Who We Are World Class Technology Company with Proven Success in Financial Services 100% Web-Based, End-to-End, Single Database LOS Platform Why We

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1 EXECUTIVE SUMMARY

2 Who We Are World Class Technology Company with Proven Success in Financial Services 100% Web-Based, End-to-End, Single Database LOS Platform Why We Are Different Single database is the cornerstone of a comprehensive 5-layered approach to compliance True Managed Services Platform for both implementation and ongoing management Most Experienced SaaS Vendor with the most secure platform in the industry How We Increase Lender s Profit ROI-Focused approach for innovation and implementation Proven to dramatically improve productivity and lower lenders cost per loan Managed Services SaaS Model Lowers Technology Ownership Costs

3 LendingQB is part of the MeridianLink Family 75% market share of independent credit reporting companies 400+ Credit Unions/Banks 36% market share of top 100 credit unions Added 25 new clients in the last 9 months

4 LendingQB (MeridianLink) is a World-Class Technology Company with a long history of demonstrated success. MeridianLink founded as privately-held California corporation Built E*Trade Mortgage Released DecisionAPP for indirect auto lending Launched LendingQB LOS Released PriceMyLoan (used by CitiMortgage) Selected as direct connect provider by Fannie Mae Released Mortgage Credit Link, first 100% online credit reporting solution Released LoansPQ for direct lending Released HomeLoanCenter platform which became LendingTree.com Released XpressAccounts as part of LoansPQ MeridianLink Processes over 3 million transactions for 20,000+ financial entities Mortgage Credit Link attains 75% market share among credit reporting companies LendingQB surpasses 65 LOS customers Built proprietary AUS for HUD (H4H Program) Second non-agency AUS approved to connect to FHA Total Scorecard Loans PQ Achieves 36% market share of top 100 credit unions Meridian Link has had the same ownership structure and has been cash flow positive since it s inception in 1998

5 LendingQB LOS: Web-Based, Seamless & End-to-End Consumer Portal Retail Portal Wholesale Portal Automated Underwriting & Loan Pricing Engine edocument Integration & esignatures Automated Compliance Title & Closing Documents Business Rules Workflow Automation 100% Web Solution

6 Integrations THIRD-PARTY SERVICE/PRODUCT VENDOR INTEGRATION Initial Disclosures DocMagic, DocuTech, IDS Closing Documents DocMagic, DocuTech, IDS Anti-Predatory & State High-Cost DocMagic, ComplianceEase TIL Audits ComplianceEase State Consumer Lending Laws ComplianceEase State Licensing Regulations ComplianceEase Identity Verification DataVerify Fraud Checks DataVerify Capital Markets MCT, MCM, Flatirons Title Fee Packages FirstClose Title Credit Reports All Fannie Mae Approved Vendors Lead Management Leads360, mortgageceo Appraisal Management GlobalDMS Appraisal Review and Scoring GlobalDMS

7 Our Single Database Platform Drives the Five Layers of Compliance RISK ASSESSMENT CONTROL MECHANISM Eliminate resources wasted on poor quality loan apps LAYER 1 Automated Underwriting Prevent staff from making mistakes LAYER 2 Business Rules Automatically guide users through workflow LAYER 3 Task System Automates Issue Identification for Management LAYER 4 Scheduled Reports Ensure loans meet industry, state & federal regs LAYER 5 Real-Time, Automated Compliance Rigorous protection against operational & regulatory mistakes

8 Full-Service Approach to Implementation: Faster Implementation Time, Less Cost to Clients and Reliable Implementation Success You Configure They provide you with a project manager We Configure All configuration and deployment included in pricing You are responsible for rules and workflow configuration Additional resources are charged per day or per hour We are responsible for rules and workflow configuration Custom development & integrations included in contract at no cost Results in Failed or Costly Implementations Some large vendors have over 50% failure rate Average Additional Resource Costs for implementations range from $100K to $500K Average Implementation Cycle Time is 9-18 months Ensures Deployment Success No Failed Implementations-100% Success Rate No Hidden Costs or Resource Needs-Client Drives the project and LQB does the heavy lifting Average Implementation Cycle Time is 90 days

9 LendingQB is the Most Experienced SAAS Vendor in the Industry, and Our Platform Performance and Security are World-Class Our SAAS Platforms.. Hosted in our own data center eliminating reliance on any third parties for system performance and security Where are the most experienced SAAS Vendor in the industry as all of our platforms are SAAS based and have been for over 12 years SSAE 16 Certified, Tru Secure certified since 2000 RI3PA/Payment Card Industry (PCI) compliant since We are the only LOS vendor to have this level of security certification Single relational SQL Database,.Net Framework, Natively Built Platform=Outstanding Performance and Scalability Because we are a multi-tenant platform Performance and Security are our platform s top two priorities Result in Demonstrated Performance and Scalability 50+ Clients Process a Minimum of 1000 Loan Applications (Includes Consumer and Mortgage Loan Products) Per Month. Over 700 Different Entities utilizing one or More of Our Platforms (many more if we count customers using the Credit Reporting Platform) Our Various Utilization Thresholds (Capacity, Bandwidth, etc.) are monitored to not exceed 40% utilization

10 World-Class Customer Support and Ongoing Platform Management: Higher Utilization with Lower Cost of Ownership for our Clients Traditional LOS Vendor Support Results in low vendor satisfaction/retention Our Customer Support is the Best in the Industry Resulting in High Utilization at lowest cost Vendors do not have instant support function and many times do not have a live voice answer support calls Mortech estimates current LOS Vendor Satisfaction is 58% LQB is the only LOS Vendor with an Instant Chat Support Function 93% of LQB Clients rate our LQB as good or excellent Five of our clients estimated that the average support response times from their previous vendor ranged from 2 hours to 36 hours! Lender must manage all configuration of rules and guidelines on an on-going basis requiring at least 1 additional FTE Our clients estimate that the average annual additional costs to maintain their previous vendors platforms ranged between 1-3 full time FTEs 73% of instant support chat tickets are responded within 1 minute or less All on-going configuration for rules, workflow, guidelines are managed by LQB, reducing lender resources by at least 1-2 FTEs LendingQB Support SLA s ensure rapid response times Our clients estimate a savings of $75K to $225K in annual resource maintenance requirements and costs

11 LendingQB Improves Your Bottom Line CUSTOMer Service We do the heavy lifting so our Lenders can focus on Lending End-to-End All Lending Activities on 1 Platform from 1 Vendor ROI- Focused Objective and measurable results Lender Benefits Reduce Annual Technology Cost of Ownership by 25% to 50% Reduce Your Cost Per Loan by $250 to $400 Resulting in an Estimated Annual ROI for LendingQB of over 6-12 Times!

12 Contact LendingQB View complete demonstration of platform capabilities Request an Enterprise Process Assessment (EPA) Talk to lenders currently using LendingQB (888) Bristol Street, Suite 550 Costa Mesa, California 92626