The Advantages of Having a Non-Retirement Account

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1 A Revolution in Asset Building

2 About Us: Gratio Capital History Founded in late 2006 Rimmy Malhotra CEO, formerly at $350mm hedge fund Yaron Ben-Zvi COO, deep startup experience most recently with Nielsen Online Headquartered in New York City Registered Investment Advisor (RIA) with SEC since early 2007 Business SEC Registered Advisor providing asset management, compliance, and capital markets expertise for regulated securities products Structuring and management of 1940 Act Investment companies (mutual funds) Managing a mutual fund (GRVLX) rated #1 in The Wall Street Journal of 786 small cap core funds Focused on launching the first family of mutual funds for the underserved and making the gifting of mutual funds possible and practical

3 % of U.S. families that own mutual funds in non-retirement accounts? 11 % (6% for non-white)

4 % of U.S. families that own mutual funds in retirement accounts? 53 % (39% for non-white)

5 Why have retirement accounts been relatively successful when other asset building programs have not?

6 The Barriers in Asset Building Products Traditional financial services and asset management products exclude millions of people due to multiple barriers Exclusive: Account minimums for mutual funds usually start at $2,500 Retirement accounts lower these or 401k plans have no minimum through employers Scary: Financial jargon can be intimidating and seem irrelevant to everyday life 47% of Americans who invest their money find the process confusing.** 401k plans have people that help you navigate the jargon. Difficult to Use: Funds and brokerages assume existing banking relationships Contributing and withdrawing funds becomes difficult without traditional bank accounts. 401k plans remove contributions from paychecks. Difficult to Find: Traditional fund distribution channels don t reach the underserved Utilization of brokers or financial advisors isn't common. 401k plans find you through the employer.

7 The Evolution of Investment Distribution in the US Customer Segment High Net Worth Upper Middle Class Distribution Channel Wirehouses Discount Brokers Financial Planners & Advisers Online Brokers Employers Financial Planners & Advisers Online Brokers Employers Mainstream Online Brokers Employers Underserved Employers The existing distribution channels have not done a good job at expanding access. Only employers do a good job of reaching mainstream and underserved customers.

8 Competitive Landscape: Overview There are few to no viable asset building products currently available to underserved consumers Affluent Consumers Short Term Savings Money Market Brokerage Online Savings Accounts SmartyPig Credit Unions Banks ING Individual Development Accounts (IDASs) Fidelity UPromise K GoalMine Charles Schwab Morgan Stanley Long Term Asset Building Our target consumer is generally assumed to be unprofitable with regard to sophisticated financial products To date, most asset building products targeted to our demographic are for shorter-term savings (not longer-term investment) products Underserved Consumers 10

9 The Solution: Expand access by making investments easy to use and gift.

10 The Solution: Savings & Investments Made Easy

11 Target Audience: Users & Gifters GoalMine dramatically expands the market for savings and investments and acquires customers unavailable through more traditional financial channels (broker, advisers, etc) 40 million+ households in our segment alone in the US Skew younger Experience many life events requiring saving/investing (schools, weddings, kids, etc) Often surrounded by gifters who have money and give gifts for those life events Highly aspirational Users Conduct much of life online; use social networking sites Gifters Grandparents, friend, working people, and others will be able to give substantive and meaningful gifts Will buy gifts for various life events such as weddings, babies, birthdays, etc. Fits squarely in $25 - $100 sweet spot for gift card purchases Modern version of Savings Bonds

12 How It Works

13 Online Customer Experience