V2 General Summary Presentation - Q1 2016 Draft 2

ZaioCompany Overview

Q1 2016

ZAIO Corporation Overview

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Disclaimer The following presentation may contain certain forward-looking statements that involve risks and uncertainties, such as statements ofthe Company’s plans, objectives, strategies, expectations and intentions. The words “may”, “would”, “could”, “will”, “intend”, “plan”,“anticipate”, “believe”, “estimate”, “expect” and similar expressions, as they relate to the Company or its management, are intended toidentify such forward-looking statements. Such statements reflect the Company’s views with respect to future events and are subjectto certain risks, uncertainties and assumptions.

Many factors could cause the Company's actual results, performance or achievements to be materially different from any futureresults, performance or achievements that may be expressed or implied by such forward-looking statements. See discussion in theMD&A in the Company’s annual report for more detailed information regarding these risks and uncertainties. These factors include, butare not limited to, impairment of assets, cease trade orders, continuing operations, accumulated deficit, uncertainty of future financing,potential fluctuations of financial results and management of operations. Should one or more of these risks or uncertainties materialize,or should assumptions underlying the forward-looking statements prove incorrect, actual results may vary materially from thosedescribed herein as intended, planned, anticipated, believed, estimated or expected. Except as required by law, the Company doesnot intend, and does not assume any obligation, to update these forward-looking statements. Information contained in thisConfidential Presentation is current only as of its date.

THE INFORMATION CONTAINED HEREIN IS STRICTLY CONFIDENTIAL AND MAY NOT BE REPRODUCED WITHOUT THE EXPRESSED WRITTEN CONSENT OF ZAIO CORPORATION. THE INFORMATION CONTAINED HEREIN IS IN NOT INTENDED TO IMPLY OR IS IN ANY WAY RELATED TO THE SOLICITATION, SUBSCRIPTION OR SALE OF THE COMPANY’S SECURITIES IN ANY JURISDICTION.

Zaio is engineering the next generation of valuation products and technology.

The Clarocity platform and our proprietary valuation products are redefining residential valuations through seamless collaboration, transparency and validation.


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The Technology to Drive 28 Million TransactionsFor each of the 5.8 million annual real estate transactions in the U.S., there are an estimated 28 million expert-derived valuations provided annually.

Our strategy is to grow as a valuation provider, and leverage our platform and technologies into every transaction.

Traditional Valuation $7B

Default Valuation $3.5B

RESIDENTIAL MARKET SPEND(BILLIONS)

28+ MillionExpert Driven

Valuations


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Next-Generation Valuation Technology at the CoreZaio platform technologies are proving that next-generation valuations are available and performing today.

Market acceptance allows us to deliver on our long-term strategy of technology and product adoption.

Zaio’s Valuation Vision Products Division offers innovative full-spectrum asset valuation solutions for the U.S. Finance Industry.

TechnologyClarocity redefines valuation with a

collaborative approach that aligns client needs

ProductsInnovative

Products that are disrupting traditional

valuation (BPO Pro, BPO Merge, AVM Pro, MVP

Pro)

ServicesProvide revenue and showcasethe power of Zaio products and

technologies.


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Valuation Today:A Siloed ApproachVendors are independently engaged to perform valuation and inspection services. The current system lacks the ability to share information to collaborate on a value conclusion.

Banking clients lack local insight to properly reconcile and align their valuation risks.

Existing Valuation Transaction Platforms

Data & Tools

Inspectors

Banking ClientsLenders, Servicers, and Investors

Agent Listing & Pricing

Data & Tools

Appraisers

Data & Tools


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Valuation Vision designed the Clarocity Technology Platform to break down barriers and create a collaborative valuation process that provides unprecedented clarity and transparency into the real estate valuation.

Clients receive real-time insight from multiple sources that allow for rapid validation and risk alignment.

It’s about creating a valuation ecosystem where a wide variety innovative products and services can be provided via the Clarocity platform.

All while reducing risk, timing and costs of valuations.

Inspectors

Banking ClientsLenders, Servicers, and Investors

Agent Listing & Pricing

Appraisers

360° Valuation Technology Platform


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§ Designed to bring speed and clarity to real estate valuation

§ Products and services are seamlessly integrated with order management toensure efficiency

§ Provides real-time feedback about vendor inspectionsand valuations

§ Generates recurring revenue with licensees paying transactional costs to complete valuation products.


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Valuation Vision Proprietary ProductsAVMPro Collaborative report that combines an Automated Valuation Model

with a property inspection that is enhanced with input from local market expert.

BPOPro A new spin on traditional Broker Price Opinion with highly enhanced data presentation, detailed value narrative from local market expert and thorough property inspection – condition report.

BPOMerge Collaborative process that engages up to 3 local market expert value opinions with supporting comps, detailed property inspection with repair analysis to generate a highly accurate Merge Value.

MVP(MarketValue Pro)

Lower cost qualitative appraisal report that combines site inspection data with the value determination by a local appraiser.

AQC(Appraisal Quality Compliance)

Unique appraisal review product that leverages the expertise of a local appraiser to score an existing appraisal.

Clarocity Platform

Proprietary valuation products and production platform that allows any lender, servicer or valuation provider to produce, manage and distribute Valuation Vision proprietary products.


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Key Market Segments and Client BaseLoan Servicing Default and Performing Loans – Portfolio Valuation

Mortgage Insurance Companies Price and Value Validation

Government Agencies(HUD, FHFA, FDIC, SBA, FHA, VA)

Portfolio Pricing and Valuation

Private Investment Funds Pricing and Valuation of Loan Pool Sale or Purchase

Due Diligence Firms Validation of Existing Values and Methodologies forLoan Pools

National Lenders Collateral Valuation for Home Equity Lending, Internal Reviewand Portfolio Valuation

Credit Unions and Regional Banks Home Equity Loan Valuation, Loan Portfolio Valuation

Valuation Companies Technology Assistance for Valuation Management and Enhanced Product Offering

Ratings Agencies Valuation Review and Secondary Values for Securitization Rating


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Valuation Vision Proprietary Product MatrixBPOPro BPOMerge MVPro

Price Range $79-115 $155-185 $110 -$140

Targeted % of Volume 50% 20% 20%

Valuation Type Broker Opinion Multi-Broker Opinion Hybrid Appraisal

Market Segment

Origination

Equity Lending ¹

Risk Management

Traditional Servicing

Foreclosure & Default

Whole Loan Trading

Securitization

Loan Portfolio Due Diligence

¹ = as a component of a Residential Evaluation as outlined in the Inter Agency Guidelines, 2012


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Management Team

Shane CopelandChief Executive Officer, DirectorZaio Corporation

§ Extensive experience in executive management, sales, product innovation and operations with 23 years experience in mortgage services.

§ Co-Founder of Valuation Vision. Founding member of the National AMC, and Senior Vice President and Director of National Sales at AppraiserLoft.

Phil WazonekPresident and Chief Operating Officer, DirectorZaio Corporation

§ More than 22 years in various facets of the real estate industry including acquisitions, dispositions, redevelopment, financing, managing and has worked extensively with appraisers throughout his career

§ Real Estate Insurance Exchange (Chairman); Chartered Professional Accountants (Appeal Tribunal); Commercial Real Estate Advisory Committee, Real Estate Council of Alberta (Member); and formerly: Calgary Homeless Foundation (Real Estate Committee); Edmonton Inner City Housing Committee (President).

Ron LoveChief Financial OfficerZaio Corporation

§ A seasoned corporate finance executive with over 20 years of experience leading and advising companies through complex restructuring, international expansions, and capital market transactions for both he US and Canadian markets.

Zaio Corporation


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Management Team (continued)

Ernie DurbinChief Valuation Officer

§ Over 30 years of experience in real estate valuations and related product development.§ Designated Member of the Appraisal Institute (SRA and AI-RRS Designations)§ Co-Founder of Valuation Vision and Co-Inventor of BPOMerge™, and other V2 Products and

Services§ Former CEO of LiveValuation LLC. Former publisher of Live Valuation Magazine. § Board Member, The Appraisal Practices Board of the Appraisal Foundation§ Representative to the Industry Advisory Council (IAC) of the Appraisal Foundation§ Nationally know Industry Expert; Conference Speaker and Author in the Valuation Space

Zan JamesChief Operating Officer

§ Extensive experience in business operations, human resources, G&A expense management and implementation of policies and procedures to ensure revenue growth.

§ Co-Founder of Valuation Vision. Senior executive for Nations Valuation Services and AppraiserLoft. Extensive experience in managing valuation operations, product development, project management, financial management.

Bill MohlerEVP Product & Marketing

§ More than 20 years of experience technology and data industry§ Marketing and product positions within real estate data and mortgage with Acxiom, DataQuick,

AppraiserLoft, and Hanley Wood Market Intelligence.§ Instrumental in strategic planning and marketing of Freddie Mac’s HVE, DataQuick

ProspectFinder, and Hanley Wood Builder InfoTools§ Co-Inventor of BPOMerge™, and other V2 Products and Services

Valuation Vision


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Board of DirectorsJim BoyleChairman, Board of Directors

Jim Boyle is the founding partner of Boyle & Co. LLP, where he practices exclusively in the area of securities law. Mr. Boyle obtained a B.A. from York University (1981), attended University of Windsor Law School, graduating in 1985 and was called to the bar in Ontario in April, 1987. In 1998 Mr. Boyle received his LL.M. in securities law from Osgoode Hall Law School.

Willem GalleDirector

Willem F.E. Galle enjoys a career in digital technology innovation in global travel and logistics. His accomplishments include implementing the first deregulated airline service in Europe with Transavia; spinning off Royal Nedlloyd’s worldwide corporate data network to KPN, an industry first at he time, pioneering the first intermodal global shipment tracking system using the Internet architecture in a joint venture with AMR and CSX.

Walter AndriDirector

Mr. Andri is currently Managing Director and President of Avaya Canada Corp. where he oversees the sales, service and support across Avaya’s Engagement, Customer Experience Management, Networking, Services and Small and Medium Business technologies. Prior to that, Mr. Andri served as Senior Vice President at Primus Telecommunications Canada Inc. Previously, Mr. Andri was Vice President Small and Medium Business at TELUS Corporation, and also Vice President Channels for Koodo Mobile, a subsidy of TELUS. Mr. Andri has served as a member of the board of director of Upsap Inc. since February, 2014. Mr. Andri holds an MBA from Queen's University and an Honours Bachelor of Business Administration from Brock University.


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Board of Directors (continued)Robert GloerDirector

Robert Gloer joined IOU Central Inc. (a subsidiary of IOU Financial, Inc) in December 2008, where he serves as President and Chief Operations Officer. Prior to IOU Financial Inc., Mr. Gloer worked at First Franklin Financial Corporation, a subsidiary of Merrill Lynch, serving as Underwriting Manager, Operations Manager, VP Branch Manager, SVP East Region, and Director of East Coast, respectfully. Prior to First Franklin, Mr. Gloer was SVP of Loan Administration for Credit Depot, where he was responsible for Investor Relations, Secondary Marketing, and Underwriting. Prior to this, Mr. Gloer worked for Equicredit Corp, a Nations Bank Company.

Phil WazonekPresident and Chief Operating Officer

More than 22 years in various facets of the real estate industry including acquisitions, dispositions, redevelopment, financing, managing and has worked extensively with appraisers throughout his career. Mr. Wazonek continues to serves in leadership roles in a variety of organizations including the Real Estate Insurance Exchange (Chairman); Chartered Professional Accountants (Appeal Tribunal); Commercial Real Estate Advisory Committee, Real Estate Council of Alberta (Member); and formerly: Calgary Homeless Foundation (Real Estate Committee); Edmonton Inner City Housing Committee (President).

David KingDirector

Tenured executive with a history of public and private company management in technologyrelated industries. Former Senior VP Digital Media, Cineplex LP; Senior VP Wi-LAN Inc.; and President of Electronics Manufacturing Group Inc. Former President and CEO of Zaio Corporation.

Documents

V2 General Summary Presentation - Q1 2016 Draft 2