Mg Zimple Investor Presentation V5.1.1 Final

Confidential Investor presentation. No part of it may be circulated, quoted, or reproduced for distribution without prior written approval from Miller Gold Partners Ltd..

September 2010

Zimple Inc.

The Paypal of Online Financial Agreement Processing

CONFIDENTIAL

CONTACT

Jonathan C. Miller, managing partner+1 415.992.7614 | [email protected]

2

Our AudienceMiller GoldSlide Deck Summary

I. Zimple Inc. II. Problem and SolutionIII. Addressable MarketIV. Value PropositionV. Competitive MatrixVI. Milestones partners and funding to dateVII. Key FinancialsVIII. Key Performance IndicatorsIX. Management TeamX. ConclusionXI. Contact

3

Our AudienceMiller Gold Partners Ltd.Zimple Inc. Overview

The Zimple platform today manages $56 million of loan capital and is set to become the PayPal of

Financial Agreements Processing.

4

Our AudienceThe ProblemMost of the back-office loan processing is Paper-based today

1. SMB’s and Branch Offices dont want to manage costly custom software

2. Difficult to manage Financial Agreements with a General Ledger Accounting System

3. Services offered by payment processors are merely recurring payment tools tacked on to existing credit and debit card gateways

5

Our AudienceZimple MoneyHow We Solve the Problem

1. We take the misery out of loan administration

2. Extremely easy to use - saves time and money - no costly custom software or training

3. Incorporates powerful contract ledger accounting, for tax reporting, automated reminders etc.

5

Our AudienceZimple MoneyValue Pyramid

Platform can be used across many vertical markets

Platform for Financial Agreement processing, automated data

entry and financial accounting

Dramatically decreasesoverhead & increases

loan processing efficiency

Simple and

Easy

6

Our AudienceZimple MoneyThe Solution

automate disbursements easilyManage between multiple accounts

Simple Easy to use toolsand statusindicators

Full shared contract accounting ledgers

online deal documents store

messaging platform

Easily View Loan Portfolio and participants

Helps prepare monthly/ annual tax reports

7

Our AudienceZimple MoneyAddressable Market

• ZimpleAuto.com serves the auto-loan marketplace which every day writes over 7500 loans and represents a $100m yearly revenue opportunity for Zimple Inc. just in auto-loan processing alone.

• ZimpleMoney.com serves the $89 billion loan marketplace in the US alone. TowerGroup (February 2009) estimates the gross dollar volume of the US non-cash person-to-person (P2P) market in 2008 was $1.1 trillion - or 3,000,000,000 transactions a year.

• ZimpleTermz is ideally positioned to take advantage of the current economic environment and credit crisis by addressing the e-layaway market. The current addressable portion of the eCommerce marketplace is $1.2 billion, and the Brick & Mortar market is around $58 billion.

8

PaymentsScale

Payments Accounting

Integrated Platforms

Our AudienceZimple Money Inc.Competitive Landscape

Transactional

Recurring

9

Our AudienceZimple Money OpportunityWhy Zimple Money - Why now?

• The credit crunch has dried up many sources of lending and has forever changed the loan marketplace. Zimple Inc. is ideally positioned to take advantage of the huge appetite for loans as traditional lenders pull out of the market.

• Recent M&A activity underscores the long-term attractiveness of cloud (SaaS) based financial platforms for investors

June 2010 Jack Henry & Associates (NASDAQ:JKHY) acquired iPay for $300 million in cash

Sept 2009 Mint.com’s $170m acquisition by Intuit.

May 2009 Custom House B2B payments sale to Western Union (NYSE: WU) for US$370 million in cash. Custom House is the largest independent, international provider in the world

Lowermybills.com was purchased in 2005 by Experian for $330 million

2002 eBay acquired PayPal for $1.5 billion

10

Steve Rabago Founder and ZEO

Founder and CEO of Telogis, a leading SaaS, Fleet Management Company, which Steve grew from zero to revenues of $6.6M with $700,000 of capital. Telogis will this year show $30m in revenues. Prior to Telogis Steve was CEO and Founder of Archarios, Inc., a management consulting practice, which included running The Laguna Bank as its MD. From 1974 to 1983 Steve worked with BofA, American City Bank, and Pacific National Bank.

Scott McGarrigle

Technology Founder and CEO of Applied Knowledge, Inc. and AKI Venture Partners whose clients include BofA and Toshiba. Previously, Scott was a member of the technical staff and Rockwell International.

Sean Brown Business Development

Sean was Founder & CEO, DealerSoft Technologies, a CRM software startup for auto retailers which he exited. After the sale, he served as VP Engineering and then SVP of Business Development responsible for key partnerships with IBM, Sun, Sprint, and EDS.

Kim Troxel Marketing Kim directed the marketing efforts at Telogis, KnowledgeCentrix, Fuze Group, NCG, Infocrossing, Strategix and Global Business Solutions.

Our TeamZimple Inc. Team

11

• SEO• Word of Mouth• White Papers

• Partnerships• Strategic Affiliates• Licensing• CPC Advertising

• Banking Partners

• Tele-Sales• Outbound e-mail• DRIP – e-mail campaign

• All of the above

ZimpleTermz

• N/A

• Payment Processors• Merchants• Licensing• White Label

• Merchant Partners• Card Process Partners

• Associations• Affiliate Sales• Webinars• Directory

Zimple MoneyDetailed Go-To-Market

Today

Series A

Series B

ZimpleMoneyZimpleAuto

12

Our AudienceZimple Inc.Revenue Projections $ USD

13

The Problem

• Build on Associations and Partner Relationships

• Launch ZimpleTermz

• 50,000 contracts

• $500M+ in loan capital under management

• Product Developed

• Launched ZimpleMoney and ZimpleAuto

• Secured First Customers

• $50m+ in loan capital under management

• Payment Processors, Merchant and Banking Partners.

• ZimpleTermz Reseller Marketplace

• 1,000,000 contracts • $1B in loan capital

under management

Trade Sale:• Intuit, Sage or other

accounting companies.

• Google, PayPal or other financial services companies.

• Visa, MasterCard, American Express or other payment processing companies.

Seed

Series A

Series B

Exit

Zimple MoneyFunding Deliverables

14

Zimple Inc.Investment Opportunity

Milestones Seed Series A Series B

Cash Raised ≈ $500KCurrent Round

Target $2mTarget 10M

User / MembersContracts Pd.

1,400124

750,00050,000

15,000,0001,000,000

Dollar Contracts under Management

$53M $500M 1 Bn+

Products developedZimpleMoneyZimpleAuto

ZimpleTermz

ZimpleBank – Dedicated Deposit Accounts ZimpleDebitCard –

Access Deposit Accounts

Paid Rev/contract/yr 120 108 96

Vertical MarketsFamily &Friend Lending

SMB LendingAuto Dealers

Online & Brick and Mortar Retailers

Financial Services, Banking and Pre-paid

Debit Cards

2010 2011 2012 20132009 2014

15

Our AudienceZimple Inc.Conclusion

• Multi-billion dollar vertical markets• Recurring revenue model• Highly scalable cloud based business model• Experienced entrepreneur and team• Technology platform complete• Sales channel partners identified• Market timing excellent – difficult to secure credit / dislike of banks• Growing payments marketplace

Miller Gold Partners Ltd.Contact

Jonathan C. Millermanaging [email protected]

US +1 415.992.7614UK +44 (20) 88167205HK +852 81990027