ExtraFunds is a proven servicer in the short-term online lending marketplace. ExtraFunds is currently seeking to expand its operations by raising capital via Crowdfunder. For more details about the offering, visit www.crowdfunder.com/extrafunds.

1. (Source: Foundation Capital)
*A Trillion Dollar Market
By the People, For the People
Where
Crowdfunding
meets marketplace
lending

2. 2
TABLE OF CONTENTS
p.3 The Opportunity
Elevator Pitch p.4
p.5 The Marketplace
Industry Background p.6
p.7 Numbers At A Glance
The Borrower p.8
p.9 Cost Of Credit
p.11 Marketing Strategy
Executive Team p.12
p.13 Contact Information
Key Financials And Projections p.10

3. 3
THE OPPORTUNITY
ExtraFunds is seeking a minumum of $1 million in investment capital,
which will be used for operating capital, including the hiring of
additional call center employees and expenses related to lead
acquisition and marketing. None of the investor capital will be used
to pay salaries of executive team members.
We are offering investors convertible notes, which carry annually
compounding interest of 10%. The minimum investment is 12
months.
ExtraFunds is currently owned by Ottawa Capital, LLC, which has
invested nearly $1M into the company.
$1M 10%
compounding
annual interest

4. 4
ELEVATOR PITCH
ExtraFunds is your link to Marketplace Lending!
MARKETPLACE LENDING
Borrower Investors
ExtraFunds is a loan servicing company in the online lending marketplace. We
provide expertise in marketing, real-time underwriting, verification and collection
services for marketplace lenders and borrowers alike.
Crowdfunding investors can now enjoy impressive returns on their small or large
investments, while borrowers benefit from a direct lending relationship.

5. 5
THE MARKETPLACE
And where we fit!
ExtraFunds competes directly with other short-term consumer lenders and
payday lenders and indirectly with other online lenders in the emerging lending
marketplace.
Consumer
Small Dollar
Loans
Purchase
Finance
Education
Financing
Real Estate
Merchant
Cash Advance
SMB Credit

6. 6
INDUSTRY BACKGROUND
MARKETPLACE LENDING
MARKETPLACE LENDING
Borrower Investors
Source: Lending Club, J.P. Morgan
TRADITIONAL RETAIL LENDING
$
$
Package
rB eo wrro
Bank ss e/S icerv
estv on rI s ancr hT es
Source: Lending Club, J.P. Morgan
MARKETPLACE LENDING IS DISINTERMEDIATING
THE BORROWING AND INVESTING EXPERIENCE
The age of traditional banking is
quickly giving way to an online
lending marketplace, with
short-term lending at the
fore-front of the revolution.
Short-term lenders and their
servicers have paved the way for
companies like Lending Club,
Prosper, BillMeLater, and Realty
Mogal to change the face of
consumer, purchase, and real
estate financing.
Lending Club’s recent IPO
valuation of $8.5 billion put it
ahead of all but 14 U.S. banks,
lending incredible legitimacy to
the lending marketplace move-
ment.
ExtraFunds is perfectly poised to
prosper as the short-term lending
industry continues to integrate
into the larger lending market-
place.
The short-term lending market is
strong - a 2012 study published
by Pew Trusts found that approxi-
mately 12 million Americans use
short-term credit annually,
spending approximately
$49 billion each year
(pewtrusts.org/small-loans).
Regulatory changes can
impact loan volumes in the
industry. It appears that
most recent regulatory
changes in consumer
lending laws will stabilize
the short-term credit
industry. New laws legaliz-
ing crowdfunding make this
the perfect opportunity.
THE MARTKETPLACE MODEL CUTS SEVERAL LINKS OUT OF TODAY’S BANKING CHAIN.

7. 7
NUMBERS AT A GLANCE
41,937 LOANS
Made
$14 Million
Loaned
ExtraFunds has 5 years of experience
making and servicing loans for its
lending partners.
ROI of Returning Customers vs.
New Customers.
85%
195%
ROI
New
ROI
Returning
The overall average loan amount to a
customer is $320. Repeat customers
can receive up to $500. ExtraFunds
always encourages borrowers to pay
off their loan quickly to avoid added
fees.
Average Loan
Amount
$320
It costs us about $105 to find and fund
a new customer. This is why repeat
customers are so valuable. They’ve
proven they are responsible borrowers
and cost little to nothing to re-fund.
$105 6.5% 35%
Ave.
Accept
Rate
Ave.
Conversion
Rate
Ave. Cost
Per Funded
Loan
3:2
Ratio of Returning Customers
to New Customers 3:2
We specialize in keeping happy
customers. We offer financial
education and always treat them
with respect, whether giving a
loan or collecting money. 87%
13%
Because ExtraFunds
does not require good
credit or securitization for
a loan, collection and
default rates are the
difference between
success and failure.
We’ve developed internal
propritary solutions that
set us apart. We are
great at what we do!
STRONG COMPANY ROI ALLOWS FOR EXCELLENT ROI TO INVESTORS
Collection Rate v. Default Rate
2.1M
1.5M
2.9M
2.3M
2012 (Sept - Dec) 2013 2014
131% ROI
942k
1.2M
128% ROI
136% ROI
$ Loaned
Associated
Revenue
ROI
When a loan portfolio
matures, 3 out of 5
customers will be a returning
customer. This helps
lower company costs and
increase profits.

8. 8
THE BORROWER
A STUDY BY DONE BY GWU SCHOOL OF BUSINESS
2% 2% of all U.S. adults
use small dollar
loans
Short-term credit is a multi-billion dollar industry in the U.S.
Borrowers all have one thing in common - They have
a short-term need for quick credit and often have no other
credit options.
63%
have children at
home
41%
Earn between
$25,000 and $50,000 /yr.
39% earn over $40,000 /yr.
54%
have a high school degree.
54% have gone to college
or have a college degree.
“Most payday loans are used to pay unexpected expenses or expenses that could
not be postponed…If payday loan customers live from paycheck to paycheck with
very little discretionary income, even small expenses may cause financial problems
and make emergencies a frequent event. In such cases, even frequent use of
payday loans may be better than the alternatives.”
Gregory Elliehausen
Division of Research and Statistics
Board of Governors of the Federal Reserve System and Financial Services Research Program
The George Washington University School of Business
The study concluded borrowers:
• Have limited liquid assets and savings, most use other forms of credit;
• Have characteristics that may limit their access to credit;
• Use payday loans moderately, as intended for short-term use;
• Are aware of the cost of their most recent payday loan;
• Consider the alternatives, are satisfied with their decision;
• Benefit by having access to payday loans.

9. 9
COST OF CREDIT
Many of ExtraFunds’borrowers
are confronted with difficult
financial decisions which are
rarely shown as an annualized
percentage rate (APR).
Short-term credit is criticized as
being expensive, in part because
financial regulations require
lenders to publish annualized
interest rates.
As illustrated to the right, how-
ever, converting fees into an
APR, perpetuates a misconcep-
tion.
ExtraFunds does recommend
that its customers seek less
expensive credit alternatives
before applying for a small-dol-
lar loan.
Obtaining a loan from Extra-
Funds is often a much less
expensive alternative to other
fees, which are not often repre-
sented as an APR.
1200%
APR
1400%
APR
650%
APR
960%
APR
Late Fees
$100 credit card
balance with
a $35
Bounced Check
$100 bounced
check with $56
Non-Sufficient
Funds and
merchant fees
Utility Charges
$100 utility bill
with $45
late/reconnect
charges
ExtraFunds
$100
small dollar
loan with a
$25 fee
The record
was hit in
2009 with $37
billion in
overdraft fees
collected by
banks.
(Source:
Forbes.com)
Turn-off
notices are big
business for
Utiliy
Companies in
America and
are very costly
to the
customer.
Least expensive
financial option
of these
examples.
In the 2000s, in
the US alone,
consumers
paid a trillion
dollars in credit
card interest
expense to
banks. (Source:
Foundation
Capital)
BORROWERS OFTEN CHOOSE SMALL DOLLAR LOANS TO AVOID NSF CHARGES
MARKETPLACE LENDING

10. 10
KEY FINANCIALS AND PROJECTIONS
Money Loaned
Associated Revenues
1. Figures for 2014 were calculated using average daily loan volume during final quarter of the year.
2. ROI percentage for 2014 was calculated using money loaned and associated revenues statistics over the entire year.
2,3M3,1M
7,500,00010,500,000
11,250,00016,312,500
18,750,00028,125,000
30
135%2
15
100
140%
40
150
145%
60
250
150%
115
Average loans
per business day:
ROI percentage:
Call center
representatives:
ExtraFunds is poised
for tremendous growth
in the next 3 years.
ExtraFunds CEO
Aaron Bishop
Critical Assumptions:
Continue growth trend from the final
quarter of 2014.
Increase number of call center
representatives.
New banking and ACH processing
relationship, which will increase
lending geography.
Increasing ROI as we turn new
customers into returning customers,
as shown in our previous portfolio.
New customer lead channels and
strategies.
Key Expenses:
Payroll - we will need to increase
number of call center employees in
order to provide increased loan
volume.
Lead/marketing expense - Increase
marketing in order to increase loan
volume. However, loan volume will
also increase organically as we grow
through reacts and organic lead
traffic.
20141
2015 2016 2017

11. 11
MARKETING STRATEGY
Money Money Produced by ExtraFunds, 2013
ExtraFunds solicits new and returning
customers using traditional, creative
and trending marketing techniques.
Lead buying: ExtraFunds’ partners
with trusted lead generation compa-
nies.
Viral Marketing: ExtraFunds attracts
customers with clever viral marketing
campaigns such as its Money Money
video.
SEO and PPC: ExtraFunds continues
to establish organic and paid relevance
online.
Social Media: Facebook, Twitter,
Instagram, Pinterest, YouTube, Vine.
Email: ExtraFunds uses Opt-in email
campaigns to market to its internal
customer database.
Mail: ExtraFunds still believes there is
value in good old fashioned mail to
make both new and repeat customers
aware of exciting offers!

12. 12
EXECUTIVE TEAM
Aaron W. Bishop
Chief Executive Officer
Founder of ExtraFunds.
Oversees all business and
investment activities. 20 years
of experience as a small- and
medium-sized business owner.
Expertise includes private
equity, real estate, marketing/
branding, and custom
product development. Companies
founded include Reminderband
d/b/a iFrogz, Ottawa
Capital, and Bishop Properties.
B.A. from Ottawa University.
M.A. from Johns Hopkins
University.
Brian Zang
Chief Technology Officer
Has successfully organized
production, shipping, sales,
marketing, accounting, and
training efforts in several
start-up ventures and established
businesses, maximizing
efficiency and sustaining
growth. Oversees the development
and use of company
technology, including websites,
software, and infrastructure.
B.A. in History from Towson
University. M.S. in Instructional
Technology from Utah State
University.
Bryce Sorensen
Director of Lending Operations
Implements lending strategies
designed to minimize
defaults and maximize portfolio
efficiency. Oversees preventative
troubleshooting for the
workforce organization and
development in the lending
operations. Consults on the
development and testing of
innovative methods of lead
acquisition and underwriting.
Marketing degree from Utah
State University.
Michael Jewell
General Counsel
Licensed attorney with
experience in lending and
banking compliance, as well
as corporate and securities
law. Oversees securities
compliance as well as internal
compliance with lending laws
and regulations. B.A. in
English and Political Science
from Utah State University.
J.D. from the University of
San Diego with an emphasis
in business and corporate law.

13. 13
CONTACT INFORMATION
info@extrafunds.com
ExtraFunds, LLC
33 N. Main St., Suite 101
Logan, UT 84321
www.extrafunds.com
435-787-9500