HOMEOWNERSHIP BENEFIT PROGRAM Helping companies with recruitment and retention of high-performing employees Employer-provided housing program for participating employers to include in their benefits packages. This program provides educational information around the largest financial investment in their employees lives while saving employees money on financing and helping them plan for the future. The Goal – Retain and Recruit employees

OUR GOAL IS SIMPLE To provide your firm with a more robust offering that can lead to happier employees – real estate is an exceptional wealth and retirement tool. Give our Clients and their employees the opportunity to own their own homes. At Axia, we understand the pride that comes with ownership because our company is 100% employee owned. You might say that ownership is in our DNA. 25,000 homeowners helped since 2008. 2017 Goal is helping an additional 6,000 more families' become homeowners.

SURVEY SAYS As hiring and keeping talented employees becomes more difficult, HR professionals are strategically leveraging employee benefits as a recruitment and retention tool. – SHRM (Society for Human Resource Management) 2016 “A tighter job market requires organizations to present themselves as an employer of choice.” – SHRM 2016 “Organizations that have already started to alter their benefits to aid in retention may have a strategic advantage” – Karen Wessels, researcher at SHRM Finding innovative ways to leverage existing benefits, organizations that are acting now may be able to reaffirm a positive employer brand before competition for talent gets even more intense. – Karen Wessels, Researcher at SHRM

Key Findings from HR Survey Change in importance of benefits in the next three to five years to retain high-performing employees: SHRM Planning Benefits Includes Homeownership 2016 Strategic Benefits Survey—Leveraging Benefits to Retain and Recruit Employees ©SHRM 2016 Two most important benefits that employees can provide to their employees.

35% of recent buyers are first-time homeowners. First-time buyers made up 35% of all home buyers 61% of first-time buyers are under the age of 35 Millennials: 35% of all purchases Gen X: 26% of all purchases 67% were married 18% single females 9% single males FIRST-TIME HOMEBUYER STATISTICS 25,000 homeowners helped since 2008. 2017 Goal is helping an additional 6,000 more families' become homeowners.

“ The workplace has become a source for obtaining financial products for the employee's entire family. - SHRM 2016 It’s time to add homeownership benefits to attract and retain employees. Axia understands these strategic goals for Recruitment and Retention. As a 100% Employee Owned Company, we face similar challenges in a highly specialized workforce.

HOMEOWNERSHIP BENEFIT PROGRAM Introducing… AXIA HOME LOANS HOMEOWNERSHIP BENEFIT PROGRAM Your employees’ direct access to home ownership Employer-provided housing program for participating employers to include in their benefits packages. This program provides educational information around the largest financial investment in their employees lives while saving employees money on financing and helping them plan for the future. The Goal – Retain and Recruit employees

Since 2008, Axia Home Loans has helped over 24,000 families get into a home In 2017 our goal is another 6,000 families Established in 2007 Headquarters in Bellevue WA 40+ Branch Offices 125+ Loan Advisors 100% Employee Owned TOP 100 Mortgage Companies in America 2015, 2016 4.8/5 Rating on Zillow

PROGRAM BENEFITS RESOURCES BENEFITS Our goal is to educate and inform. Private label web portal Education BENEFITS Reduction in loan fees .375% of loan amount up to $3,500 *to be given as a lender credit Consultation: online or in-person Certified Homebuyer Program Powerful pre-approval letter Employees, family and friends qualify as well Waiver of Appraisal* *Certain Refinance and Purchase Transactions PROGRAM BENEFITS Our goal is to educate and inform. Axia Home Loans program will leverages our core mission of sustainable housing to provide the Corporate Community and its employees with an inside track to home ownership. Axia’s Goals: Educate and inform One on one consultation – Online or in person.

PRIVATE LABEL WEB PORTAL Cover the main points. This is another area where we would show our new landing pages.

HAPPY CUSTOMERS

LET’S GET YOUR EMPLOYEES HOME.