<SEC-DOCUMENT>0001477932-21-001969.txt : 20210401
<SEC-HEADER>0001477932-21-001969.hdr.sgml : 20210401
<ACCEPTANCE-DATETIME>20210401142458
ACCESSION NUMBER:		0001477932-21-001969
CONFORMED SUBMISSION TYPE:	6-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20210401
FILED AS OF DATE:		20210401
DATE AS OF CHANGE:		20210401

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Mogo Inc.
		CENTRAL INDEX KEY:			0001602842
		STANDARD INDUSTRIAL CLASSIFICATION:	FINANCE SERVICES [6199]
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			A1
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		6-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-38409
		FILM NUMBER:		21797469

	BUSINESS ADDRESS:	
		STREET 1:		2100-401 WEST GEORGIA STREET
		CITY:			VANCOUVER
		STATE:			A1
		ZIP:			V6B 5A1
		BUSINESS PHONE:		604-659-4380

	MAIL ADDRESS:	
		STREET 1:		2100-401 WEST GEORGIA STREET
		CITY:			VANCOUVER
		STATE:			A1
		ZIP:			V6B 5A1

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	Mogo Finance Technology Inc.
		DATE OF NAME CHANGE:	20140317

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	Mogo Finance Technology, Inc.
		DATE OF NAME CHANGE:	20140317
</SEC-HEADER>
<DOCUMENT>
<TYPE>6-K
<SEQUENCE>1
<FILENAME>mogo_6k.htm
<DESCRIPTION>FORM 6-K
<TEXT>
<html><head><title>mogo_6k.htm</title><!--Document created using EDGARMaster--></head><body style="text-align:justify;font-size:10pt;margin-left:7%;margin-right:7%;font-family: Times New Roman"><TABLE style="FONT-SIZE: 1px; WIDTH: 100%">

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<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: center; MARGIN: 0px"><STRONG>UNITED STATES</STRONG></P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: center; MARGIN: 0px"><STRONG>SECURITIES AND EXCHANGE COMMISSION</STRONG></P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: center; MARGIN: 0px"><STRONG>Washington, D.C. 20549</STRONG>&nbsp;</P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: justify; MARGIN: 0px">&nbsp;</P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: center; MARGIN: 0px"><STRONG><FONT style="FONT-SIZE: 18pt">FORM 6-K</FONT></STRONG>&nbsp;</P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: justify; MARGIN: 0px">&nbsp;</P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: center; MARGIN: 0px"><STRONG>REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16</STRONG></P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: center; MARGIN: 0px"><STRONG>UNDER THE SECURITIES EXCHANGE ACT OF 1934</STRONG></P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: justify; MARGIN: 0px">&nbsp;</P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: center; MARGIN: 0px">For the month of <STRONG>April 2021</STRONG></P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: justify; MARGIN: 0px">&nbsp;</P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: center; MARGIN: 0px">Commission File Number: <STRONG>001-3</STRONG><STRONG>8409</STRONG></P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: justify; MARGIN: 0px">&nbsp;</P>
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<P style="TEXT-ALIGN: center; MARGIN: 0px"><STRONG><FONT style="FONT-SIZE: 18pt">Mogo Inc.</FONT></STRONG></P></TD></TR>
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<TD>
<P style="TEXT-ALIGN: center; MARGIN: 0px">(formerly Mogo Finance Technology Inc.)</P></TD></TR></TABLE>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px">&nbsp; </P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: center; MARGIN: 0px"><STRONG>2100-401 West Georgia St.</STRONG></P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: center; MARGIN: 0px"><STRONG>Vancouver, British Columbia</STRONG></P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: center; MARGIN: 0px"><STRONG><U>V6B 5A1, Canada</U></STRONG></P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: center; MARGIN: 0px">(<EM>Address of principal executive office</EM>s)</P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: center; MARGIN: 0px">&nbsp;</P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: justify; MARGIN: 0px">Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F.</P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: justify; MARGIN: 0px">&nbsp;</P>
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<P style="TEXT-ALIGN: center; MARGIN: 0px"><FONT style="FONT-FAMILY: wingdings">o </FONT>Form 20-F</P></TD>
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<P style="TEXT-ALIGN: center; MARGIN: 0px">&#9746;&nbsp;&nbsp; Form 40-F</P></TD>
<TD style="WIDTH: 25%">
<P style="MARGIN: 0px">&nbsp;</P></TD></TR></TABLE>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: justify; MARGIN: 0px">&nbsp;</P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: justify; MARGIN: 0px">Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(1): &#9744;</P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: justify; MARGIN: 0px">&nbsp;</P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: justify; MARGIN: 0px">Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(7): &#9744;</P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: justify; MARGIN: 0px">&nbsp;&nbsp;</P>
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<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px">&nbsp;</P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: center; MARGIN: 0px"><STRONG>SIGNATURES</STRONG></P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: justify; MARGIN: 0px">&nbsp;</P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: justify; MARGIN: 0px">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.</P>
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<P style="MARGIN: 0px">&nbsp;</P></TD>
<TD style="VERTICAL-ALIGN: top" colSpan=2>
<P style="MARGIN: 0px"><STRONG>Mogo Inc.</STRONG></P></TD>
<TD>
<P style="MARGIN: 0px">&nbsp;</P></TD></TR>
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<TD style="WIDTH: 50%">
<P style="MARGIN: 0px">&nbsp;</P></TD>
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<P style="MARGIN: 0px">&nbsp; </P></TD>
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<P style="MARGIN: 0px">Date: April 1, 2021</P></TD>
<TD style="VERTICAL-ALIGN: top">
<P style="MARGIN: 0px">By:</P></TD>
<TD style="VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 1px solid">
<P style="MARGIN: 0px"><EM>/s/ Gregory Feller</EM></P></TD>
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<P style="MARGIN: 0px">&nbsp;</P></TD></TR>
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<P style="MARGIN: 0px">&nbsp;</P></TD>
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<TD style="VERTICAL-ALIGN: bottom">
<P style="MARGIN: 0px">Name: Gregory Feller</P></TD>
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<P style="MARGIN: 0px">&nbsp;</P></TD></TR>
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<P style="MARGIN: 0px">&nbsp;</P></TD>
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<P style="MARGIN: 0px">&nbsp;</P></TD>
<TD style="VERTICAL-ALIGN: top" colSpan=2>
<P style="MARGIN: 0px">Title: President &amp; Chief Financial Officer</P></TD></TR></TABLE>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: justify; MARGIN: 0px">&nbsp;&nbsp;</P>
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<P style="TEXT-ALIGN: center; MARGIN: 0px">2</P></TD></TR>
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<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px">&nbsp;</P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: center; MARGIN: 0px"><STRONG>Form 6-K Exhibit Index</STRONG></P>
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<P style="TEXT-ALIGN: center; MARGIN: 0px"><STRONG>Exhibit Number</STRONG></P></TD>
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<P style="TEXT-ALIGN: center; MARGIN: 0px">&nbsp;</P></TD>
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<P style="MARGIN: 0px"><STRONG>Document Description</STRONG></P></TD></TR>
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<P style="TEXT-ALIGN: center; MARGIN: 0px">&nbsp;</P></TD>
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<P style="TEXT-ALIGN: center; MARGIN: 0px"><A href="mogo_ex991.htm">99.1</A></P></TD>
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<P style="TEXT-ALIGN: left; MARGIN: 0px">&nbsp;</P></TD>
<TD style="VERTICAL-ALIGN: top">
<P style="MARGIN: 0px"><A href="mogo_ex991.htm">Material change report dated April 1, 2021 regarding binding letter of intent with Moka Financial Technologies Inc.</A></P></TD></TR></TABLE>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: justify; MARGIN: 0px">&nbsp;</P>
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<P style="TEXT-ALIGN: center; MARGIN: 0px">3</P></TD></TR></TABLE>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px">&nbsp;</P></body></html>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>mogo_ex991.htm
<DESCRIPTION>MATERIAL CHANGE REPORT
<TEXT>
<html><head><title>mogo_ex991.htm</title><!--Document created using EDGARMaster--></head><body style="text-align:justify;font-size:10pt;margin-left:7%;margin-right:7%;font-family: Times New Roman"><P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: right; MARGIN: 0px"><STRONG><FONT style="FONT-FAMILY: times new roman,serif; FONT-WEIGHT: bold">EXHIBIT 99.1</FONT></STRONG></P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px">&nbsp;</P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: center; MARGIN: 0px"><STRONG><FONT style="FONT-FAMILY: times new roman,serif; FONT-WEIGHT: bold">Form 51-102F3</FONT></STRONG></P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: center; MARGIN: 0px"><STRONG><EM><FONT style="FONT-FAMILY: times new roman,serif; FONT-WEIGHT: bold; FONT-STYLE: italic">Material Change Report</FONT></EM></STRONG> </P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px">&nbsp;</P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px">&nbsp;</P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN: 0px"><STRONG><FONT style="FONT-FAMILY: times new roman,serif; FONT-WEIGHT: bold">Item 1. Name and Address of Company</FONT></STRONG> </P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px">&nbsp;</P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN: 0px"><FONT style="FONT-FAMILY: times new roman,serif">Mogo Inc. (the &#8220;<STRONG><FONT style="FONT-WEIGHT: bold">Company</FONT></STRONG>&#8221; or &#8220;<STRONG><FONT style="FONT-WEIGHT: bold">Mogo</FONT></STRONG>&#8221;)</FONT></P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN: 0px"><FONT style="FONT-FAMILY: times new roman,serif">2100 &#8211; 401 West Georgia Street </FONT></P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN: 0px"><FONT style="FONT-FAMILY: times new roman,serif">Vancouver, British Columbia V6B 5A1</FONT></P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px">&nbsp;</P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN: 0px"><STRONG><FONT style="FONT-FAMILY: times new roman,serif; FONT-WEIGHT: bold">Item 2. Date of Material Change</FONT></STRONG> </P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px">&nbsp;&nbsp;&nbsp;&nbsp;</P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN: 0px"><FONT style="FONT-FAMILY: times new roman,serif">March 22, 2021.&nbsp; </FONT></P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px">&nbsp;</P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN: 0px"><STRONG><FONT style="FONT-FAMILY: times new roman,serif; FONT-WEIGHT: bold">Item 3. News Release</FONT></STRONG> </P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px">&nbsp;</P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: justify; MARGIN: 0px"><FONT style="FONT-FAMILY: times new roman,serif">A news release in respect of the material change was disseminated on March 23, 2021 via Globe NewsWire. </FONT></P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px">&nbsp;&nbsp;</P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN: 0px"><STRONG><FONT style="FONT-FAMILY: times new roman,serif; FONT-WEIGHT: bold">Item 4. Summary of Material Change</FONT></STRONG>&nbsp;</P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: justify; MARGIN: 0px">&nbsp;</P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: justify; MARGIN: 0px">Mogo and Moka Financial Technologies Inc. (&#8220;<STRONG>Moka</STRONG>&#8221;) have entered into a binding letter of intent dated March 22, 2021 (the &#8220;<STRONG>LOI</STRONG>&#8221;), pursuant to which Mogo has agreed to acquire all of the issued and outstanding equity interests of Moka (the &#8220;<STRONG>Moka Shares</STRONG>&#8221;), including all securities convertible into equity interests of Moka, in exchange for the issuance of an aggregate of 5,000,000 common shares in the capital of Mogo (&#8220;<STRONG>Mogo Shares</STRONG>&#8221;), subject to potential downward adjustments for working capital, and the assumption of net debt of Moka in the approximate amount of $3,000,000 (the &#8220;<STRONG>Transaction</STRONG>&#8221;). </P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px">&nbsp;</P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN: 0px"><STRONG><FONT style="FONT-FAMILY: times new roman,serif; FONT-WEIGHT: bold">Item 5. Full Description of Material Change</FONT></STRONG> </P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px">&nbsp;&nbsp;</P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN: 0px"><STRONG><FONT style="FONT-FAMILY: times new roman,serif; FONT-WEIGHT: bold">5.1 Full Description of Material Change</FONT></STRONG> </P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px">&nbsp;</P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: justify; MARGIN: 0px"><FONT style="FONT-FAMILY: times new roman,serif">On March 22, 2021 Mogo and Moka entered into the LOI with respect to the Transaction. Pursuant to the LOI, Mogo and Moka have agreed that:</FONT></P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px">&nbsp; </P>
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<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px">(a) </P></TD>
<TD style="VERTICAL-ALIGN: top">Mogo will acquire all of the issued and outstanding Moka Securities;</TD></TR>
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<TD>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; TEXT-INDENT: 30px">&nbsp;</P></TD>
<TD>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; TEXT-INDENT: 30px">&nbsp;</P></TD>
<TD>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px">&nbsp;</P></TD></TR>
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<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px">&nbsp;</P></TD>
<TD style="VERTICAL-ALIGN: top">
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px">(b) </P></TD>
<TD style="VERTICAL-ALIGN: top">
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: justify; MARGIN: 0px">the vesting of all outstanding options to purchase shares of Moka will be accelerated and, any options that have not been exercised on or prior to the closing of the Transaction will be terminated without further action, formality or payment of consideration to the holders of such options;</P></TD></TR>
<TR style="HEIGHT: 15px">
<TD>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; TEXT-INDENT: 30px">&nbsp;</P></TD>
<TD>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; TEXT-INDENT: 30px">&nbsp;</P></TD>
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<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px">&nbsp;</P></TD></TR>
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<TD>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px">&nbsp;</P></TD>
<TD style="VERTICAL-ALIGN: top">
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px">(c) </P></TD>
<TD style="VERTICAL-ALIGN: top">Mogo will assume approximately $3,000,000 in net debt of Moka; and</TD></TR>
<TR style="HEIGHT: 15px">
<TD>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; TEXT-INDENT: 30px">&nbsp;</P></TD>
<TD>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px; TEXT-INDENT: 30px">&nbsp;</P></TD>
<TD>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px">&nbsp;</P></TD></TR>
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<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px">&nbsp;</P></TD>
<TD style="VERTICAL-ALIGN: top">
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px">(d) </P></TD>
<TD style="VERTICAL-ALIGN: top">
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: justify; MARGIN: 0px">Mogo will issue an aggregate of 5,000,000 Mogo Shares to the holders of Moka Shares in exchange for their Moka Shares, subject to potential downward adjustments at closing based on the working capital position of Moka.</P></TD></TR></TABLE>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px">&nbsp; </P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px">Mogo and Moka have agreed to enter into a further definitive agreement consistent with the terms of the LOI (the &#8220;<STRONG>Definitive Agreement</STRONG>&#8221;) to set out the detailed terms of the Transaction. Subject to further agreement of Mogo and Moka, the Transaction may be structured as a share exchange, statutory plan of arrangement under Section 192 of the <EM>Canada Business Corporations</EM> Act or some other form of business combination transaction. Moka has procured voting support agreements with respect to the Transaction from Moka&#8217;s senior management, board members, and key outside shareholders representing no less than two thirds of the outstanding Moka Securities.&nbsp;<FONT style="FONT-FAMILY: times new roman,serif"><FONT style="FONT-FAMILY: times new roman,serif"><FONT style="FONT-FAMILY: times new roman,serif"><FONT style="FONT-FAMILY: times new roman,serif">&nbsp;</FONT></FONT></FONT></FONT></P>
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<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px">Following completion of the Transaction, Mogo is expected to hold 100% of Moka&#8217;s equity securities and the current holders of Moka Securities are expected to hold, as a group, less than 10% of the outstanding Mogo Shares. </P>
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<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: justify; MARGIN: 0px">The Transaction is subject to certain regulatory approvals, in addition to other customary closing conditions for a transaction of this nature and is expected to close in the second quarter of 2021. The issuance of Mogo Shares under the Transaction is subject to the approval of the Toronto Stock Exchange. </P>
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<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px">All Mogo Shares issued in connection with the Transaction will be subject to minimum six-month escrow restrictions with additional escrow and vesting restrictions for certain Moka employees and shareholders. </P>
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<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px">Subject to applicable laws and satisfaction of any applicable independence or other governance requirements, Mogo has further agreed to use its commercial best efforts to nominate Liam Cheung, the current Chairman of Moka, for election to the board of directors of Mogo at the next annual general meeting of shareholders of Mogo at which directors are nominated for election.</P>
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<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: justify; MARGIN: 0px">The LOI may be terminated at any time: (a) by mutual agreement of Mogo and Moka; (b) automatically upon execution of the Definitive Agreement; (c) by Mogo or Moka if the Transaction is not completed by July 1, 2021 or such later date as agreed by Mogo and Moka, other than as a result of a material breach or misrepresentation under the LOI by the terminating party; (d) by Mogo or Moka if any regulatory authority permanently restrains or prohibits any part of the Transaction; or (e) by Mogo or Moka if the other party is in default of a material covenant or obligation under the LOI or any representation or warranty of the other party in the LOI is untrue or incorrect in any material respect and such default or misrepresentation is not cured after three business days&#8217; written notice thereof.</P>
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; MARGIN: 0px">&nbsp;</P><FONT style="FONT-FAMILY: times new roman,serif"><FONT style="FONT-FAMILY: times new roman,serif"><FONT style="FONT-FAMILY: times new roman,serif"><FONT style="FONT-FAMILY: times new roman,serif"><FONT style="FONT-FAMILY: times new roman,serif"><FONT style="FONT-FAMILY: times new roman,serif"><FONT style="FONT-FAMILY: times new roman,serif"><FONT style="FONT-FAMILY: times new roman,serif"><FONT style="FONT-FAMILY: times new roman,serif"><FONT style="FONT-FAMILY: times new roman,serif">
<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: justify; MARGIN: 0px"><FONT style="FONT-FAMILY: times new roman,serif">This material change report does not constitute an offer to sell or the solicitation of an offer to buy any securities. </FONT></P>
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<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: justify; MARGIN: 0px"><EM><FONT style="FONT-FAMILY: times new roman,serif; FONT-STYLE: italic">FORWARD-LOOKING INFORMATION AND FORWARD-LOOKING STATEMENTS: </FONT></EM></P>
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<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: justify; MARGIN: 0px"><EM>This material change report contains certain &#8220;forward-looking information&#8221; within the meaning of applicable Canadian securities laws. Forward-looking information and forward-looking statements (together, &#8220;<STRONG>forward-looking statements</STRONG>&#8221;) are frequently characterized by words such as &#8220;plan&#8221;, &#8220;expect&#8221;, &#8220;project&#8221;, &#8220;intend&#8221;, &#8220;believe&#8221;, &#8220;anticipate&#8221;, &#8220;estimate&#8221;, &#8220;potential&#8221;, &#8220;possible&#8221; and other similar words, or statements that certain events or conditions &#8220;may&#8221;, &#8220;will&#8221;, &#8220;could&#8221;, or &#8220;should&#8221; occur. Forward-looking statements in this material change report include, but are not limited to, statements with respect to the Transaction, including the anticipated closing date and terms of the Definitive Agreement. </EM></P><FONT style="FONT-FAMILY: times new roman,serif"><FONT style="FONT-FAMILY: times new roman,serif"><FONT style="FONT-FAMILY: times new roman,serif"><FONT style="FONT-FAMILY: times new roman,serif"><FONT style="FONT-FAMILY: times new roman,serif"><FONT style="FONT-FAMILY: times new roman,serif"><FONT style="FONT-FAMILY: times new roman,serif">
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<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: justify; MARGIN: 0px"><EM><FONT style="FONT-FAMILY: times new roman,serif; FONT-STYLE: italic">All such forward-looking statements are based on certain assumptions and analyses made by management in light of their experience and perception of historical trends, current conditions and expected future developments, as well as other factors management believe are appropriate in the circumstances. In addition, all forward-looking information and statements are subject to a variety of risks and uncertainties and other factors that could cause actual events or results to differ materially from those projected in the forward-looking statements including, but not limited to, the failure of parties to contracts to honour contractual commitments, the failure to obtain applicable consents and regulatory or stock exchange approvals in connection with the Transaction; unexpected changes in laws, rules or regulations, or their enforcement by applicable authorities; the failure of parties to contracts to perform as agreed; unanticipated changes in key management personnel and general economic, market or business conditions and other factors described in the Company&#8217;s most recent annual information form and management discussion and analysis filed on SEDAR on www.sedar.com. Readers are cautioned not to place undue reliance on forward-looking statements. </FONT></EM></P>
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<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: justify; MARGIN: 0px"><EM><FONT style="FONT-FAMILY: times new roman,serif; FONT-STYLE: italic">Although the forward-looking statements contained in this material change report are based upon what management of the Company believes are reasonable assumptions, the Company cannot assure investors that actual results will be consistent with these forward-looking statements. These forward-looking statements are made as of the date of this material change report and are expressly qualified in their entirety by this cautionary statement. Subject to applicable securities laws, the Company does not assume any obligation to update or revise the forward-looking statements contained herein to reflect events or circumstances occurring after the date of this material change report.</FONT></EM> </P>
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<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN: 0px"><STRONG><FONT style="FONT-FAMILY: times new roman,serif; FONT-WEIGHT: bold">5.2 Disclosure for Restructuring Transactions</FONT></STRONG>
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<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN: 0px"><FONT style="FONT-FAMILY: times new roman,serif">Not applicable.
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<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN: 0px"><STRONG><FONT style="FONT-FAMILY: times new roman,serif; FONT-WEIGHT: bold">Item 6. Reliance on subsection 7.1(2) of National Instrument 51-102</FONT></STRONG> </P>
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<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN: 0px"><STRONG><FONT style="FONT-FAMILY: times new roman,serif; FONT-WEIGHT: bold">Item 7. Omitted Information</FONT></STRONG> </P>
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<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN: 0px"><FONT style="FONT-FAMILY: times new roman,serif">Not applicable.
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<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN: 0px"><STRONG><FONT style="FONT-FAMILY: times new roman,serif; FONT-WEIGHT: bold">Item 8. Executive Officer</FONT></STRONG> </P>
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<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: justify; MARGIN: 0px"><FONT style="FONT-FAMILY: times new roman,serif">Gregory Feller, the President and Chief Financial Officer of the Company is knowledgeable about the material change described above. His business telephone number is 1-800-980-6646.
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<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN: 0px"><STRONG><FONT style="FONT-FAMILY: times new roman,serif; FONT-WEIGHT: bold">Item 9. Date of Report</FONT></STRONG> </P>
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<P style="FONT-SIZE: 10pt; FONT-FAMILY: times new roman; TEXT-ALIGN: left; MARGIN: 0px"><FONT style="FONT-FAMILY: times new roman,serif">April 1, 2021.</FONT>
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