2. CU Partners is a division of Stearns Lending, Inc. (established 1989) Licensed in 49 States + D.C. Funded $25 Billion over past 3 years (100,000+ loans funded in-house) Built by credit union people for credit unions. WHY CU PARTNERS

3. We offer people, process and technology to customize the program you want: BUILD YOUR MORTGAGE PROGRAM Member Education Mortgage Resources Secondary Marketing Fulfillment capabilities Loan Servicing Origination Product Selection Staff Training Cross Selling Customer Care Flexibility

4. Access to experienced service provider Workflow expertise in critical areas Flexible: PARTNERING BENEFITS Competitive rates and fees Full product line Expanded member benefits Business Model Staffing & Scalability

5. CUPartners.com WebTrac – real time reporting Daily rate sheet access The Home Loan Center Member can apply online 24/7 Access – Can be linked to your website PRODUCT CHOICES

6. Traditional products to choose from: Conventional, Jumbo FHA, VA, Reverse Mortgage Ongoing consulting services Customize new loan programs Strategies for loan portfolio growth PRODUCT CHOICES

7. Multiple lending channels available Correspondent Wholesale Retail Portfolio Lending Contract Services PRODUCT CHOICES

8. Select just one or use them all: Operations support FULFILLMENT CAPABILITIES Customer Service Processing Underwriting Document & Funding coordination Closing Servicing (Multiple Automated Underwriting Engines) Fixed fee transaction fulfillment Efficient turn times (currently 30 days)

9. Choices for the direction of the funded assets: Place in Credit Union portfolio – asset growth LOAN DELIVERY SOLUTIONS First Right of Refusal Secondary Market – sell assets Private placement

10. Visit us online at: CUPartners.com CUPartners.com