1

Featuring theIntelligent Mortgage Platform®

Leading the Digital Evolution of Home

Lending

22

Our Mission

Transform the home lending experience

3

3

Skyline

March 2010: Dallas Capital leads a $3.6 million Series A

June 2009: Mr. Dallas purchased control of Skyline

December 2009: Mark Attaway joins as consultant and company begins building POS

1985: Skyline Financial founded in Southern California

November 2009: Skyline acquires certain assets of Security Pacific Home Loans, Inc. including call center MeandMyLoan

November 2011: Kyle Kamrooz joins the firm as head of product

2009 2010-2011 2012-2013 2014-15 cloudvirga

September 2009: Ellie Mae invests in Skyline to build the next-generation mortgage lender

September 2012: Skyline acquires certain assets of Online Consumer Lending, Inc. & technology assets

August 2013: Skyline pays off EllieMae note and warrants

October 2010: Upfront Ventures (GRP) leads a Series B Preferred capital investment of $8.15 million in Skyline with Dallas Capital and Chaparal Investments

June 2012: POS is launched at NewLeaf Lending. MeandMy Loan name is changed to iMP (intelligent mortgage platform)

Invested in best-in-class proprietary technology, systems, people Intelligent Mortgage Platform (iMP)

APRIL 2011: Ellie Mae (ELLI:NYSE) IPO raised $45m

December 2014: Dallas Capital, Upfront & Ellington lead Series C

January 2016: cloudvirga holdings, inc is created as a technology company based in Irvine, CA., and enters into a license agreement with Skyline for exclusive use and development of iMP. CV has right to purchase the IP for cash & note to Skyline.

July 2015: Skyline executes SaaS agreements with ditech, Americash and CapWest (Prospect) to use the iMP

cloudvirga℠ Intelligent Mortgage Platform®

44

Bill Dallas – CEOHistory of profitable investments in lending and technology.

$2b Public BankFounder, Board Member

Mortgage BankerFounder, Chairman, CEO sold to DLJMB, BofA, NCC $330M (6.6x)

Risk ManagementFounder, Chairman, sold to ISO/Verisk Analytic for $27m (3.9x)

Lending Process AutomationFounder, Chairman, sold to MDA for $20m (6.9x)

Mortgage BankerFounder, Chairman, CEO sold minority to Merrill Lynch $500MM (4x)

And building the future…