2015 Skyline Financial Holdings Bill Dallas, CEO │ May 8, 2015

Saleto

NCC

Built several mortgage companies from the ground up

* Acquisition price, not company valuation. Skyline has been in business since 1985. Dallas acquired control in 2009 and has led a Series A, B, C and debt financing for the company.

Founder and CEO of First Franklin

Co-founded

small retail

brokerage

Recapwith DLJ

RecapwithCIVC,

DLJ sells

Saleto

BoA

Acquisition

withCIVC

Company valuation ($ in millions)

Recapwith

Merrill Lynch

Founder - Ownit

Skyline/NewLeaf

*

wind down Upfront

Ventures & Series

B

Acquisition Series

A

2

Series Cwith

Ellington

3

InterthinxRisk managementFounder, Chairmansold to ISO/Verisk Analytic for $27m (3.9x)

MindBoxLending process automationFounder, Chairmansold to MDA for $20m (6.9x)

In fintech & data too

Opportunity for non-banks

Peer to Peer Lending, Crowdfunding and fintech is the future of non-bank lending

Non-Banks

Banks

Big 4 Banks

55,000 10,000

Opportunity:

Take back share from banks and reinvent the home loan experience for the consumer

Share of the US mortgage market

# ofbrokers

2015

Skyline

5

Skyline & NewLeaf today

Hawaii

550+

$4bn+

30

3

Employees

Loan production 2015

Locations

Distribution Channels

Ranked in the Top 50 Mortgage Lenders in America in 2015 by Mortgage Executive Magazine, Headquartered in Calabasas, CA

6

7

We’ve reimagined the mortgage process

Secret Sauce8

most advanced tech

best people

unique products

a better way

Cutting-edge technology as the game changer

Digital Mortgage Tool (iMP)

• Q3 2015 targeted full utilization

• Already significantly reducing loan cycle times

• ONLY fully online app-2-close process in the country

• Integrated to mobile• Mortgage-in-a-Box for our

Realtors• Incubates buyers• Automates fulfillment process• 5000 loans through iMP• Check us out

newleaflending.com• Owned by same company that

built TrueCar

9

We are laser focused on compliance and lending responsibly

We are laser focused on compliance in agency and non-agency investor markets

Safe Act & NMLSMortgage Disclosure

Improvement Act

Regulation ZLoan Originator Compensation

The newConsumer Finance Protection Bureau

RESPA & New TIL

Dodd-Frank Wall St. Reform &

Consumer Protection Act

GSE reform &FHFA’s plan to deal

with Fannie & Freddie

Home ValuationCode of Conduct

10

Roadmap to Value

Opportunity

Differentiators

The BusinessOutcome

Take share from Banks

Purchase market doubles

Best team

Proprietary platform (iMP)

Proprietary Products

iMP

Products & tools

Purchase Experts

Growth: prudently grow share

Margin: structural cost advantage

Brokers

Loan officers

Consumers

Growing the business 5x in 5

$2.1b$10.3

b

$8$109

m

Loan Volume

EBIT

20192014

Thank youbd@skylinehomeloans.comMortgages Done Better. Finally. SM