Agent Advantage Non CB

AGENTADVANTAGE

A Powerful Brand

Guaranteed Rate Affinity is a strong national brand with great momentum. + GRA is a partnership created between Anywhere Real Estate Inc., and Guaranteed Rate in 2017 + Currently has 980 employees + Over 528 offices across the country and licensed in 49 states + We have a relationship with the Anywhere Integrated Venture Partner LLC family of companies + We have a relationship with the Anywhere Integrated Services family of title companies + Major sports sponsorships across the nation and official naming rights to For agent presentation Chicago White Sox stadium

Nationally Recognized (and still not satisfied)

Our Parent Company, GR, Inc., has earned these honors

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Better Together

The power of this partnership will make everybody look good. + Anywhere Real Estate Inc., the leading residential real estate company in the world, partnered with Guaranteed Rate Inc. to form Guaranteed Rate Affinity + 79% of consumers believe onestop shopping makes the process more efficient and manageable

*Statistics were based on a NAR/Harris Poll of Consumer Preferences for Real Estate Services Performed in 2008, 2010, 2015, and most recently in 2019.

Coldwell Banker and Guaranteed Rate Affinity, LLC share common ownership and because of this relationship the brokerage may receive a financial or other benefit. You are not required to use Guaranteed Rate Affinity, LLC as a condition of purchase or sale of any real estate.

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Your Customer Experience

The perfect combination of technology and human touch.

96%

of our customers would refer us to their friends and families.

Source: Guaranteed Rate Affinity’s Client Satisfaction Surveys 2022

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HELPING YOU LOOK GOOD

Mortgage Calculators

Easy to use calculators for you and your clients at your fingertips. + By putting buyers in the driver’s seat, we allow them to do their own research, saving you time in the process + Our mortgage calculators are open to everyone—anytime, anywhere + You and your clients can use these calculators to help inform you of potential monthly payments and mortgage costs including loan amount, down payment, interest rate and more

Sample down payment, rates, and APR are provided for illustration purposes only and are not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard.

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Digital Mortgage

Your clients can easily complete the entire process in as few as 15 minutes. + Generates recommended loan options with real-time rates + Advanced Asset Verification: Hasslefree automated bank statement gathering + LoanBeam technology simplifies taxreturn income for faster and more accurate income analysis + Personalized document to-do list guides clients through the process

Our parent company, Guaranteed Rate, Inc. received NerdWallet Best Online Mortgage Lender from 2021 and 2019

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Best Online Mortgage Lender

Toto

Our on-the-go mobile tech enables me to update your preapprovals anywhere, in seconds. + Never worry about getting your buyers’ pre-approval letters updated + We can send quotes to your buyers’ via text, lock loans and start the loan process in Toto + We don’t keep banker’s hours— we’re available Saturday and Sunday, day or night

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PowerBid Approval*

Buyers can get a full underwriting credit approval before they even start looking for a home. + Reviewed by me and an underwriter and can be completed in as little as four hours + Receive a full commitment letter + Position your client as a cash buyer, giving you great negotiating power

*PowerBid Approval (the “Approval”) is contingent upon receipt of executed sales contract, an acceptable appraisal supporting value, valid hazard insurance policy, and a re-review of your financial condition. Guaranteed Rate Affinity reserves the right to revoke this Approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation and/or if any information contained your application is untrue, incomplete or inaccurate. Receipt of an application does not represent an approval for financing or interest rate guarantee. Not all applicants will be approved for financing. Restrictions may apply, contact Guaranteed Rate Affinity for current rates and for more information.

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Same FastTrack Day Mortgage Approval in as fast as 1 day* Closed in as fast as 10 days** + Step 1: Encourage your eligible buyers

to contact their Guaranteed Rate Affinity Loan Officer to get started.*

+ Step 2: Once your buyers provide us with all the required documents within the specified timeframe, we’ll give them a $250 lender credit for doing it.* + Step 3: Your buyers will be approved in as fast as one day,* putting them on track to close on their home in as fast as 10 days.** *Guaranteed Rate Affinity’s Same-Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Guaranteed Rate Affinity within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Guaranteed Rate Affinity cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Guaranteed Rate Affinity reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Self-employed borrowers are not eligible. Not all borrowers will be approved.

Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Eligible borrowers who successfully provide all required documentation within 24 business hours will receive a $250 Closing Cost Credit applied at closing, no cash value, and may not be combined with any other Lender promotions, discounts, or concessions. Not available in all states. Restrictions apply. Visit grarate.com/same-daymortgage for terms and conditions. **Eligible borrowers must qualify for a "Clear to Close Loan Commitment" ("CTC”). Guaranteed Rate Affinity cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. CTC is subject to certain underwriting conditions, including clear title and no loss of appraisal waiver, amongst others. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Property must be eligible for an Appraisal Waiver and borrower must opt in to AccountChek for automated income and asset verification. Self-employed borrowers and Co-borrowers are not eligible. Not all borrowers will be approved. Restrictions apply.

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Loan Status Monitor

Real-time status updates for the loan milestones you care about. + Know exactly what’s going on with every customer + Full transparency with 24/7 access to all loans in process online and in your inbox + Opt-in to text notifications so you’re always in the loop even when you’re on the go + Our team is always available to talk on the phone Available at agents.grarate.com

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FlashClose

SM

We’ve changed the game: Now closings take minutes, not hours. + Borrowers can review and e-sign most documents prior to the closing appointment + Receive notifications letting you know that things are in order + At the closing, borrowers just need to sign a few remaining documents— saving everybody time + Skip the closing table with a 100% digital closing option*

(Not eligible for all loan types, or investors. Conventional loans only. Eligible for primary, 2nd home and investment properties. Title company restrictions may apply, not eligible for HFA programs.

Knowledge-Base Authentication (KBA) required in order to enter the digital signing session. Applicant subject to credit and underwriting approval. Full eClose is not currently eligible in California, Connecticut, Delaware, Georgia, Maine, Massachusetts, Mississippi, New York, North Carolina, Rhode Island, South Carolina, Vermont, and West Virginia.

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HELPING YOU GROW YOUR BUSINESS

MonitorBase

Technology that knows when past clients are back in the market. + MonitorBase is tech that alerts us when customers have their credit pulled + Other actionable triggers provide insight into clients’ mortgage and real estate related activities + We’ll know when they might be back in the market and it’s a good time to reach out

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MyAccount

A secure document portal that’s friendly and easy to use. + Clients can upload their documents from their computers or phones, and everything is collected in one safe, easy-to-access place + The personalized to-do list guides next steps and necessary loan conditions + Identifying and requesting additional docs from the client is quick and efficient

Available at agents.grarate.com

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Complimentary CRM

Ignite your database with our free customizable CRM. + Stay connected with all of your leads and potential buyers + Upload leads to your database from any source + Deploy an omni-channel marketing approach using personalized email, social media, print collateral, direct mail and web marketing

Available at agents.grarate.com Agents shall be financially responsible for their pro rata share of marketing and event costs.

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Clipboard

SM

Turn any open house into a warm-lead generator. + Seamlessly capture contact info with our lead capture apps + Set up guest check-in on any device — phone, tablet or laptop, and the info automatically syncs to your database + Add buyers to a follow-up email drip campaign to start marketing to them immediately

Available at agents.grarate.com

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ListHome

SM

Make your listings as beautiful online as they are in person. + Customized co-branded sites with full MLS and IDX integration + Modern, professional templates deliver a flawless user experience + Capture visitor information to continuously grow your database of interested buyers

Available at agents.grarate.com

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ClientDrip

SM

“Plug and play” email campaigns that help you stay in front of potential clients. + Keep the conversation going with prospects through customized drip campaigns + Leverage our co-branded email templates to highlight loan-specific or seasonally relevant information

Available at agents.grarate.com

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Postcards

Stay top-of-mind so your past clients always remember to refer you. + Direct mail pieces can help you continuously reach your entire database + Use our customizable designs to send out postcards multiple times a month

Available at agents.grarate.com Agents shall be financially responsible for their pro rata share of marketing and event costs.

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Property Flyers

Turn lookie-loos into bona fide buyers. + Instantly generate co-branded home loan analysis sheets in seconds + The system autopopulates the MLS info, photo, contact info and pricing + Custom layout and color options are available

Available at agents.grarate.com Agents shall be financially responsible for their pro rata share of marketing and event costs.

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123 FIRST STREET CHICAGO, IL 60601

Neighborhood Reports

Show them that you really know the neighborhood. + Our neighborhood reports provide up-to-date information, including school ratings, restaurants, shopping, Walk Score® and more + Attract more potential buyers by providing a quick snapshot of where they are about to live

Available at agents.grarate.com Agents shall be financially responsible for their pro rata share of marketing and event costs.

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Custom Prints

Tailor-made marketing collateral to suit any situation. + We offer a variety of co-branded flyers, postcards, brochures, and guides to get buyers more comfortable with the process

Materials Include: + Product flyers + Buyer education + Helpful hints

Available at agents.grarate.com Agents shall be financially responsible for their pro rata share of marketing and event costs.

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Private Facebook Group

Exclusive “insider” Facebook group for agents. + Active discussions with real estate agents across the country + Live updates on industry news + Invites to exclusive agent webinars, mentorship programs and training opportunities + Visit facebook.com/groups/ agentadvantageinsider

Visit facebook.com/groups/agentadvantageinsider Agents shall be financially responsible for their pro rata share of marketing and event costs.

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Sponsoring Broker Opens

Get more agents to view your listings. + We offer a concierge service that sets your broker opens apart from the competition + Our team can arrange delivery and set up, with great lunch options from preferred caterers + My team will be there to answer any mortgage questions that come up

Agents shall be financially responsible for their pro rata share of marketing and event costs.

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Having Fun

YOU’RE INVITED TO CELEBRATE

Pel ase join us for

OKTOBERFEST DATE AND TIME

Join VP NAME of Guaranteed Rate Affinity to celebrate Cinco de Mayo and a great rest of 2019! Enjoy food, refreshments and good conversation. Hope to see you there!

Saturday, September 9

We know how to throw a party.

from 5:30 pm — 10 pm

LOCATION 3940 N Ravenswood Chicago, IL 60613 Lorem ipsum dolor sit amet, consectetur adipiscing elit. Nunc felis felis, consequat sed ex ut, interdum

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COLDWELLBANKEROFFICE

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EVENTBRITE.COM/RSVP I’m

looking

forward

to

talking

business

and

showing

you

our

latest,

greatest

marketing

MONDAY, MAY 6TH, 2019

material!

NOON - 2:00PM John Smith

Let’s get started!

Senior VP of Mortgage Lending

O: (999) 999-9999

3940 N Ravenswood | Chicago, IL 60613

Rate.com/johnsmith | john.smith@rate.com

123 2ND AVENUE | CHICAGO, IL 60613

C: (999) 999-9999

NMLS ID:856043, LO#: AZ - 0919996 - 0907078 NMLS ID #2611, (Nationwide Mortgage Licensing System www.nmlsconsumeraccess.org)

I’m looking forward to talking business and showing you our latest, greatest marketing material!

+ Our events team can help set up cohosted happy hours, customer appreciation parties, agent networking events and more + We can come up with the ideas and handle all the details—all you have to do is show up + If you cannot gather in person our team also has many virtual event ideas, amazing online entertainers, and ways to ensure your guests still have a great time

Agents shall be financially responsible for their pro rata share of marketing and event costs.

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NMLS ID: 1598647 We’re looking forward to talking business and showing you our latest, greatest marketing material!

Let’s Partner Together

We’re here to help you grow your business. + Lead generation: Our lead capture apps and co-branded sites make lead generation a breeze + Loan Status Monitor: Real-time status updates on the loan milestones you care about + Co-branded marketing: Marketing materials to help you stand out amongst the crowd + Coaching videos: Top agents from across the nation share their secrets to success

Sign up at agents.grarate.com

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FOR BROKER-DEALER OR AGENT USE ONLY — Not for public dissemination. May not be distributed, reprinted or shown to the public in oral, written or electronic form as sales material.

All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. Guaranteed Rate Affinity does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error-free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate Affinity. Guaranteed Rate Affinity its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action.

Guaranteed Rate Affinity, LLC; NMLS #1598647; For licensing information visit nmlsconsumeraccess.org. Equal Housing Lender. Conditions may apply • AR: 1800 W Larch- mont Ave, Chicago, IL 60613, (773)-516-6900 • AZ: 7221 E Princess Blvd, Ste 117, Scottsdale, AZ 85255, Mortgage Banker License #0941440 • CA: Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act • CO: Regulated by the Division of Real Estate, (773)-516-6900 • MA: Mortgage Lender & Mortgage Broker License # MC1598647 • ME: Supervised Lender License #1598647 • MS: 1800 W Larchmont Ave, Chicago, IL 60613 • NH: Licensed by the New Hampshire Banking Department, Lic #21635-MB • NJ: 1800 W Larchmont Ave, Chicago, IL 60613, (773)-516-6900, Licensed by the N.J. Department of Banking and Insurance • NY: Licensed Mortgage Banker - NYS Department of Financial Services • OH: MB 804260, 1800 W Larchmont Ave, Chicago, IL 60613 • OR: 1800 W Larchmont Ave, Chicago, IL 60613 • RI: Rhode Island Licensed Lender • TX: 1800 W Larchmont Ave, Chicago, IL 60613, (773)-516-6900 • WA: Consumer Loan Company License CL- 1598647. (20230502-1919451)