defi SOLUTIONS auto lending software is the most configurable SaaS based LOS on the market. Schedule a demo on our website today!

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CONFIDENTIAL & PRIVATEdefi SOLUTIONS
CONFIDENTIAL & PRIVATEdefi SOLUTIONS 6/16/2015
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 LOS
Not Configurable
BUILT FROM TOOLSET
Time Consuming & Costly
BOUGHT AND INTEGRATED
Time Consuming, Costly,
Partially Configurable
BUILT FROM SCRATCH
Piecemeal & Heavy Dev Costs
BUILT FROM TOOLSET
Time Consuming and Costly
Stephanie Alsbrooks, CEO & Founder

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CONFIDENTIAL & PRIVATEdefi SOLUTIONS
20+ Years of Financial Technology and Strategy
CUSTOM SYSTEMS
DealerTrack Multi-Lender
with Chase & Wells Fargo
Direct Lending LOS with Stephanie
Full Funding System still in place
Oracle CRM System
BOUGHT AND INTEGRATED
Hyperion System
Leading Edge SAP 4.0
Full Financials
BOUGHT AND INTEGRATED
IBS Collection Tool
Created Special Asset Marketing Tool
INTEGRATED ERP SYSTEMS
Oracle and JD Edwards
Financial Systems
Georgine Muntz, CFO

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CONFIDENTIAL & PRIVATEdefi SOLUTIONS
20+ Years of Financial Services / Auto / Data Solutions
CUSTOM SYSTEMS
Worked with Stephanie and Georgine on
Direct Lending LOS by providing
underwriting/funding perspective
Managed Vendors
Managed third party vendor
partners such as application
aggregators
Decision Engine
Managed business development activities
for Monetrics auto DE
Data / 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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CONFIDENTIAL & PRIVATEdefi SOLUTIONS
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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CONFIDENTIAL & PRIVATEdefi SOLUTIONS
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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CONFIDENTIAL & PRIVATEdefi SOLUTIONS
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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CONFIDENTIAL & PRIVATEdefi SOLUTIONS
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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CONFIDENTIAL & PRIVATEdefi SOLUTIONS
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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CONFIDENTIAL & PRIVATEdefi SOLUTIONS
Servicing Providers:
Our Partners

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CONFIDENTIAL & PRIVATEdefi SOLUTIONS CONFIDENTIAL & PRIVATEdefi SOLUTIONS
SCHEDULE A PRODUCT DEMO ON
OUR WEBSITE OR CALL US AT 800-
926-6750 TODAY!
www.defiSOLUTIONS.com