Soar, Shine, Succeed with AmeriFirst

Trust Collaboration Efficiency Innovation

Table of Contents

Letter from the CEO . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 Welcome to AmeriFirst . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4 Creating Your Own Personal Brand . . . . . . . . . . . . . . . . . . . . 6 Improving Your Online Influence . . . . . . . . . . . . . . . . . . . . . . . 8 AmeriFirst Resource Center (ARC) . . . . . . . . . . . . . . . . . . . . 10 Total Expert - Save Time and Money . . . . . . . . . . . . . . . . . . 12 Educate2Earn - Building Your Business . . . . . . . . . . . . . . . . 14 Protect Your Transaction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16 RELO Funding . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18 Work Hard. Play Hard. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20 Operations - Committed to the Team . . . . . . . . . . . . . . . . . . 21 Connecting the Dots . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22 Leadership Team . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24 Employee Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25

Letter from the CEO AmeriFirst Financial, Inc. has proudly assisted clients in achieving the dream of homeownership for more than 30+ years. We have remained a trusted provider of mortgage loans due to sustained financial growth combined with expansion throughout the United States. With branches nationwide and growing, AmeriFirst remains committed to providing unparalleled customer service and quality mortgage products.

As a company focused on purchase business, we strive to become the lender of choice for real estate professionals across the country. In order to gain and keep the trust of our referral partners, we make it a priority to hire the industry’s best talent. Our culture is built on pursuing excellence—the AmeriFirst professional has a desire to be the best and to keep improving.

We all have a responsibility to make our origination team successful, and each department takes their responsibility to heart. When you spend the time to get to know AmeriFirst you will discover: • A secondary department proactively working to expand our loan program options • A work process group looking to value engineer our processes in order to bring forward competitive pricing to the marketplace • An underwriting team that is a partner for our Loan Originators to work with — not an obstacle to go through • A doc and funding department that prides itself on same day turnarounds • A marketing team that is second to none We hope you take the time to learn more about the AmeriFirst family. I know that you will not be disappointed.

In your success,

Eric Bowlby Eric Bowlby, Chief Executive Officer

To learn more, contact us at: opportunities@amerifirst.us

Onboarding

Welcome to AmeriFirst Financial, Inc. Your future is our first priority. The AmeriFirst onboarding process ensures Loan Originators have immediate access to the education and tools required for success. Newly hired production staff travel to sunny Arizona where they are immersed in all things AmeriFirst for two full days. Beginning with the loan process and ending with a keynote from Chief Executive Officer, Eric Bowlby, Originators leave with a solid understanding of the loan process, marketing tools, and overall workflow.

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opportunities@amerifirst.us

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Sales and Marketing

Creating your personal AmeriFirst branding What is branding?

A disciplined process used to build awareness and extend customer loyalty. Branding is about seizing every opportunity to express why people should choose one brand over another. It expresses a desire to lead, outpace the competition, and aids in providing the best tools to reach your customers.

Color is contextual. So, when thinking about a color for your branding and marketing materials, it is important to understand how a particular color translates to a customer.

To assist you with your branding efforts, AmeriFirst has three branding color options that utilize an Americana theme to piggyback off our corporate branding.

Flagstripe Red Secure Ambitious Expert

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Sky Blue Trustworthy Encouraging Productive

Signature Black Straight forward Confident Accomplished

opportunities@amerifirst.us

Business card (Sky Blue) Direct: 925.357.3655

Facebook / Instagram announcement (Sky Blue)

Mobile: 925.587.3487 Fax: 925.357.4983 Email: magent@samerifirst.us Website: magenthomeloans.com

Mike Officer

Senior Mortgage Loan Officer NMLS 592304

NMLS: 1234567 | NMLS: 1234567 2010 Crow Canyon Place, Suite 100, Office 406 San Ramon, CA 94583

Facebook cover banner

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Sales and Marketing

Improving your online influence.

Building your online brand has never been more important than in today’s digital age.

AmeriFirst Financial, Inc. provides you with the tools needed to effectively build and expand your business online.

The automated testimonial management platform gives you access to a comprehensive recommendation and referral system. You can easily request recommendations. As recommendations are received, they can be published on all of your digital platforms with one click.

Upgrade to the advanced automated testimonial management platform and seamlessly turn testimonials and photos into compelling online ads to stay top-ofmind with your referral network. Your ad will display your latest testimonial to ensure your messages stay current.

By loading your “contact list” into the platform, you will make sure your contacts see your message as they browse the web.

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opportunities@amerifirst.us

Individual Loan Originator website

Loan Originators receive a personalized website that allows borrowers to apply online securely and with ease. The modern design is simple for borrowers to navigate, and deposits loan applications straight into Encompass.

Branded Business Facebook page

AmeriFirst will set you up with your branded Business Facebook page so you can engage with your audience and gather more leads.

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Sales and Marketing

We make it all so easy.

AmeriFirst Resource Center, better known as The ARC, is the centralized hub for all things AmeriFirst.

Sales driven reporting functions allow Loan Originators to keep track of UW queues, volume, and where they rank in sales trip standings.

Training on processes, procedures, and Encompass are easily accessible through the Training button.

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AmeriFirst employees have direct access to a plethora of marketing resources through the ARC. Originators can view marketing collateral, order AmeriFirst promotional items, get tools and tips, and order business cards by clicking on the Marketing button.

opportunities@amerifirst.us

Marketing Resource Center (MRC)

Your destination to all things marketing.

Whether you are looking for marketing materials to send to homebuyers or agents, The MRC has what you need.

Promote your partners and yourself!

Choose from hundreds of professionally designed marketing materials to customize and co-brand.

What would you do with a little extra cash?

Turn your vision into reality with a FHA 203K Loan

Did you know that refinancing your home at a lower interest rate could potentially save you hundreds of dollars per month? Allowing you to...

take a vacation!

Old Loan

New Loan

5.5% (5.625% APR)

4.75% (5.1% APR)

Current Balance*

$300,000

$300,000

Payment (Principal& Interest)

$1,703.37

$1,564.94

Interest Rate

* This example assumes a 30 year fixed mortgage with a 20% down payment on the original loan and a 1% origination fee.

Contact me for more information!

Mike Officer

Senior Mortgage Loan Officer | NMLS 1621398 | AZ Lic 0947864

203K Limited

203K Standard

• Repair or install a new roof • New appliances • Interior and exterior paint

• Convert a single family residence to a 4-unit • Room additions • Landscaping

Contact me for more information!

D: 480.339.1460 | M: 602.774.6505 Email: magent@amerifirst.us www.mofficer.loans.com AmeriFirst Financial, Inc. NMLS 145368 | AZBK 0013635 4550 E. Bell Rd., Ste. 163, Phoenix, AZ 85032 AmeriFirst Financial, Inc., 1550 E. McKellips Road, Suite 117, Mesa, AZ 85203 (NMLS # 145368). 1-877-276-1974. Copyright 2019. All Rights Reserved. This is not an offer to enter into an agreement.

Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions and limitations apply. AZ: Arizona Mortgage Banker License No. BK0013635; CA: Licensed by The Department of Business Oversight under the California Residential Mortgage Lending Act; CO: Regulated by the Division of Real Estate; GA: Georgia Residential Mortgage Licensee; MN: MN-MO 145368, Any offer may only be made in accordance with the requirements of Minn. Stat. Section47.206 (3) & (4); NJ: Licensed by the New Jersey Department of Banking and Insurance; NV: Licensed Nevada Mortgage Broker; OH: Mortgage Broker Act Certificate of Registration # MB.804253.000; OR: Mortgage Lender License ML-5518; TN: AFI Mortgage, a division of AmeriFirst Financial, Inc. is not affiliated with or provided by a bank, S&L, savings bank, or subsidiary, or affiliated of any such entity; WA: Washington Consumer Loan Company License No. CL-145368. AmeriFirst Financial, Inc. is an independent mortgage lender and is not affiliated with the Department of Housing and Urban Development (HUD) or the Federal Housing Administration (FHA).

Mike Officer

Senior Mortgage Loan Officer | NMLS 1621398 | AZ Lic 0947864 D: 480.339.1460 | M: 602.774.6505 Email: magent@amerifirst.us www.mofficer.loans.com AmeriFirst Financial, Inc. NMLS 145368 | AZBK 0013635 4550 E. Bell Rd., Ste. 163, Phoenix, AZ 85032

AmeriFirst Financial, Inc., 1550 E. McKellips Road, Suite 117, Mesa, AZ 85203 (NMLS # 145368). 1-877-276-1974. Copyright 2019. All Rights Reserved. This is not an offer to enter into an agreement.

Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions and limitations apply. AZ: Arizona Mortgage Banker License No. BK0013635; CA: Licensed by The Department of Business Oversight under the California Residential Mortgage Lending Act; CO: Regulated by the Division of Real Estate; GA: Georgia Residential Mortgage Licensee; MN: MN-MO 145368, Any offer may only be made in accordance with the requirements of Minn. Stat. Section47.206 (3) & (4); NJ: Licensed by the New Jersey Department of Banking and Insurance; NV: Licensed Nevada Mortgage Broker; OH: Mortgage Broker Act Certificate of Registration # MB.804253.000; OR: Mortgage Lender License ML-5518; TN: AFI Mortgage, a division of AmeriFirst Financial, Inc. is not affiliated with or provided by a bank, S&L, savings bank, or subsidiary, or affiliated of any such entity; WA: Washington Consumer Loan Company License No. CL-145368. AmeriFirst Financial, Inc. is an independent mortgage lender and is not affiliated with the Department of Housing and Urban Development (HUD) or the Federal Housing Administration (FHA).

Experience peace of mind.

With a Protect Your Transaction® loan commitment, your buyers can smile with confidence in knowing that their loan financing has been: • Underwritten upfront by an actual underwriter • Safeguarded and backed by a monetary assurance • Selected to receive the highest level of protection from unforeseen issues • 100% backed by the lender

AMERIFIRST FINANCIAL, INC.

PROTECT YOUR TRANSACTION ®

Ready. Committed. Secure. protectyourtransaction.com

Contact me for more information.

Mike Agent

Senior Mortgage Loan Officer | NMLS 1621398 | AZ Lic 0947864 D: 480.339.1460 | M: 602.774.6505 Email: magenr@amerifirst.us www.magentmohomeloans.com 4550 E. Bell Rd., Ste. 163, Phoenix, AZ 85032 AmeriFirst Financial, Inc. NMLS 145368 | AZBK 0013635 AmeriFirst Financial, Inc., 1550 E. McKellips Road, Suite 117, Mesa, AZ 85203 (NMLS # 145368). 1-877-276-1974. Copyright 2018. All Rights Reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions and limitations apply. AZ: Arizona Mortgage Banker License No. BK0013635; CA: Licensed by The Department of Business Oversight under the California Residential Mortgage Lending Act; CO: Regulated by the Division of Real Estate; WA: Washington Consumer Loan Company License No. CL-145368; New Jersey: Licensed by the N.J. Department of Banking and Insurance.

AmeriFirst Financial, Inc. is an independent mortgage lender and is not affiliated with the Department of Housing and Urban Development (HUD) or the Federal Housing Administration (FHA).

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Sales and Marketing

Save time and money by utilizing Total Expert.

Total Expert, our enterprise CRM solution made specifically for financial services, helps to simplify and expedite the loan process AND offers you a comprehensive digital marketing platform.

Partner Page Open House Lead Capture

Flyer / Infographic

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opportunities@amerifirst.us

Daily Digest

Focused View - Refinance Opportunities

Dashboard

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Sales and Marketing

Connect. Lead. Succeed.

Elevate your earning power and potential with the ultimate marketing platform, Educate2Earn!

Educate2Earn is an innovative, education platform that supports building your business by gaining direct access to real estate agents. Our process is simple and seamless. When you partner with us you will have a full library of workshops at your disposal. Once certified as an instructor, you will gain access to our continuing education course content.

Educate2Earn Teaching Kits Include: • Engaging course content delivered in an easy to use PowerPoint show format

• Video advertisements for you to use to promote on social media

• An instructor facilitator guide with slide-by-slide instructions for timing and delivery

• Professionally designed promotional flyers, brochures, and other marketing materials

• Interactive handouts designed with adult learning theory in mind

• Administrative documents to track follow-up information and gather participant feedback

How much different would your business be if you...

• had face-time with 200+ Realtors a year?

• started the relationship-building process from a position of influence and expertise?

• branded yourself as a source of information, creating an edge, and opening doors to new business?

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opportunities@amerifirst.us

The Educate2Earn platform has given me a systematic way to add value to my existing relationships, while simultaneously cultivating new partnerships. E2E has helped me build familiarity in the marketplace while integrating continuing education and public speaking into my marketing plan.

Branch Manager Texas

Popular Content: • First-Time Homebuyers • Credit Regulations and Consumer Protection • Technology’s Impact on Today’s Seller • Ethical Practices with Mobile Communication • Condo Disclosures: Agent, Buyer & Seller

Educate2Earn has assisted in growing my business by providing a value-add to agents!

E2E has positioned me as an expert to my current sphere and gives me an opportunity to meet new agents on a regular basis.

Mortgage Loan Originator Colorado

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Sales and Marketing

Experience peace of mind.

With a Protect Your Transaction® loan commitment, your buyers can smile with confidence in knowing that their loan financing has been: • Underwritten upfront by an actual underwriter • Safeguarded and backed by a monetary assurance • Selected to receive the highest level of protection from unforeseen issues • 100% backed by the lender

AMERIFIRST FINANCIAL, INC.

PROTECT YOUR TRANSACTION ® Ready. Committed. Secure.

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opportunities@amerifirst.us

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Additional Services

Increase your income on every Conventional transaction.

We have developed a system that allows Real Estate professionals to increase their income on every Conventional transaction, as well as creating an additional income stream by inviting their network of friends…all while putting the consumer first!

Transparency

RELO Originators have full transparency into life-cycle of the loan and have influence on the process.

Price

We take great pride in maintaining competitive pricing.

Process

Our commitment to the purchase market creates effective and efficient processes that consistently deliver value.

Visit our website!

www.joinrelofunding.com TM

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opportunities@amerifirst.us

TM

Performance

We offer a $15K performance assurance on the loan. If we say it’s going to close – it’s going to close!

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Work hard. Play hard.

Each year, AmeriFirst Financial, Inc. rewards the relentless efforts of our top producers with an all-expense paid luxury vacation.

Whether the destination has been Maui, Cancun, Coeur d’Alene, or one of our other picturesque locations, our Platinum Performers and their guest experience the trip of a lifetime.

exico

Cancuun, M

Coeur d’Ale

ne, Idaho

i i a w a H , i u a M 20

opportunities@amerifirst.us

Operations

Committed to the team.

AmeriFirst Financial, Inc. understands the importance of efficiency in operations. Our talented team of professionals are in constant pursuit of obtaining quality loan programs, systems, and procedures.

AmeriFirst Operational Highlights

Loan Products

• Fannie Mae Direct Seller

• FHA

• In-House Disclosures

• VA

• E-Disclosures

• Conventional

• SmartGFE

• Jumbo

• Encompass 360 Loan Originating System

• USDA

• Optimal Blue Pricing Engine

• Reverse Mortgage

• Delegated In-House Underwriting

• Bond Programs (where available)

• Docs Drawn In-House

• Niche Programs

• In-House Funding

• Commercial Financing

• Real Time Pipeline Management Tools

Superior Operational Support • A secondary department that continuously works to increase our loan program options • An underwriting team that strengthens your competitive edge • A doc and funding department that prides themselves on giving you same day turnarounds • A top-notch marketing team that will do whatever they can to help you succeed • A work process group looking to bring competitive pricing to the marketplace

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Connecting the dots

Let’s review how a small sample of the will help Loan Originators

Meet LO Joe. He is a Loan Officer with AmeriFirst Financial, Inc.

He taught an Educate2Earn workshop where he met Real Estate Agent Annie.

LO Joe knew Agent Annie had an open house coming up, so he went to Total Expert (CRM) to create promotional materials for Annie’s listing, including a single property website and a lead capture page for prospects walking through the open house that automatically go into Annie and Joe’s Total Expert account.

While they were shopping, Buyer Betty uploaded all of her required loan documents electronically straight from her phone!

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Agent Annie met Buyer Betty at the open house.

Agent Annie and Buyer Betty found a home that Buyer Betty liked and used the initially issued pre-qual from LO Joe’s Floify account to write their offer.

Unfortunately, the Seller did not accept her offer.

opportunities@amerifirst.us

LO Joe got Agent Annie’s contact information and immediately entered it into Total Expert. He decided to add her to Total Expert’s Realtor marketing campaign.

Due to LO Joe staying in constant contact with Agent Annie, she encouraged Buyer Betty to visit his AmeriFirst website.

The following day, a new listing hit the market that Buyer Betty loved and she wanted to write an offer quickly! The initial pre-qual was written for $250,000, but this home was listed at $275,000. Buyer Betty was approved for up to $300,000, so Agent Annie and Buyer Betty needed a new pre-qual.

AmeriFirst sales and marketing tools throughout their sales cycle.

LO Joe also added Agent Annie to his social media sites, including his AmeriFirst Business Facebook page. Now, she will receive mortgage rate updates and real estate posts from LO Joe’s social media accounts.

Buyer Betty visited LO Joe’s website and found it very informative. She clicked on the Apply Now link and started the application process.

Because Agent Annie had 24/7 access to Buyer Betty’s pre-qual, she was able to immediately log into her Floify account, given to her by LO Joe, and request the purchase price to be adjusted of the pre-qual up to the amount she is approved for, and they submitted their offer! They made the changes to the pre-qual and submitted the offer without LO Joe being involved!

LO Joe’s social media accounts include shared posts of unique loan/niche program highlights including PYT, as well as 5 star testimonials for great service.

Buyer Betty’s application went straight into LO Joe’s Encompass account. LO Joe received notification about the application. He pushed it into his Floify account.

Buyer Betty’s offer was accepted!

Buyer Betty’s application was reviewed and everything checked out. A pre-qual was issued directly to Buyer Betty and Agent Annie through LO Joe’s Floify account. Buyer Betty was ready to go shopping for a new home!

Buyer Betty was thrilled with her home buying experience. Just as Buyer Betty was thinking about how she could not wait to tell everyone about how fantastic working with LO Joe was, she received an email requesting her testimonial. This referral exchange occurred without LO Joe lifting a finger due to the automated testimonial management platform.

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Leadership Team

Eric Bowlby

Chief Executive Officer An industry-recognized leader, Eric Bowlby leads the development and execution of strategic plans and objectives. His efforts have been instrumental in assembling the outstanding team that is responsible for making AmeriFirst Financial, Inc. the organization it is today.

Ken Bowlby

Robin Kasitz

Steve Larsen

Renee Zabel

Kelly Powers

Mark Madsen

Ken Staker

Craig Willis

Secretary and Board Member

Director Government Relations

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Chief Operations Officer

Director of Marketing

Chief Financial Officer

Chief Information Officer

opportunities@amerifirst.us

Chief People Officer

Chief Technology Officer

Employee Benefits We take pride in taking care of you

Health Insurance AmeriFirst Financial, Inc. employees have access to comprehensive medical, dental, vision, and prescription PPO and HSA plans effective on the first of the month following 30 days of employment. AmeriFirst helps to offset the cost of these benefits by subsidizing a substantial portion of the employee coverage.

Disability Benefits AmeriFirst employees are eligible to participate in the short term disability and long term disability income replacement plans voluntarily for a minimum cost. In the event an employee is unable to work for extended periods of time due to illness or injury, our employees can elect short term and long term disability benefits, which include commission earnings in the benefit calculation.

401k AmeriFirst cares about the future financial comfort of its employees and maintains a qualified 401(k) retirement plan (and ROTH option) with a diverse fund line-up, online access, the ability to change your contribution as frequently as each pay period.

The plan allows rollovers from other qualified plans.

Our employees can begin participating on the first of the month following 30 days of employment.

Life Insurance AmeriFirst provides a company-paid life insurance policy for each of its employees up to $50,000.

Supplemental Life Insurance

Pre-Paid Legal

Employees can elect additional life and accidental death and dismemberment insurance up to $500,000 as well as coverage for their spouse and/or child(ren).

AmeriFirst employees have the ability to enroll in a pre-paid legal benefit plan through LegalShield.

This benefit provides participants with access to legal resources and peace of mind when needed.

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AmeriFirst Financial, Inc. NMLS 145368 | AZBK 0013635 | CA-DBO 4130901 1550 E. McKellips Road Suite 117, Mesa, AZ 85203 P: 877.276.1974 opportunities@amerifirst.us AmeriFirst Financial, Inc., 1550 E. McKellips Road, Suite 117, Mesa, AZ 85203 (NMLS # 145368). 1-877-276-1974. © 2022. All Rights Reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions and limitations apply. AmeriFirst Financial, Inc. is an independent mortgage lender and is not affiliated with the Department of Housing and Urban Development or the Federal Housing Administration. Not intended for legal or financial advice. Visit https://amerifirstloan.com/pages/state-licensing for all state licenses information. Visit NMLS Consumer Access at https://www.nmlsconsumeraccess.org/.

10.6.2022