MBS 6th CU Small Business Summit

May 5, 2015

Pierre Naudé

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Need for Speed in Lending

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Industry Outlook

Loan Balances are Growing at a Record Pace at Credit Unions

Total Loan BalancesData as of December 31, 2014

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Comparative Growth of Business Loan Portfolios

Mar-2005

Jun-2005

Sep-2005

Dec-2005

Mar-2006

Jun-2006

Sep-2006

Dec-2006

Mar-2007

Jun-2007

Sep-2007

Dec-2007

Mar-2008

Jun-2008

Sep-2008

Dec-2008

Mar-2009

Jun-2009

Sep-2009

Dec-2009

Mar-2010

Jun-2010

Sep-2010

Dec-2010

Mar-2011

Jun-2011

Sep-2011

Dec-2011

Mar-2012

Jun-2012

Sep-2012

Dec-2012

Mar-2013

Jun-2013

Sep-2013

Dec-2013

Mar-2014

Jun-2014

Sep-2014

Dec-2014

0.00%

2.00%

4.00%

6.00%

8.00%

10.00%

12.00%

14.00%

Comparative Growth of Business Loan Portfolios: Credit Unions vs. Banks

All Credit Unions in U.S. All banks

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

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Member Business Lending on the Rise

Source: U.S. Small Business Administration. Note: excludes unfunded commitments.

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The Opportunity for Credit Unions

65%

27%

5% 3%

Chart Title

No MBL0 to 50%50 to 80%Over 80%

The current cap allows credit unions to make member business loans over $50,000 up to 12.25% of assets.

Loans under $50,000 do not count toward the MBL cap.

Credit unions with exemptions to the MBL cap have not been included.

Source: U.S. Small Business Administration

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Our Mission

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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

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Lending Then…

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And Now

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Improve Efficiency

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Innovative Solution

Interact

Transact

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Member Portal

Start Application Document Access Check Status Document Checklist Facilitate Communication

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Benefits Quantified

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Customer PortfolioCredit Unions Banks

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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.”

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Member Business Solutions (MBS) Case Study

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MBS and nCino

“With nCino, we can focus on credit union relationships – and their member relationships – as the CUSO grows.”

-Jim Gallagher, President

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United Federal Credit Union Case Study