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Mosaic is a place for people to grow your money by investing in clean energy infrastructure.

Overview. Mosaic is a place for people to grow your money by investing in clean energy infrastructure. Youth Employment Partnership 51 Lenders: 5 year term: Annual Yield 6.18%*.

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Mosaic is a place for people to grow your money by investing in clean energy infrastructure.

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  1. Overview Mosaic is a place for people to grow your money by investing in clean energy infrastructure. Youth Employment Partnership 51 Lenders: 5 year term: Annual Yield 6.18%* Take lending and investment decisions out of the opaque Board room and give it to people, democratizing finance and clean energy

  2.  Problem • The stock market is opaque and volatile. Bonds have low yields. • The confidence of retail investors has been shaken, and yields on secure investments are low. • It’s hard to profitably invest or lend in your community. • Investors want tangibility and to be connected to the power of their capital. • Solar lending (our first vertical) is a unique challenge. • As with most project finance, market is dominated by a small number of large investors who only focus on deal sizes >$2M. • There are high transaction costs, overhead, and a lack of standardization. The cost of capital increases the cost of solar • The limits and constrain are hurting the industry and inhibiting the proliferation of clean energy and grid parity

  3. The Marketplace Mosaic opens up clean energy investing to the public, making it possible for people to fund clean energy infrastructure in their communities and around the world

  4. Why Mosaic? We can do better Source a lower cost of capital. People can have access to an asset/ first right of offer that previously has only been available to big banks Banks have considerable overhead that Mosaic does not through our web platform By democratizing capital, we accelerate the inevitable transition to grid parity and clean energy Accelerate & give visibility for renewable energy finance democratization Solar Lending, because it is secured by equipment and cash flows, is less risky than peer-to-peer lending, but with superior than market returns. The PR will be huge. Increase awareness about the clean energy economy and ways to participate Crowd-funding excels when it connects people and passion Fans of Pabst raised $200M for buyout of company. Gives long-term engagement opportunity for community to make money from supporting local infrastructure.

  5. Lower Soft Costs Soft Cost Projections* Soft costs can make up to half of total project costs. Lower Financing Costs Expand capital availability Increase standardization Automate underwriting Lower Customer Acquisition Costs Low-cost lead generation (by-product of crowdfunding) High lead-to-customer conversion rates (leads are already invested in solar) * for developers on Mosaic’s platform Estimated averages across residential & non-residential projects

  6. Traction 400+ people invested more than $600,000 to finance six rooftop solar power plants. The Asian Resource Center: Oakland, CA 138 Investors / 98k Invested St Vincent DePaul: Oakland, CA 80 Investors / 88k Invested People’s Grocery: Oakland, CA 70 Investors / 38k Invested Navajo Home: Navajo Nation, AZ 18 Investors / 18k Invested Murdoch Community Center: Flagstaff, AZ 90 Investors / 20k Invested Youth Employment Partnership: Oakland, CA 51 Investors / 135k Invested

  7. Press Web Natives Take Aim at Energy – Cleanweb entrepreneurs come armed with computer skills, a profit motive, and a determination to solve environmental problems. -MIT Technology Review “Mosaic is building the world’s first online platform for people to profitably invest in solar power projects” -New York Times “How New Financing Models Could Make Solar the Facebook of the Energy Industry” -Forbes “One day it could be commonplace for a regular person to invest in, and make money by putting solar panels on rooftops. -Gigaom “How communities can invest in solar” -GOOD

  8. Core Team Daniel Rosen Founder, CEO Unreasonable Institute fellow. Recognized by Forbes as "30-under-30" for energy. Billy Parish Founder, President Co-founded and grew the Energy Action Coalition into the largest youth clean energy organization in the world. Steve Richmond Founder, CFO Founded multiple software start-ups and has a background in strategy and investment banking.  Arthur Coulston Founder, Platform Programmer with 10 years in web design and online organizing for national non-profits and start-ups. Greg Rosen Chief Investment Officer Former VP of Solar Finance at Union Bank and Director of Structured Finance at PowerLight/SunPower. Tony Bako Chief Technology Officer Former VP of Engineering at Cramster (acquired by Chegg), and VP of Engineering at Chegg.  Marco Kraepels Director Executive Vice President at Rabo Bank. 20 years of banking and deep expertise in clean-energy asset finance. Kristina Shih Finance Berkeley/LSE grad with experience in real estate finance and private equity.

  9. Contact Daniel Rosen, CEO daniel@joinmosaic.com// (201) 207-9273

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