TruHome Solutions Who Is TruHome Solutions?

About TruHome 2 Credit union owned, full-service mortgage company Created to serve credit unions and their members Established in 2004 Over $2B originations and $1.8B servicing Nationwide clients with assets from $25M to $1.7B

TruHome Solutions, LLC - Ownership 3

» We deliver a fully customizable private labeled model enables credit unions to be at the forefront of the relationship with their members. » We provide a mortgage experience that will exceed the credit union members’ expectations and deepen their loyalty to the institution. » We offer the scale and a pricing structure that will eliminate fixed costs, improve profitability and eliminate the need to manage the ever fluctuating mortgage market. » We provide an industry-leading level of mortgage expertise and experience paired with best-in-class technology systems to support the credit union and its members every step of the way! 4 Why TruHome Solutions

5 Private Labeled Partners

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» Phone Systems » Mortgage Documents » Origination Web Site » Servicing Web Site » Monthly Billing Statements » All Member Correspondence 7 Private Labeling Our mortgage program is completely private labeled to each Credit Union

Custom Mortgage Solutions 8 Provide Service Deliver the ultimate service experience for each member that they are accustomed to on other products. Create Results We provide the credit union the ability to determine the level of profitability that they would like to achieve. Form Partnerships Create a partnership that integrates TruHome into each credit union to provide the expertise that members deserve with the mortgage program Deepen Relationships Develop a deep relationship with your members that will ultimately improve household relationship profitability, increase market share, and create even more member loyalty with your most sticky product

9 Delivering the Member Experience - Origination Our seamlessly integrated solutions supports credit unions ability to offer mortgages to your member through multiple channels: Call CenterPrimary WebsiteBranch Locations

10 Service Standards – Commitment to the Member » Commitment to counsel the member » Provide timely and accurate disclosures » Personal calls to answer member questions » Committed to keeping the member informed » Deliver letters of appreciate to the member » Encourage feedback through Member Survey’s » Welcome the member with Servicing Letter “We follow the credit union philosophy, we treat your members as you would” We are credit union owned, our employees are committed to a higher level of service to ensure the lending process is efficient, friendly, and accurate.

11 Extensive Mortgage Products Enhance your product offering to your members by utilizing our partnerships in the secondary market. “It’s up to you to determine the products your credit union offers” » Approved Seller/Servicer with FNMA/FHLMC/GNMA » Approved Sub-Servicer with FHLB » All Conventional FNMA/FHLMC products, including FHA/VA/USDA » Aggregated Pricing with GSE’s

12 Delivering the Member Experience - Servicing We can easily manage your member’s mortgage loan with our experienced, dedicated, and efficient personnel. » Escrow Analysis » Tax & Insurance » Tracking » Regulatory Letters » ARM Change Notifications » Year-End Reporting » Collections » Investor Reporting » Payoff & Release » Bankruptcy & Foreclosure Servicing Mortgage Loans in 50 States