© 2016 Cloud Lending Inc. All rights reserved.

Cloud Lending Solutions OverviewLending Innovation Starts Here™

© 2016 Cloud Lending Inc. All rights reserved. 2

About Cloud Lending Solutions

Clients Worldwide

~100$10bn+Applications Processed

• Cloud-based, end-to-end lending platform for origination, underwriting, loan servicing and collections.

• Agile approach to quickly implement, extend, and digitize the entire lending lifecycle.

• For banks, traditional finance companies, online lenders, or marketplace platform.

• Lending to consumer, small business, commercial real estate, marketplace lending and leasing.

© 2016 Cloud Lending Inc. All rights reserved.

FinTech Market Disruption

3

FinTech

Social Media Cloud

Unbanked

MarketplaceUser Experience

MobileMillennials

© 2016 Cloud Lending Inc. All rights reserved.

Emerging FinTech is Challenging Incumbents to React on Price, Service and Convenience

4

Emerging FinTech

Legacy Systems Slow Moving

BANKS

SC

AL

E

Price ConvenienceUser

Experience

$

EF

FIC

IEN

CY

Manual

© 2016 Cloud Lending Inc. All rights reserved. 5

OURVISION

… enabling transparency and scale in their core business.

To realize the full potential of cloud for financial institutions …

© 2016 Cloud Lending Inc. All rights reserved.

Cloud Lending Solutions Today

6

PROVEN TECHNOLGY TO LENDING COMMUNITY

INNOVATION BACKBONE

FOR LENDERS BANKS

NON-BANKLENDERS/LESSORS

MARKETPLACE PLATFORMS

ONLINE LENDERS

END-TO-END SOLUTION

IMPLEMENT SCALE AUTOMATE

SINGLE SYSTEM OF RECORD

Unlike legacy technology platforms, Cloud Lending Solutions

customers get to market quickly with the secure and modern digital

products borrowers prefer.

QUICKLY CAPTUREMARKET SHARE

GREATER REVENUE

LOWER RISK

OPERATIONAL EFFICIENCY

© 2016 Cloud Lending Inc. All rights reserved.

What We Do

7

TraditionalAFC & Banks

Online &MarketplacePlatforms

UnsecuredConsumer

SmallBusiness

CommercialReal Estate

MarketplaceLending Leasing

Lending Solutions that Powers Approximately 100 lenders

Salesfore.com Cloud

Origination Underwriting Servicing Collections

© 2016 Cloud Lending Inc. All rights reserved.

Quick Facts

8

LoansProcessed

Established

2012HQ: California

$1B+

~100Customers

100+%Y-O-Y Revenue

Growth

23Countries

2,700+User Licenses

© 2016 Cloud Lending Inc. All rights reserved.

Our Customers

9

© 2016 Cloud Lending Inc. All rights reserved.

Cloud Lending Products

10

© 2016 Cloud Lending Inc. All rights reserved.

Part of a Complete Cloud Technology Platform

11

Back Office

CL Loan™CL Marketplace™

CRM Accounting Reporting

CL Originate™ CL Collections™CL Lease™

Powers Approximately 100 lenders

© 2016 Cloud Lending Inc. All rights reserved.

Cloud Lending End-to-end Solution

12

Originate

Underwrite

Funding Billing /Payments Re-structure Service

Customers

CL Originate CL Collections CL Loan

InvestFunds

BorrowerFunding

Repay Investors

CL Marketplace

Automate Operations

Manage Portfolio

Track Assets

CL Lease

Author Contract

Sales Cloud

Salesforce Ecosystem

ServiceCloud

FinancialForceCommunities App ExchangeHeroku Wave

AnalyticsMarketing

Cloud

Streamline Collections

ManagePortfolio

© 2016 Cloud Lending Inc. All rights reserved.

Configuration Architecture

13

Security

IaaS

Platform Services

SalesForceCRM Single RecordMobile

Services ChatterAPIs

3rd PartyData

Integrations

BackendWorkflowsObjectsPage

Layouts

Configuration and Workflows

Scoring/PricingRules

CollectionStrategies

Loan Products

Tasks, Workflows, Covenants A

AppExchange3rd Party Apps

Calling Text Support Documents Digital Sig .... 100’s more

Origination Servicing Collections

© 2016 Cloud Lending Inc. All rights reserved.

A Trusted Platform

14

Physical Security: Secure Data Centers, Network, Disaster Recovery, Backups, Security Monitoring

Access Security: Logon, Roles, Profiles, Permission Sets

Data Security: Object, Field, Record Level, Folder, EncryptionISO 27001/27018 SSAE 16/ISAE 3402 SOC 1SOC 2SOC 3PCI-DSSTRUSTe Certified Privacy SealCSA STAR

PII

Security Best Practices: Coding Standards, Testing and Certification

Network Security: Firewalls, Spam Filters, Intrusion detection, HTTPS, …

© 2016 Cloud Lending Inc. All rights reserved.

Cloud Lending Solutions: Value Proposition

15

“Single System of Record” Model

Highly Configurable

End-to-End Solution

Enable a World-ClassUser Experience

Proven CloudPlatform

© 2016 Cloud Lending Inc. All rights reserved.

About Cloud Lending SolutionsCloud Lending Solutions is a cloud-based, end-to-end lending platform delivering innovation to the global lending community. Unlike legacy technology platforms that are expensive to maintain and prevent agile response to market conditions, Cloud Lending Solutions’ clients take back control of their business by quickly implementing, extending, and digitizing the entire lending lifecycle. Cloud Lending Solutions’ single system of record is the market leading cloud solution supporting both consumer and commercial lending that scales for the needs of lenders of all sizes. Clients include banks, traditional finance companies, online lenders, and marketplace platforms.

Copyright © 2016, Cloud Lending Inc. All rights reserved.

Thank you+1-(650) 918-0499 | info@cloudlendinginc.com | www.cloudlendinginc.com

Social Media