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

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

3. 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.

4. 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

5. 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

6. D. Integrated Digital Marketing
Full Marketing Support
Marketing Performance

7. 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.

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

9. 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