1. August 9-11, 2015 2015 Summer Conference

2. Background The Mortgage Collaborative was founded in 2013 to empower small- to mid-size mortgage lenders across the country with better financial execution, reduced costs, and enhanced market expertise. By building an environment of collaboration between “Best in Class” Members and Vendor Partners, the Network will succeed in cultivating a more profitable business environment as well as a positive experience for the homeowner.

3. Our Founders John Robbins, CMB - 2007 Chairman Mortgage Bankers Association Gary Acosta - CEO, National Association of Hispanic Real Estate Professionals David Kittle, CMB - SVP Federal Solutions, First American Mortgage Solutions, 2009 Chairman Mortgage Bankers Association Jim Park - Former Chairman, Asian Real Estate Association of America A Vision for the Future

4. The Management Team Jim Park - CEO David Kittle, CMB - Vice Chairman Rich Swerbinsky - EVP National Sales and Strategic Alliances Nancee Mueller, CMB - VP Member and Vendor Services Kathy Acosta – Operations Manager JoAnn Roth – Event Manager

5. Board of Directors 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 Regina Lowrie, CMB, President and CEO, RML Advisors – 2006 MBA Chairman Debra Still, CMB, President and CEO, Pulte Financial Services – 2013 MBA Chairman, Board Secretary of The Mortgage Collaborative

6. 1.True Cooperative – privately held and we ONLY sell membership 2.Low cost to entry 3.Experienced leadership team and board with commitment to the mortgage industry 4.Strong commitment to helping our Member companies prepare for the changing face and demographics of the American homebuyer 5.Culture – this is a relationship business What Differentiates TMC

7. 1.Financial Vendor Partners offering discounts and incentives Reduced expenses and higher revenues 2.Networking and Education Industry’s leading conferences – February and August Top industry expert speakers, networking and educational opportunities Education and networking throughout the year 3.Strategic Business Support Diverse market strategy Point of sale connections and purchase money business CRA program Membership Benefits

8. Carefully Managed Growth Build our team and the Network with a commitment to true excellence TMC strives be the best cooperative in the marketplace Only “Best in Class” Members and Vendor Partners Strong due diligence Controlled number of Vendor Partners in each segment creates a strong value proposition

9. State of TMC Addition of two full-time, seasoned industry professionals within the past five months Membership is growing – current annual origination volume in excess of $21 Billion 29 Vendor Partners 7 non-Vendor Partners

10. Ritz Carlton Dove Mountain Tucson, Arizona February 21-23, 2016