EXECUTIVE SUMMARY

• Experienced SaaS vendor with proven SaaS platforms in the

financial industry

• 500+ financial institutions processing millions of transactions

per month using our SaaS platforms

• Innovative technology company with extensive custom

development pedigree

• Wholly-owned and operated by original two co-founders since

inception in 1998

Who We Are

• End-to-End mortgage lending platform

• Single SQL database

• 100% browser-based

• Comprehensive five layer compliance management

• Seamless integrations including the only automated real-time

integration with ComplianceEase

• Unparalleled platform security, scalability and performance

• Full-service implementation and platform maintenance approach

Why the LendingQB LOS platform

• Private-Labeled Web Portals

• Broker/TPO

• Retail

• Consumer Direct

• Automated Underwriting and Loan Pricing Engine

• Extremely fast & intuitive Electronic Document Management System

• Real-time automated compliance checks

• Customized workflow configured for each client

• Custom Business Rules & Automated Task System

LendingQB LOS: Web-based, Seamless & End-to-end

Our Single Database Platform Drives the Five Layers of Compliance

RISK ASSESSMENT CONTROL MECHANISM

LAYER 1

LAYER 2

LAYER 3

LAYER 4

LAYER 5

Rigorous protection against

operational & regulatory mistakes

Eliminate resources wasted

on poor quality loan apps

Prevent staff from

making mistakes

Automatically guide users

through workflow

Automates Issue

Identification for Management

Ensure loans meet industry,

state & federal regs

Automated Underwriting

Business Rules

Task System

Scheduled Reports

Real-Time, Automated Compliance

Seamless Integrations

Integration Area Vendor/Agency TypeInitial Disclosures DocMagic, DocuTech, IDS (Q1) Seamless Integration

Closing Documents DocMagic, DocuTech, IDS (Q1) Seamless Integration

Anti-Predatory & State High-Cost DocMagic, ComplianceEase Seamless Integration

TIL Audits ComplianceEase Automated Seamless Integration

State Consumer Lending Laws ComplianceEase Automated Seamless Integration

State Licensing Regulations ComplianceEase Automated Seamless Integration

Identity Verification DataVerify Seamless Integration

Fraud Checks DataVerify Seamless Integration

Capital Markets MCT, MCM, Flatirons, Compass (Q2) Automated XML Push

Title Fee Packages FirstClose Title Seamless Integration

Credit Reports All Fannie Mae Approved Vendors Seamless Integration

Lead Management Leads360, mortgageCEO Seamless Integration

Appraisal Management GlobalDMS Seamless Integration

Appraisal Review and Scoring GlobalDMS Seamless Integration

FHA Connections FHA Seamless Integration

FHA Total Scorecard AUS FHA Seamless Integration

DU and DO Integratiion FNMA Integration to site with DU Findings Brought back into LQB

LP Integration FHLMC Integration to site with LP with Findings Brought back into LQB

MI (Best Ex) Radian, MGIC, Genworth and Essent Automated Seamless Integration

Flood RealEC Exchange (Q2), LPS, Corelogic Seamless Integration

Title RealEC Exchange (Q2) Seamless Integration

Partial List of Key Integrations

Additional LendingQB integrations will be developed on a per request basis and typically are incorporated into the clients agreement and implemented within standard platform implementation time-frames.

Our Infrastructure Drives Optimal Performance & Scalability

ADVANCED INFRASTRUCTURE

• Our data center is hosted, owned and maintained by us

• We have over 14 years of experience as a SaaS provider

• SSAE 16 Certified, TruSecure certified

• RI3PA/Payment Card Industry (PCI) compliant since 2008 (the only LOS vendor to have this level of security certification)

• Single relational SQL Database

• .NET Framework , Natively Built, Multi-Tenant Platform

DEMONSTRATED PERFORMANCE & SCALABILITY

• 500+ financial institutions processing millions

of transactions per month using our platforms

• MeridianLink/LendingQB has 30 Bank/Credit

Union Customers that exceed $2 Billion in

Assets

• Our Various Utilization Thresholds (Capacity, Bandwidth, etc.) are monitored to not exceed 40% utilization

• 12-month uptime is 99.998%

A Full-Service Approach to Implementation and Platform Maintenance

YOU CONFIGURE • YOU hire a project manager

• YOU are responsible for setting rules and workflow configuration

• YOU pay for additional resources to complete deployment

• YOU maintain the platform on an ongoing basis – adding to your costs

RESULTS IN

• Costly or failed LOS implementations

• Average implementation cycle times of 9 to 18 months

• Average additional resource costs between $100,000 and $500,000

WE CONFIGURE • WE handle all configuration and deployment

• WE are responsible for rules and all workflow

configuration

• WE provide custom development and

integrations

• WE continuously maintain the platform from

hosting to data security to system updates

RESULTS IN

• 100% successful implementation rate

• No hidden costs or resource requirements

• Average implementation cycle times of 90 days

Our High-Level Deployment Plan Illustrates that LendingQB does the Heavy Lifting

Task # GROUP TASK Responsibility Notes

4 Build LQB Suite Build investor products into system LendingQB

5 Build LQB Suite Build and maintain custom lender overlays LendingQB Lender provides overlays; LQB engineers implement them

6 Build LQB Suite Private-label loan programs LendingQB

8 Workflow Configuration Build and upload workflow diagram LendingQB

9 Workflow Configuration Implement business rules and automated tasks LendingQB

10 LOS Configuration Schedule and complete Admin training LendingQB

11 LOS Configuration Set up branch(es) LendingQB Lender provides information in Excel format; LQB batch uploads data

12 LOS Configuration Set up employees LendingQB Lender provides information in Excel format; LQB batch uploads data

13 LOS Configuration Setup DO/DU credit credentials LendingQB

14 LOS Configuration Set up Originating Companies LendingQB Lender provides information in Excel format; LQB batch uploads data

15 LOS Configuration Set up TPO user accounts LendingQB Lender provides information in Excel format; LQB batch uploads data

16 LOS Configuration Set up Correspondent user accounts LendingQB Lender provides information in Excel format; LQB batch uploads data

17 LOS Configuration Set up loan template(s) Lender

28 EDOCS Set up EDocs folders and doc types LendingQB Lender provides information in Excel format; LQB batch uploads data

29 EDOCS Set up DocMagic barcode integration mapping LendingQB Lender provides information in Excel format; LQB batch uploads data

30 EDOCS Set up EDocs fax number LendingQB

31 EDOCS Set up EDocs shipping templates LendingQB Lender provides information in Excel format; LQB batch uploads data

32 Pricing Configuration Setup pricing margins in Price Groups Lender

33 Pricing Configuration Setup Loan Origination Compensation Plans LendingQB Lender provides information in Excel format; LQB batch uploads data

34 Pricing Configuration

Ensure loan templates are using the correct

lender paid compensation option LendingQB

35 Pricing Configuration Verify pricing and eligibility results Lender38 Task Configuration Set up Processing needs list LendingQB Lender provides information in Excel format; LQB batch uploads data

39 Task Configuration Set up Underwriting Condition Choices list LendingQB Lender provides information in Excel format; LQB batch uploads data

40 Task Configuration Set up closing/post-closing check list LendingQB Lender provides information in Excel format; LQB batch uploads data

47 Reports Customize Pipeline reports for each role LendingQB

48 Reports Build reports LendingQB LendingQB can build the reports or lender can do it themselves

Excerpt of Sample High-Level Deployment Accountability List

LendingQB will Improve Your Bottom Line

• End-to-End

• Single SQL Database

• 100% Browser Based

• 5 Layer Compliance Management

• Innovative Integrations

• Security, Scalability and Performance

Our Platform

• We Deploy and Configure the Platform

• We Manage the Platform On-going

• We Custom Develop for Each Lender

Our Full-Service Approach

• Reduce Lender Costs by 50% Our Mission

Cost Savings • Save an estimated 100K to 200K in

Internal / External Implementation

Resources Implementation and

Configuration Costs

• Dramatically reduce DU/LP costs by using

LendingQB’s FHA Total Scorecard

Integration

• Reduce cost per loan by 25-45%

• Save $100K - $200K a year by using a

managed services solution that is a Web-

Based/End-to-End/Single Database

Platform which eliminates need for

additional resources to maintain

infrastructure and technology