Consumer Direct Best of the Best

Our Winning Formula will help you grow your business, have a better quality of life and make more money.

We started this company with one main focus: to offer a better value proposition than any other bank or mortgage company in the country for you, your borrowers and your referral partners.

Check out this Best of the Best booklet to learn more about what makes us different.

We believe the more you learn about Guaranteed Rate, the more you’ll love what you see and realize that this is the best company for you.

Start to imagine what your life could be, then come join the Best of the Best.

Victor Ciardelli President & CEO

OUR WINNING FORMULA

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Product Name

Founder

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Pellentesque ornare Guaranteed Rate was founded lacinia quam and CEO, in sem 2000

by President Victor Ciardelli, who continues + Etiam porta sem malesuada magna mollis to run the business today. euismod.

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Victor and hisCras executive team started as euismod. mattis consectetur purus sit amet fermentum. mortgage specialists and truly understand a + officers’ Etiam porta sem malesuada magna mollis. loan needs. They care deeply about + Etiam porta sem malesuada magna mollis your success and helping you grow your euismod. Cras mattis consectetur purus sit amet fermentum. business and accomplish all of your goals.

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Proactive POD

The POD is your Dedicated Team

Elevates the mortgage specialist experience

Mortgage Specialist

Sales Assistant

Processing Team

Underwriting and Closing

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

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

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

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OUR VIBE We’re a company with a soul It’s really all about culture and bettering people’s lives. It’s about giving our customers a blow-away experience on the most important purchase of their life, helping to improve our communities and celebrating our wins together.

Core Values

GR Foundation

These 10 values are what we stand for and live by every day:

Our Foundation has one purpose: to help people in our communities by providing relief in times of hardship through tailored financial support. 100% of Foundation costs are covered by us so every dollar donated goes toward helping people who need it most.

• 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.

Our Foundation is powered by our employees—we’d love to have you help out too.**

• We demand excellence.

• We hold ourselves and others

accountable.

• We give a sh!t.

Customer Satisfaction Our customer service rating is proof that our Core Values aren’t just talk.

Our score of 85 is more than twice the industry average.*

Giving Back Our annual food drive has provided more than 1,000,000 meals since 2013. We host volunteer days to clean up beaches and parks, donate food and clothing in the aftermath of natural disasters and serve on boards and commissions of local agencies and non-profits. We’re committed to helping make the world a more livable, sustainable and caring place.

Incentive Trips *www.retently.com/blog/good-net-promoter-score- Retently ranked companies in the Financial Services industry as having an average NPS of 34 as of February 2021. **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.

Please consult with your tax advisor to determine whether your donation is tax deductible in whole or in part. Nothing in this communication is intended to constitute legal or tax advice. No goods or services were forwarded or offered in exchange for this contribution. 1800 W Larchmont Ave, STE 2, Chicago, IL 60613.

OUR WINNING FORMULA

We win as a team and celebrate as a team.

Join us on our next incentive trip where we meet up in a tropical paradise and have a few mai tais while we share tricks of the trade and toast our victories.

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Product Name

Diversity & Inclusion Aenean eu leo quam.

Pellentesque ornare We’re growing for good. sem lacinia quam

We’re committed to growth. We believe we+can’t grow without representing the Etiam porta sem malesuada magna mollis euismod. Crasin mattis consectetur communities which we purus livesitinamet and work as fermentum. well as being the go-to lender and employer • Etiam porta sem malesuada magna mollis for all communities.

Here are just euismod. Cras mattis consectetur purus sit a few ways fermentum. we are amet working towards this goal: +

+ + + + + +

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+ Etiaminclusion porta sem malesuada magna mollis our Spanish-language Fostering company-wide + Expanding marketing library, giving Hispanic euismod.

Cras mattis of consectetur purus sit amet through the implementation loan officers more opportunities employee-resource groups: fermentum. to market to referral partners and LEAD (Leadership, Equality customers • Etiam porta sem malesuada magna mollis and Development) euismod. + Partnering with nonprofits and GROW (Guaranteed Rate trade organizations, such as + Cras mattis consectetur purus sit amet Organization of Women) NAHREP and NAMMBA, to better fermentum. service communities of color and PROUD (Our LGBTQIA+ be more involved at a local level leadership team) + Providing entry-level experience Investing in executive leadership and career training through our with the hiring of a National Diverse one-of-a-kind excelRate and GR Segments Director University programs Supporting Hispanic loan officers and their customers with bilingual operations staff who assist with the mortgage process from application to closing

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Corporate Benefits Program Aenean eu leo quam.

Pellentesque ornare employers The country’s largest semwith lacinia work ourquam Corporate Benefits program — in return + Etiam porta sem malesuada magna mollis theyeuismod. receive and Cras mattisreduced consectetur purus rates sit amet fermentum. no lender fees.

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Etiam porta sem malesuada magna mollis euismod. Cras mattis consectetur purus sit Currently have over 2,500 + Dedicated team for seamless fermentum. implementation and execution corporateamet benefits partners, serving

more than 20M + Etiam porta sem malesuada magna mollis. offers: up to a $1,500 real + Rotating employees/members benefit + Etiam porta semupmalesuada New partners signed every day magna mollis euismod. mattis consectetur purus sit amet by our BusinessCras Development teamfermentum.

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SEAMLESS TRANSITION We know you’re concerned about the transition.

That’s why we have a tried-and-true plan for a headache-free move. We’ve onboarded some of the biggest originators in the country, and they haven’t missed a beat.

Transition Team We provide all our new Mortgage Specialists with a white-glove experience, including help with managing their databases and a Consultant Mortgage Specialist who will handle the licensable activities throughout the transition.

Fast Ramp Up Our onboarding ensures that you will have quick access to training and support from all departments.

Marketing from Day One Hit the ground running with a customized marketing plan from day one, including moving announcements, a personal website and social media posts.

OUR WINNING FORMULA

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The Guaranteed Rate Difference Hopefully you’ve enjoyed this small taste of how we can help exponentially grow your business. We would love for you to join us on our next incentive trip.

PAST DESTINATIONS HAVE INCLUDED: President’s Club:

Chairman’s Circle:

2020: Riviera Maya, Mexico

2019: Croatia

2019: Nassau, Bahamas

2018: St. Barts

2018: Nassau, Bahamas

2017: Mykonos, Greece

2017: Cancun, Mexico

OUR WINNING FORMULA

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NEXT STEPS 1

2

Contact the Director Recruiting or an SVP today to discuss options Determine your start date

Don’t wait to schedule your call.

Contact your local Divisional Manager today.

Patrick Ruffner

Jason Dorey

EVP of Consumer Direct (310) 806-4604 • James.Elliott@rate.com

Director of Recruiting (518) 469-2441 • John.Palmiotto@rate.com

NMLS #120474

CT, DC, DE, KY, MA, MD, ME, NH, NJ, NY, OH, PA, RI, VA, VT, WV • NMLS #258057

3

Join the team

Alex Matar

Anthony Almeida SVP of Sales, Consumer Direct (773) 516-6456 • Jeff.S.Nelson@rate.com

4

Triple your business

SVP of Sales, Consumer Direct (801) 890-7660 • Julia.Borst@rate.com CO, ID, MT, ND, NE, NV, SD, UT, WY • NMLS #275440

AL, FL, GA, NC, SC, TN • NMLS #481144

Justin Memenga SVP, of Sales, Consumer Direct (310) 612-6001 • John.Stewart@rate.com AK, CA, HI, OR, WA

JOINGRNOW.COM NMLS ID #2611 (Nationwide Mortgage Licensing System www.nmlsconsumeraccess.org) • AL - Lic# 21566 • AK - Lic#AK2611 • AR - Lic#103947 - Guaranteed Rate, Inc. 3940 N Ravenswood, Chicago IL 60613 866- 9347283 • AZ - Guaranteed Rate, Inc. - 14811 N. Kierland Blvd., Ste. 100, Scottsdale, AZ, 85254 Mortgage Banker License #0907078 • CA - Licensed by the Department of Business Oversight, Division of Corporations under the California Residential Mortgage Lending Act Lic #4130699 • CO - Guaranteed Rate, Inc. Regulated by the Division of Real Estate, 773-290-0505 • CT - Lic #17196 • DE - Lic # 9436 • DC - Lic #MLB 2611 • FL - Lic# MLD1102 • GA - Residential Mortgage Licensee #20973 - 3940 N. Ravenswood Ave., Chicago, IL 60613 • HI - Lic#HI-2611 • ID - Guaranteed Rate, Inc. Lic #MBL-5827 • IL - Residential Mortgage Licensee - IDFPR, 122 South Michigan Avenue, Suite 1900, Chicago, Illinois, 60603, 312-793-3000, 3940 N. Ravenswood Ave., Chicago, IL 60613 #MB.0005932 • IN - Lic #11060 & #10332 • IA - Lic #2005-0132 • KS - Licensed Mortgage Company - Guaranteed Rate, Inc. - License #MC.0001530 • KY - Mortgage Company Lic #MC20335 • LA - Lic #2866 • ME - Lic #SLM11302 • MD - Lic #13181 • MA - Guaranteed Rate, Inc. - Mortgage Lender & Mortgage Broker License MC 2611• MI - Lic #FR0018846& SR0018847• MN -Lic #MN-MO20526478• MS - Guaranteed Rate, Inc. 3940N. Ravenswood Ave., Chicago, IL 60613 -Mississippi Licensed Mortgage Company, Lic# 2611 •MO - Guaranteed Rate Lic # 14-1744-A • MT - Lic# 2611 • NJ - Licensed in NJ: Licensed Mortgage Banker - NJ Department of Banking & Insurance • NE - Lic #1811 • NV - Lic #3162 & 3161 • NH - Guaranteed Rate, Inc. dba Guaranteed Rate of Delaware, licensed by the New Hampshire Banking Department - Lic # 13931-MB • NM - Lic #01995 • NY - Licensed Mortgage Banker - NYS Department of Financial Services- 3940 N Ravenswood, Chicago, IL 60613 Lic # B500887 • ND - Lic #MB101818 • OH - Lic #MB0804160 & Lic #SM.501367 - 3940 N. Ravenswood Ave., Chicago, IL 60613 • OK - Lic# ML002651 • OR - Lic #ML-3836 - 3940 N. Ravenswood Ave., Chicago, IL 60613 • PA - Licensed by the Pennsylvania Department of Banking and Securities Lic #20371 • RI - Rhode Island Licensed Lender Lic # 20102682LL, RI - Rhode Island Licensed Loan Broker Lic # 20102681LB • SC - Lic #-MLS - 2611 • SD - Lic# ML.04997 • TN - Lic #109179 • TX - Licensed in TX: Licensed Mortgage Banker & Licensed Residential Mortgage Loan Servicer- TX Department of Savings & Mortgage Lending • UT - Licensed in UT: Utah-DRE Mortgage Entity License #7495184 & Utah-DFI Residential First Mortgage Notification – Utah Department of Financial Institutions • VT - Lic #2611-1 & 0930 MB & 6100 • VA - Guaranteed Rate, Inc. - Licensed by Virginia State CorporationCommission, License # MC-3769• WA- Lic #CL-2611• WI - Lic #27394BA& 2611BR• WV - Lic #ML-30469 & MB-30098 • WY -Lic#2247 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, pregnancyor other reason prohibited by law.