ConsumerDirect

About the offering

ConsumerDirect’s proprietary suite of tools empowers everyday Americans to take control of their credit, finances, and privacy. Our newest innovation, Max AI, processes millions of data points to help people make smarter financial decisions—faster. Become a shareholder as we aim to be a publicly listed company⁸. Investment Highlights As a thank-you, the first 200 investors contributing $1,000+ will receive additional bonus shares when investing in the first 30 days. $100M+ Gross Revenue in 2024(1): 44% Annualized Growth Since 2019(14), $10M+ EBITDA(1), 3.8K+ Active Monthly Partners(10) Enhanced With Our MAX AI: Up to 9K Data Insights Per Member(2), Generates Member Future Score(3), $8.8K~ Loan Interest Saved Per Member(4) Possible Public Listing(8): Reserved Ticker Symbol CNDR*, Need at least 400 Investors, $1,000 Minimum Investment A BROKEN SYSTEM - 93M Americans Don’t Qualify for Affordable Rates(5): The financial system is stacked against consumers, costing them an estimated $130 billion(6) annually–yet maximizing your credit score could put tens of thousands of dollars back in your pocket.(15) Artificial Intelligence - Solving the Multi-Billion-Dollar Problem in Financial Services, Enhanced With Our Max AI™: Max AI™ processes millions of data points daily, giving us unparalleled intelligence into consumer credit behavior. 370M+ Individual Consumer Credit Accounts**, 14M+ Unique Consumer Credit Profiles**, 1M+ Transactional Data Points Daily**, Up to 9K+ Potential Insights Generated Per Customer** ** Data points presented are estimates derived from internal datasets and may fluctuate over time due to ongoing updates, data integration changes, and methodological adjustments. These figures are for general informational purposes only and do not constitute representations or guarantees of accuracy, completeness, or currentness. Traction - Already Profitable, With $100M+ in 2024 Gross Revenue: We’ve built a healthy, robust business that’s already leaving its mark in personal finance. $100M+ in gross revenue in 2024(1), 44% annualized growth since 2019(14) Profitable already, with a $10M+ EBITDA in 2024(1) 300K+ active monthly customers using our product suite Co-branded and white-labeled products for 3.8K+(10) active partners $3B~ saved(7) in home and auto loan interest by our members A total of 28.3 million points added to user credit scores(13) Business Model - How ConsumerDirect® Makes Money: Our diversified business model creates strong recurring revenue and proven profitability. B2B2C Subscriptions - Through affiliate and sponsored partnerships D2C Subscriptions - With our products SmartCredit®, TheLendingScore.com & Hogo® Commissions From Consumer Lending - Loan & credit card applicants approved via myLONA® offers B2B Advanced API - With our Consumer Credit Data & Consumer Data Removal APIs With 88%(1) gross margins and a track record of success, ConsumerDirect is built for sustainable, scalable growth. Solution / Services - Financial Control and Empowerment for Consumers: Our product suite offers lending transparency, identity protection, data privacy solutions, and predictive insights from our proprietary data learning technology Max AI™. SmartCredit® 1. SmartCredit® (Better Credit & Money) - Credit management and identity protection with personalized score tracking: Users gain 34+ credit score points on average in just 30 days(12), Max AI™-driven tools that provide step-by-step credit action plans based on their potential future score(3), Saves users thousands(4) by unlocking lower rates on loans and credit cards, Includes identity protection tools that defend users’ financial data. 2. Hogo (Fun, Yet Serious Financial Security): Gamified privacy app that guides users to secure financial data (and rewards them for doing so). 3. TheLendingScore.com (Ideal Before Borrowing): FICO® Scores from all three bureaus, plus loan offers tailored to your credit profile. 4. Consumer Data Removals API (B2B Privacy Solution): Enables businesses to find and request the removal of their consumers’ personal data from broker sites to reduce fraud, spam, and protect their privacy. 5. Consumer Credit Data API (Pre-Qualification for Lenders): Enables lenders to pre-qualify borrowers without impacting credit scores. 6. myLONA® (Lending Marketplace & Loan Transparency): A lending marketplace that streamlines borrowing with fair, transparent loan offers based on the consumer’s future score.(3) Expansion - A Possible Public Listing(8) is Just the Start: This Regulation CF round positions us for certain possible public listing requirements while funding our goals of product development, user-base growth, and faster innovation Scaling B2B2C Partnerships: Goal of Increasing Distribution Partners, Expanding Partnership Channels, Banks Connected with myLONA® User Base Expansion: Goal of Increasing Active Members, Expand Marketing Channels, Enhance Products with Max AI™ Accelerating Max AITM: Goal of Deeper Member Intelligence, Help Partners with Growth & Retention, Create New Ways to Help Consumers Financials - Our Growth By The Numbers(8): 518%+ Gross Revenue Growth 2019-2024(16) Important Disclosures: * Reserving the ticker symbol is not a guarantee that the company will go public. Listing on a national securities exchange is subject to approvals. 1. The financial information presented herein is derived from audited financial statements for the year ended December 31, 2024. Readers should refer to the full audited financial statements and accompanying notes for a comprehensive understanding 2. This number reflects the maximum potential insights generated per member and may vary by individual usage, data availability, and engagement levels as of April 2025. All data is derived from internal methodologies and is unaudited. This information is provided for illustrative purposes only and is subject to change without notice. 3. Future Score: This tool is designed to project a potential future credit score based on certain variables in a user’s credit report. The projections are estimates only and are intended for informational purposes. Actual credit scores may vary and are influenced by numerous factors beyond those modeled. Results are not guaranteed and do not constitute financial advice. All projections are based on internal algorithms and assumptions as of April 2025 and are subject to change without notice. 4. 8.8K loan interest saved per member: Calculation Methodology: Our savings estimates are derived from historical internal data, analyzing subscribers’ credit reports for increased scores in two categories: new auto and new mortgage financings. Assumptions include precise credit score reporting, consistent correlations between score ranges and financing rates, uniform loan terms (except interest rates), steady interest rates over the loan term, and consistent borrowing behaviors. Note that our estimates rely on accurate credit reporting, average loan data, and current interest rates, but may not account for individual interest rate variations or significant shifts in borrowing and repayment habits. We assumed a conversion from VantageScore® v3.0 to FICO® v8.0, verified by an official FICO® v8.0 calculator. Our calculation is subject to change without notice. 5. Calculation Methodology: Our estimated borrower numbers are derived from total addressable market (TAM) calculations, adjusted using borrower population percentages referenced in the Consumer Financial Protection Bureau’s (CFPB) 2021 report. This approach assumes the continued accuracy and applicability of the CFPB data to the current market landscape. We assume consistent definitions of borrower categories, uniform applicability of TAM boundaries, and the relevance of 2021 data to present conditions. These estimates depend on the precision of the original population segmentation and may not reflect recent shifts in borrower demographics, economic factors, or regulatory changes. Our calculation is subject to change without notice. 6. Based on data and insights shared during Intuit’s Investor Day 2021 presentation available at: https://investors.intuit.com/_assets/_323e181c91013c8841649b84f9038590/intuit/db/923/9388/pdf/Intuit-Investor-Day-2021-Presentation.pdf 7. Calculation Methodology: Our savings calculations are estimates using historical internal data. It is based on analyzing subscribers credit reports that had an increased credit score, while a current subscriber, for two categories: new auto and new mortgage financings. The calculations assumed precise credit score reporting, a consistent correlation between score ranges and financing rates, uniform loan terms except for interest rates, and steady interest rates over the loan’s term, along with unvarying borrowing behaviors among users. It’s important to note that our calculation estimates rely on accurate credit reporting, average loan data and current interest rates, but may not account for an individual subscriber’s interest rate variations, if any, or significant shifts in users’ borrowing and repayment habits, if any. Additionally, there was an assumed conversion from VantageScore® v3.0 to FICO® v8.0 and then verified by an official FICO® v8.0 calculator to determine savings from starting credit score to credit score before the above mentioned financing occurred. Our calculation is subject to change without notice. 8. This website contains forward-looking statements which are subject to risks, assumptions, and uncertainties (many of which are beyond the Company’s control) and speak only as of the date the Offering is launched. All statements other than statements of historical fact included in this letter are forward-looking statements and are based on assumptions the Company has made in light of its industry experience, perceptions of historical trends, current conditions, expected future developments and other factors it believes are reasonable and appropriate under the circumstances. As you consider an investment in the Company, you should understand that these statements are not guarantees of performance or results, and should one or more of these risks or uncertainties materialize, or should any of these assumptions prove incorrect or change, the Company’s actual operating and financial performance may vary in material respects from the performance projected in these forward-looking statements. The Company undertakes no obligation to update any forward-looking statement, except as may be required by law. Our primary motivation for this Offering is to acquire new shareholders in anticipation of a potential direct public listing of our shares on a national securities exchange. We have engaged a U.S. based investment banking firm to advise on a potential direct public listing, and we have secured the stock ticker symbol CNDR. However, any statements regarding a potential public direct listing are forward-looking statements, and there is no guarantee, or implied guarantee, that we will engage in, or be successful in, a direct public listing. If we are successful, the value of your shares may or may not increase, and there is a risk the value of your shares may decrease and even go to zero. Any potential direct public listing referenced in this Offering is dependent on a number of factors, including, but not limited to, SEC and securities exchange approval(s). As of the date of this Offering, we have not submitted any registration statement to the SEC or any application to any securities exchange, and we cannot guarantee or provide assurances that we will ever do so, nor that they will be approved if we do. For one year, the securities purchased in this Offering can only be resold: -As part of an offering registered with the SEC, such as an initial public offering; however please note, even if we are successful with a potential direct public listing, there is no guarantee that shares purchased in this Offering will be registered in the direct public listing; -To the Company; -To an accredited investor; or -To a member of the family of the purchaser or the equivalent, to a trust controlled by the purchaser, to a trust created for the benefit of a member of the family of the purchaser or the equivalent, or in connection with the death or divorce of the purchaser or other similar circumstance. 9. Disclaimer for Graphics Est : All forward-looking statements contained herein are estimates only and are based on current internal records and available market data as of the date of publication. These statements are inherently subject to risks, uncertainties, and changes in circumstances that may cause actual results to differ materially. The company makes no assurances as to the accuracy, completeness, or continued validity of such statements. All forward-looking information is subject to change at any time without notice and should not be relied upon as a guarantee of future performance. 10. 3.8 k+ active partners : Based on internal company records as of March 2025. It reflects partners who engaged in qualifying business activities during the specified reporting period, as determined by internal criteria. This information is provided for informational purposes only and does not represent a guarantee of current or future partner activity. The definition of “active” may vary, and the active partners count is subject to change without notice. 12. 34 points: Calculation Methodology: Average score calculations are based on historical internal data from SmartCredit® customers between Feb 2024-Feb 2025. The sample includes customers who started with a credit score below 580. Individual results may vary and are not guaranteed. 13. Since inception, our platform has contributed to a cumulative total of approximately 28.3 million points added to user credit scores. This figure was derived by analyzing the change in credit scores for each customer from their initial score upon onboarding to their most recent score recorded in our system. The cumulative total reflects the sum of individual score improvements across our entire user base. Individual results may vary, and past credit score improvements do not guarantee future performance. Estimates only. This calculation may change at anytime without notice. 14. 44% CAGR Calculation Methodology: The stated 44% compound annual growth rate (CAGR) is based on approximate gross revenue growth from $16.5 million in 2019 (unaudited) to $101.8 million in 2024 (audited). CAGR was calculated using the standard formula over a 5-year period: CAGR = [(2024 Revenue ÷ 2019 Revenue) ^ (1 ÷ 5)] - 1. This figure is intended to illustrate historical revenue growth and does not guarantee future results. ‍15. Based on a 2023 LendingTree study analyzing potential interest savings on common debt products. Actual savings will vary based on individual credit profiles, loan terms, market conditions, and lender practices. The referenced study can be found at LendingTree. This information is provided for illustrative purposes only and does not constitute financial advice or a guarantee of savings. Individual results may vary and are subject to change without notice. 16. 518%+ Gross Revenue Growth Calculation Methodology: The stated 518% gross revenue growth is based on an increase from approximately $16.5 million in 2019 (unaudited) to $101.8 million in 2024 (audited). This represents total cumulative growth over a 5-year period and is not annualized. Figures are intended to illustrate historical performance and do not guarantee future results. 17. EBITDA Growth Calculation Disclaimer: EBITDA growth from 2019 to 2024 is based on internal financial records. 2019 EBITDA was approximately $1.8 million (unaudited), and 2024 EBITDA was approximately $10.2 million (audited). This represents a compound annual growth rate (CAGR) of approximately 41.5%, calculated using the standard CAGR formula:CAGR = (Ending Value / Beginning Value) ^ (1 / Number of Years) – 1.

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