1CONFIDENTIAL & PRIVATEdefi SOLUTIONSCONFIDENTIAL & PRIVATEdefi SOLUTIONS 04/18/2023

D E F I C O N V E N T I O N A L W I S D O M

Speed and Flexibility DOES co-exist in an Originations System

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19+ Years of Building and Managing Lending Systems

BOUGHT LOSNot Configurable

BUILT FROM TOOLSETTime Consuming & Costly

BOUGHT AND INTEGRATED Time Consuming, Costly,

Partially Configurable

BUILT FROM SCRATCHPiecemeal & Heavy Dev Costs

BUILT FROM TOOLSETTime Consuming and Costly

Stephanie Alsbrooks, CEO & Founder

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20+ Years of Financial Technology and Strategy

CUSTOM SYSTEMSDealerTrack Multi-Lenderwith Chase & Wells Fargo

Direct Lending LOS with StephanieFull Funding System still in place

Oracle CRM System

BOUGHT AND INTEGRATED Hyperion System

Leading Edge SAP 4.0Full Financials

BOUGHT AND INTEGRATED IBS Collection Tool

Created Special Asset Marketing Tool

INTEGRATED ERP SYSTEMSOracle and JD Edwards

Financial Systems

Georgine Muntz, CFO

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20+ Years of Financial Services / Auto / Data Solutions

CUSTOM SYSTEMSWorked with Stephanie and Georgine on

Direct Lending LOS by providing underwriting/funding perspective

Managed VendorsManaged third party vendor partners such as application

aggregators

Decision Engine Managed business development activities

for Monetrics auto DEData / Solutions

Developed and sold auto industry specific data and software products

Brice Beard, VP Sales

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Business Issue and Solution

Lenders are spending time and money

on managing IT instead of improving

their business.

• Dated inflexible technology

• Expensive implementation

• Costly to maintain

• Lenders held captive

• Scalable & Configurable

• Quick implementation

• Reduced fixed monthly IT

• SaaS and Mobile

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Who we are

defi SOLUTIONS is a technology company with a vision to make auto lending painless. We provide an easy to implement, fully configurable origination system, so that you can focus on lending.

Your Focus

Understanding your market

Responding to changes

Our Focus

Continuously improving origination systems

Enabling business users to implement changes rapidly

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Architecture

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Rapidly Established Broad Customer Base

36 Auto Lenders

Captive Bank Finance

Million+ Applications, 30+ Integrations, Millions of Secure Data Transactions

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Why defi is Unique

Built to scale at an enterprise level by leveraging leading technology

Offers the most configurable system in the industry

Female-driven technology organization focused on indirect lending

Browser-based system available on mobile devices

Securely-hosted application and data

Integrated with most significant 3rd party data providers, bureaus and valuation services

Features added in minutes not months…scorecards, data, fields, rules etc.

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Industry Perspective – Auto Lending

Industry at a tipping point– Broad adoption of SaaS and auto finance industry is catching on– Recent pain of recession that emphasized the challenges of fixed IT costs– Technology and security rate of change enormous and difficult to keep up with if you

are trying to focus on operating a business– Data integration and flexibility a must but very expensive in install models– Specializing is becoming a necessity– Systems designed for an install model cannot keep up and are being replaced by more

nimble SaaS systems– Compliance and automation becoming mandatory and constantly changing

Gartner predicts that 35% of enterprise IT expenditures for most organizations would be managed outside the IT department’s budget by the end of 2015.

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Industry Perspective – Auto Lending

Why we jumped into this space– We spent years on the lending side struggling with unacceptable LOS options– Frustration with the inflexible package systems and tired of building same

requirements over and over (time consuming and expensive)– Saw a huge need to transform from high fixed costs to variable costs by leveraging

new technology and new thinking about what should be configurable (custom fields, XML easy data sharing, SaaS, etc.)

– Timing right to capitalize on the recovery of subprime and auto lending– Industry ready for scalable new technology– Lenders able to trust defi due to our deep experience building systems for large and

small lenders

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IT/Originations Trajectory

Continued outsourcing and flexible sourcing Growing need for flexibility and security to keep up with constantly changing

regulatory demands– More automated decisions and rules, less judgmental– Constant security, data and privacy investments and enhancements

Increased integration with any/all data providers to increase efficiency and accuracy Less dependence on manual F&I processes, more consumer driven processes and

transparency Largest and most efficient lenders looking to cut cost to maintain margins in the

recovered and increasingly more competitive lending environment Compliance, compliance, compliance…did we mention compliance?

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Third Party Data Sources:

Our Partners

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Bureaus:

Our Partners

Valuation Services:

Reporting Services:

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Servicing Providers:

Our Partners

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SCHEDULE A PRODUCT DEMO ON OUR WEBSITE OR CALL US AT 800-926-6750 TODAY!

www.defiSOLUTIONS.com