Dedicated to serving the needs of your affluent clients Private Mortgage Banking Dedicated to serving the needs of your affluent clients David Goldklang Private Mortgage Banker NMLSR ID 86601

Who is Private Mortgage Banking Source Serve Solution We source, serve and solution the mortgage needs of affluent and high-net-worth clients. Source We source our clients by being active where they live, work and play. We grow our client base by: fostering alliances with referral partners who are focused on the affluent/high-net-worth client (ex. Wealth Mgmt, Realtors, builders) being involved in the clients’ communities leveraging our network of past clients to create referrals and relationships Serve Our clients are valuable to us and expect our best effort every day. We serve our clients by tailoring our services to fit their style. We do this by: investing the time upfront to understand the client’s goals and define expectations gather necessary information to underwrite the mortgage establish clear communication routines Every client’s situation is unique and requires its own customized solution. We provide solutions to complex situations by ensuring all parties involved with the client possess: a high level of credit acumen the skills needed to support the clients’ unique needs and circumstances the necessary tools to meet the client’s expectations Solution

Private Mortgage Banking Dedicated to serving the needs of your affluent clients Wells Fargo Home Mortgage’s exclusive Private Mortgage Banking division serves affluent homebuyers with complex income or asset situations Partnership with Wealth Management provides an integrated team of specialists to help build, manage, preserve and transition client’s wealth Wells Fargo Home Mortgage is the nation’s #1 jumbo mortgage lender, with the vision and balance sheet to continue jumbo lending in all 50 states

Private Mortgage Banking There is a difference 25 year history of providing affluent clientele with wealth management strategies in home financing Credit guidelines for homebuyers and homeowners who have complex income and asset situations Teaming up with Wealth Management provides ability to provide unique financing options for client’s overall wealth management goals High-touch customer service The Private Mortgage Banker is the client’s dedicated point of contact, managing the loan transaction from application through closing Private Mortgage Bankers attend local document signings Servicing: a dedicated customer service line for Private Mortgage Bankers and clients who have closed on their mortgages Underwriting with a focus on affluent clientele Centralized and seasoned underwriting department, knowledgeable in affluent financing Empowered to decision Specialized joint PMB and WM team dedicated to structuring and underwriting portfolio loans

Private Mortgage Banking Distinct Advantages Jumbo Home Financing Variety of fixed-rate and adjustable-rate terms — With our jumbo ARMs, the first rate adjustment cannot be more than 2% — unlike other lenders with a rate cap that can be as high as 5%. 10.01% down payment financing option — there’s no mortgage insurance required for buyers purchasing a primary residence on loan amounts from $424,100 to $1,000,000.1 Jumbo Rate Reducer OptionSM —opportunity to lower your interest rate and payment within 180 days of closing on a long-term, fixed-rate jumbo mortgage. Jumbo recast feature — with no transaction fee, buyers can lower their monthly mortgage payments without refinancing by “recasting” their loan after making a large principal payment. Buyers will have a lower monthly mortgage payment, but they may pay more interest over the full mortgage term than they would by making a principal reduction without using the recast option.2 Relationship based pricing — based on assets under management. Non-conforming loans with 10.01% down payment and no mortgage insurance when purchasing a primary residence with a maximum loan amount of $750,000 (up to $1 million in some areas). Other restrictions apply, please Consult with a Private Mortgage Banker for more details. Certain timing and other requirements must be met which will be explained to the buyer at the time he/she requests a recast. Consult with a Private Mortgage Banker for more details.

Private Mortgage Banking Distinct Advantages Specialized programs with key advantages Builder Best® Extended Rate Lock program — helps protect against fluctuating interest rates. A non-refundable lock fee is required. yourFirst Mortgage® – 3% down payment option on a conforming fixed-rate loan; talk to me about loan amount, type of loan, and property type eligibility requirements. Mortgage insurance is required. Cash purchase options — Buyers can purchase with cash up-front and get a mortgage within 90 days of purchase.1 Preferred Payment PlanSM options — flexible scheduling for weekly, bi-weekly, twice a month, or monthly payments. Enrolling is free from any checking or savings account. Financing options for both condominium and co-op For non-conforming loans, application must be submitted within 90 days of purchase. For conforming loans, application must be submitted within 6 months of purchase. Other restrictions apply. Consult with a Private Mortgage Banker for details.

Private Mortgage Banking Customer Experience Focusing on the customer means committing to delivering a first class customer experience. Providing a great customer experience means committing to drive a cultural change in order to fully embrace an excellent customer experience as WFHM's differentiating factor. Our product is service. We deliver on our customer experience promise by executing upon the following: Make It Easy To Do Business With Us: Driven via upgraded technology and processed based workflows that are task based and support consistent customer touch points Communication is Paramount: Educate customers about the process and communicate status along the way Provide a Great Customer Experience Provide Financial Advice Through Multiple Product Choices: Individualized solution based on specific needs Predictability of the Process: Meet and exceed expectations of the customer, particularly around major milestones such as approval and closing

David Goldklang Private Mortgage Banker Professional experience Education Professional affiliations Joined Wells Fargo in 2009 and is currently a Private Mortgage Banker with Private Mortgage Banking Five-time Wells Fargo Leaders Club member Have been in the financial services industry for over 19 years Bachelor of Science, Florida International University Graduated 1995 ABA, BNI, LIREG Lupus Foundation, New Ground, Inc. 58 South Service Road Suite 100 Melville, NY 11747 Direct line 917-757-4957 Office 516-454-25545 david.goldklang@wellsfargo.com www.DaveGoldklang.com NMLSR ID 86601 Information is accurate as of printing and subject to change without notice. Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. © 2017 Wells Fargo Bank, N.A. All rights reserved. NMLSR ID 399801. AS3853279 Expires 12/2017