Innovations from

Mark Zmarzly, Founder & CEO (402) 802-1005

mark@hippocket.net

Make better financial decisions from your phone.

In just two minutes.

2

People are busy.

The Problem

1

They lack the time and knowledge to make optimal financial decisions. Millennials don’t even know where to start.  

Industry has fallen short.

2

The process is too complicated and it focuses too much on products and profit. We need to reimagine the process and customer engagement.  

3

The Opportunity

People want and need fast, convenient and easy ways to make better financial decisions. Less work, better outcomes.

4

Introducing The Hip Trio

5

6 Hip Pocket

A peer comparison tool for your mortgage, retirement or auto loan.

7 Hip Pocket

How It Works

Integrates with your website to motivate customers and prospects through social influence and personalized consultation.

Provide an engaging, intuitive user experience.

Generate leads.

See where you rank among your peers.

Can provide user with custom quote as well.

8 Hip Pocket

How It Works

Let’s walk through a couple demos.

Are you getting a good mortgage deal?

Hip Pocket

How does your mortgage rate compare?

Sample 2

Why It Works It engages with both logical triggers (best rates) and emotional triggers (friendly competition).

It gives users the confidence that they’re making the right decision.

It puts a realtor and banker in the user’s pocket.

It gives the user the control.

9 Hip Pocket

Marketing

Can be advertised on any digital medium:

Facebook, Twitter, Retargeting, etc.

In branch – kiosks, at acct opening.

Banner on homepage.

10 Hip Money

+

Logistics 11

•  National US peer database of 8M

mortgages. Retirement data from Federal Reserve.

•  The app doesn’t take in any personal info from users (email, name, etc). All info and contact requests stay within your secure website.

•  App is white labeled and integrates with your website and rates.

•  Google analytics built into app.  

•  Twitter & Facebook sharing integration.

•  Images and text can be changed via CSS.

•  You design advertising so it’s on brand.

•  Mobile first design.

Success in the Marketplace

Already have 11 clients covering all 50 states.

Recognized by Forrester Research as a Best Practice in Mortgage Sales.

12 Hip Pocket

Reseller partnership with SoftVu.

Demoed at Finovate Spring 2015

Integrated with Zillow’s Marksman mortgage platform for custom real-time rate quotes nationwide.

13

Hip Rate 14

An automatic mortgage rate monitoring service.

Provides up-to-date market insights to make timely decisions.

15 Hip Rate

How It Works

It tracks a user’s current mortgage rate vs. today’s rates and consults on when to refinance.

Automatic and customized refinance payback and cost analysis.

Leverages Hip Pocket’s technology.

Why It Works

You can set it and forget it.

Refinance reminders give assurance to homeowners.

It’s customized to the individual.

Removes the self-service calculations and work from current refi process.

16 Hip Rate

17

Hip Money 18

An easy-to-use app that helps anyone save more money daily with a simple swipe.

19 Hip Money

How It Works

It’s creating better habits in the way people save money.

Securely accesses your checking account.

Recommends daily savings amount based on behavior, income, etc.

Shows future economic value of moving money.

Hip Money 20

Hip Pocket Demo

Demo  Link:    h,ps://vimeo.com/143425404    FinCon  Presenta?on  Link:      h,ps://vimeo.com/141018188      

Why It Works

Personalized to the user.

Positive and addictive emotional engagement.

No behavior change, no thinking, no math.

Swipe-to-save is intuitive and easy.

21 Hip Money

Success in the Marketplace

Demoed at FinCon Chase Bank startup challenge. Finished runner-up among 10 finalists.

Demoed at the Digital Insight Client Conference.

Recent Press:

22 Hip Money

Finovate.com

Bankinnovation.net

Auto Setup, Daily Reco & Swipe are Timely

$3.17 daily savings estimated per user.

Launched in August. $1.04 avg savings per user, per day in pilot.

Won Citi and MasterCard app challenges in UK.

23

24

Ways to Work Together

Work with us as a client – direct license for use of any of our software. Pilot partner – near cost pilot for smaller groups of customers. Investor/Innovation Partner – Have convertible note round open now. HP can also serve as an innovation lab for bank on contract or in acquisition.

25

The Future

“The bank of the future may be in your pocket.” “Dunn expects community banks to increasingly partner with fintech firms to catch up to the times.” “Citi launches FinTech Unit to Lead Mobile-First Revolution.” “To have the ability to create great experiences that integrate into our daily lives – that’s the differentiator we have to go after.” All articles from American Banker: http://bit.ly/1j2Cxwn http://bit.ly/1Ov60fj http://bit.ly/1PA61On http://bit.ly/1ht5Few

Contact

Mark Zmarzly (402) 802-1005 mark@hippocket.net

26