Confidential 3

Mortgage information where people are spending more time.

Source: Neisen NetView February 2014

Rank Website Unique Audience

Time Per Person

(hh:mm:ss)

1 Google 154,351,000 2:03:42

2 Facebook 119,885,000 8:01:11

Intellestate 2014 - Confidential 4

Intellestate.com

- Mortgage Rates - Home Equity Rates - Deposit Rates

Intellestate connects with the major social sites APIs

Login with LinkedinPost to user feed

Consumers tweet ratesAdvertisers tweet rates

Login with FacebookPost a custom story

Login with Google+

Intellestate 2014 - Confidential 5

Posts to users news feeds

Intellestate 2014 - Confidential 6

Competition

Mkt. Cap $ 1.8B

Mkt. Cap $ 4.9B

Mkt. Cap $ 292M

as of 6/15/2014

Intellestate 2014 - Confidential 7

Facebook app for deeper integration

Intellestate 2014 - Confidential 8

Thesis: Social sites will build better predictive models of consumer behavior

• By focusing ad spending on these sites, Intellestate will deliver better quality leads

• Users who have logged in with their social credentials will see other users in their network.

Intellestate 2014 - Confidential 9

Financials($ in thousands)

FY0 FY1 FY2 FY3

Revenue $ 139.6 $ 1,665.2 $ 2,877.6

EBIT $ (237) $ 830.0 $ 1,678.6

Capital $ 500 $ 262.5 $ 860.5 $ 2,005.6

Operating Margin N/A 49.8% 58.3%

Intellestate 2014 - Confidential 10

Appeal to advertisers

• Existing sites have become a necessary evil• Loan acquisition cost has become excessive.• Lenders don’t have the ability to increase

margins in such a transparent arena• Click fraud is poorly policed. Major sites have

no real incentive to.

Intellestate 2014 - Confidential 11

Pricing strategy

• Flat fee per state per product• Rolling six month contracts• Advertisers can rationalize their ROI

Intellestate 2014 - Confidential 12

Ad spendingTraffic Acquisition

57.9% 52.6% 32.8% 31.9% 19.6% 9.4%

2013 2012 2013 2012 2013 2012

Intellestate planned ad spending: 30%

Intellestate 2014 - Confidential 13

Year 1• Attracting advertisers, re-investing in the site• Bargain pricing• Capital spending on technology infrastructure

Year 2• Continued growth in advertisers until a full complement

is reached• Continued re-investment • Modest pricing increases Year 3 • Exercise pricing power

Plan

Intellestate 2014 - Confidential 14

Team

Brad Norris, Managing Director– 25 years mortgage marketing experience– Chartered Financial Analyst (CFA)

Intellestate 2014 - Confidential 15

Investment

$500,000

Use of proceeds• Traffic acquisition• Hire CIO/Insource technology• API enhancements• Founder Salaries

Intellestate 2014 - Confidential 16

Join us @

www.intellestate.com

https://apps.facebook.com/mortgage_rate