The Winning Formula

MAKE BIG MOVES

We have a plan to double your business in one year.

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Grow your business Make more money Have a better quality of life

THE CEO MINDSET

Our platform enables you to spend 80% of your time being a rainmaker, so you can do what you do best … SELL.

AI TECH PLATFORM

The key is to get out of the weeds and focus on $500-an-hour activities that grow your business.

PRODUCTS AND PRICING

MARKETING PLAN

THE WINNING FORMULA

REFERRAL PARTNER GROWTH PLAN

PRODUCTS AND PRICING

We do whatever it takes to provide the best products with competitive rates.

With 10,000 ways to say yes, exclusive proprietary products and unique securitization capabilities, we are in a league of our own.

KATE AMOR Head of Enterprise Products

THE WINNING FORMULA

PRODUCTS & PRICING

NICHE PRODUCTS

We are a one-stop shop with unique product offerings that will enable you to close more loans than your competitors.

Reverse Mortgages1 Dedicated Reverse Team & Referral Program offering HECM, Purchase HECM, Jumbo up to $4M and Standalone Second

Builder, New Construction Extended rate lock programs - 1 year w/floatdown option.

Lock ‘n’ Sell5 and Forward Commitments. Dream Bigger,6 non-warrantable condo preflight

Buydowns2 Listing Agent options, Permanent and Temporary buydown programs for Fannie, Freddie, FHA, VA, USDA, Jumbo and non-QM. 3-2-1, 2-1-0, 1-1-1, 1-0-0, 1.5/.5-0

Personal Loans7 Earn commissions on loans that take clients 10 minutes.

Funds deposited in 1–2 business days. 1–5-year terms

HELOCs3 / Seconds Digital HELOC, no appraisal, fixed rate, funds in 54 days, 620 FICO, 85% LTV. 10/20 HELOCs, Closed End Seconds25 and Non-QM seconds options

THE WINNING FORMULA

PRODUCTS & PRICING

Bridge Financing8 $500k bridge financing, 0% interest, 6-month balloon payment up to 30% of down payment options. 5+ additional $300k–$1M, jumbo to conforming, and IO options

OUR AI TECH PLATFORM

VP of Mortgage Lending Delegates and Audits Using GR Technology

Be a rainmaker.

Focus on $500/hour activities Most loan officers spend 80% of their time in the loan file. At Guaranteed Rate, we flip the hourglass so that you spend your time doing what you do best: building your business.

STA N DA R D LOA N S

18 days RESPA to CTC

We put the LO in control of two Proactive POD Processing Teams that support you: Standard Loans Two processors keep files flying

S A M E DAY M O RTGAG E

Same Day Mortgage9 Lightning-fast path to CTC in as little as 8 hours 8 days RESPA to CTC

THE WINNING FORMULA

AI TECH PLATFORM

AI-POWERED UNDERWRITING

We’ve changed the game to make your life easier.

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Our AI Technology reads and extracts information from borrower documentation

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Using borrower docs, the tech digitally verifies and extracts data, and calculates income so you don’t have to

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Automatically identifies required loan conditions, analyzes data and clears conditions, delivering real-time approvals

THE WINNING FORMULA

AI TECH PLATFORM

RATE APP

Our game-changing Rate App makes your life easier.

Our Rate App speeds up the entire process •

Approvals 26% faster through the Rate App

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Clear to Close 11% faster through the Rate App

Empower your agents and customers View loan details, e-sign documents, check tasks, upload documents and link accounts, pay fees, access closing package and obtain appraisal

Sample rate provided for illustration purposes only and is 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. Guaranteed Rate cannot predict where rates will be in the future

THE WINNING FORMULA

AI TECH PLATFORM

POWER VP

Ditch the laptop and run your business from anywhere, any time.

Our native mobile app gets out of Encompass and keeps you rainmaking: Run Pricing Run rates, create multiple scenarios, edit fees and lock loans Issue Pre-Approvals Edit pre-approval terms, run automated underwriting and customize with conditions Check Status Find loan status Pull Credit From three bureaus Live Agent Status Updates Easy access to everyone’s contact information THE WINNING FORMULA

AI TECH PLATFORM

Sample rate provided for illustration purposes only and is 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. <COMPANY NAME> cannot predict where rates will be in the future

POWERVP

You have the freedom to manage your pipeline from anywhere.

Listen to what Jennifer Beeston, #1 VA Loan Originator in the country has to say about PowerVP.

Guaranteed Rate Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture, or any other government agency. No compensation can be received for advising or assisting another person with a matter relating to veterans’ benefits except as authorized under Title 38 of the United States Code.

THE WINNING FORMULA

AI TECH PLATFORM

JENNIFER BEESTON VP of Mortgage Lending

MAXIMIZE YOUR DATABASE

Ensure your customers and referral partners think of you first.

Our integrated Customer Relationship Management platform makes it easy: •

Integrations across entire mortgage platform

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Instant marketing begins after automatic loading of new contacts

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Immediate alerts for MLS, equity, rate and customer life events

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Access to thousands of emails, video, social and direct mail templates

THE WINNING FORMULA

MARKETING PLAN

REAL-TIME CUSTOMER ENGAGEMENT DASHBOARD

#1 Most Trusted Lender in the country by Real Estate Agents

91% 47%

Closest Competitor

TRUSTED LENDER

91% of respondents ranked GR as trustworthy.

Our closest competitor was just 47%.* Guaranteed Rate is a trusted company with a strong national brand, so you’ll be able to add more referral partners and grow your business.

*According to 2024 Cint Agent Survey

THE WINNING FORMULA

REFERRAL PARTNER GROWTH PLAN

ADD MORE REFERRAL PARTNERS

Meet new referral partners without making the cold calls yourself.

Our Biz Dev Team calls agents, builders, attorneys, financial planners and CPAs to set up 1:1 meetings for you We’ll collaborate on your customized plan and get 8 – 12 meetings with new referral partners each month Leverage our follow-up strategies that are proven to successfully convert new relationships into long-term business partners

$500 per month THE WINNING FORMULA

REFERRAL PARTNER GROWTH PLAN

Breadth of Products

OFFER THE BEST VALUE PROPOSITION

Agents trust us because we help them look good and grow their business.

We provide immense value by saving them time and supporting the growth of their business.

GR Closing Gifts

Lock ‘N’ List

Co-Branded Events

Forward Commitments

Open House & Broker Open Support

Just Listed/Just Sold Postcards

Rate App

Guaranteed Rate Differentiators

PowerBid Approval

Language Access Program

Loan Status Texting

Single Property Websites

THE WINNING FORMULA

REFERRAL PARTNER GROWTH PLAN

Same Day Mortgage

Free CRM for Agents

Lead Capture Apps

EXPAND YOUR CUSTOMER BASE

Grow your business by serving the Spanishspeaking community.

Co-market, solicit and advertise in Spanish in all 50 states without restrictions. Even if you don’t speak Spanish!

10k+ have used the Spanish Digital Mortgage experience

Guaranteed Rate offers the only 100% end-to-end Spanish language mortgage process.

Digital Mortgage en español National certified bilingual processing team Loan disclosures in Spanish Comprehensive financial education in Spanish Underwriters who understand our Latino buyer

“We want LOs to grow and we want the best for our Hispanic community: the best experience, the best technology and the best service.” “ – Camilo Escalante, Executive Director Diverse Segments

THE WINNING FORMULA

REFERRAL PARTNER GROWTH PLAN

Financial products for the needs of Latino members Marketing materials to market, solicit & advertise in Spanish

SMOOTH TRANSITION

We roll out the red carpet for new VPs. A dedicated Transition Team keeps your loans moving, while you learn the GR system: Consultant Vice President (CVP) Expert Loan Officers in all markets are 100% dedicated to supporting you Experienced processors Focus on helping you and your team Onboarding Concierge Your point of contact from day one Licensing Team Support Facilitates your license transition

“The very first deal I brought to GR, on my first day, resulted in my CVP negotiating the rate with my client, showing me how to navigate it through Encompass and having it approved for SDM.” – Sean Kosmann, Producing Area Sales Manager

THE WINNING FORMULA

TRANSITION

2X GROWTH PLAN

We have a plan to double your business in one year.

We start by making a big splash about YOU in the first 60 days and help you immediately market to your database.

First 60 Days We tell everyone that you are here, repeatedly marketing to your entire database across all channels, both on and offline Ongoing Marketing Support Our proven marketing strategy, unique business development plan and ongoing training opportunities will help you accelerate your momentum and reach your full volume potential Ongoing Coaching Sharing Success Calls, Pulse Calls, Secondary Coaching Calls

THE WINNING FORMULA

TRANSITION

We can help grow your business in the first year

Proven Success • More Scotsman Top Originators than any other company for 12 years and counting

Current Volume

$20,000,000

Year One

$30,000,000

• More Scotsman Top Women Originators in 2023

Year Two

$40,000,000

• #1 most trusted lender by real estate agents1

Year Three

$50,000,000

• Our top 12 loan originators produced $100M+ in 20232 • #1 Female VA Originator in the country3

1-Source: 2024 Cint Survey 2-Source: Guaranteed Rate Internal Productions Report 3-Source: 2024 Scotsman Top Originator List Guaranteed Rate is an Equal Opportunity Employer

CORE VALUES

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We grow for good

Together, we will accomplish amazing things.

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We put our members first

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We work with the best of the best

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We think big

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We have grit

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We have an owner’s mentality

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We embrace change

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We demand excellence

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We hold ourselves and others accountable

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We give a sh!t

THE WINNING FORMULA

OUR VIBE

1– This is not a commitment to lend. The borrower must meet all loan obligations, including living in the property as the principal residence and paying property charges, including property taxes, fees, and hazard insurance. The borrower must maintain the home. If the borrower does not meet these loan obligations, then the loan will need to be repaid. Otherwise, the loan must be repaid when the last borrower passes away or sells the home. Prices, guidelines and minimum requirements are subject to change without notice. Some products may not be available in all states. Subject to review of credit and/or collateral; not all applicants will qualify for financing. It is important to make an informed decision when selecting and using a loan product; make sure to compare loan types when making a financing decision. This material has not been reviewed, approved or issued by HUD, FHA or any government agency. Guaranteed Rate is not affiliated with or acting on behalf of or at the direction of HUD, FHA or any other government agency. To find a Reverse Mortgage counselor near you, search the HECM Counselor Roster at https://entp.hud.gov/idapp/html/hecm_agency_look.cfm or call (800) 569-4287 2 – Both temporary and permanent RateReduce options are available from participating builders and sellers on select properties. The 1.5/.5 temporary buydown option is not available for VA loans.

Sample rates are national averages provided for illustrative purposes only and are not advertised rates. The 1.5/.5 temporary buydown option is not available for VA loans. Contact Guaranteed Rate for more information and up to date rates.

3– Guaranteed Rate's HELOC is a fixed-rate open-end product using your home as collateral. Not available in all states. Go to Guaranteed Rate.com/HELOC for information including important property and borrower requirements and restrictions which impact rate and max available loan amount. Subject to approval.

4 - 10- Applications may be completed in five minutes but may fluctuate. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. In addition, funding timelines may be longer if we cannot readily verify that your property is in at least average condition with no adverse external factors with a property condition report and may need to order a desktop appraisal to confirm the value of your property 5 – The Lock N' Sell builder paid price adjustment varies by lock period, up to 120 days, with a minimum cost of .25% and a maximum cost of .50%. Eligible for 30 year, fixed rate loan options. Borrower must be under contract and have submitted their application to Guaranteed Rate no later than 15 days prior to lock expiration date. If the loan does not close during the initial lock period, or if the lock period expires, the borrower may incur additional fees. Restrictions apply.

6– New build/new construction only. Third-party contractor is paid 50% of material costs at close and three disbursements after closing. Everything held in escrow for third-party contractor. Project must be completed within 90 days of close, subject to exception depending on scope of project.

7 – Representative example of repayment terms for an unsecured personal loan: For $20,000 borrowed over 36 months at 10.74% (including 0.25% autopay discount), the monthly payment is $654.68 with a total loan cost of $23,568.47. This example is an estimate only and assumes all payments are made on time. Savings are not guaranteed and depend on various factors including, but not limited to, interest rate and term length. Loan proceeds cannot be used for post-secondary education expenses or to purchase cryptocurrency or securities.

Terms and Conditions: You must be 18 years of age or older (19 years of age or older in Alabama). To qualify, a borrower must be a US citizen, a permanent resident, or a non-permanent resident in the US on a valid, long-term visa. All loan applications are subject to credit review and approval as well as income and employment verification. You must meet our minimum requirements established for this offer including, but not limited to, credit history, debt-to-income ratio, and application information. Your actual rate depends on your requested loan amount, loan term, creditworthiness, and a variety of other factors. Repayment options range from 1 - 5 years. Loan amounts range from $4,000 - $50,000. Standard fixed rates from 10.99% to 21.99% APR. With a 0.25% autopay discount established at loan origination with an automated monthly debit from a qualifying deposit account for repayment, fixed rates range from 10.74% to 21.74% APR. Rates and loan amounts may differ due to state-specific requirements and may impact your ability to qualify for a loan. Limitations: FL, ME, NC, TX, VT, PA, CT, LA, KS, SC, WY, RI, MA, MN, CO, AR and IA (rate); IL, MA, CA, RI, NM and SC (amount); OH (duration). The lowest rate advertised is reserved for the most creditworthy borrowers. Advertised rates and terms are current as of 10/26/2024 and are subject to change without notice.

Personal loans are only available in AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IL, IN, IA, KS, LA, ME, MA, MI, MD, MN, MO, ND, NC, NH, NJ, NM, OH, OK, PA, RI, SC, TN, TX, UT, VT, WA, and WY as of 10/26/2024. Loan applications outside of these states will not be accepted at this time.

8 – The Guaranteed Rate Bridge HELOC (home equity line of credit) is an open-end product which allows borrowers to access the equity in their home in order to fund a down payment on a new primary residence as a first or second lien on the subject property. Additional lien requirements apply. Ability to draw funds on the line will be suspended prior to the purchase of the new primary residence. The rate is adjustable and is based on an Index, which is the Prime Rate published in the Wall Street Journal plus a fixed margin. The interest rate will not drop below 4% or exceed the lower of either 18% or specific state usury limitations. This product is currently only offered in the states of California, Massachusetts, Colorado, Illinois, Michigan, Minnesota, Missouri, Oregon, Washington, and Wisconsin. The Bridge HELOC requires you to pledge your home as collateral, and you could lose your home if you fail to repay. Borrowers must meet minimum lender requirements in order to be eligible for financing. Primary residence only. Investment properties are not eligible. Property type restrictions apply. Dependent on minimum credit score and debt-to-income requirements. Appraised home value determines your max available loan amount.

Total Bridge HELOC loan amount will not exceed $300,000. $595 fee will be charged at the time of loan application submission.

Eligible for U.S. citizens or permanent resident aliens only. Not all applicants will be approved. Only one Third Federal line of credit is permitted per borrower. Applicants subject to credit and underwriting approval. Contact Guaranteed Rate Inc. for more information and to discuss your individual circumstances. Restrictions Apply.

9 - Guaranteed Rate’s Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Guaranteed Rate Inc. 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 Inc. cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Guaranteed Rate Inc. 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. Not available in all states.

Restrictions apply. Visit Guaranteed Rate Inc. com/same-day-mortgage for terms and conditions.

Guaranteed Rate Inc. is an equal opportunity employer.

Guaranteed Rate, Inc.; NMLS #2611; 3940 N Ravenswood, Chicago, IL 60613; 866-934-7283. For licensing information visit nmlsconsumeraccess.org. Equal Housing Lender. Conditions may apply. • AZ: 14811 N. Kierland Blvd., Ste. 100, Scottsdale, AZ, 85254, Mortgage Banker License #0907078 • 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 • GA: Residential Mortgage Licensee #20973 • MA: Mortgage Lender & Mortgage Broker License #MC2611 • ME: Supervised Lender License #SLM11302 • NH: Licensed by the New Hampshire Banking Department, Lic #13931-MB • NJ: Licensed by the N.J. Department of Banking and Insurance • NY: Licensed Mortgage Banker - NYS Department of Financial Services, 750 Lexington Ave. Suite 2010, New York, New York 10022 • OH: MB 804160 • OR: Licensed and Regulated by the Department of Consumer and Business Services • PA: Licensed by the Pennsylvania Department of Banking and Securities • RI: Rhode Island Licensed Lender • WA: Consumer Loan Company License CL-2611.

NOW IS THE TIME

LET’S GET STARTED