Mr. Karim Nanji reports

MARBLE SIGNS PARTNERSHIP AGREEMENT WITH TURNOVER TECHNOLOGIES TO BOOST UNDERBANKED AUTO SALES FOR 30 DEALERSHIPS

Marble Financial Inc. has entered into a business partnership with Turnover Technologies and its flagship product, Turnovercrm.

Turnovercrm is an industry leading technology platform for the underbanked auto industry in Canada. It is designed for auto dealerships that want to improve their sales process and sell more cars. Turnovercrm automates the entire lead qualification process and tracks the direct ROI (return on investment) associated with marketing spend of the dealerships from the time the lead has been sourced to the time the consumer drives away with their vehicle purchase. Turnovercrm eliminates the barriers to communication between the prospect and the sales team and streamlines the financing process from application to approval.

Turnover currently has 30 auto dealerships using its technology platform, selling an average between 1,300 and 1,500 vehicles, monthly. Most of these purchases require financing from non-prime, alternative lenders. The monthly marketing spend per dealership varies between $10,000 to $40,000 per month, with the platform processing up to 6,000 digital leads monthly.

The relationship between Turnover and Marble's Accumulate.ai is timely given existing inflationary, macro-economic conditions and the current high interest rate environment. Many consumers are having a challenging time getting approved for financing their vehicle purchases due to poor credit and high consumer debt resulting in inability for consumers to afford monthly car loan payments. Thus, consumers and dealerships are not able to complete the transaction. The partnership will enhance the ability for dealerships to monetize their marketing efforts and optimize their ROI on marketing spend while also enabling consumers to drive away with a vehicle. A win-win for both the consumer and the dealership.

Marble has recently introduced an innovative solution called Drive Away, which aims to revolutionize the process of securing vehicle financing through its Mymarble financial wellness engagement platform. This service connects individuals who have difficulty obtaining approval for their desired vehicle with trusted partners and financing options, thereby making vehicle ownership more accessible to Canadians.

The combination of Accumulate.ai, Marble's financial wellness engagement platform, and Inverite's open banking income verification service, will enable auto dealerships using Turnovercrm to tap into high-quality cost-per-lead programs and manage the full life cycle of the prospects in Turnovercrm.

Overall, Marble's Drive Away solution and the partnership with Turnovercrm will provide a seamless and efficient experience for Canadian consumers looking to finance their next vehicle purchase. In parallel, this will also provide auto dealerships in Turnover's ecosystem with a reliable and cost- effective way to generate high-quality leads and engage with potential customers with higher intent to purchase.

Ryan Hartigan, Turnover Technologies chief executive officer, commented: "I see great opportunity working with Marble Financial ongoing. A lot of our dealer partners require support when they have tough approvals or turn-downs. The reason we chose to partner with Marble is because of their customer-centric brand and knowing they will do the right thing for the industry. They have great technology built out to give customers a full 360 view of their credit situation and to help them to address it over time. I had been searching for the right partner on this front for the last year and am happy to have arrived at such a great choice for our dealer clients."

Karim Nanji, Marble's An anonymous director reports, commented: "We are excited about the potential of this partnership with Turnover Technologies. It leverages our recent acquisition of the proprietary Autocarz business by allowing Marble to focus on enabling auto dealerships to sell more cars. Assisting Canadians to qualify for affordable solutions to finance their vehicle or other purchases, is what Marble is all about. For those customers that do not qualify for affordable financing, Marble and Turnover are implementing a Second Look program for consumers that Marble will nurture to become qualified purchasers in the near future."

About Marble Financial Inc.

Marble is an AI (artificial intelligence) driven leading provider of software-as-a-service (SaaS) solutions that empower businesses to acquire and use real-time financial data to better transact with consumers. Utilizing Marble's proprietary and proven artificial intelligence data-driven technology platforms, Inverite, Accumulate.ai and MyMarble, businesses and consumers are empowered in real-time, access to a 360 financial profile that includes credit and banking data. Marble leverages machine learning, artificial intelligence, predictive financial recommendations, risk scores and open-banking strategies to put the power of financial data into the hands of businesses and consumers, promoting more robust relationships and higher intent toward future engagements.

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