edly Income Sharing Agreement Marketplace

edly is a marketplace that connects schools with accredited ISA investors. This marketplace enables accredited investors to do well by doing good. edly ISA investors are part of the solution to this generation’s top financial challenge – to fund increasingly valuable training and education without debt. We offer access to “shares” of income share agreements (ISAs), unique financial assets tied to future student success. These investments fund students’ tuition, and are repaid by students only after they secure employment. Unlike student loans, which can be punitive and unaffordable, ISA investments on the edly marketplace are affordable by definition, and reward and fuel ongoing student success. edly’s defining feature is a unique alignment of interests between schools, students, and capital providers. Schools keep skin in the game by retaining part-ownership of edly ISAs. Our ISAs are not loans and they do have significant investment risk; they offer a more flexible way for students to finance higher education, and for schools to access ISA program liquidity. Schools participating in the edly marketplace are educational institutions that provide high-quality, affordable training with positive employment outcomes for graduates. Christoper Ricciardi CEO | Co-Founder Head of Operations & Capital Markets at edly Partner at FlowPoint Education Management Founder of PLAAY Sports tech company Former CEO of $40 billion asset manager, Cohen & Co. Former Head of Structured Credit, Merrill Lynch, Credit Suisse, Prudential Wharton, London School of Economics, University of Richmond Charles Trafton President | Co-Founder Head of Origination at edly Partner at FlowPoint Capital and FlowPoint Education Management Former Portfolio Manager at The Boston Company Asset Management Institutional Investor “All-America Research Analyst” at Cannaccord Genuity (formerly Adams, Harkness & Hill); Greenwich Associates “4-Star Analyst”; Cowen & Co. Boston College J.Christopher Roe Chief Technology Officer Head of Technology Development at edly Former CTO Credibly SMB lender Former CTO Guggenheim media PGM Former CTO Peterson Management Services University Montana Cecilia Pan Managing Director Head of Finance & Modeling at edly Managing Director at Castle Placement Investment Bank SPV, counterparty risk at Bank of America Structured Credit at Merrill Lynch Structured Credit at Credit Suisse Columbia Business School, University of California, Berkeley Harry Birch Vice President Head of Product Development at edly Analyst at FlowPoint Education Management Head of Product at PLAAY Sports tech company Advisory Board Member & Acting CFO of EVAmore, music tech. platform Vanderbilt University