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GEINTAR, INCgen·er·a·tion

Pronunciation: \ˌje-nə-ˈrā-shən\ Function: noun A particular stage in the development of a product or technology, especially one marking a significant

advance

John H. LarsCEO(415) [email protected]

Geintar, Inc Proprietary & Confidential

Market Opportunity

Today, U.S. Consumers’ spending totals $899.4 billion - 31% higher than it was only five years ago.

Almost 15% of credit card users charge more than $9,840 in credit card debt.

Credit card charge-off rates in 2009 were 40% higher than 2008 at over 8%.

There are about 18 million Americans that are facing active collection activities today.


Current Solutions

To these 15 million consumers the only current solutions available are:

Bankruptcy (2 million)

Credit Counseling (1 million)

Debt Settlement (0.5 million)

They all involve third party companies and substantial costs to the consumer leaving over 10 million consumers without a solution .


Value PropositionWith the downturn of the economy there are a growing number of consumers that are struggling with personal debt.

More and more of these consumers have a “do-it-yourself” mindset and refuse being helped by any of the current solutions. Geintar developed and operates yPoodle.com:

• providing support, answers education and a virtual settlement solution to these debtors.

• offering creditors the ability to settle with more consumers.


Value Proposition


Handling debts

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The core business will create revenues by charging a handling fee to Creditors while providing the services free of charge to consumers.

These services include:• First time debt settlement• Repeat debt settlement (approx. every 6 months)• Continuous credit counseling

Additional income are generated by reselling other financial products such as:

• credit reports • credit score monitoring • tax preparation software & • credit card offers geared towards rebuilding credit.

Revenue Streams


There is no direct or indirect competition to this business model in the B to C market place.

Competitors


The closest competition would be in the B to B arena where companies such as Competitor1.com and Competitor2.com offer a custom branded virtual collector as an additional tool to current Debt Collectors software.

Current Situation: News and information about debt, debt resolution and debt education are still making headlines from all types of media.

Short Term Strategy: The next 3 months strategy will focus on taking advantage of this interest. We have secured a known Public Relations companies and Cutie Pie will be relaying our message from the standpoint of average consumers.

Long Term Strategy: We will focus on additional internet marketing and advertising to increase the viral effect or our short term strategy. This will include direct email marketing to targeted groups as well as online advertising. This model was already proven by a static site talking about debt but not selling any products earlier this year. As capital is raised more traditional marketing approaches will be used.

Go to Market Strategy


John - Founder - CEO brings a total of 15 years experience in the debt collection and debt settlement industries and was the owner of a “brick and mortar” debt settlement company managing in excess of $750,000,000 debt under management. Nicholas - VP Business Development has 35 years of experience managing multi-million dollar businesses by relying on his strength to develop teams and to manage multiple projects in fast pace environments. Ngu – CTO has defined and led major development for several startups and Fortune 500 companies. He founded and still manages a website development firm Papa Inc (now know as Florox) in 2001,

Don - VP Technology is an Information Technology and Information Security professional with over 16 years experience who provide support for organizations within the Defense, Technology, Legal and Financial Services industries

Team Composition


A strategic purchase by one of the major public or private:

Debt Collection/Debt Buyer companies such as Encore Capital Group, Inc.

Consumer Financial Services companies such as Intuit, Inc

Credit Reporting Agencies such as Equifax

Private Equity Group which is investing in similar businesses such as The General Finance Group

Online Marketplace & Payments companies such as Ebay Inc

Potential Exit Strategies


Reaching 350,000 unique visitors year 1

Sign up top 20% of debt collectors

Write in more…

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Milestones


Financial Projections


Sample Year 1 Year 2 Year 3 Year 4 Year 5Total Revenues 3,013,455 10,084,559 17,600,777 26,620,239 38,345,540Total Payroll 1,017,500 1,522,141 2,523,791 3,511,731 4,552,675PT & EB 305,250 456,642 757,137 1,053,519 1,365,803Total Other Expenses 2,970,000 3,391,000 4,686,038 6,030,183 7,453,407Total Expenses 4,292,750 5,369,783 7,966,966 10,595,434 13,371,885EBITDA $ -1,279,295 4,714,776 9,633,812 16,024,806 24,973,655EBITDA % -42.5% 46.8% 54.7% 60.2% 65.1%

Disclaimer: Results are projections and are highly speculative. These figures were prepared for discussion purposes with experience investors only. The figures are not intended to imply or provide any guarantees

of any kind.

Capital Request


Financing Sought: $2.5 Million Current Investors: Johnny: $500,000 Use of Funds: 20% Product Development 80% Marketing.

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