Consumer Direct Happy Book

Guaranteed Rate’s Consumer Direct Platform

A Powerful Brand

Guaranteed Rate is a strong national brand with great momentum. + Over 9,000 employees + 3rd largest retail mortgage lender in the country

+ Over 750 branches across the country* and licensed in all 50 states

+ Our own title company, Ravenswood Title

+ Our own insurance company, Guaranteed Rate Insurance

+ Official naming rights of the Chicago White Sox stadium, Guaranteed Rate Field

+ Major sports sponsorship deals that earn hundreds of millions of impressions

+ Official naming rights of one of the NCAA

College Bowls: The Guaranteed Rate Bowl

*According to ScotsmanGuide Top Mortgage Lenders 2019 Top Retail Volume List.

Product Name Consumer Direct

Aenean eu Benefits of leo our quam.

Pellentesque ornare Consumer Direct sem lacinia quam Platform

+

No agg leads! All Consumer Direct leads are exclusive to Guaranteed Rate

Etiam malesuada ++ Enjoy the porta flexibilitysem of working remotely magna mollis euismod.

Cras + Direct access to warmmattis leads consectetur purus sit amet fermentum.

SUPERIOR LEAD SOURCES • Etiam porta sem malesuada magna mollis Corporate Partners euismod. Cras mattis consectetur purus sit fermentum. + Fortuneamet 500 companies’ benefits program preferred vendor lists. Employees get loans without fees ($1,290 benefit)

+ Etiam porta sem malesuada magna mollis.

Organically-Generated

++ Pre-qualified, high-quality leads Etiam porta sem malesuada magna mollis euismod. mattis consectetur purus sit amet + Wide variety ofCras lead sources: fermentum.

- GR Research

- Search Engine Optimization/Search Engine Marketing

• - GRate Etiam porta sem malesuada magna mollis Life lifestyle blogs euismod.

- Paid social

++ Our CRM lets youconsectetur nurture leads, keeping top of mind Cras mattis purus you sit amet fermentum.

Nationally Recognized (never satisfied)

Growth from Teamwork NerdWallet Best Mortgage Lender Awards:

$80B

+

Best Online Mortgage Lender

$70B

+

Best Mortgage Lender for VA Loans

$60B

+

Best Conventional Mortgage Lender

$50B $40B

$30B

U.S. News &World Report Best Rankings:

+

Best Home Improvement Loans

+

Best Online Mortgage Experience

$20B $10B

2000

2003

2006

2009

2012

2015

2018

NerdWallet awards from 2019 and 2021. USNews award from 2018.

Funded Loan Volume 2000-2020* *Funded volume for Guaranteed RateCompanies

2020

A Revolutionary Platform

We changed the game in order to transform your business.

85

VS

GUARANTEED RATE

EVERYONE ELSE

Data pulled from Guaranteed Rate’s Customer Satisfaction Surveys (2012-YTD 2021) and retently.com/blog/good-net-promoter-score.

3

13

OF THE TOP

OF THE TOP

ORIGINATORS

ORIGINATORS

ORIGINATORS

100

17

OF THE TOP

200

WOMEN ORIGINATORS

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

96% Customer Satisfaction: Data Source: Guaranteed Rate’s Client Satisfaction Surveys (Averaged from January 2020 – December 2020)

24

OF THE TOP

10

96%

34

A Net Promoter Score that is over 2x the industry average

200

56

OF THE TOP

500

ORIGINATORS

Based on ScotsmanGuide’s 2021 Top Loan Originator’s List

- IN 2020 -

331 originators > $50 million $ 146 originators > 100 million 4 originators > $500 million Source: Guaranteed RateCompanies internalproductionreports.

Product Founder Name

Aenean eu leo quam.

Guaranteed Rate was Pellentesque ornare founded in 2000 by sem lacinia quam President and CEO, Victor Ciardelli, who + Etiam porta sem malesuada magna mollis continues to run the euismod. Cras mattis consectetur purus sit amet fermentum. business today. +

•

Etiam porta sem malesuada magna mollis euismod.

Cras mattis consectetur purus Victor and his executive team started assit amet fermentum. mortgage specialists and truly understand a

loan officers’ needs.

They magna care deeply + Etiam porta sem malesuada mollis.about

+

your success and helping you grow your

Etiam porta sem malesuada magna mollis business Cras and mattis accomplish all of your euismod. consectetur purusgoals. sit amet fermentum.

• +

Etiam porta sem malesuada magna mollis euismod.

Cras mattis consectetur purus sit amet fermentum.

Product Name Corporate Benefits Program

The country’s Aenean eu leolargest quam. employers work with Pellentesque ornare our Benefits semCorporate lacinia quam program —in return + Etiam porta sem malesuada magna mollis they receive reduced euismod. Cras mattis consectetur purus sit amet fermentum. rates and no lender fees. +

•

Etiam porta sem malesuada magna mollis euismod.

Cras mattis consectetur purus sit Currently have over 2,500 corporate amet fermentum. benefits partners, serving more than

25M employees/members + Etiam porta sem malesuada magna mollis.

signed up every day by our + New Etiampartners porta sem malesuada magna mollis

euismod.

Cras mattis consectetur purus sit amet New Business Development team fermentum.

+ Dedicated Corporate Benefits team for • Etiam porta sem malesuada mollis seamless implementation andmagna execution euismod.

+ Rotating offers: up to $1,500 real benefit + Cras mattis consectetur purus sit amet fermentum.

Victor Ciardelli

Patrick Ruffner

Charles Battle

Shawn Carpenter

Michael Honan

President & CEO

Executive Vice President of Consumer Direct

Chief Product Officer, Direct

Chief Marketing Officer

Executive Vice President of Operations, Consumer Direct

Consumer Direct Leadership Team

Corporate Benefits Partners

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Google logo is a trademark of Google Inc.

GRaffordable

The best mortgage calculator on the planet. + Accessible online 24/7 with no personal information or login required

+ Available for Conventional, Jumbo, FHA and VA

+ Customers can easily determine how much they can comfortably afford based on real loan programs and real-time rates

+ Custom sorting options allow customers to see what’s most important to them:

• Lowest monthly payment • Shortest term • Lowest rate + Smoothly transitions into a loan application with the click of a button

Get an official Loan Estimate before choosing a loan. Your actual rate, payment and costs could be higher.

Digital Mortgage

Customers can easily complete the entire process in less than 15 minutes. + Recommended loan options with realtime rates

+ Advanced asset verification automates bank statement gathering

+ LoanBeam simplifies tax-return income

analyses, making them faster and more accurate

+ Personalized document to-do lists guide customers through the process

Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing.

NerdWallet award from 2019

BestOnline Mortgage Lender

What is the Proactive POD?

A best-practice platform built to provide you and your customers the easiest and most efficient way to close loans—utilizing state-of-the-art technology, a smart workflow process and best-of-the-best employees who are compensated for both speed and quality.

Managed correctly by you, the Mortgage Specialist, our model allows you to spend more time serving customers and less time processing loans, enabling exponential growth for your business.

Proactive POD

Proactive POD Managed correctly, our model will enable you to close anywhere from $10 million to over $500 million a year and have an amazing quality of life.

Proactive POD A BETTER PROCESS +

We were the 1st to revolutionize the touchless mortgage process and online application

+

Applicant can finish application in 8 minutes

+

Full loan origination process takes 24 hours

LOAN PROCESSING & OPS +

Consistent processing support team personnel stays the same with each loan originated, making your operations streamlined and efficient

+

You will build a relationship with the loan processors because they are the same each time

+

Each person in the POD system has $$ incentive to process loans quickly

+

Changes can be made on the fly because there are less steps to get things approved.

+

POD managers have more control and direct communication to the top

LOAN HAND-OFF +

Once loan application is qualified and handed off to the POD, loan officer has less of a hands-on approach because of the smooth POD system

Proactive POD

YBR

Your loan command center.

Elevates the mortgage specialist experience

+

Real-time, automated pipeline management tool enables efficiency and facilitates POD communication

+

Loan profile view shows you key loan details, color-coded status boxes and actionable contact information

+

Curated, role-specific work queues and dashboards organize workload and prioritize files that require immediate action based on proven prioritization logic

+

Task lists, including underwriting conditions, allow for full transparency of tasks completed—no more printing stacks of checklists

+

Performance monitoring metrics based on time-to-task give you the ability to assess your team’s efficiency and drive down closing times

Proactive POD

Dedicated Team The POD is your dedicated team.

Elevates the mortgage specialist experience

Mortgage Specialist Spend 80% of your time on rainmaking activities and 20% leading the team

Sales Assistant Your dedicated point person between you and the borrower, so you can focus your time on selling

Processing Team

Underwriting and Closing

Specialized processing roles (Mortgage Consultant & Loan Coordinator) allow individuals to master their jobs. All compensation is based on both speed and quality

Regional experts support you based on your geography, providing you a concierge-level of service

Proactive POD

Production Manager

Elevates the mortgage specialist experience

Roles and Responsibilities

Key Tools and Processes

+

Manages the Mortgage Specialist’s pipeline to make sure every loan is hitting all milestones

+

+

Ensures transparency and proactive communication across all POD members, and between POD and customers

•

Loans outside of time-to-task are highlighted to pro-actively identify issues

+

Coaches team to leverage tech and tools and improve performance

•

Features integrated chat and dynamic, collaborative checklists

YBR: Your team can view, search, sort and filter loan details with our proprietary pipeline management tool

Proactive POD

Mortgage Consultant

Elevates the mortgage specialist experience

Roles and Responsibilities

Key Tools and Processes

+

Requests condo project docs

+

+

Places 3rd-party orders

Appraisal Fee tool and the Property Inspection Waiver

+

Requests and reviews supporting docs

+

CondoPak eliminates chasing condo docs

+

Prepares file and submits to UW

+

Docusign and Smart Fees tool

+

One-Click automatically imports fees by clicking a button in Encompass

Proactive POD

Elevates the mortgage specialist experience

Underwriting

Roles and Responsibilities

Key Tools and Processes

+

Underwriting consists of three specialty groups: Conventional, Government and Jumbo

+

+

Dedicated teams increase quality and efficiency and provide unparalleled customer service and product knowledge

The Credit Concierge Department offers dedicated support for VPs on scenario questions, guideline clarification and upfront exceptions

+

24-hour turn times

+

The Training Department provides underwriters ongoing development

Proactive POD

Loan Coordinator

Elevates the mortgage specialist experience

Roles and Responsibilities

Key Tools and Processes

+

Requests and reviews conditions

+

+

Clears conditions

+

Condo / Co-op Database allows faster determination for approvals and document collection

Verifies cash to close figures and source of funds

+

+

Prepares Closing Disclosure

+

Submits clear file to the Closing Department

CD Xchange is our collaborative solution for closing agents to work with the LC to create and finalize an accurate Closing Disclosure

Our Vibe

Our Vibe We are a company with a soul, a team of individuals connected by a camaraderie unique in the business.

Mission Statement

Our mission is to be the #1 retail mortgage lender in the country, with the commitment that the more we grow, the more good we will do for our GR family, our customers, and the communities we serve. We grow for good. To get there, we will embrace a positive mindset and authentically live our core values. We will revolutionize the home loan process by offering a digital experience so advanced that we can consistently close loans within 3 days. We will provide world-class customer service, achieving a goal of 100% of our customers being willing to refer us to family and friends. We will grow, develop, and hire the best of the best in order to be acknowledged as the most trusted experts in the mortgage business.

Core Values Headline Here Aenean eu leo quam. Pellentesque ornare sem lacinia quam venenatis vestibulum. Integer posuere erat a ante venenatis dapibus posuere velit aliquet. Fusce dapibus, tellus ac cursus commodo, tortor mauris co ndimentum nibh, ut fermentum massa justo sit amet risus. Vivamus sagittis lacus vel augue laoreet rutrum faucibus dolor auct or. Donec sed odio dui.

We live our values every day, professionally and personally. + We grow for good.

+ We put the customer first. + We work with the best of the best. + We think big. + We have grit. + We have an owner’s mentality. + We take decisive action. + We demand excellence. + We hold ourselves and others accountable. + We give a sh!t.

Incentive Trips Headline Here

Our top Mortgage Specialists celebrate at five-star resorts around the world. + President’s Club: • 2020: Riviera Maya, Mexico • 2019: Nassau, Bahamas • 2018: Nassau, Bahamas • 2017: Cancun, Mexico • 2016: Playa del Carmen, Mexico + Chairman’s Circle: • 2019: Croatia • 2018: Saint-Barthélemy Island • 2017: Mykonos, Greece • 2016: British Virgin Islands & US Virgin Islands

Diversity & Inclusion

We’re a little different.

We’re committed to representing the communities in which we live and work as well as have a goal of being the go-to lender for all communities. Here are just a few ways we are working towards this goal: +

Fostering inclusion company-wide through the implementation of employee-resource groups:

+

LEAD (Leadership, Equality and Development)

+

GROW (Guaranteed Rate Organization of Women)

+

PROUD (Our LGBTQIA+ leadership team)

+

Investing in executive leadership with the hiring of a National Diverse Segments Director

+

Supporting Hispanic loan officers and their customers with bilingual operations staff who assist with the mortgage process from application to closing

+

Expanding our Spanish-language marketing library, giving Hispanic loan officers more opportunities to market to referral partners and customers

+

Partnering with nonprofits and trade organizations, such as NAHREP and NAMMBA, to better service communities of color and be more involved at a local level

+

Providing entry-level experience and career training through our one-of-a-kind excelRate and GR University programs

Giving Back Headline Here Aenean eu leo quam. Pellentesque ornare sem lacinia quam venenatis vestibulum. Integer posuere erat a ante venenatis dapibus posuere velit aliquet. Fusce dapibus, tellus ac cursus commodo, tortor mauris co ndimentum nibh, ut fermentum massa justo sit amet risus. Vivamus sagittis lacus vel augue laoreet rutrum faucibus dolor auct or. Donec sed odio dui.

We rally together in all our communities across the country. + Give Back Challenge

+ Annual Food Drive: More than one million meals donated

+ Collecting and donating food and clothing in the aftermath of disasters

+ Volunteer days to clean up parks, beaches and rivers.

+ Serving on boards and commissions of local agencies and nonprofits

GR Foundation Headline Here

Making a direct impact in people’s lives, when they need it most. + Since 2012, over $4 million has helped more than 1,200 individuals across the country

+ We granted $1,000,000 in aid in 2020 + The average recipient receives $17,763

in forms of grants for rent, car payments, groceries or additional assistance

+ 100% of Foundation costs are covered by

Guaranteed Rate, so every penny donated helps those who need it most

The Guaranteed Rate Foundation is a non-profit charitable organization pursuant to Section 501(c)(3) of the United States Internal Revenue Code. Our Federal Tax ID # is 45- 4204135. Your donation to the Guaranteed Rate Foundation may qualify for an income tax deduction in accordance with Federal and/or State income tax laws.

Pleaseconsult with your tax advisor to determine whether your donation is tax deductible in whole or in part.

Nothing in this communication is intended to constitutelegal or tax advice. No goods or services were forwarded or offered in exchange for this contribution. 1800 W Larchmont Ave, STE2, Chicago, IL60613.

GR Vibe

We’re a little different.

We believe that both the way we approach the work and the way we work together are what have led to the phenomenal growth of our business. + #GRVibe + Milestone celebrations + National Operations Day + Free turkeys for Thanksgiving + Daily Positivity emails

Seamless Transition

We make sure you have a soft landing so that you can hit the ground running. + Customized business transition plan • Startup marketing kit • Training on technology and tools + Your loans keep moving • Pipeline meetings begin right away • A Consulting VP handles licensing activities + Dynamic Marketing • We create your new marketing collateral • Your Account Manager helps manage your database • The Social Media team begins posting for you • Red Arrow Connect provides automated marketing campaigns, organic and paid social as well as dialer strategies

• Our USO partnership gives you better visibility with our Veteran and military homebuyers

• Additional marketing collateral such as: monthly postcards, personal website, weekly eNewsletter, brochures, weekly market updates, bio sheets and so much more.

The Guaranteed Rate Difference

+ +

No agg leads!

Sell with confidence - we provide our corporate benefits partners the same benefits as Guaranteed Rate employees, so you know your borrower is getting the best deal possible

+

Warm transfers from our 5-star team ensure higher-converting leads with more opportunities to close

+

Close more loans - make more money

+

Better quality of life

Cutting-Edge Tech Digital Mortgage

+

Customers complete the entire process in less than 15 minutes

GRaffordable

+

Customers see what they can comfortably afford based on real loan programs and real-time rates

Red Arrow Connect

+

A free, customizable CRM with instant personalized marketing collateral for an omnichannel marketing approach

GR Research

+

Nurture past customers and prospects with a research tool that provides access to unique neighborhood insights and useful ZIP code data

MonitorBase

+

Receive alerts when past clients are back in the market

Velocify

+

Automated lead nurturing emails produce warm, high-quality and high-converting leads (no agg leads)

Activate

+

Know when a customer is in-market for a mortgage, 100 days in advance of a mortgage credit pull, using behavioral and intent data.

Remarketing

+

Digital campaigns designed to keep us to-of-mind with prospects who recently visited our website

Guaranteed Rate, Inc. is an Equal Opportunity Employer that welcomes and encourages all applicants to apply regardless of age, race, sex, religion, color, national origin, disability, veteran status, sexual orientation, gender identity and/or expression, marital or parental status, ancestry, citizenship status, pregnancy or other reason prohibited by law.

Guaranteed Rate, Inc.; NMLS #2611; For licensing information visit nmlsconsumeraccess.org. Equal Housing Lender. Conditions may apply • AR: 3940 N Ravenswood, Chicago, IL 60613, (866)-934-7283 • 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, (866)-934-7283 • GA: Residential Mortgage Licensee #20973 • MA: Mortgage Lender & Mortgage Broker License #MC2611 • ME: Supervised Lender License #SLM11302 • MS: 3940 N. Ravenswood Ave., Chicago, IL 60613 • NH: Licensed by the New Hampshire Banking Department, Lic #13931-MB • NJ: 3940 N Ravenswood, Chicago, IL 60613, (866)-934-7283, Licensed by the N.J. Department of Banking and Insurance • NY: Licensed Mortgage Banker - NYS Department of Financial Services • OH: MB 804160, 3940 N. Ravenswood Ave., Chicago, IL 60613 • OR: 3940 N. Ravenswood Ave., Chicago, IL 60613 • RI: Rhode Island Licensed Lender • TX: 3940 N Ravenswood, Chicago, IL 60613, (866)-934-7283 • WA: Consumer Loan Company License CL-2611.