DEB TEATERAddressing America’s Student Debt Crisis

Table of Contents

Problem? Solution! Target Market & Opportunity Who is DEB Teater? What does DEB do?

Educational Features Mobile Application Digital Media Integration

Benefits & Incentives Risk Mitigation & Exit Strategy

Problem?

Federal Reserve Bank of NYConsumer Finance Protection Bureau

Student loans1st quarter 2012

30 &under 14 million

30-39 10.6 million

40-49 5.7 million

50-59 4.6 million

60+ 2.2 million

Total 37.1 million

Total Cash $902 billion - $1 trillion

Outstanding federal student loan $864 billion

Solution!

DEB Teater

Mobile Application & Website Provides cash back rewards system Integrates with evolving media platforms Utilizes GPS technology Establishes a community forum Demonstrates financial concepts (TVM) Encourages financial responsibility

Target Market & Opportunity

Target Market? Median Incomes:

High School Graduates $22,500 College Graduates $45,000

Market Driven Opportunity? Disposable Income Retailer’s Target

Link your Loan Account to Deb Teater and Download the App

Invite friends to share your account and

download the mobile application

Use Deb Teater to track your student loans, get educated

and watch your responsibility pay off

Live your life…

Who is Deb?

1

2

3

4

What does DEB do?

Cornell University, May 2012

Portland, Oregon

Participating DEB Teater merchant!

760

5%

DEB Teater

$38

$36.10

5%

Educational Features

Remaining Months:

Interest Rate:

DEB Teater Reward:

Calculate!

Deb Teater saved you…

over the lifetime of your loan!

Deb Chart

Save

103

6.75%$36.10

$64.33

• Simple and clean design • Simplifying an abstract financial

concept to young college students • Demonstrating the significant

impact of responsible debt servicing

Mobile Application

DEBT?

DEB Teater

Digital Media Integration

GPS Push Deals QR

Benefits & Incentives

Consumer

Convenient offers from local retailers via GPS

Forum to educate members on student loan debt

Way to spend “responsibly”

Merchant

Social exposure Email campaigns More with Mobile Customized rewards Increased consumer data Revenue management

tool Access to desirable, highly

targeted segment with discretionary incomes

Advertising via social media integration

Recognition as a socially responsible company

Competitive advantage over credit card benefits

Sustainable revenue model driven by 5% cash back bonus prior to paying down the loan principal

DEB Teater

Risk Mitigation & Exit Strategy Risk Mitigation

Start with college campuses Bookstores = highly competitive market Test Deb Teater integration effects on year

over year sales Exit Strategy?

Next Steps?

Questions?

Thank you!