Customer-focused Innovations Jim Halbert, Area Manager Wells Fargo Home Mortgage

 Reliable preapprovals to ensure buyers are ready, prepared, and have completed the initial credit review  Ongoing, proactive updates so that buyers informed every step of the way  On-time closings to meet everyone’s expectations  Extensive home financing options to meet more buyers’ needs  Relevant information, offerings and opportunities that benefit all parties Count on the strength and reliability of Wells Fargo Home Mortgage, the nation’s largest home lender Our commitment is to deliver a great experience for homebuyers

Wells Fargo’s yourLoanTracker SM for buyers Provides status – Offers convenience – Instant access  Buyers can track their loan’s progress, upload documents, and sign select documents electronically.  Access all from a computer, smartphone or tablet.  And HMCs are here to guide buyers every step of the way. To determine if a home loan is available with yourLoanTracker features, buyers should talk to a home mortgage consultant.

Progress-at-a-Glance Buyer next steps e.g. upload docs Wells Fargo’s next steps Easy to stay on-track with eStatus Dashboard Desktop view Mobile, tablet view

 Easy, fast and secure way to deliver documents  “Success” message immediately confirms receipt  Buyers and the Wells Fargo team can see a list of the uploaded documents Convenience of eUpload Click Upload Success!

 Your buyers may sign up to get text alerts of key milestones Key milestones through text alerts

Documents are delivered instantly, with immediate confirmation they’ve been received Time savings with eDelivery and eSignature

1. How America Views Homeownership survey conducted online among 2,016 adults nationwide by Ipsos Public Affairs, April For full survey results, visit The desire for homeownership is strong, however, many consumers believe buying a home may be out of reach 1 Together, we can help more homebuyers understand they may be able to buy their own home, sooner than they think.

We’re focused on helping one homebuyer at a time and building communities through homeownership Introducing a better fixed-rate option for your first-time homebuyers - yourFirst Mortgage SM New, simplified requirements — with as little as 3% down Options for lower out-of-pocket expenses Expanded credit criteria Single family, primary residence We have educational resources and tools to help them prepare to buy a home and become responsible homeowners We’re committed to building communities through homeownership. Our goal is to help more families buy a home – and own it for years to come.

A better option for first-time homebuyers in your community With a down payment as low as 3% and the opportunity to earn a lower interest rate 9 Reduced interest rate with homebuyer education No area median income requirements Alternative credit history Loan options available for various credit scores Down payment assistance programs allowed Also available for non-first time homebuyers yourFirst Mortgage SM

Homebuyer education rate reduction NEW! - Only from Wells Fargo  Eligible buyers who complete a HUD approved homebuyer education or counseling, will receive an interest rate reduction of 0.125% –Buyers can complete the course either online or in-person –Must provide proof of completion  Eligibility: Purchase of a single family, primary residence Amount financing equal or greater than 90.01% of home’s purchase price or appraised value, whichever is lower Some restrictions apply, so buyers should talk to their home mortgage consultant about loan amount, type of loan, and property type eligibility requirements. 10

For fixed rate loans, income may include the income of others who’ll be living with them, like family members. Credit history can come from traditional and non-traditional sources Expanded Credit criteria Cash gifts allowed for the down payment and closing costs The home seller can contribute to closing costs Lower out-of-pocket costs Primary residence Single-family dwelling/unit Mortgage insurance is required Additional requirements yourFirst Mortgage SM Special features to meet more buyers needs

Homebuyers in your community can count on us every step of the way With our local team’s knowledge and experience, along with our industry leading services, offerings and technology, Count on the strength and reliability of Wells Fargo Home Mortgage, the nation’s largest home lender. We are committed to you, the families and homebuyers in your community.

This information is for real estate and building professionals only and is not intended for consumer distribution. Information is accurate as of date of printing and is subject to change without notice. Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. © 2016 Wells Fargo Bank. N.A. All rights reserved. NMLSR ID # /16 Thank you for your time