1. Guaranteed Rate Overview Copyright © 2000-2014 Guaranteed Rate. All rights reserved. Presented By: Tom Pessemier, Vice President of Mortgage Lending

2. About Guaranteed Rate 2 Copyright © 2000-2014 Guaranteed Rate. All rights reserved.

3. One of the 10 Largest Retail Mortgage Lenders in the US Founded in 2000 by President and CEO Victor Ciardelli Licensed in all 50 states and Washington D.C. Approximately 170 offices nationwide 3 Copyright © 2000-2014 Guaranteed Rate. All rights reserved. Closed Loan Volume, 2000-2013

4. Industry Leading Customer Service 4 Copyright © 2000-2014 Guaranteed Rate. All rights reserved.

5. 5 Copyright © 2000-2014 Guaranteed Rate. All rights reserved. GR Spokesperson – Ty Pennington Host of Extreme Makeover: Home Edition and home design guru Featured on guaranteedrate.com, Partner Xchange, and in our national advertising campaign National TV commercials Scheduled to appear at various events nationwide

6. Our Competitive Advantage Fast and transparent mortgage process In-house underwriting and closing 24-48 hour underwriting turn times Full product offering with top lending institutions FHA loans and in-house FHA underwriting FHA/FNMA in-house condo approvals Full FHA 203(k) department VA & USDA loans Jumbo financing experts Online application – fast, free and easy 6 Copyright © 2000-2014 Guaranteed Rate. All rights reserved.

7. Loan Options 7 Copyright © 2000-2014 Guaranteed Rate. All rights reserved.

8. Conforming Options 8 Correspondent Lenders available 95% financing available with PMI & condos Direct Lender with Fannie/Freddie, Fixed & ARMS Locks available without a secured property DU Refi Plus and Freddie Open Access Programs Guaranteed Rate Warrants all Condos & Coops through internal condo departments Condo 51% CPM Approval / PERS Available Purchases on properties owned <90 days with unlimited increase in sales price with Fannie /Freddie 8 Copyright © 2000-2014 Guaranteed Rate. All rights reserved.

9. FHA FHA streamline with no appraisal 10 Correspondent lenders available FHA High Balance available In house Condo approvals No minimum trade line requirements 90 day purchase flips OK with unlimited increase in value Minimum FICO score 620 9 Copyright © 2000-2014 Guaranteed Rate. All rights reserved.

10. VA & USDA 7 Correspondent lenders available 100% Financing IRRRLs available VA Jumbo Minimum FICO score 640 10 Copyright © 2000-2014 Guaranteed Rate. All rights reserved. Second Mortgages 80/10/10 Fixed & HELOC available

11. Jumbo Options 20 Correspondent Lenders available 20 Wholesale Lenders available Non-warrantable Condos up to $1,000,000 Correspondent/ $3,000,000 Broker 90% LTV on SFR/Condo to $850,000 80% LTV to $2,500,000 70% LTV to $3,000,000 In House Delegation 50% DTI Foreign National Programs ARM Interest Only Available 11 Copyright © 2000-2014 Guaranteed Rate. All rights reserved.

12. Commercial Loans Simple Process/All data collection, underwriting and processing done by investors Multi-Family (Apartments) $1,000,000 & up to 80% LTV Owner Occupied to $9,000,000 up to 90% LTV Office & Industrial $1,000,000 & up to 75% LTV Investment Owned Single Tenant Investment Properties $1,000,000 & up to 75% LTV 12 Copyright © 2000-2014 Guaranteed Rate. All rights reserved. *Commercial loans not available in AZ, CA, NJ, NY, NC & VT.

13. Lock ‘n’ Roll – Exclusive New Program Borrowers can now get pre-approved and locked into a rate while they are still house hunting. Lock in a rate for 55, 70 or 85 days while shopping for a property before signing a purchase contract Option to renegotiate rate if rates go down All property and occupancy types Conventional fixed rate (Fannie Mae and Freddie Mac) FHA and VA fixed rate 15, 20 and 30-year products 13 Copyright © 2000-2014 Guaranteed Rate. All rights reserved.

14. Industry Low Rates and Fees We shop for the best rates and products from the nation’s top lenders to find the perfect fit for your needs. We provide a daily “apples-to-apples” comparison of the lowest rates and fees of top lenders. When everybody’s rates are compared on a level field, Guaranteed Rate comes out on top. 14 Copyright © 2000-2014 Guaranteed Rate. All rights reserved.

15. Online Application 15 Copyright © 2000-2014 Guaranteed Rate. All rights reserved.

16. Real Time Pre-Approvals in the Comfort of Your Home in 15 Minutes Our easy, intuitive online application allows you to choose the rate you want, and get pre-approved instantly. 16 Copyright © 2000-2014 Guaranteed Rate. All rights reserved. 1.Choose a loan and rate 2.Free credit report 3.Instant approval 4.Print a pre-approval letter 5.Save $150 at closing

17. Instant Pre-Approval Letter for You 17Copyright © 2000-2014 Guaranteed Rate. All rights reserved. With instant pre-approval, you’ll have the advantage over other buyers

18. 24/7 Loan Status for You 18Copyright © 2000-2014 Guaranteed Rate. All rights reserved. With automated email notifications for each step of the process

19. Added Benefits 19 Copyright © 2000-2014 Guaranteed Rate. All rights reserved.

20. Free Informative e-books 20 Copyright © 2000-2014 Guaranteed Rate. All rights reserved. These jargon-free downloadable e-books are full of great information and available for instant download on my website!

21. Contact me for all your home financing needs 21Copyright © 2000-2014 Guaranteed Rate. All rights reserved. John Smith Vice President of Mortgage Lending P: 941-313-8148 C: 425.780.6374 Tom.Pessemier@guaranteedrate.com www.guaranteedrate.com/tompessemier NMLS ID:117989 FL – LO23120 – MLD618, WA – MLO–117989 – CL2611 NMLS (Nationwide Mortgage Licensing System) ID 2611 AL - Lic# 21566 AK - Lic#AK2611 AR - Lic#103947 - Guaranteed Rate, Inc. 3940 N Ravenswood, Chicago IL 60613 866-934-7283 AZ - Guaranteed Rate, Inc. - 14811 N. Kierland Blvd., Ste. 100, Scottsdale, AZ, 85254 Mortgage Banker License # BK-0907078 CA - Licensed by the Department of Business Oversight, Division of Corporations under the California Residential Mortgage Lending Act Lic #413-0699 CO - Guaranteed Rate, Inc. Regulated by the Division of Real Estate, 773-290-0505 CT - Lic #17196 DE - Lic # 9436 DC - Lic #MLB 2611 FL - Lic# MLD618 GA - Residential Mortgage Licensee #20973 - 3940 N. Ravenswood Ave., Chicago, IL 60613 HI - Lic#HI- 2611 ID - Guaranteed Rate, Inc. Lic #MBL-5827 IL - Residential Mortgage Licensee – Illinois Department of Financial & Professional Regulation, 3940 N Ravenswood Ave, Chicago, IL 60613 MB.0005932 IN - Lic #11060 & #10332 IA - Lic #MBK-2005-0132 KS - Licensed Mortgage Company - Guaranteed Rate, Inc. - License #MC.0001530 KY - Mortgage Company Lic #MC20335 LA - Lic #RML2866 ME - Lic #SLM1302 MD - Lic #13181 MA - Guaranteed Rate, Inc. - Mortgage Lender & Mortgage Broker License MC 2611 MI - Lic #FR0018846 & SR0018847 MN - Lic #MO 20526478 MS - Guaranteed Rate, Inc. 3940 N. Ravenswood Ave., Chicago, IL 60613 - Mississippi Licensed Mortgage Company, Lic # 2611 MO - Guaranteed Rate Lic # 10-1744 MT - Lic# 2611 Licensed in NJ: Licensed Mortgage Banker - NJ Department of Banking & Insurance NE - Lic #1811 NV - Lic #3162 & 3161 NH - Guaranteed Rate, Inc. dba Guaranteed Rate of Delaware, licensed by the New Hampshire Banking Department - Lic # 13931-MB NM - Lic #01995 NY - Licensed Mortgage Banker - NYS Department of Financial Services- 3940 N Ravenswood, Chicago, IL 60613 Lic # B500887 NC - Lic #L-109803 ND - Lic #MB101818 OH - Lic #MBMB.850069.000 & Lic #SM.501367.000 - 3940 N. Ravenswood Ave., Chicago, IL 60613 OK - Lic # MB001713 OR - Lic #ML-3836 - 3940 N. Ravenswood Ave., Chicago, IL 60613 PA - Licensed by the Pennsylvania Department of Banking and Securities Lic #20371 RI - Rhode Island Licensed Lender Lic # 20102682LL, RI - Rhode Island Licensed Loan Broker Lic # 20102681LB SC - Lic #-2611 SD - Lic# ML.04997 TN - Lic #109179 TX - Lic # 50426 & Lic # 47207 UT - Lic #7495184 VT - Lic #LL6100 & MB930 VA - Guaranteed Rate, Inc. - Licensed by Virginia State Corporation Commission, License # MC-3769 WA - Lic #CL-2611 WI - Lic #27394BA & 2611BR WV - Lic #ML-30469 & MB-30098 WY - Lic#2247