The Halo App is a private, community lending economy. The Halo App has created a marketplace where Backers and Borrowers can connect safely for small dollar loans, making peer-to-peer lending easy. BACK WITH CONFIDENCE – •Search through borrow requests within your community and across the app with simple and flexible filter tools. • Select a borrow request that you are comfortable with backing and set your own terms. • Once the borrower agrees to your terms, wait to receive your bi-weekly repayments. BORROW EASILY – • Request an amount between $100-$1000 and set the length of time you need to pay the amount back. Your request will be shared with our community of Backers for a match. • You have control over the backing offers you accept. Accept the total amount to pay back that best suits your needs. • Upon accepting a backing offer, the transaction is started immediately. Bi-weekly automated repayments can be managed and reviewed easily through the app. SAFE AND SECURE – • We use machine learning and global security networks for real-time fraud prevention and fake account detection. • As breach prevention, we use best-in-class security tools and bank level SSL encryption to keep your information safe. THE HALO SCORE – • The Halo App believes that old-fashion credit scoring models that rely solely on credit history do not take into account other factors that make a person trustworthy. Our Halo Score uses thousands of data points-- including real-time data, traditional scoring models, and personal reputation-- to assess risk without limiting access. We are so glad to have you as a part of our growing economy. For questions, comments or concerns, do not hesitate to reach out to us at [email protected] . Visit our website at www.thehaloapp.com to find more information on our vision of creating financial freedom.