Digital Drives Segmented Consumer Lending Strategy RCGILTNER Services, Inc. Digital Drives Segmented Consumer Lending Strategy 1

MinuteLender® We provide a turnkey, integrated digital lending business strategy for small business and consumer segments.

A. Efficiency and Profitability: Consumer Loans Consumer loans under $50,000 are unprofitable for community FIs, and pose compliance and operational risk. Digital lending allows full automation to provide efficiency, profitability and compliance control. For example, see how one bank below leverages home improvement lending through both HELOCs and a five minute consumer loan.

B. Integrated of Checking and Loan Strategy Our customers always target a new checking relationship or an existing one with loans under $100k because of its importance to profitability, credit quality and the relationship. The Importance of Checking with Digital Loans <$100k Customer Experience: Automated Offer with Checking Data; No Uploads. Credit Monitoring: Guarantor Credit, Deposits, NSFs and Loan Usage Customer Funding: Funds/Line Attached to Checking/Debit Card. Fraud: Funds Attached to Known Checking Underwriting: Credit Report and Checking Income Compliance: Checking BSA/CIP and Beneficiary (FINCEN) Relationship Profitability Checking Deposits and Loan

C. Customer Experience: Offer 1 Minute; Complete in 5 Minutes Activity Log 2:36 Loan Offer in One Minute: 2:36 – 2:37 2:37 Loan Complete: 2:42 2:42

D. Integrated Digital Marketing Full Marketing Support Marketing Performance

E. Full Compliance, Adverse Action and Alternatives Comprehensive Integrated Compliance and Adverse Action Options for Loan Alternatives for Your Declines We provide a compliant website and documents.

F. Automated Credit Monitoring and Renewals for All Loans Automated Renewals for All Loans

G. All Under Your Brand, Your Underwriting for Your Loans and Your Control No Speed Bumps Under Your Brand and Your Site Integration Options for Loan Alternatives for Your Declines Your Underwriting Your Control