Duration Track General Session Presenter. Registration & Breakfast Thank You to our Breakfast Sponsor - Viking Client Services!

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Duration Special Event Host / Sponsor Tue 1/23/2018 18:00 22:00 4:00 Attendee Welcome Party In "The Bungalow" across from the Living Room Bar, W Hotel Thank You to our Welcome Party Sponsor Zero Parallel! Wed 1/24/2018 8:00 8:50 0:50 Wed 1/24/2018 8:50 9:00 0:10 Getting Opted in for Text Messages Wed 1/24/2018 9:00 9:45 0:45 Opening Remarks Wed 1/24/2018 9:45 10:15 0:30 2018. What s it all about? Wed 1/24/2018 10:15 10:45 0:30 IA Industry Trends Registration & Breakfast Thank You to our Breakfast Sponsor - Viking Client Services! Wed 1/24/2018 10:45 11:15 0:30 IA Demographics, Loan Sizes, Approval Rates and More! The Future of Consumer Lending Wed 1/24/2018 11:15 12:00 0:45 Panel Lisa McGreevy, President & CEO, OLA George Coutros, Chief Revenue Office, Clarity Services Dan Richard, VP, Analytics & Product Strategy, Transunion - FactorTrust Jason Romrell, General Counsel, LeadsMarket Wed 1/24/2018 12:00 13:00 1:00 Lunch Thank You to our Lunch Sponsor - LeadToro! Wed 1/24/2018 13:00 13:30 0:30 TS Improve Collections with Text Communications for Account Receivables Wed 1/24/2018 13:30 14:00 0:30 LRC The Importance of Knowing Your Data Sources Wed 1/24/2018 14:00 14:45 0:45 LRC What to Expect from a Republican CFPB Danny Cantrell CEO Solutions by Text Brian Martin EPIC President & CEO Lisa McGreevy President Online Lenders Alliance (OLA) George Coutros Chief Revenue Officer Clarity Services Dan Richard VP, Analytics & Product Strategy Transunion - FactorTrust Brian Martin EPIC President & CEO Danny Cantrell CEO Solutions by Text Jason Romrell General Counsel LeadsMarket Ronald Rubin Former Enforcement Attorney at the CFPB and Chief Adviser on Regulatory Policy on the House Financial Services Committee 2

Wed 1/24/2018 14:45 16:00 1:15 Snack Break & Connect Room Networking Thank You to our "Café Ala Cart" Snack Sponsor - DecisionLogic! Wed 1/24/2018 Wed 1/24/2018 16:00 17:00 1:00 Attendees, you have ONE HOUR+ to grab a up of coffee and a snack - and to freshen up for the Cruise. Please make your way to the bus for either the 4pm transfer or the 4:45pm transer to the Boat. You can embark on the boat starting at 4:30pm (open bar). The cruise begins at 5:00pm. We have 3 buses that will make three trips from the W Hotel to the Boat: 4:00pm - transport one 4:30pm - transport two 4:45pm - transport three Wed 1/24/2018 17:00 19:30 2:30 Wed 1/24/2018 19:30 20:30 1:00 Sunset Dinner Cruise - through Fort Lauderdale Thank You to our Platinum Cruise Sponsor - LeadsMarket! Attendees return to the W in three buses: 7:30pm - transport one 8:00pm - transports two and three All attendees will be back to the W Hotel by (8:30pm) 3

Thu 1/25/2018 8:00 9:00 1:00 DAY 2 Registration & Breakfast Thank You to our Breakfast Sponsor - Dot818! Thu 1/25/2018 9:00 9:30 0:30 TL The Impact of Tribal Lending in Indian Country and the Importance of Effective Advocacy John R. Shotton NAFSA Board of Directors Chairman Chairman of the Otoe-Missouria Tribe of Indians Thu 1/25/2018 9:30 10:00 0:30 TL The Legal Landscape and Court Cases Affecting Tribal Lending Thu 1/25/2018 10:00 10:40 0:40 TL State of Tribal Lending - Where is the Industry Heading? Shilee Mullin, Attorney, Spencer Fane LLP Jennifer Weddle, Co-Chair American Indian Law Practice Group, Greenberg Traurig Clifton Cottrell, Director of Policy & Research, NAFSA Thu 1/25/2018 10:40 11:10 0:30 BP Operation Choke Point: What Does it Mean Now? Thu 1/25/2018 11:10 11:40 0:30 LRC Lending Matters Within The States Thu 1/25/2018 11:40 12:10 0:30 Keynote Address Thu 1/25/2018 12:10 13:00 0:50 Lunch Thank You to Lunch Sponsor - LeadFlash! Joe Sarcinella Chief Operations Officer & General Counsel NAFSA Blake Trueblood General Counsel, Justice Funds, LLC Joshua Rowland CEO / Vice Chairman Lead Bank Greg Porter Partner Catalyst Croup The Honorable Alan Wilson Attorney General South Carolina 4

Thu 1/25/2018 13:00 13:40 0:40 BP Thu 1/25/2018 13:40 14:25 0:45 TS The Future of Payments and the Potential Impact of the CFPB Larry Morrison, Sr. VP Business Development, Payment Data Systems (PDS) Greg Bynum, President, Lead Bank Michele Harold, President & CEO, Provident Payment Systems, LLC Blockchain and it s Transformative Potential In The Financial Sector Anthony Rousseau, VP, FX Product Management, State Street Global Markets James Putra, Director Product Strategy & Innovation, TradeStation John Riley, Chapter Lead,, Government Blockchain Association Thu 1/25/2018 14:25 14:55 0:30 CA Smarter Consumer Acquisition Jivka Apostolova Director of Legal and Compliance EPIC Loan Systems Jason Shavelson COO EPIC Loan Systems John Cody Director of Affiliate Relations ZeroParallel Thu 1/25/2018 14:55 15:00 0:05 Conference Wrap-Up Brian Martin 5