1. Portfolio Lending Programs

2. Introducing the Portfolio Lending Suite We’re pleased to introduce you to our suite of Portfolio Lending products. Each is designed to provide affordable solutions for borrowers who demonstrate ability to repay, but may not qualify for other loan programs for a variety of reasons. Potential borrowers include:  Borrowers who require Jumbo financing with higher qualifying ratios  Borrowers who have recently gone through a negative credit event  Borrowers with lower FICO scores or non-traditional credit histories  Borrowers with several 30-60 day late payments in their credit reports  Foreign nationals who want to buy a second home for visits to the U.S.  Investors who prefer lower minimum loan amounts and unlimited properties

3. This product provides up to $2.5 million in funding and features higher ratios and lower FICO scores. Asset-based qualifying is available for retired prospects with income from their “nest egg” such as an IRA, 401(k), bond portfolio or severance package. Features include:  LTV ratios up to 90% with no MI requirement  DTI ratios up to 50% with compensating factors  5/1 ARM, 30-year fixed-rate and interest-only options  Minimum 660 FICO scoring  Cash-out refinancing up to $750,000  Unlimited financed properties on primary residences  Borrowers must demonstrate ability to repay Jumbo Alternative

4. With higher ratios and competitive credit qualifying, Homeowner’s Access is a financing solution for borrowers who can demonstrate ability to repay, but may have a history of 30-60 day late payments. First-time homebuyers and borrowers with recent unexpected credit events may also qualify. Features include:  Funding up to $2 million  24-month seasoning for bankruptcy, foreclosure, and deed-in-lieu  Minimum 620 FICO scoring  No seasoning requirements for short sales  DTI ratios up to 60% with compensating factors  100% gift funds allowed when provided by family members  Fixed- and adjustable-rate options  Borrowers must demonstrate ability to repay Homeowner’s Access

5. This program is designed for prospective homebuyers who recently experienced a negative credit event due to job loss or a reduction in income. Fresh Start has no seasoning requirements for such credit events, enabling potential borrowers with demonstrated ability to repay to re- establish home ownership sooner. Features include:  No mortgage or pay history requirement  Minimum 580 FICO scoring  DTI ratios up to 50% and LTV ratios up to 80%  Loans up to $2 million  Purchase, rate/term and cash-out refinancing up to $350,000  Fixed- and adjustable-rate terms  Borrowers must demonstrate ability to repay Fresh Start

6. Funding for up to $2 million combined with minimum 620 FICO scoring can add up to create an innovative investment financing solution. This program also provides financing for an unlimited number of owner-occupied, second home and investment properties. Features include:  Low minimum loan amounts from $100,000  Maximum 85% LTV ratios for up to $1.5 million  Cash-out refinancing up to $350,000  Seller contributions up to 6% allowed  30-year fixed-rate and ARM terms  Borrowers must demonstrate ability to repay Investment

7. These loans provide up to $2 million in home financing to non-U.S. citizens seeking financing for a second home here in the U.S. This product also features competitive qualifying guidelines – for example, borrowers may qualify with no available FICO score. Features include:  Low, $200,000 minimum loan amount  Financing for second homes and investment properties  Qualifying borrowers may purchase up to two homes in the U.S.  Minimum 680 FICO scoring if domestic credit is available  Delayed financing purchases treated as rate/term refinances  Maximum 70% LTV ratios  Borrowers must demonstrate ability to repay Foreign National

8. We are committed to providing disciplined credit solutions to qualified borrowers who can demonstrate their ability to repay. Let’s work together to bring mortgage credit to you!