20170974 Ver 3_LOB DWR RFAI Response Letter 09-30-21 reduced_20200930

15outkern Environmental Group, Inc.
5515 South College }load, Suite 1_ . Wilmington, North Carolina 289-1 2
910.452.2711 • rax: 910.452.2899 • o{[e-mail]
www.segi.us
30 September 2021
Sent via Electronic Mail [SEGi Project #18-120.011
Mr. Rick Trone
401 & Buffer Permitting Branch
NC DWR
1671 Mail Service Center
Raleigh, NC 27699-1617
[e-mail]
Re: Response to DWR RFAI Comments
Live Oak Bank IP
USACE AID# - SAW-2011-01812
NC DWR Project # - 2017-0974v3
Dear Rick,
Below you will find SEGi's response to the DWR's, Request For Additional Information (RFAI) dated 31
August 2021, regarding the Live Oak Bank (herein referred to as the "Applicant") Individual Permit
request (DWR requests and comments are presented in italics below):
Division of Water Resources Comments:
1. The application package may require an agent authorization letter from the applicant. A sample
agent authorization letter can be found on the U.S. Army Corps of Engineers (USACE) website:
Please see Attachment 1, Signed Permit Application providing Agent Authorization.
2. Please provide a most recent bound and published county soil survey. Please cleanly draw or
delineate the site boundaries on the soil survey. The most recent bound and published survey can
be accessed at the following link. -
Please see Attachment 2, Soil Survey.
3. Please confirm the impact amount for RPW Ditch. Various amounts of impact are noted
throughout the application (e.g., 0.05, 0.027, 0.08). [15A NCAC 02H.0502(c)].
Please see Attachment 3, Impact Maps, and the table below.
There are two (2) areas of RPW Impacts — Future Building 6 (0.027 ac) and Future
Building 9 (0.055 ac) for a total of 0.08 acres of RPW impacts.

5EGi
Table 3. - Proposed Impact Summary Table
Proposed Impacts
Square Footage
Acreage
Stormwater Pond
37,267
0.85
Building and Parking
4,617
0.11
RPW Ditch Bid 6 (.027 ac) Bld 8 (055 ac)
3,590
0.08
Total
45,474
1.04
4. You indicated that the USACE reevaluated the wetland delineation in April of 2021 reducing
the wetlands in the vicinity of the proposed Building 6, parking areas, and stormwater pond.
Please provide documentation from the USACE confirming this reevaluation. [15A NCAC 02H
. 0502(c)].
Please see Attachment 4, e-mail from Mr. Mickey Sugg.
5. Please provide an updated stormwater management plan that show drainage areas, inlets, and
discharge points. [15A NCAC 02H.0502(c)].
Please see Attachment 5, Stormwater Plan.
6. The plans included in the previous authorization from 2017 show two buildings (one is referred
to as "Building 6" in the narrative, the other building number is unclear) on the north side of
the property that were sited east of the wetland. The current plans show these building
reconfigured or enlarged with Building 6 impacting the wetland. Please explain why this
reconfiguration or size increase was necessary and why the two buildings cannot be sited
without impacting the wetland as was shown in previous plans. [15A NCAC 02H.0502(c)]
Future Building 6 and Future Building 7 were resized to accommodate unprecedented
growth of Live Oak Bank and its subsidiaries. Please see Attachment 6, narrative which
outlines the recent growth and necessity of additional office space.
7. It appears minimization can be accomplished by reducing surface parking and incorporating
those spaces into the proposed parking decks, thereby freeing area to shift the building locations
and/or enlarging the smaller, eastern stormwater management pond. Please demonstrate why
incorporating some of the surface parking space into the decks is not feasible as a minimization
strategy. [I 5ANCACO2H.0502(c)]
These options were reviewed previously and while several spaces may be able to be
eliminated, no additional spaces will fit within the proposed parking decks due to height
restrictions. In other words, it would require adding an additional floor to the parking
garage which will not conform to the existing height restrictions.
In the alternative plan, spaces were removed adjacent to Building 6 which would allow
the building to shift north and the avoidance of some wetlands between the rear of the
building and the proposed pond. The remaining wetlands were very small and detached
from any other wetland system and would likely not remain viable over time. For that
reason, that alternative was not chosen.

SE-Gi
8. You indicated the northern portion of the BR Tract is not available for use during this project
(north of future Building 8) due to being zoned residential. A review of the New Hanover
Interactive Web Map indicates this tract is part of the same tract owned by the Applicant and
containing the rest of the Live Oak Bank Campus. Please explain if this part of the BR Tract has
recently been split offfrom the rest of the tract. If the northeast 'finger " of the BR Tract is part
of the main tract housing the Live Oak Bank Campus, please further explain why this portion is
zoned differently and unavailable for use for the proposed future buildings. [15A NCAC 02H
. 0502(c)]
The northeast parcel or finger reference above, was considered for development initially. It
was my understanding that the parcel was zoned R-15 and would need to be re -zoned to Office
and Industrial (0&1) for development as part of the Live Oak Bank Campus. That was
incorrect, the parcel is zoned 0&1. However, due to the opposition presented during the
Public Hearing the special use request (rather than zoning request) and subsequent
development of this parcel was abandoned.
It is SEGi's hope the information found within and attached to this correspondence is sufficient to address
the agency comments. However, should you have questions or concerns or need additional information,
please feel free to contact me at 910.443.5330. Thank you in advance for your assistance with this project.
Si cerely,
President
cc: Mr. Paul Wojoski — NC DWR Raleigh via e-mail
Mr. Mickey Sugg — USACE Wilmington via e-mail
Enclosure (1)

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Attachment 1
Live Oak Bank
Permit Application
Documenting Agent
Authorization

U.5, ARMY CORPS OF ENGINEERS OMB APPROVAL NO.07113.00d3
APPLICATION FOR DEPARTMENT OF THE ARMY PERMIT EXPIRES, 29 FEBRUARY 2013
33 GFR 325. The proponert agency is CECW-CO-R_
Public reporting for this collection of information Is estimated to average 11 hours per response, inciuding the time for reviewing instruelfons, searching
existing data sources, gathering and maintaining the data needed, and completing and reviewing the collection of information_ Send camments regarding
this burden estimate or any other aspect of the collection of information, including suggestlons for reducing this burden, to Department of Defense.
Washington Headquarters, Exeoulive Services and Communications Directorate, Information Management Division and to the Office of Management and
Budget, Paperwork Reduction Project (0710-0003)_ Respondents should be aware that notwithstanding any other provision of law, no person shall be
subject to any penalty for failing to comply with a collection of information if it does not display a cutfently valid OM6 control number. Raw DO NOT
RETURN your form to either of those addresses. Completed applications must be submitted to the District Engineer having jurisdiction over the location of
the proposed activity.
PRIVACY ACT STATEMENT
Aulhorities Rivers and Harbors Act, Section 10, 33 USC 403, Clean Water Act, Section 404, 33 USC 1344; Marine Protection, Research, and Sanctuaries
Act, Section 103, 33 USG 1413; Regulatory programs of the Corps of Engineers; Final Rule 33 CFR 320-332, Principal Purpose: information provided an
this form will be used in evaluating the application for a permit. Routine Uses: This information may be shared with the Department of Jusk:e and other
federal, state, and local government agencies, and the public and may be made avallabte as part of a public notice as required oy Federal law. Submission
or requested Information is voluntary. however, if information Is not provided the permit application cannot be evaluated nor can a permit be issued, One set
of original drawings or good reproducible copies which show the location and Character of the proposed activity must be attached to this appllcallon (see
sample drawings and/or instructions) and be submitted to the District Engineer having jurisdiction over the location of the proposed activity, An application
that Is not completed in full will be returned.
(ITEMS T THRU 4 TO BE FILLED BY THE CORPS)
I. APPLICATION NO, 2. FIELD OFFICE CODE 3, DATE RECEIVED 4. DATE APPLICATION COMPLETE
(ITEMS BELOW TO BE FILLED ArYAPPf !CANT)
5, APPLICANT'S NAME 8. AUTHORIZED AGENT'S NAME AND TITLE (agent is not required)
First - W Middle -Lee Last - Williams First - David Middle -A Last - 5yster
Company - Live Oak Bank Company - Southern Environmental Group, Inc.
E-mail Address -Lee -Willi [e-mail] E-mail [e-mail]
6. APPLICANTS ADDRESS' 9, AGENTS ADDRESS:
Addfess- 1741 Tiburon give Address- 5315 South College Road, Suite E
City - Wilmington State - NC Zip - 29403 Country -USA city - Wilmington State - NC Zip - 294I2 Country -USA
7, APPLICANT'S PHONE NOs, wlAREA CODE 10, AGENTS PHONE NOs. w1AREA CODE
a. Residence b. Business c. Fax a. Residence d. Business c, Fax
9I0-796-1647 1910-452-2711
STATEMENT OF AUTHORIZATION
11. 1 hereby authorize, Cavid Syster, SEGi to act In my behalf as my agent In the processing of this application and to furnish, upon request,
supplemental Information in support of this permit application. J
I A E O PP DAT?
NAME. LOCATION, AND GE5CRIPTiON OF PROJECT OR ACTIVITY
12 PROJECT NAME OR TITLE (see instructions)
Live Oak Bank Campus Expansion
13- NAME OF WATERBODY. IF KNOWN (If applicable) 14_ PROJECT STREET ADDRESS (if applicable)
Hewled's Creek Address 1741 Tiburon Drive (tract is adjacent)
IS. LOCATION OF PROJECT
I-atltude: -N 34,2025 Longitude: -W-77,9077 City Wilmington State NC Zip- 2$412
16. OTHER LOCATION DESCRIPTIONS, iF KNOWN (see instructions)
State Tax Parcel ID R06109-004-034-000 Municipality
section - Township - Range -
ENC FORM 4345, OCT 2012 PREVIOUS EDITIONS ARE OBSOLETE. Paget of 3

17. DIRECTIONS TO THE SITE
The site is accessed from Independence Blvd by turning on to Tiburon Drive and following it till it ends. Site is located on north side of
Tiburon Drive.
See Attachment 1 Appendix A
18. Nature of Activity (Description of project, include all features)
The project will include the removal of hydric soil from jurisdictional areas within the project area. In areas proposed for buildings and
parking, clean earthen fill will be used to bring the site to finished grade. In areas proposed for stormwater retention, additional soil will be
removed to the designed pond size and depth.
See Attachment 1 for additional information
19. Project Purpose (Describe the reason or purpose of the project, see instructions)
The purpose of this project is to facilitate the development of the Live Oak Bank Campus. This includes the construction of office
buildings, parking decks and associated infrastructure; such as; roads and stormwater facilities. The project is necessary to meet the
demand for centralized office space for their rapidly growing company.
See Attachment 1 for additional information
USE BLOCKS 20-23 IF DREDGED AND/OR FILL MATERIAL IS TO BE DISCHARGED
20. Reason(s) for Discharge
The Applicant anticipates impacting additional 1.53 acres of non -riparian Section 404 jurisdictional wetlands and 0.06 acres of
jurisdictional ditches. The impacts are necessary to facilitate the development of buildings, parking and associated infrastructure. Please
refer to Appendix E — Wetland Impact Map, Table 3. - Proposed Impact Summary Table and Table 4. - Cumulative Impact Table, for
details of the proposed and cumulative impacts.
See Attachment 1 for additional information
21. Type(s) of Material Being Discharged and the Amount of Each Type in Cubic Yards:
Type Type Type
Amount in Cubic Yards Amount in Cubic Yards Amount in Cubic Yards
Water (Pond Construction) Soil
22. Surface Area in Acres of Wetlands or Other Waters Filled (see instructions)
Acres 1.53 acres of wetlands and 0.06 acres of jurisdictional ditches
or
Linear Feet
23. Description of Avoidance, Minimization, and Compensation (see instructions)
See Attachment 1 Section V for Avoidance and Minimization.
The Applicant proposes to purchase 3.25 acres of wetland credit from the Lower Cape Fear Mitigation Bank.
ENG FORM 4345, OCT 2012 Page 2 of 3

24- Is Arty Portion of the Work Already Complete? rX Yes ❑No IF YES, DESCRIBE THE COMPLETE[] WORK
A Department of the Arty (DoA) Nationwide Permit (NWP) and associated Division of Water Resources (DWR) 401 Certification (401)
were issued for the entire project in 2017. "This Authorization included a NWP 39 to fill 0.204 acre of wetlands and 0,125 acre of ditches.
The authorization also included a NWI? 18 for fill of 0,034 associated with the installation of a stormwater pipe and riprap-
See Attachment I for additional information,
25. Addresses or AdJeining Property Owners, Lessees, Etc„ Whose Property Adjoins the Wate -body qr mor9 taon can be enlaced here, please anech a s-406meniai lisp.
a. Address- See Attachment 1
City - Slate - zip -
b, Address -
City - State - Zip -
c. Address -
City - State • Zip -
d, Address -
City - State - Zip -
e. Address -
City - State - Zip -
26. List of Other Certificates or ApprovalslDenials received from other Federal, State, or Looal Agencies for Work Described in This Application.
AGENCY TYPE APPROVAL' IDENTIFICATION DATE APPLIED DATE APPROVED DATE DENIED
NUMBER
USAGE NWP I8&39 SAW-2011.01812 2017-10-13
DWR 401 Certification 2017-0974 2017-10 13
USAGE JD SAW-201 1-01812 2017-07-03
DCM LAMA Consistency 2019-001 5 2019- 3-21
' Would include but is not restricted to zoning, building, and flood plain permits
27. Application is hereby made for permit or permits to auth4fizg the work described In this application. I certify that this Informi in this application Is
Complete and accurate, I further certify that I possess the authority to undertake the work described herein of am acting as the duly authorized agent of the
applicant.
4 Z61A-)
SIGNATURE OF APPLICANT DATE SIGNATUR5 Of AGENT DATE
The Application must be signed tay the person who desires to undertake the proposed activity (applicant) or it may be signed by a duly
authorized agent if the statement in flock 11 has been filled out and signed.
18 1 Section 1001 provides that: Whoever, in any manner within the jurisdiction of any department or agency of the United States
knowingly and willfully falsifies, conceals, or covers up any trick, scheme, or disguises a material fact or makes any false, fictitious or
fraudulent statements or representations or makes or uses any false writing or document knowing some to contain any false, fictitious or
fraudulent statements of entry, shall be fined not more than $10,000 or imprisoned not more than five years or both.
ENG FORM 4346, OCT 2012 Page 3 of 3

�5r-61
Attachment 2
Live Oak Bank
Soil Survey

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5r-G
Attachment 3
Live Oak Bank
Impact Map

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Attachment 4
Live Oak Bank
Updated JD — Mickey Sugg e-mail

david.syster@segims
From: Sugg, Mickey T CIV USARMY CESAW (USA) < [e-mail] >
Sent: Wednesday, April 28, 2021 5:33 PM
To: smtp-Syster, David
Cc: [e-mail]
Subject: LOB- reduction of wetland limits
David,
In reviewing the site yesterday, I've concluded that the hashed portion in the figure below ("Remove- not JD") is not
wetlands due to the ditch influence; however, the upper end remains wetlands. As you see in my rough mark-up,
the ditch is considered a tributary ("trib. only"). My Point A to Point B lies up with existing survey points With this said,
pls provide a new map showing these changes and the adjusted acreage amounts (for both the wetland
and tributary) and the new calculated impact footprint.
If you need clarification on this, pls let me know.
-mickey

Mickey Sugg, Chief
Wilmington Regulatory Field Office
U.S. Army Corps of Engineers
69 Darlington Avenue
Wilmington, NC 28403
[phone] (direct line)
[phone] (fax)
"The Wilmington District is committed to providing the highest level of support to the public. To help us ensure we
continue to do so, please complete the Customer Satisfaction Survey located at:
"http://corpsmapu.usace.army.mil/cm_apex/f?p=136:4:0 "

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Attachment 5
Live Oak Bank
Stormwater Plan

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� SUITES 300 & 400 FAX [phone]�2�� 3907 SHIPYARD BLVD.
WILMINGTON, NC, 28403 [e-mail]
I 11 11 11 11 licence C-0520 IVWILMINGTON, N. V.

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5E-Gi
Attachment 6
Live Oak Bank
Recent Growth
Narrative / Letter
(partial) to Mickey Sugg
concerning Growth

,�joutkcrn Environmental Group, Inc.
5 5 1 5 South College Koad, Suite F • Wilmington, North Carolina 2841 2
910.452.2711 • Fax: [phone] - [e-mail]
www.segi.us
22 February 2021
Electronic Mail
Mr. Mickey Sugg
Chief
Wilmington Regulatory Field Office
US Army Corps of Engineers (USACE)
69 Darlington Avenue
Wilmington, NC 28403
[SEGi Project #18-120.011
Re: Response to USACE Comments from 21 January teleconference
Live Oak Bank IP
USACE AID# - SAW-2011-01812
NC DWR Project # - 2017-0974v2
Dear Mickey,
Please reference the letter from your office dated January 8, 2021 and our January 21, 2021 teleconference.
Below you will find our response to the items discussed during our meeting, regarding the Live Oak Bank
(herein referred to as the "Applicant") Individual Permit request (Corps requests and comments are
presented in italics below):
Army Corps of Engineers Comments:
1. Need for Additional Buildings — :
a. Justify growth and need for additional buildings over the next 5-10 years.
During our January 2Is' meeting there was some discussion pertaining to the ownership
of the companies which will occupy the buildings on the Live Oak Bank Campus. Please
note all companies mentioned below are subsidiaries of the Applicant. There are no
third -party companies planned to occupy the proposed buildings. The buildings are not
proposed to attract tenants, rather they are proposed to provide needed office space for
existing and future staff of Live Oak Bank or a subsidiary.
Response provided by Live Oak Bank (Applicant):
"In your letter dated January 8th and during our recent meeting on January 21 ", reference
is made to the insufficiency of the explanation of our needs for expansion over the next
5-10 years. I have reviewed our original analysis from 18 months ago which was the
basis for the original response regarding anticipated growth of Live Oak Bank and
subsidiaries in terms of number of employees. While relevant then, events and activities
since lead us to believe the need for even more employees and buildings to
accommodate them will be even more urgent in the years ahead.
Live Oak Bank has doubled in asset size in the past two years from $3.713 in 2018 to

Sr-Gi
$7.913 in 2020, and along with this growth the need for more employees. With even a
modest 15% annual growth in employees over the next five years, our headcount will
double from the current 600 to 1,200. Please see Table 1.
We've referenced our need for additional buildings for the employees of our related
financial technology ("Fintech") companies. If the past is proxy for the future, we need
look no further than nCino for what's ahead. nCino is financial technology company
started by Live Oak Bank which had 35 employees at the start of 2015. The following
year, nCino moved to existing office space at Mayfaire when there was not sufficient
space available on the Live Oak campus. By 2017, nCino had grown to 350 employees.
They now have over 1,100 employees in two office buildings each 90,000 sf and a third
90,000 sf building being started this year. Please see Attachment 1.
Apiture is a Fintech company founded just over three years ago with fewer than 50
employees in Wilmington. Live Oak owns 35 % of Apiture, and we are vital strategic
partners. Apiture moved into Building 3 on our campus in 2019 and now has 200
employees here. If its growth mirrors that of nCino, Apiture will have 600 employees
on Live Oak's campus by 2025 and require two buildings. Like nCino and Apiture,
Finxact, DefenseStorm, PayRailz, and Savanna are growth -stage Fintech companies
supported by Live Oak Bank capital and expertise. We fully expect one or more of these
companies to accelerate and move either all or a significant number of their workforces
to Wilmington and Live Oak's campus in the next 5-10 years. Please see Attachment 1.
Canapi Ventures, formed by Live Oak Bank within the past 18 months, is a $545 million
venture capital fund that will invest in other growth -stage Fintech companies throughout
the US. As of December 31, 2020, Canapi Ventures had invested $170 million in ten
companies: BLEND, GREENLIGHT, MX, ALLOY, BUILT, LAIKA, NOVA, MOOV,
NEURO-ID & CAPITALIZE. It is anticipated that several if not many of these
companies will experience the exponential growth of nCino and Apiture. It is
impossible to predict which will catch fire, but Fintech growth is exponential and
happens very fast. We need buildings to be shovel ready to ensure these companies
locate in Wilmington and on Live Oak campus. Please see Attachment 1.
With Live Oak Bank's steady growth and nCino as proxy for the future of exponential
growth in Fintech employees, our need for five new shovel ready buildings with an
additional 264,000 sf to accommodate 1,560 new employees in ten years is a modest
forecast."
Please see Table 1 below for a summary of Staff and Building Allocation.

�5rC1
Table 1. Building Capacity and Staffing Projections (2/22/2021)
BUILDING CAPACITY
Future
Building
Numbers
Current
2021-
2025
2026-
2030
Existing LOB Building 1
110
110
110
Existing LOB Building 2
300
300
300
Existing LOB Building 3
380
380
380
LOB 4
Future
Building 4
400
400
LOB 5
Future
Building 6
300
300
LOB 6
Future
Building 7
300
300
LOB 7
Future
Building 9
300
LOB 8
Future
Building 10
300
790
1790
2390
STAFFING PROJECTIONS
NEXT 5 -10 YEARS
Building
Location (LOB)*
Current
2021-
2025
2026-
2030
LIVE OAK BANK
1, 2, 3 & 5
600
1200
1500
APITURE
4,6 & 9
200
600
750
DEFENSE STORM
4 & 6
10
50
100
CANAPI
4
5
30
50
FINXACT
4,6 & 10
0
50
100
PAY RAI LZ
4,6 & 10
0
50
100
SAVAN NA
4,6 & 10
0
50
100
*Note: Staff of subsidiaries will be adjusted between
LOB 4, 6, 9, 10 as needed so the Table does not
represent a static count, but which buildings will be
utilized by each Company.
815
2030
2700
CANAPI COMPANIES*
($170M invested as of
12/31/2020)
Building
Location
Current
2021-
2015
2026-
2030
BLEND
0
GREEENLIGHT
0
MX
0
NOVA
0
MOOV
0
NEURO-ID
0
BUILT
0
LAI KA
0
NOVA
0
MOOV
0
CAPITALIZE
0
*Companies that CANAPI currently
invested in and may relocate to
Wilmington in the future.
100
500-
1 ���

Lee Williams
New office Building Planned At NCino HQ
BY CECE NUNN, POSTED ABOUT 4 HOURS AGO
Share
Site plans were submitted to the city of Wilmington for another 90,000-square-foot building on the same property as nCino's existing
headquarters on Parker Farm Drive. (File photo)
Developers are planning another 90,000-square-foot office building for Wilmington -based banking software firm
nCino, according to site plans submitted to the city of Wilmington.
The new building would be the same size as nCino's current headquarters at 6770 Parker Farm Drive and adjacent
to it, along Cavalier Drive by Mayfaire Community Center, the site plans by LS3P show.
The plans suggest the firm, which has about 700 employees in Wilmington, expects to continue to grow. nCino, a
spinoff of Wilmington -based Live Oak Bank, was founded in late 2011 and debuted on the Nasdaq in July last year.
The years in between were marked by significant growth, including the firm moving into more office space in the
Mayfaire area.

nCino is led by CEO Pierre Naude.
Company officials had no comment on the building plans Wednesday.
"nCino is unable to provide information beyond what is contained in the filing on the city's website and cannot
comment further at this time," said nCino spokeswoman Natalia Moose.
Cloud Real Estate Holdings LLC, managed by Raiford Trask III, Bruce Cameron IV and Dan Smith, bought the
property at 6770 Parker Farm Drive, including the existing nCino headquarters, for $16.3 million in December.
Plans have already been submitted to the city of Wilmington to add a five -story, 640-space parking deck to the
property, behind Dick's Sporting Goods, at 6780 Parker Farm Drive.
Trask, who also had no comment Thursday about the project, is listed as the developer on the site plans for both the
parking deck and the new building.
Lee Williams
Vice Chairman of the Board
q�-6 Live0akBank
M. 910.616.1531
E.leemilliamseliiveoak.bank I liveoakbank.com
1741 Tiburon Drive I Wilmington, NC 28403

Apiture announces additional $10M investment I WilmingtonBiz
Apiture Announces Additional $10M Investment
BY CECE NUNN, POSTED ABOUT 5 HOURS AGO
® re
Wilmington -based fintech firm Apiture moved into Building 3 at the Live Oak Bank campus last year. (File photo)
Officials with Wilmington -based Apiture, a financial technology firm that specializes in digital banking services, announced this week that the company has
received a $10 million investment.
Bankers Healthcare Group (BHG) is the investor, according to a news release. BHG is a fintech firm that provides loans and other financial services to
licensed health care practitioners and other highly skilled professionals, according to the firms website.
The funding, finalized in December, comes in addition to the $20 million raised by Apiture in July 2020. Apiture plans to use the $10 million to accelerate
key features on its product roadmap for 2021.
"This additional investment provides an excellent opportunity for Apiture to both deepen our existing relationships and expand our target market through
enhanced offerings," said Chris Babcock, Apiture CEO. "Having the support and partnership of the team at Bankers Healthcare Group, in addition to the
investments made earlier in 2020, will help us to succeed in our mission to transform the digital banking spaceas a long-term innovator."
Apiture is a joint -venture of Live Oak Bank and Atlanta -based First Data. BHG, in addition to being an investor, also uses Apiture for its growing portfolio
of financial solutions, the release stated.
Founded in October 2017, Apiture employs 160 people in Wilmington and also has offices in Austin, Texas. The company is currently hiring, particularly
for software engineers and product managers, said Chris Cox, COO.
Apiture's two platforms, Apiture Xpress and Apiture Open, will benefit from innovation that results from the $30 million total raised in 2020.
"We see value in aligning with companies like Apiture that prioritize innovation as much as we do and are at the forefront of their industries," said Al
www.wilmingtonbiz.comlbanking_and_finance120211011271apiture_announces_additional_10m_investment/21414?utm_source=MadMimi&utm_mediu ... 112

1 /27/2021
Apiture announces additional $10M investment I WilmingtonBiz
Crawford, co-founder, chairman and CEO of Bankers Healthcare Group, in the release. "Our partnership will help us bolster the products we offer, while
also strengthening our own digital banking capabilities at BHG."
As a significant shareholder of BHG, Nashville -based Pinnacle Bank played a key role in the deal, according to the release. The $20 million investment
anounced in July came from funds and accounts advised by T. Rowe Price Associates Inc. and Pinnacle Bank,
Hugh Queener, co-founder and chief administrative officer at Pinnacle Bank, board member at Apiture and board member at BHG, said in the release,
"Since our initial investment in mid-2020, Apiture has made smart progress in what their product can do, and we at Pinnacle have been pleased with the
results. Adding BHG to the mix will put Apiture in a great position for more success in 2021."
Cox said Apiture is "proud to partner with investors who understand the value of the services we provide and who are excited to help us build the future of
digital banking."
He said the company has no immediate plans for additional fundraising, but is "always open to partnering with investors as we continue to build our
business."
www.wilmingtonbiz.camlbanking_pnd finance/2021/011271apiture_announces_additional_10m_investment/21414?utm_source=MadMirnAutm_mediu... 2/2

0, CANAPI
Canapi Ventures
Limited Partner Update
January 2021
Dear Partners,
As we begin the new year, we would like to thank you for your continued support and provide a brief update
on our progress. First and foremost, we wish you and your families a joyous and healthy new year. Our
thoughts and prayers continue to be with those affected by the coronavirus pandemic.
Much has already been written about the year that was 2020; it has been one of the most sobering and
unpredictable periods for our society in recent memory. Historians will assess the political, cultural, and
economic consequences of the pandemic for decades and centuries to come. While the passage of time will
reveal its true significance, it is clear that 2020 will be remembered as a watershed moment in the digitization
of our world.
The COVID-19 pandemic has served as a tailwind behind our efforts at Canapi to fuel the financial services
ecosystem of the future and accelerate digital transformation across the banking industry. The pandemic has
markedly accelerated the shift to digital. Many transformation projects that were previously measured in
years have been compressed into a matter of months and, in the case of PPP, even weeks. Other longer dated
projects have moved from the back burner to the front of the stove. The banking industry in particular has
embraced Churchill's famous adage, "Never let a good crisis go to waste".
At the beginning of the year, we were fortunate to have more than 97% of our capital undeployed heading
into the pandemic, reaffirming the wisdom that it is better to be lucky than good (though, like you, we strive
to be both!). As a result, we were able to be patient and deliberate in identifying the most promising
companies within our core fintech themes.
Investing Highlights
We invested $152 million into nine companies during 2020, bringing our total deployed capital across both
funds to just under $170 million (for more details, see slide 5 of the 2020 highlights deck). The companies in
our growing portfolio include emerging leaders in the mortgage, construction, data analytics, regtech, and
teen banking sectors, as well as early -stage bets in payments, data compliance, biometrics, and retirement.
Two of our ten portfolio companies have experienced "up rounds" since the time of our initial investment,
and we expect a third to be written up in Q1 2021. Our investment in Moov was recently marked up 3.55x
based on the completion of their Series A round, while the Sibling Fund's original position in Built was marked
up 2.16x based on the price of their recently completed Series C financing led by Addition (not yet publicly
Canapi ventures
801 17'h Street NW, Suite 1050 • Washington, DC 20006
canapi.com

�CANAPI
announced). We expect a third core position in both funds to be marked up when a recently signed term
sheet closes in Q12021, which should bring both funds out of the expense "J curve". 1
While we remain enthusiastic about the quality and performance to date of the companies in our portfolio,
we are also acutely aware that we are investing in an unusually uncertain macroeconomic environment — a
time when valuations for private and public technology companies are also at or near all-time highs. Over
the life of a ten-year investment fund, odds strongly favor that we will experience macroeconomic hiccups
and market volatility. It is not a matter of if, but when.
We remain confident that we will generate compelling financial and strategic returns for our limited partners
over the long run by backing high quality companies and focusing our bets in a sector with attractive long-
term growth characteristics. Furthermore, the risk of principal loss is mitigated through investment structure.
Our investment positions are in the form of preferred equity which receive a liquidation preference over
common holders. At the portfolio level, the par value of the outstanding preferred stock across our portfolio
companies represents only 28% of the market values of those same companies, suggesting values would have
to decline significantly before investment principal would be at risk.
Fundraising
We are pleased to report that we have closed out the Sibling Fund with $119 million in total commitments.
After admitting the final three limited partners into the SBIC fund in early Q1 2021, we expect to have —$650
million in commitments across the two funds.
Fintech Alliance
The Canapi Alliance now includes 43 banks, five bank associations, a diversified insurance company, and many
well-known financial services executives. Alliance banks serve more than 25 million customers across 46
states, hold assets of $2.7 trillion, have lent $1.7 trillion, and employ roughly 277,000 people. The scale and
reach of Canapi Alliance banks was evident through their leadership and participation in the PPP program. Five
Alliance banks were amongst the top PPP lenders, and in total Alliance banks disbursed more than —$75 billion
via—540,000 thousand loans to small businesses across the country.
Early this month, JP Morgan published a report on technology disruption and adoption within the community
and regional bank sector (a copy of the report is attached). A key conclusion of the report is that regional and
community banks are positioned to be the "end -game winners in the digital age of banking," if they effectively
combine high tech and high touch, thereby super charging the relationship banking model. As part of a nice
feature on Canapi on pages 33-35, Steven Alexopoulos and his co-authors wrote:
1 The valuation adjustments noted above are preliminary and have not yet been audited or formally approved by the
Investment Committee.
Canapi Ventures
801 17" Street NW, Suite 1050 ■ Washington, ❑C 20006
canapi.com

0, CANAPI
"Although the regional bank consortium is still in the early innings of its strategy, it looks like to us
that banks that are part of the Canapi Alliance would be better suited to offer more cutting -edge
technology products and services in banking potentially setting them up to differentiate themselves
versus larger players and megabanks."
We have been quite pleased with the engagement between Alliance banks and the portfolio companies. In
2020, we have made over 75 connections, inclusive of new introductions or consultative support as parties
defined potential partnerships. In addition to one-to-one connections, we have also provided context on
companies through our pipeline calls and portfolio company spotlight events. The portfolio company spotlight
events garnered greater than —80% participation across the Alliance banks. These activities have fueled at
least 15 signed partnerships thus far, with many more expected to close early this year.
While the pandemic limited the ability to get together in person, we have been able to maintain engagement
through regular calls with bank leads and content sharing through Canapi Connect, our digital portal for
Fintech Alliance members.
People and Operations
We were thrilled to add three new members to the Canapi family over the course of the year. Sara Shackelford
(CFO), Nadou Lawson (VP, Fintech Alliance), and Harry Kioko (Associate) have all hit the ground running and
are already making valuable contributions to the fund.
We will likely add to the investment team in 2021 as we evaluate more opportunities and engrain ourselves
deeper into the fintech ecosystem. We are also evaluating candidates to join our finance and operations team
as we prepare to double our portfolio size in over the life of the fund.
2021: Looking Ahead
We remain absolutely committed to delivering both an attractive financial return on your investment in
Canapi, and every bit as an important, a material strategic boost for our community and regional bank
investors.
We are more optimistic than ever in the quality of opportunities in the pipeline and the degree to which the
Canapi brand resonates with fintech founders in the market. Canapi has proven the ability to win in
competitive situations and we are getting proprietary access to companies that are the most relevant to our
strategic LP network.
In the year ahead, we expect to double -down on many of our core themes including modernizing legacy
infrastructure, deepening engagement with existing and new customers, building a best -in -class risk and
compliance program, and driving growth through digital channels.
We also plan to spend more time on technologies and trends that push the boundaries of "traditional"
banking. For example, many of our LPs have expressed interest in the digital asset universe as banks
increasingly consider crypto custodial opportunities, provide banking services to crypto companies, and invest
Canapi Ventures
801 17'h Street NW, Suite 1050 • Washington, DC 20006
canapi.com

�CANAPI
in the risk and compliance infrastructure necessary to safely dip their toes in the water. While we can assure
you that Canapi will not speculate in cryptocurrencies, we do feel it is worthwhile to spend time with
companies that enable our partner network to evaluate opportunities in the space.
In 2021 and beyond, we will continue and expand our efforts to expose Alliance banks to new fintech
companies and provide timely perspectives on bank implications of market developments. In addition to
continuing individual bank touchpoints and connections, Alliance banks can expect more events including
portfolio company spotlights, fintech topic panels, and executive roundtables. We are hopeful that we may be
able to host an in -person Alliance event in the second half of the year but will continue to engage virtually in
the meantime.
In 2021, we are planning to launch a program that will allow us to invest smaller checks into early stage fintech
startups. Moov and NeurolD are early examples of this strategy. This would give us a competitive edge in later
rounds and allow our limited partners to see more innovation that might not otherwise be on their collective
radars. We will share more details about the program in Q1 2021.
Canapi's mission to help regional and community banks connect with the innovators that will change the
future of financial services is one that we hold near and dear to our hearts. Despite the challenges 2020
brought for us all, we are proud of the progress we made together toward this shared goal. We offer our
sincerest gratitude to you for your continued partnership. We wish you, your families, and your organizations
a safe, healthy, and joyous new year.
Warm regards,
The Canapi Team
1i U 1i H
GENE LUDWIG CHIP MAHAN WALKER FOREHAND NEIL UNDERWOOD
Managing Partner Managing Partner Partner Partner
JEFFREY REITMAN DAN BELDY JIM HALE JEFFREY GOLDSTEIN
Partner Partner Senior Advisor Senior Advisor
SARA SHACKELFORD NADOU LAWSON PETE UNDERWOOD GREG THOME
Chief Financial Vice President, Chief Technology Vice President
Officer Canapi Alliance Officer
P, I
,t
HARRY KIOKO
Associate
Canapi Ventures
801 17'i' Street NW, Suite 1050 • Washington, DC 20006
canapi.com

O CANAPI
Funding the future of
financial services

nCANAPI
Executive summary
• Canapi deployed —$170M in capital through our first full year of operations
— $18M invested in 2019 across two deals, added two new portfolio companies
— $152M invested in 2020 across ten deals, added eight new portfolio companies
• Headed into 2021 we remain encouraged by the pace of digitization in financial services across the front,
middle and back -office as a result of the COVID-19 pandemic
— Canapi is getting proprietary access to companies due to our strong existing networks and
connectivity to the banking ecosystem
• Valuations in the market remain at historical highs and we are entering a more uncertain macroeconomic
environment — we expect to experience increased volatility and market corrections over the life of the fund
• Completed fundraising process for the Sibling fund and added four new financial institutions to the Fintech
Alliance (KeyBank, Regions, Pinnacle, Bankers Healthcare Group)
— Closed capital is now $620M across both the SBIC and Sibling fund; fundraising for SBIC fund will be
completed in Q1 and is expected to bring the total fund size to —$650M
• Hosted five one -to -many Fintech Alliance events in 2020 to supplement regular one-to-one interactions
with each organizations' Alliance leads
• Added three new team members in 2020 — Sara Shackelford (CFO), Nadou Lawson (VP, Fintech Alliance),
Harry Kioko (Investment Associate)

Canapi 2020 Highlights
Highly Confidential & Trade Secret R C A N A P
Despite Covla-A heaawinds, 2020 was a highly productive year for Canapi
The firm
12 months
of active investing
L!ML!J
M 3 new hires in 2020
❑ Sara Shackleford
• CFO
❑ Harry Kioko
• Associate, Investment Team
❑ Nadou Lawson
• Vice President, Fintech Alliance
1 K+ ecosystem meetings
Among LPs, portcos and entrepreneurs
The fund
-$620M Closed
00
a
®°moo
$170M Deployed
10 fntech investments
alloy E3 blend built 'Capiftilize
GreenuGH ®LAIKA MUOV MX
NEURO-o° NOVA
41
The results
Fintech Alliance banks
(across both funds)
IF
2 valuation mark-ups
(through follow-on equity rounds)
0 built MUOV
75+ connections
(high -quality portco introductions to FA members)

r F
r �
'rF Im
ter• -
r-
-

Highly Confidential & Trade Secret ^ C A N A P
Canapi 2020 Highlights: Investing and Deployment
In total Canapi has deployed -$170 million across ten companies. We invested $152M in new capital in 2020.
Denotes competitive win
SBIC Investment Sibling Investment
Company
Investment
(% Ownership)
(% Ownership)
blend
Led Series F
$33.6M (2.0%)
$6.4M (0.3%)
GreenUGHT
Co -led Series C
$33.6M (2.8%)
$6.4M (0.5%)
ftAX
Series C
$8.2M (0.4%)
$1.8M (0.1%)
(Unannounced)
alloy
0 built
MUM
NcuRo—ID°
�rV F/■ LV � �i�i
(Unannounced)
Led Series B
Series 8 + C
Led Series A
Co -led Series B
Seed + Series A
Series A
Led Series A
$20.7M (9.0%)
$14.2M (3.6%)
$5.7M (15.9%)
$11.3M (3.8%)
$533K (1.0%)
$2.OM (4.4%)
$7.4M (14.8%)
Top -Tier Co -Investors in Every Deal
greylock m GENERAL = FOUNDERS FUND Lightspccd
ATLANTIC
DRIVE®CAPITAL t.t.V,apital DST nE-k BOND
.TPG capitalG POT RES BV ..
NazterYV wxee
$4.OM (1.7%)
vvenforeer enia
Partners re^�
0 Felicis Ventures AVID
rEN rVxEE
$8.3M (2.1%)
= hidex es Goldman
ADDITION FIFTH WALL
$1.1 M (3.0%)
'I BainCapital LEPRIMD nyea
VENTURES
$2.2M(0.7%)
GENERALGCATALYST
CJ KLEINER PERKINS
$102 K 0.2%
( )
= BaiTlCapital
YENTIIHES albz
Gradient Ventures r
v =
RRE Ventures
$376K (0.8%)
,
1.1. kapital
®venture capital
$1.6M (3.2%)
GREYCROFT WALKABOUT r�
VENTURE 5 RRE venwres
• Successfully established Canapi's reputation in the market as one of the most sought-after new funds; attracted significant
interest from high quality B2B fintech founders across stages
• Finished the year with mark-ups on two of our ten portfolio companies — Built (2.2x on Sibling position) and Moov (3.6x)

Highly Confidential & Trade Secret
C A N A P I
Canapi 2020 Highlights: Fundraising & Alliance Network
We added five new bank partners to the Fintech Alliance
First Federal
o Institution HQ (existing) Institution HQ (new) , Branch footprint
�F
a-Q,
ally.
�� � KeyBankFWt
a n tnwmnn
Frnsr REPUBLIC
ZION$ Ci'S6 ■ma. ftat UNION
BANK.
midlaannd0 HOW
PARK BLUE
RIDGE TRUISTQ
BANK
TveNlssel:eArueRs
VIRGINIA BANKERS
A.SSQCIAIIQN
43 institutions
r�r�R�,N 46states
W.�..�r LIVEOAKEANK'
rINnfVCIAL 1 Pinnacle
®MKS SYNOvus $2.71 assets
1411
REGIONS' c.JI11iIHI1ST 25M ' customers
IBERIAWK
DLw JAAff�W� o[+�o11,800 branches
�r0pF6� S`
AFC
Sources: SNL Financial, Federal Reserve, press search, and bank websites. Data is presented for banks who have given written and verbal commitments, including Live Oak Bank.

Highly Confidential & Trade Secret ^ C A N A P
Canapi 2020 Highlights: Fintech Alliance Engagement
We maintained deep LP engagement even while conducting the Fintech Alliance director search
I Engagement Highlights
One -to -many events
• 3x quarterly pipeline calls
• 3x introducing new investment
presentations
• 1 x market research presentation
One-to-one events
• Regular touchpoints between partners
and FA leads
• Direct investment evaluation support
• Thematic planning and technology
priority support
Hired full-time alliance leader in Q4
• 550+ candidates sourced and screened
Case Study — Introducing Canapi's Investment in Alloy
Case Study 4 alloy
Introducing Canapi's investment in Alloy
Objective: Introduce Fintech Alliance executives to Alloy's identity platform to help drive new sales leads
IqPreparation
Worked with Alloy management team
to co -develop content and agenda for
the event
Curated list of relevant executives at
each LP bank and sent personalized
mvites to each
• Prioritized LPs by Alloy pipeline priority
and scheduled pre -event briefings
where applicable
Marketed event for weeks leading up
to the event
A
a
EXECUTIVES ATTENDED
100+
Event
1-hour webinar attended by 35 of our
37 bank partners
Attendance from 100+ bank executives
including C-level executives and
business unit heads
Program included
— Canapi investment thesis
— Fireside chat with founders
— Product overview
— Customer testimonials
BANKS REPRESENTED
High Quality Portfolio-Fintech Alliance Connections
Follow-up
Set-up one-on-one follow-up
conversations with multiple banks
• Worked with Alloy to develop post -
event marketing content
Answered follow-up questions and
provided additional information where
necessary
Facilitate ongoing conversations
between key bank decision makers
and Moy management team
FOLLOW-UP INTROS
12
Company
Olend
0 bunt
ereenu�HT
®�AIK�
Munn
NOVA cREair
Capitalize
New Intros
20+ 7
25
2
4
10
9
2

- CANAPI
Canapi 2020 Highlights: Fintech Alliance Traction
We are playing an increasingly central role in the digital transformation of financial services
Selected Highlights from JP Morgan's December 2020 U.S. Mid- and Small -Cap Banks Technology Disruption Report
❑ The tremendous success of regional banks with the PPP program
served as an "aha" moment... regional banks are in fact positioned
to emerge as winners in the digital age of banking
❑ Regional banks have been able to effectively leverage technology to
supplement their traditional high -touch, relationship -based
approach, which differentiates them vis-a-vis megabanks as well as
the newer "challenger banks"
❑ Being smaller and nimbler allows regional and community banks to be
more agile and responsive to clients needs
❑ Rather than competing with fintechs, many banks are now partnering
with fintechs, with some of the most tech -savvy banks joining
forces through Canapi's Alliance to "pull ahead of the pack"
❑ Even with the incredible progress over the past 2-3 years, the digital
transformation of regional banks remains in the early innings, implying
that the fuller value proposition from regional banks is still yet to
come
Selected Commentary
r
"Canapi sets the stage for regional banks to partner with
fintechs and offer innovative products and services"
00
"Canapi has made investments in multiple fintechs that offer
innovative products/solution that can save costs for regional
banks while also ensuring that they remain competitive with
megabanks and other fintechs."
"... banks that are part of the Canapi Alliance would be better
suited to offer more cutting -edge technology products and
services... potentially setting them up to differentiate
themselves verses larger players and megabanks."
Source: JP Morgan equity research

Highly Confidential & Trade Secret ; C A N A P I
Canapi 2020 Highlights: Hiring & Team
We are now 15 people strong, expect us to add to both the investment and finance teams in 2021
• 15+ years finance and operational experience in private equity upda g
at well -respected funds PARTNERS
• Controller at Updata Partners where she managed the
operations of several funds IFAdams
Street
• Began her career in finance roles at Adams Street and
Benchmark BENCHMARK
• Investment banking in Goldman Sachs' Financial Institutions
group Goldman
• Advised several Canapi LPs on strategic initiatives during his Sachs
time at GS
THE UNIVERSITY OF
• BA in Political Science from the University of Chicago CHMAGO
• Varied experience across client services, digital transformation, McKinsey
and corporate strategy and finance from consulting, financial & Company
services, tech, and other sectors Go gle
• Engagement manager at McKinsey; corporate finance roles at Kimberly-Clark
Google and Kimberly-Clark
•MBA from Stanford Graduate School of Business STANFORD
BUSINESS -Hi

Portfolio Spotlight

Q/)ajj0y 100CANAPI
Powering the Complete Identity Operating System
COMPANY OVERVIEW MANAGEMENT TEAM
❑ Alloy is an API and software platform for
managing identity verification
❑ Automates identity and risk decisioning workflows
to ensure that banks and fintechs can onboard
"good" customers efficiently, while reducing fraud
❑ Allows banks and fintechs to programmatically
access multiple KYC and risk vendors without
having to complete multiple integrations
❑ Alloy offers customers significant benefits above
traditional KYC products, including superior
onboarding results, transparent decisioning, and
control over process from start to finish
201
Approve More Good
Customers
Increase customer conversion
and improve the customer
experience by increasing auto -
approval rates.
IN
Stop Fraud with Better
Data
Fight ongoing payments and
account takeover fraud in one
unified system without
impacting the customer
experience.
Tommy Nichols, CEO, Co-founder
Knox Payments
Laura Spiekerman, CRO, Co-founder
Knox Payments, Imprint Capital Advisors,
Kopo Kopo
Charles Hearn, CTO, Co-founder
Knox Payments, Microsoft
0
Expertise to Ensure
Success
Alloy powers top 20 banks and
the biggest names in fintech.
Our team will ensure you never
get stuck or fall behind.
Highly Confidential & Trade Secret ; C A N A P
CANAPI INVESTMENT THESIS
Best -in -class solution to widespread problem
Compounding data moat, network effects
Potential for horizontal product expansion
Mission -critical banking infrastructure
Highly strategic for the Fintech Alliance
DEAL DYNA1Vii%,J
Round Size
$40M
Pre/Post Money Val.
$190M / $230M
Canapi Check Size
$25M
Pro Forma Ownership
10.8%
Governance
1 Board Seat
_ C A N A P I
Bessemer
venture Ef11[i[ Felicia Ventures
Partners Mum

5 blend I C A N A P I Highly Confidential & Trade Secret ^ C A N A P
Designing the Consumer Lending Experience of the Future
COMPANY OVERVIEW MANAGEMENT TEAM
❑ Blend is the market leader in mortgage POS
and is rapidly expanding into other parts of the
consumer lending value chain
❑ Blend offers guided consumer experiences, data -
driven automation, and a host of powerful tools
that create best -in -class consumer and lender
experiences
❑ Blend also offers a robust consumer banking suite
designed to accelerate time to market, drive higher
digital conversion and automate manual processes
❑ As a company, Blend is focused on delivering an
unparalleled customer experience, characterized
by extremely high NPS and 10 raving FA fans
Accelerate time to market
Get products into mai ket fasterwith
our out -of -the -box solutions for
every line of business and modular
approach to configuration.
Nima Ghamsari, CEO, Founder
Palantir
Tim Mayopoulos, President
Fannie Mae, BoK Credit Suisse, Deutsche
tp- Bank, DLJ
Drive higher digital conversion Automate manual processes
Increase submissions with a guided
application flaw, responsive design,
and reduced data entry.
Provide a faster, frictionless
customer experiencewith minimal
data entry, automated stipulations,
and online closing.
CANAPI INVESTMENT THESIS
Seasoned team with deep FI experience
World -class product and intense focus on
customer experience
Viewed by banks as partner rather than vendor
Large opportunity in home -buying ecosystem
with line of sight to consumer banking
Highly strategic asset for Canapi LP base
DEAL DYNAMICS
Round Size
Pre/Post Money Val.
Canapi Check Size
Pro Forma Ownership
Governance
$75M
$1.6B / $1.7B
$40M
2.4%
1 Board Observer
CANAPI
8 C C GENERAL ender ence
v ATLANTIC 9,
greylock TEMASEK
12

0built I 0%_.JCANAP1
Powering Smarter Construction Finance
Highly Confidential & Trade Secret ; C A N A P
COMPANY OVERVIEW MANAGEMENT TEAM CANAPI INVESTMENT THESIS
❑ Built is a best -in -class construction lending
platform that connects key stakeholders
throughout the construction ecosystem
❑ At present, offers two core product (Built for
Lenders and Built for Contractors), with plans to
increase the size and scope of offerings over time
❑ The core lending product manages post -close
administration and coordinates lenders' back end
❑ For contractors, Built offers Built Pay, lien waivers
with features like invoice management coming
soon
❑ Over time, Built will seek to build out a
marketplace for goods and services that will
improve efficiency and liquidity in construction
Modern solutions for lenders
Chase Gilbert, CEO, Co -Founder
Hospitality entrepreneur
Andrew Sohr, Co -Founder
Hospitality entrepreneur
THE platform for contractors
L
✓ Highly relevant to FA; Canapi adds real value
✓ Early market leader with meaningful
penetration in top 100 construction lenders
Consistent logo growth across both channels
Expansive product roadmap means there are
many ways to win; very high upside case
Potential to dominate an entire $1T market
DEAL DYNAMICS
Round Size
Pre/Post Money Val.
Canapi Check Size
Pro Forma Ownership
Governance
$55M
$425M / $480M
$18.1 M
5.7%
1 Board Observer
ADDIT10N
C A N A P I
AL
1. Deal represents the Built's Series C which saw participation from both Canapi Ventures SBIC Fund and Canapi Ventures Fund L.P. The Sibling Fund previously made a $4M investment in Built's 13
Series B round at a $194M post -money valuation

Capitalize 100 CA N A P
Revolutionizing Retirement Savings Management
Highly Confidential & Trade Secret ; C A N A P
COMPANY OVERVIEW MANAGEMENT TEAM CANAPI INVESTMENT THESIS
❑ Capitalize is building the first independent platform
enabling seamless transfer of retirement assets
❑ Platform guides users through an intuitive, fully
digital process of rolling over retirement accounts
for free
❑ Instantly locates former 401 k, matches users to
individual retirement accounts at financial
institutions and initiates rollover on users' behalf
❑ The company is in the process of building a white -
label B21B channel and has seen early traction with
enterprise accounts
1. LOCATE YOUR 40LK
Tell us where your 401k is
If you know which institution manages your existing 401k, then tell us where
it is. If you don't know, that's fine —just tell us the company you worked for
and well find your 401k for your Most of the time we can dnthis immediately
using our existing database. If not, our experts will track it down.
Gaurav Sharma, CEO, Co -Founder
1 JP Morgan, Morgan Stanley, Greenlight
Capital
Chris Phillips, CTO, Co -Founder
IA C
2. CHOOSE ACCOUNT
Pick a rollover IRA
We help lira nsferyour 401k assets into a new IRA (individual retirement
account). We'll ask you afew questions so we can highlight IRA options, and
we help you compare their fees, investments and other key features. Once
you've picked an IRA, we help you open that account online. If you already
have an IRA and want to use it, that's fine too - just let us know.
3. WE DO THE REST
We get in touch with your 401k
provider to handle the rest
We'll communicate with your old 401k provider to make sure your account is
transferred correctly, and we'll help with any of the administrative work
required. We keep you updated regularly and our experts are avail able to
chat at any time. That's it[
✓ Massive market opportunity with >$100M
revenue at only 3% market penetration
Well -designed product solving complex
process
Touch and feel of a white glove product
despite being highly -automated, high margin
First -mover advantage in data moat and IP
Canapi banks can leverage for asset y
accumulation by joining the platform
DEAL DYNAMICS
Round Size
Pre/Post Money Val.
Canapi Check Size
Pro Forma Ownership
Governance
$12.5M
$37.5M / $50M
$9.0M
18.0%
1 Board Seat & Observer
O CANAPI
WALKABOUT
GREYCROFT 9 VENTURES
14

r3reenLiGHTI u C A N A P I Highly Confidential & Trade Secret 0 C A N A P
Building the Next -Generation Family Finance Platform
COMPANY OVERVIEW
❑ Greenlight is a DTC, subscription -based
"Family Finance" platform providing financial
access and education to families with children
❑ Offers broad suite of money -management tools
designed to give parents confidence and
oversight, while giving children their first exposure
to financial freedom and responsibility
❑ Robust product pipeline includes investing
offerings and other features designed to engage
children from an early age with their finances
❑ Strong recent growth both financially and in
company size with several high -profile recent hires
MANAGEMENT TEAM
- Tim Sheehan, CEO
Yahoo Finance, E*TRADE, Starwave,
Yodlee, Fisery
Johnson Cook, President
Atlanta Ventures, Atlanta Tech Village
f Scott Me erhoff, CFO
Incomm, Infor, Arthur Andersen
L� J
Spend
controls
J
J
Chores
tracking
Savings
goals
a
Automated
allowance
Giving
f
Instant
transfers
Spend Save Give Earn Learn
Card Gift
controls
Real-time Invest
notifications
Invest Credit
CANAPI INVESTMENT THESIS
Seasoned team with proven ability to execute
Large, untapped market with room to run
Best -in -class growth and KPIs
Rare opportunity to invest in consumer fintech
Strategic investment for the Fintech Alliance
DEAL DYNAMICS
Round Size
$215M
Pre/Post Money Val.
$1 B / $1.2B
Canapi Check Size
$40M
Pro Forma Ownership
3.3%
Governance
1 Board Seat
CANAP I ttV.
BOND DST ®venture capital
GCODWATER 9 refayventures
i:.k J, FI A I.
15

0 LAIKA 100 C A N A P I Highly Confidential & Trade Secret 0 C A N A P
Redefining Compliance for the Enterprise
COMPANY OVERVIEW MANAGEMENT TEAM
❑ Laika is an expert -in -the -loop compliance _
platform to build and run robust security, Sam Li, Co -Founder
privacy, and risk management programs Bain Capital, Zinc, Samsung, Google
❑ Helps companies achieve SOC-2, HIPAA, and 4 60
other compliance audit certifications faster and
cheaper Eva Pittas, Co -Founder
❑ Provides tools to accelerate vendor readiness in Citigroup
enterprise partnerships and sales
`i- �- o+•cae
N - •�fy
PrOgt2A7 WadfpBSS
L-1 Austin Ogilvie, Co -Founder
Alteryx, Yhat, OnDeck, EverFi
fir- •- O-
a a a_ •.
a a- o ---
CANAPI INVESTMENT THESIS
✓ Repeat entrepreneurs with clear vision
✓ Product is superior to legacy products and has
demonstrated early product -market fit
Strong fintech investor syndicate with deep
connections to downstream capital
Canapi has significant ability to influence
outcome given our deep regulatory expertise
DEAL DYNAMICS
Round Size $10M
Pre/Post Money Val. $24M / $34M
Canapi Check Size $6.8M
Pro Forma Ownership 18.9%
Governance 1 Board Seat & Observer
C A N A P 1
=BainCapital n THIRD
CaYPRIME
VENTURES
smart cla"Emis
�aearaam 16

Mong 100CANAP1 Highly Confidential & Trade Secret
Creating the De Facto Standard for Embedded Banking
0 CANAPI
COMPANY OVERVIEW MANAGEMENT TEAM CANAPI INVESTMENT THESIS
❑ Moov is a developer -first commercial open
source Banking -as -a -Service platform creating
the de facto standard for embedded banking
❑ Moov is building a robust suite of open -source
libraries to demystify low-level financial protocols
and increase access to embedded banking
❑ First ACH Library on Github went live in January
2018, and since then Moov has grown to host over
650 Slack users and --40 Github projects
❑ Moov has received tremendous inbound interest
from the financial community as banks / fintechs
recognize the power of the open source model
1
Wade Arnold, CEO, Founder
Bili Jack Henry, Banno
Bob Smith, President, Founder
Lockard, Banno, Homeland Bankshares
Open €'Transparent
Enable what works best for 1'0
ur business
leveraging Moov s rnicroservices architecture.
,FOR
P4lirlahle
110�T
Your business logic is yours, keep it. Use Moov
where it fits within your model.
rlr
®ev
eo
reverege one library or all 37, rip apart the code
or build your own version.
gnostic
BanWe
O
deco
Wedetoupleyourbanking relationship from your
money moovment needs_
✓ Top-notch CEO with real vision for the product
First -mover in a massive market
Large upside potential
Wide applicability and impressive roadmap
Highly complimentary to Fintech Alliance
banks' digital transformation efforts
DEAL DYNAMICS'
Round Size
Pre/Post Money Val.
Canapi Check Size
Pro Forma Ownership
Governance
$5.5M
$16.5M / $22.OM
$250K
1.2%
gi
BainCapital
VENTURES
/1 1� mr Conerce
v CANAPI sJ Ventures v Gradierrtventures
r= UNCORRELATEO ri tan-
RRE Ventres credit union
1. Deal represents the first round Canapi invested in; the fund subsequently invested $386K in Moov's $27M Series A round at a $110M post -money valuation
17

AAXI00 CANAPI Highly Confidential & Trade Secret
Powering the Money Experience for 30 Million Users
0 CANAPI
COMPANY OVERVIEW MANAGEMENT TEAM CANAPI INVESTMENT THESIS
❑ MX is one of the premiere operators in the
financial services data aggregation space
i
❑ The MX platform enables banks, credit unions and Ryan Caldwell, CEO, Co -Founder
fintechs to gather, enrich, present and act on Microsoft, Visa, Deloitte
internal and external customer data while
providing intuitive visualizations to the end user
❑ In addition to aggregation and data enhancement, CO"
offers a money -management platform and Brandon Dewitt, CTO, Co -Founder
marketing solutions for financial institutions
MyJibe, Experian, Nike
❑ Fls that leverage the MX platform have proven
their ability to increase user engagement with
digital banking products while increasing NPS and
capturing additional wallet share
yp« 'ATAAGGRFGAT10X r��pR F RiOKwL F7}ANCILAL ¢ TA F SEi EI]NA R R E-III
? [enlrauxn dlspsrele Bala Into onL LJ mul[AGmAENT ..
i�:?tlen PreVide adlt g-lded, per'-agelrred
Rnanilal ativtlLL'
r
DATA EMRANCEMEMT
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YERIFICATI�N
l- Pawur your �i¢¢u [!= ane >�•.iL.pnS
©
¢usteme,W needs
Aulnentlral[ ILnanCraT 3L¢¢uTILS
Willi the dE_t data
InsLanty
✓ Mission driven organization with grand vision
and proven ability to attract top talent
Data solutions build compounding moat
difficult for competitors to replicate
Tailwinds from industry -wide trend towards
digital transformation
Strategic asset for the Fintech Alliance and
highly relevant to Canapi investment themes
DEAL DYNAMICS
Round Size
$300M
Pre/Post Money Val.
$1.6B / $1.9B
Canapi Check Size
$10.0M
Pro Forma Ownership
0.5%
Governance
1 Board Observer
Series C Investors
Q-3C ANA P I G1

NOVAJ CANAPI
Opening the Borders of International Finance
Highly Confidential & Trade Secret ; C A N A P
COMPANY OVERVIEW MANAGEMENT TEAM CANAPI INVESTMENT THESIS
❑ Nova Credit is the premier provider of global credit
reporting platform designed to solve the problem
of credit access for immigrants
❑ Flagship product is the Credit Passport, a report
that standardizes, translates and structures raw
data so it can be transferred via API to credit -
issuers in a digestible format
❑ Enables immigrants to seek financial services
when moving abroad
❑ Nova has landed several high -profile contracts
with large consumer credit companies over the
past several quarters, despite large headwinds
from Covid-related immigration declines
STEP 'I
Create your account
Sign up for your free Nova Credit account to-
securely access your dat&
Connect to International creditbureau
Misha Esipov, CEO, Co -Founder
Apollo, Goldman Sachs
Nicky Goulimis, COO, Co -Founder
Bain & Co.
Enter your personal details from abroad to retrieve
your international credit report
STEP 3
See personalized recommendations
Learn about your NovaScore, an estimate ofyour
U.S. credit ratire& and find the rift credit cards for
you_
✓ Top -tier founding team with ability to recruit
✓ Integrations and partnerships developed will
be highly difficult for others to replicate
Large market opportunity with slow
incumbents
Meaningful platform network effects y
Canapi value -add through regulatory expertise
DEAL DYNAMICS
Round Size
Pre/Post Money Val.
Canapi Check Size
Pro Forma Ownership
Governance
$50M
$250M / $300M
$13.5M
4.5%
1 Board Observer
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NEILIF o-ID° 100 C A N A P I Highly Confidential & Trade Secret 0 C A N A P
HUMAN ANALYTIGS' FGR THE DIGITAL WORLD
Unlocking the Insights of Digital Body Language
COMPANY OVERVIEW
❑ Neuro-ID is a human analytics solution for
companies to combat online fraud and improve
customer experience through analysis of "digital
bodylanguage"
❑ The platform uses contextual indicators like
clicking, scrolling, mousing and typing to separate
genuine customers from fraudulent ones
❑ Neuro-ID also generates powerful insights into
friction within workflows that companies can use to
optimize customer experience and reduce churn
❑ The company's two co-founders are academics
and world-renowned experts in the IT/human
behavior fields, with wide publication on the topic
MANAGEMENT TEAM
Jack Alton, CEO
Kount, Wayport, AT&T
Joe Valacich, PhD, CSO
University of Arizona
Jeff Jenkins, PhD, CTO
Brigham Young University
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CANAPI INVESTMENT THESIS
✓ Strong team with deep technical experience
✓ Growing digital transformation market driving
increased need for fraud and friction solutions
Impressive lead conversion implies white
space in market and ability to execute
Patented technology with high barrier to entry
Opportunity to acquire meaningful ownership
and well -positioned to lead later rounds
DEAL DYNAMICS
Round Size
Pre/Post Money Val.
Canapi Check Size
Pro Forma Ownership
Governance
$7M
$37.5M / $44.5M
$2.3M
5.2%
1 Board Observer
tticapital ®venture capital
CANAPI
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