1. MBS 6th CU Small Business Summit May 5, 2015 Pierre Naudé

2. ©nCino Need for Speed in Lending

3. ©nCino Industry Outlook Loan Balances are Growing at a Record Pace at Credit Unions Total Loan Balances Data as of December 31, 2014

4. ©nCino Comparative Growth of Business Loan Portfolios Source: Peer to Peer Analytics by Callahan & Associates. Note: data includes MBL Loans and Unfunded Commitments Less Sold Participations and SBA Loans as a % of Assets

5. ©nCino Member Business Lending on the Rise Source: U.S. Small Business Administration. Note: excludes unfunded commitments.

6. ©nCino The Opportunity for Credit Unions Source: U.S. Small Business Administration

7. ©nCino Our Mission

8. ©nCino The Leader in Cloud Banking Founded in January 2012 Headquartered in Wilmington, N.C. 139 Employees (Over Half are Former Bankers) Approximately 90 Customers ($150 million - $200 billion) Raised Approximately $62M in Funding

9. ©nCino Lending Then…

10. ©nCino And Now

11. ©nCino Improve Efficiency

12. ©nCino Innovative Solution Interact Transact

13. ©nCino Member Portal  Start Application  Document Access  Check Status  Document Checklist  Facilitate Communication

14. ©nCino Benefits Quantified

15. ©nCino Customer Portfolio Credit UnionsBanks

16. ©nCino nCino Customer Success “We are excited about nCino’s ability to improve our credit unions’ relationship management with their business members, as well as serve the broader needs of those business members’ employees.” “Our partnership with nCino may be the single most important decision we will have made as a credit union. The way member facing employees can now serve our members with relationship data at their fingertips saves time, drives efficiency and ultimately makes our members happier.” -Robert Campbell, President & CEO -Jim Northington, Chief Credit Officer -Rob Harbin, Chief Information Officer -Colin Paterson, AVP Commercial Lending “Over my thirty year banking career I have seen lots of other loan origination systems. None compared to nCino’s Bank Operating System.” “We liked that both CRM functionality and loan origination are incorporated into the nCino Bank Operating System.”

17. ©nCino Member Business Solutions (MBS) Case Study

18. ©nCino MBS and nCino “With nCino, we can focus on credit union relationships – and their member relationships – as the CUSO grows.” -Jim Gallagher, President

19. ©nCino United Federal Credit Union Case Study