LendingPoint intro. Show how credit unions can better retain members as well as generate additional income to enhance the bottom line.

1. LendingPoint™ Partnership 2016©
2016
LendingPoint
LLC–
Proprietary
&
Confiden8al
™
LENDINGPOINT
Partnering with Credit Unions to provide
lending solutions to more members
seeking personal loans
CREDIT UNION
PARTNERSHIP
1

2. 2
LendingPoint™ Groove Car Partnership. 2016
WHOWE SERVE
WHATWE DO
HOWWE DO IT
WHEN“LIFE HAPPENS”
​ This allows the Credit Union to retain relationships,
acquire new ones, monetize marketing spend and
generate incremental fee income.
​ LendingPoint serves Credit Unions
interested in offering a second look
lending solution to near-prime and
re-emerging credit borrower
members.
​ ™

3. 3
WHOWE SERVE
WHATWE DO
HOWWE DO IT
WHEN“LIFE HAPPENS”
​ options to underserved near prime and re-
emerging credit members. We say yes more
often, even When Life Happens.
LendingPoint™ Groove Car Partnership. 2016
​ LendingPoint is a direct lender
that optimizes the intersection of
FinTech and Data Science to
offer fast, fair, and flexible loan
​ ™

4. 4
WHOWE SERVE
WHATWE DO
HOWWE DO IT
WHEN“LIFE HAPPENS”
LendingPoint™ Partnership. 2016
At LendingPoint we know the value of
understanding the re-emerging and fair
credit member’s story. Our proprietary
scoring model utilizes over 100 traditional
and non-traditional data sets along with
12+ credit risk categories, allowing us to
deliver fast, fair and flexible loans to more
of your members.
​ ™

5. WHOWE SERVE
WHATWE DO
HOWWE DO IT
WHENLIFE HAPPENS
​ LendingPoint is there When Life
Happens for your members. Say
YES to LendingPoint and you’ll be
able to say YES to more near-prime
and re-emerging credit members.
​
LendingPoint™ Partnership 2016 5

6. Fast. Fair. Flexible.
h>ps://www.trustpilot.com/review/www.lendingpoint.com
TARGET MARKET
600 up to 675 FICO
$20,000 + Annual Income
Employed / Self Employed
or Retired
TARGET PRODUCT
$3,500 to $20,000 Loan Size
12 - 48 Month Term
Fixed 17.46% up to 34.99% APR
Unsecured Loan
No prepayment penalty
USE OF FUNDS
Debt
Consolidation
Auto
Needs
Home Repair /
Improvement
Major Purchase
/ Expense
Medical /
Dental
Moving Vacation /
Travel
Credit Card
Refinancing
Car
Financing
Taxes
LendingPoint™ Partnership. 2016 6

7. 1
​ Submit
​ applications
​ into our API,
link to
website,
email, warm
transfer
Referral Connectivity
5 Easy Steps
2
​ We instantly
​ reply with
​ 3 offers
​ or notify if
​ declined
3
​ Member
​ accepts offer
​ and provides
​ back up
documentation
4
​ Member
​ is approved
​ Docs sent for
​ E-signature 5
​ Doc’s E-signed,
funds deposited in
24 hours, status
report to Credit
Union is available
same day
Efficient
Instant
Decisions
Provide
More
Yes’s
Mone8ze
Marke8ng
Spend
LendingPoint™ Partnership. 2016 7

8. 8
Example Cobranded URL
Direct
Members
to
Web
Custom
Portal
Access
URL / Portal
LendingPoint™ Partnership 2016

9. Why LendingPoint
Efficient, instant decisions
Provide loan options and quality service to
those who do not otherwise qualify for
typical financing
Monetize marketing spend and improve
marketing efficiency
Earn non-interest incremental income from
referrals
Retain member relationships
Acquire new member relationships
Credit Union Partner Benefits
™
LendingPoint™ Partnership 2016 9

10. Benefits for the
Credit Union
LendingPoint™ Partnership 2016 10
Retains members
Provides quality service to those who
do not qualify for typical credit union
financing
Help improve the members’ credit score
The credit union earns non-interest
income
Your members win
The Credit Union wins

11. LendingPoint™ Partnership 2016 11
Once the members’ credit
improved LendingPoint™
will graduate the member
back to the credit union
Our Goal is to
Graduate Your
Member

12. 12
More About Us
LendingPoint™ Partnership 2016
LendingPoint’s award-winning team holds
intellectual patents for unique modeling of data and
credit scoring. Our work has previously been
distinguished by the American Business Awards,
The Bizz Awards, Information Week 500, and the
Monarch Innovation Award for our ability to build
fast, scalable credit decision systems that use non-
traditional data to identify opportunities in gray
areas of credit.
AWARD WINNING TEAM
Quantum Analytics™, LendingPoint’s proprietary
predictive credit-analytics platform, broadens credit
decision criteria and enables even more qualified
members to rapidly access money at the point of
need - with fair rates and flexible terms.
• Seamless​ integration
• Real-time decision engine
• Say “YES” more often
QUANTUM ANALYTICS™

13. Award Winning Multidisciplinary Team:
• Experience growing funding portfolio to over $1B yearly
• Intellectual patents for unique modeling of data and credit scoring
• We understand the value of data
• Experience in international operations and emerging market opportunities
• 50+ years combined financial and payment industry experience
• 24+ years credit union experience
We’ve Done It Before:
• Created disruptive technologies in the lending space
• Built fast and scalable credit decision systems
• Deep experience distinguishing risk in gray areas of credit
• Comprehensive understanding of the regulatory environment
• Full financial services PCI compliant (security)
• Management background in large scale multifunctional 1,200 seat ops center serving world-
class institutions, such as:
13
Award Winning Team
LendingPoint™ Partnership 2016

14. 14
When life happens
LendingPoint™ Partnership 2016