1. 2016 TMC Winter Conference Welcome

2. Mission “A Mortgage Cooperative Singularly Focused on the Growth and Profitability of Independent Mortgage Bankers and Community Lenders”

3. The Promise Strive for Best-in-Class Members and Vendor Partners Create an environment of collaboration Remain a truly independent cooperative Drive value beyond pricing and best execution of the Network

4. Leadership Team Behind TMC John Robbins, CMB, Chairman of The Mortgage Collaborative Gary Acosta, CEO and Co-Founder, NAHREP David Kittle, CMB, Vice Chairman of The Mortgage Collaborative Jim Park, CEO of The Mortgage Collaborative Phil Bracken, CMB – Chief Policy Officer, Radian David Leichtfuss, President and Founder, Broadview Mortgage Sue Meitner, President and CEO, Centennial Lending Group Arthur Prieston esq. CMB, Chairman, The Prieston Group Jamie Korus, President, Alliance Home Loans Bill Cosgrove, President and CEO, Union Home Mortgage Jason Madiedo, President, Alterra Home Loans Regina Lowrie, CMB, President and CEO, RML Advisors Debra Still, CMB, President and CEO, Pulte Financial Services & Secretary of The Mortgage Collaborative

5. Our Growth Since our August 2015 Summer Conference, TMC membership has grown to 48 members representing over $85 billion in annual origination volume. We have added 28 new Vendor Partners for a total of 45. We have alliance relationships with Fannie Mae, Freddie Mac and the MBA We have 170 attendees at this conference.

6. Winning in today’s changing market Understand the changing business and regulatory environment Getting ahead of the evolving consumer preferences and needs Embrace technology to reduce cost and delivering better outcomes Right Fulfillment Partners Learning from your Peers

7. Collaboration & Success Take advantage of the top notch education Technology, leadership, recruitment, diverse segments, Fannie Mae/Freddie Mac, FHA, Washington Update, Non-QM..etc. Connect with Your Peers Networking and Members only session Start a dialogue with some of our preferred vendor partners Wide range of vendor partners with preferred pricing and enhanced services that can help your business