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Featuring theIntelligent Mortgage Platform®

Leading the Digital Evolution of Home

Lending

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Our Mission

Transform the home lending experience

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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®

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Key Investment Considerations MASSIVE AND GROWING MARKET OPPORTUNITY

Focused on $1.3 trillion residential mortgage market Technology designed to impact the tens of billions of dollars spent today to originate mortgage each year Mortgage technology is currently dominated by archaic solutions that have not been invested in or improved in years Mortgage technology is also characterized by a fragmented market of many single function technology solutions

EXCEPTIONAL MANAGEMENT TEAM Management team with experience and track record building mortgage origination companies and building other

groundbreaking technologies for the mortgage industry Bill Dallas and Mark Attaway are well known names in the mortgage industry

DISRUPTIVE AND PROPRIETARY TECHNOLOGY END PRODUCTS Cloudvirga’s Intelligent Mortgage Platform® disrupts the mortgage industry with two key components:

Point of Sale Solution (POS) - powers lenders/banks/affinities to create an efficient & transparent consumer experience Automated Fulfillment Engine (AFE) - reduces loan costs and offers a better consumer experience

MARKET AND CLIENT ACCEPTANCE Cloudvirga has already garnered the support of some of the industry’s leading originators, including Skyline, Ditech, Americash

and Cap West Just with these initial clients, CloudVirga is expecting over $4.5mm in revenue for 2016

HIGH-GROWTH AND PROFITABLE BUSINESS MODEL Demonstrated growth right from the start, with significant pipeline for the coming years Compelling SaaS operating model yields strong profitability in the very near-term

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The ProblemANTIQUATED30 year-old manual process

DIFFICULTMore and more compliance

EXPENSIVEMassive redundancy and human capital needed

SCATTEREDFragmented vendor partners

HIGH-RISKPoor methods to protect data integrity

INCONSISTENTInconsistent experience for the consumer

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Empower the consumer Better workflow to reduce cost Data-driven results

The Solution: Digitize the Process

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POINT OF SALEWeb and mobile technology that empowers the consumer to be able to easily shop, price, apply and get approval in 45 minutes and close loan in 12-15 days

FULFILLMENTDigitizes and automates the loan origination process, dramatically reducing the costs, time and risks to close and sell a loan

The old way The new way

The Answer: Intelligent Mortgage Platform®

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LENDERS…LOWER COSTS & ERRORS Reduce cost to produce by automating 60-70% of the loan process, driving fulfillment cost from an average of $2,600 per loan to less than $800 per loan; consistency; speed and improved experience; reduces manual process and errors

CONSUMERS…EMPOWERMENTGive consumer choice and control, work at their own pace; on their own or with trusted advisor, immediate approvals, better pricing, quicker closing

REALTORS…HOME SEARCH & QUALIFYIntegrated mobile and web portals combining “home search”, intent to proceed, and qualifying for home buyers. Solution to replace MSA, JVs for builders and realtors

INVESTORSProvides purchase certainty; reduces repurchase risk; uses data not documents to comply; provides fraud “misrep” insurance on each loan

Results

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A point of sale system that powers lenders/banks/affinities; connects the home buying process to our realtor partners and creates an efficient & transparent consumer experience :

Transparent rates and fees

Simple online application

E sign disclosures and documents

Supports self-serve and Loan Officer assisted process (Tech when you need it, sales rep when you don’t)

Cloud based – 7/24 access

Co-Branded for Affinity Relationships

Full Mobile experience – what can you afford, shop for rates, and home search

Integrated to Real Estate Search across the country

iMP – Point of Sale Solution

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iMP – Point of Sale Solution

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iMP – Point of Sale Solution (Cont.)

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A full-service fulfillment platform for affinity groups, lenders, banks, and credit unions that reduces loan costs, offers a better consumer experience and provides investors with purchase certainty and a fraud guaranty

Intelligent task driven workflow and rules engine that automates and orchestrates the processes necessary to close a loan

5x increase in loans per FTE

Creates consistency & efficiency from loan application to closing where technology, not people, drive the loan cycle

Allows partners and customers to focus on sales and marketing, not the fulfillment

Secure & Scalable Cloud Based system

Highly Compliant – Integrates to best of breed vendors for pricing, fees, fraud detection, documents, etc.

Loan level misrepresentation insurance adds purchase certainty to investors

iMP – Automated Fulfillment Engine

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iMP – Automated Fulfillment Engine

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Rethink Lending iMP = POS + AFE

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The Opportunity

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Mortgage Tech Landscape – Seeking Innovation

Technology Incumbents

Antiquated technology Not currently investing in technology Historically, have faced little competition Often part of larger diversified companies

that cannot be nimble

Characteristics

New Entrants

Lacking Mortgage Industry DNA Narrow, Focused Solutions

A number of new mortgage focused technology companies have emerged and have attracted capital, but they basically fall into two general categories

Mortgage Technology from Mortgage Professionals

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Significant New Customer Pipeline

CV has a number of prospective near-term clients that will drive meaningful growth in the coming years

CLIENT A:10,000 loans $1.75M annual revenue opportunity CLIENT B: 25,000 loans $4.375M annual revenue opportunity CLIENT C: 5,000 loans, POS only, $.400M annual revenue opportunity CLIENT D: 5,150 loans $.910M annual revenue opportunity

In addition, CV has a large pipeline of potential customers that it will begin calling on as the company scales

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The Team

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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…

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Mark Attaway – Co-Founder/CIO• 25 years in real estate and lending technology development

• CIO for Fortune 500 Financial Services Company

• Co-founder of AQUA – Instant Title Product

• Founder of Intelligent Mortgage Platform®

Kyle Kamrooz – Co-Founder/Head of Product • Built 50 state fulfillment lender by age 27. >$7b

• 15 Years in Lending and Fintech

• Expert in vendor partners, tech and workflow automation

• Creator of intelligent Workflow for fulfillment

Management Team