Agenda Xome® Evolution 2018 Year in Review 2019 Outlook Xome Packages Super Seller Premium Agent Purchase Pro Agent Direct Xome Membership Q & A

Since 2013, Xome has brought over 100,000 properties to market. The Evolution of Since 2013, Xome has brought over 100,000 properties to market. 2012 Solutionstar is formed to provide a variety of default solutions for institutions in the residential mortgage industry. 2013 Introduced HomeSearch.com to address the market’s growing need for alternative methods of real estate liquidation. 2014 2013 Acquired Title365, provider of national origination, refinances, and purchase mortgage title services Acquired RED a leading provider of real estate technology, data and media services. Expanded service lines with the acquisition of Settlement Service business from Equifax. 2014 2014 Acquired Quantarium, leading provider of data science and real estate analytics Acquired Assurant Mortgage Solutions, a global provider of risk management solutions. 2018 2019 The most comprehensive real estate marketplace and service provider for consumers, mortgage banks and servicers. 2012

$1.7 Billion $200,000 8,300 9,000 20,000 2018 Year in Review Real Estate Sales Average Sales Price Closings Listings Assignments Measuring success

2019 Outlook The 2019 Strategy Make smart investments on leads (i.e., targeting those customers that are most likely to transact)—not counting the leads, making the leads count Leverage technology to reduce/eliminate manual processes Simplify Real Estate Partners working with Xome Improve communication with our customers and real estate partners Value the relationship with business partners like you!

The Partnership of Champions: We are Xome! REO Listings Retail Business Short Sale Listings Xome.com The Xome Agent Network Sold $10 Billion Over 100,000 brought to Market Over 9,000 Real Estate Experts Sells Over 12,000 Properties/Year Xome Agents Sell Over Twice the Amount of the Average Agent

Retail Packages Seller Packages Super Seller Premium Agent Agent Direct Buyer Package Purchase Pro - Full service agent with no seller commission! - Reduced commission traditional lead. - Source your own leads by using the Xome Offer Marketplace tool. - Buyer lead with rebate* to buyer! *Where allowed by state law

Changing the Real Estate Self-Serve Market How Self-Serve Works Today How Self-Serve Works with Xome . Month 1 – Month 6 Month 7 – Month 12 Month 13 – Month 18 No agent involvement Property is incorrectly priced Poor or no marketing Poor or no staging Fielding low ball offers Problems grasping paperwork Multiple Agents solicit Customer Purchases Free FSBO 3/1/19 An agent – not necessarily you – obtains the listing For 62 – 75% of Sellers Self-Serve Doesn’t Work Month 1 Months 2 & 3 Closing Occurs Xome agent is assigned! Average 45 days from listing to close Customer acquires Xome FSBO package The Xome 4SaleByOwner Program Works for Sellers and Agents

4SaleByOwner.com New premier lead source for FSBO sellers Xome is exclusive provider for real estate services Connects the For Sale By Owner customer and real estate agents

Current Retail Lead Sources Listing and Buy-side Leads Bank of America Mr. Cooper Xome.com 4SaleByOwner.com With each new lead, agent receives a call & email with lead type and details

Super Seller Package

Cascade tasking required for Super Seller. Xome Super Seller Process 1 Initial Vetting 2 Contact Seller 5 3 Market Property List Property Listing Appointment 4 6 Under Contract Closing 7 8 Milestones 2012 Cascade tasking required for Super Seller.

Xome Super Seller Super Seller Features All Customary Listing Agent Services Provided Seller Commission Costs: ZERO Buyer Commission Costs: 5% Auction Buyer’s Premium Xome.com Auction Required Pre-auction offers and/or event offers Seller Vetted by Xome Listing Agent and Seller Supported by Xome Listing Agent Commission 2% Buyer’s Agent Commission Commission to Xome 1%

Super Seller Package Example The Magic of Marketing Xome Offer Marketplace Market Price: $200,000 List Price: $190,000 + Buyer’s Premium 9,500 Seller Net: $190,000 Buyer Pays: $199,500 Traditional Listing List Price: $200,000 - 6% Commission -12,000 Seller Net: $188,000 Buyer Pays: $200,000 April – September 14, 2017 – 5 months metrics

Super Seller Package Example Where you stand out April – September 14, 2017 – 5 months metrics $200,000 $190,000

Xome Premium Agent Package April – September 14, 2017 – 5 months metrics

Premium Agent Package Overview Seller pays: 1.99% + co-op fee as commission at closing Co-op fee set by seller (we suggest 2%) All customary listing agent services provided No auction opportunity ZERO cost to buyer Buyer vetted by Xome Concierge Listing agent and seller supported by Xome ARM Premium Agent Listing Agent Commission 1.5% Buyer’s Agent Commission Seller Sets Commission to Xome .49%

Purchase Pro (Buy-Side) Package April – September 14, 2017 – 5 months metrics

The Purchase Pro Package for Agents , Purchase Pro Buying Agent Commission Set by seller - typically 3% Referral fee to Xome 35% of buyer’s agents commission Rebate Incentive to Buyer 15% of commission (from Xome) Non-qualifying States* AK, IA, KS, LA, MS, MO, OK, OR &TN *The Purchase Pro Buyer rebate is not available due to applicable state law. Xome will receive the 15% “rebate” in a non-rebate state, for a total to Xome of 35%. April – September 14, 2017 – 5 months metrics 35% Xome 20% Buyer 15% Buyer Rebate Offered

Agent Direct April – September 14, 2017 – 5 months metrics

Why Agent Direct Super Seller? Allows agents the ability to capture business they wouldn’t have had the opportunity to take without the partnership Competitive Listings FSBO Expired Listings Investors Marketing DOMINATE your next listing appointment!!! Agent Direct Super Seller April – September 14, 2017 – 5 months metrics

Agent Direct Super Seller Packages Overview Agents sell the Super Seller package to customers in their market who are adverse to paying sales commissions. Receive all the benefits of the Super Seller package Once the customer agrees, the agent emails a copy of the executed listing agreement to their ARM The ARM will provide agent with the disclosures required for auction program participation Xome commission 1% Agent Direct Super Seller Variable Pricing Examples: 5% Commission – 2% Seller/3% Buyer -Or- 6% Commission – 3% Seller/3% Buyer Agents sell Super Seller features, but puts the seller in charge of commission! The seller decides how much the commission is paid by himself and how much is paid by the buyer Receive all the benefits of the Super Seller package Xome commission 1% Agent Direct Variable Pricing April – September 14, 2017 – 5 months metrics

Build Your Book of Business with the Xome Super Seller Agent Direct Program Build Your Book of Business with the Xome Super Seller

What’s In It For Me? Ask Yourself WIIFM Market Differentiator + Product Options Vetted Leads Invitation to the Seller’s Kitchen Table! Buy-Side Opportunities Helps Build Your Book of Business + Agent Direct Access Self-Service Market April – September 14, 2017 – 5 months metrics

A Few Key Xome Contacts Group Telephone Email and/or Website Agent Direct 844.326.2876 AgentDirect@xome.com Agent Membership 844.927.9284 Agentmembership@xome.com https://xome.xomepro.com/membership/ VMS (agent profiles) Call the Xome Agent team https://vendors.xome.com/Account/Home Cascade 888.321-2192 CascadeSupport@Xome.com https://cascade.solutionstar.com April – September 14, 2017 – 5 months metrics

VMS Retail & REO Profiles A View Into Xome Sites VMS Retail & REO Profiles XomePro Membership XomePro Cascade April – September 14, 2017 – 5 months metrics Xome.com

Xome Agent Membership April – September 14, 2017 – 5 months metrics

Xome Agent Membership Packages .

Xome Agent Network GROUP Facebook JOIN US! April – September 14, 2017 – 5 months metrics

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