OriginPoint - Happy Book

Experience the Difference

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A POWERFUL BRAND

OWERFUL BRAND

Guaranteed Rate Guaranteed Rate ndand Compass are Compass have partnering to partnered to orm OriginPoint. form OriginPoint.

A mortgage company uniting the strengths of two digital-first powerhouses to create a seamless experience that results in an easier, faster transaction for all.

mortgage company uniting the rengths of two digital-first owerhouses to create a seamless perience that results in an easier, ster transaction for all.

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A POWERFUL BRAND

Guaranteed Rate is a strong national brand with great momentum. o Third largest retail mortgage lender in the country* o Currently has more than 9,000 employees o More than 750 branches across the country and licensed in all 50 states o We have our own title company, Ravenswood Title o We have our own insurance company, Guaranteed Rate Insurance o Official naming rights of the Chicago White Sox stadium, Guaranteed Rate Field *According to Scotsman Guide Top Mortgage Lenders 2020 Top Retail Volume List.

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OUR ADVANTAGE

Compass is a real estate company with a purpose: to help everyone find their place in the world. # 1 real estate brokerage in the country¹ As an innovative residential real estate firm, Compass supports a powerful network of agents, who drove $254 billion in residential real estate in Gross Transaction Value in 20212.

With the solutions-driven mindset of a startup and the sophistication of a luxury brand, Compass is defining the future of real estate.

1-As of 2021, closed sales volume. Source: RealTrends 3/16/22.

2-Gross Transaction Value is the sum of all closing sale prices for homes transacted by agents on the Compass platform. We include the value of a single transaction twice when our agents serve both the home buyer and home seller in the transaction. This metric excludes rental transactions.

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OUR ADVANTAGE

A network of top real estate agents focused on delivering a smooth A network of top real estate agents and focused on delivering a smooth and memorable memorable experience for every client experience for every client

25K+ Agents

45% of U.S. population covered

90%+ Retention Rate 7

5

nPoint creates a t connection between op VP’s and the top a OriginPoint creates direct between ts in the connection industry to LOs and agents dethe thetop borrower with in the industry to provide the mless homebuying borrower with a seamless rience. homebuying experience.

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A REVOLUTIONARY PLATFORM

EVOLUTIONARY PLATFORM

CEO Mindset

Proactive POD Frees you up to be a rainmaker

CEO Mindset

TM

Changing your mindset is the key to achieving explosive growth.

Now is the time to transform yourself into a CEO originator.

Delegate the busywork to your hanging your mindset is the team and focus on what only you y to achieving explosive growth. can do: selling, marketing and building ow is the time partnerships. to transform urself into a CEO originator. elegate the busywork to your am and focus on what only you n do: selling, marketing and ilding partnerships.

Pricing Flexibility to win in your market Dynamic Marketing Helping you build your brand

Business Development Building powerful partnerships

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Dynamic Dynamic Marketing Marketing Maximize the number of closings from your database by properly marketing your past Maximize the number oftoclosings customers, friends, family and people who know from your database and like you.by properly

marketing to your past customers, friends, family and people who know and like you.

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DYNAMIC MARKETING

KETING

matic Marketing Automatic Marketing

Your contacts are everything. Transform your network into your sales force. Ignite your database to not only use you again and again, but also refer you to all their friends and tactsfamily. are everything.

Transform At OriginPoint we have a best practice work model into your sales force. Ignite (POD) to constantly stay in front of your multiple abasenetwork to notinonly use ways—without you again having to all the work yourself. n, butdoalso refer you to all their

nd family. At OriginPoint we have practice model to constantly stay f your network in multiple ways t having to do all the work yourself.

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FROM DAY ONE

Announce your move right from the start.

Upon Launch o Business Cards

OriginPoint o Materials Social media posts

o Moving announcements o Press Release o Personal website

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Rate Materials

MULTICHANNEL MARKETING

Our centralized Our centralized CRM and Marketing CRM and Marketing system makesitit easy. easy. system makes MULTICHANNEL MARKETING

o Take the thought process out of managing o Take the thought process out your database of managing your database

o Easily access your database to connect o Easily access your database with and market to all your clientstoand connect with and market to all your referral partners in real time

clients and referral partners in real time

o All essential marketing channels and o All essential marketing channels mediumsand aremediums directlyare integrated directly integrated.

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11

SOCIAL MEDIA

your unts.

Support for your Social Accounts. o Assistance setting up your social media channels o Automatic social postings 3x per week o Social media coaching and more

p your els.

stings

ng and more!

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A

SOCIAL MEDIA

Brand Awareness

sistently show Consistently n your network’s show up in your sfeed.

network’s newsfeed.

ect your Facebook, LinkedIn witter for easy posting Connect your Facebook and LinkedIn s all oplatforms for easy posting across all platforms

Testimonials

y, approved and customizable o Ready, approved and customizable graphics, videos and photos cover photos ics, videos and cover

UPGRADE: Sign up for OP Social, and ADE:o Sign up for GR Social, our social media experts will post for ur social experts you media 10-15x per month ost for per o Lyou earn 10-15x useful tips andmonth. tricks to grow your social network by generating

usefulengagement tips and tricks to grow and leads ocial network by generating gement and leads

Market Insights 13

POSTCARDS

POSTCARDS

Directmail mail Direct is alive and well. is alive and well.

o Automatically stay in touch with o Automatically stay in touch with our our monthly postcard campaign monthly postcard campaign o Automatically prospect o Automatically prospect with with our “Product” monthly our postcard “Product”campaign monthly postcard campaign o Co-market with partners

using “Just Listed”, “Justusing Sold”“Just o Co-market with partners and “Coming Soon” Listed”, “Just Sold” andpostcard “Coming campaigns Soon” postcardanytime campaigns anytime 20

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PRINT

randed g at your Instant branded . marketing at your fingertips.

o Expansive library of print marketing assets

o Single-branded and y of print co-branded collateral s o Instant co-marketing

and co-branded

eting 15

L

EMAIL

utomatically send mails monthly Automatically o reinforce send emails irect mailers.

monthly to reinforce direct ClientDrip lets you run “Plug mailers. and play” email campaigns

hat help you stay in front of potential clients.

Leverage our co-branded ClientDriptolets you run “Plug and email otemplates highlight play” email campaigns that help you oan-specific or seasonally stay in front of potential clients elevant information. o Leverage our co-branded email templates to highlight loan-specific or seasonally relevant information

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LISTHOMESM

e your agents’ gs Make as beautiful your agents’ e as they are listings as beautiful rson. online as they are in person.

ized oco-branded sites Customized co-branded sites with full MLS IDX integration MLS and IDXand integration

o Modern, professional , professional templatestemplates deliver a flawless user experience a flawless user experience

o Capture visitor information to e visitorcontinuously information growtoyour database of interested ously grow yourbuyers database

ested buyers 17

CLIPBOARDSM

M

n every cool Turn every cool spect into a prospect into a m lead. warm lead.

mlesslyo capture contact Seamlessly captureinfo contact info by guest check-in on any tting upsetting guestupcheck-in on any device—phone, tablet or laptop e — phone, tablet or laptop o The info automatically syncs to

nfo automatically syncs your database ur database

o Add buyers to a follow-up email buyers drip to acampaign follow-up to email start marketing to them immediately campaign to start marketing

em immediately o Upgrade—Stand and Tablet

ade — Stand and Tablet 18

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Digital Retargeting Digital Retargeting A potential customer

Visits your website

But leaves without contacting you

Retarget opportunity

The potential customer is now a client!

It recaptures their interest and brings them back

User starts seeing your ads across the web

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DIGITAL RETARGETING

Personalized retargeting ad campaigns keep you top of mind with your hottest prospects and help build your brand online. o S ite visitors who are retargeted with display ads are 70% more likely to convert* o O riginPoint marketing can leverage Adwerx to serve each of your website visitors retargeting ads up to 15 times o A udiences are retargeted based on contact lists and geofencing in addition to webpage visitors o U PGRADE: Lean into advanced digital marketing by targeting your database through digital ads, deploying geotargeted ad campaigns, and launching streaming TV commercials *Source: https://skai.io/blog/retargeting-statistics/

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BRAND BLITZ

D BLITZ

reate a buzz in your buzzget in calCreate marketa and local ouryour brand outmarket there. and get your brand out there.

ave branded items on hand for very situation o Have branded items on hand for every

dvertisesituation via billboards, newspaper ads, yers in school programs o windows, Advertise via billboards, newspaper ads, flyers in windows, school programs

ur online promo store, offers promotional o Our online promo store offers promotional ems including everything from pens and items including everything from pens and ress balls to brand name merchandise in stress balls to brand name merchandise in ur “lux”our product line line “lux” product

o Our online promo store, offers promotional including everything from pens o items High quality and wide variety to select fromand stress balls to brand name merchandise in our “lux” product line

o Deep discounts based on volume

o White glove service and support from our

o High Promoquality Team and wide variety to select from o Deep discounts based on volume o White glove service and support from our Promo Team

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AGENT ADVANTAGE PROGRAM

AGE PROGRAM

Demonstrate the onstrate the bletangible benefitsbenefits of how you can youofcan help help agents close ts close more deals. more deals.

rue partnership based on real value g our binder with over 30 pages of o Build a true partnership based on real value ur team can support agents

by using our binder with over 30 pages of em how youyour canteam helpcan them lookagents ways support

theiro customers Show them how you can help them look

good to their acustomers stage for building partnership o Set the stage for building a partnership that ws together grows together

ge our agent-exclusive website o Leverage our agent-exclusive website to your business scale your business

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UPGRADE: RAC PRO+

DE: RAC PRO+

nhanced Features Enhanced features for r RAC. RAC, our online database of marketing materials.

o Journeys nurture leads throughout the sales funnel by automatically grouping email marketing and task urneyscontacts, nurture leads throughout reminders for follow-up

e sales funnel by automatically o Video marketing with BombBomb ouping contacts, email marketing o SMS/Texting capabilities d task reminders for follow-up o Refi Opportunities: Refinance target

reports let you know when it’s time to help deo marketing with BombBomb past customers refinance

MS/Texting capabilities

fi Opportunities: Refinance target ports let you know when it’s time help past customers refinance.

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ENHANCED FEATURES FOR RAC

ed National Our dedicated m will National Events ithTeam planning will assist you tom events. with planning all

your custom events.

er year

o Over 4,800 events per year

would o 93% of loan officers would recommend the events team to a colleague nts team o Monthly and quarterly stipends

o From creating invitations to taking care ly stipends of every detail, the team covers the

entire event, start to finish ions to taking the team 24 ent, start to finish

Dynamic Tech and the Proactive POD Marketing Thethe perfect combination Maximize number of closings technology and human touch fromofyour database by properly marketing to your past customers, friends, family and people who know and like you.

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THE HAPPY PATH

VP of Mortgage Lending delegates and audits using our technology.

gage legates using ogy.

Application

Closing Processing

Underwriting

Approval

Proactive POD Production Manager Holistically manages pipeline

Mortgage Consultant Submits files 26

Underwriter 24 hour turn times

Loan Coordinator Gets approval

TECHNOLOGY

Why our tech is better.

Design and Development

o Built In House o Full control o Prioritization o Tailored for OP

Compatibility

o Interoperability o Data-sync o Full product set o All roles

Support

o Training o Marketing o Compliance o Leadership

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TECHNOLOGY

Everything Everything in Sync in Sync

DATA FLOW

Toto

Red Arrow Connect

Mobile Pipeline

Loan Details Pricing, AUS Update/Send Preapprovals

CRM

Generate Business Marketing Platform Marketing Store Digital Mortgage

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YBR 3.0

Encompass

Pipeline Management

LOS

View pipeline Manage Pipeline Velocity

Process Loan Loan Details

ENHANCED FEATURES FOR RAC

Digital Mortgage application in under 15 minutes. o Customers complete the loan application, and run automated underwriting— providing a complete 1003 o Customers instantly receive credit scores from three bureaus o You spend less time entering customer data fields and provide faster approvals

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MY ACCOUNT

A secure document portal that is user friendly.

o T he personalized to-do list guides next steps and necessary loan conditions o C ustomers can upload their documents from their computers or phones, and everything is collected in one safe, easy-to-access place o I dentifying and requesting additional docs from the customer is quick and efficient for your team o T imely status and progress updates keep customers engaged and focused on completing their tasks

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AUTOMATION TOOLS

Make things easier for both your team and your customers.

Automated Assets

Automated Income

AutoApp & e-Sign

LoanBeam

Automated bank statement gathering and updating make asset verification as easy as possible

Automated income integration eliminates the need to collect paystubs and W-2s

Automated disclosures facilitate faster delivery and document signatures

Automated tax return and income calculations, as well as the identification of missing data, save hours

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TOTO

Pipeline in your pocket with integrated pricing, AUS and preapproval letters.

TOTO

Features

Pipeline in your pocket with integrated pricing, Communicate with your team via the chat feature AUS pricing and Engine preapproval Integrated and AUS (DU & LPA) Update and send preapproval letters on the go letters.

o Loan details for your entire pipeline o o o

Features Benefits o Loan details for your entire pipeline o Manage and view pipeline remotely o Communicate with your team o Reprice loan scenarios via the chat feature from the palm of

Benefits

o Manage and view pipeline remotely

your hand loan scenarios from o Reprice the palm of your o Serve your clients andEngine referral sources no matter where you hand are o Integrated pricing o Serve your clients and and AUS (DU & LPA) referral sources no matter o Update and send preapproval letters on the go

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where you are

ENHANCED FEATURES FOR RAC

TOR

me status Real-time status es for the updatesyour for the loan ilestones milestones care about. your agents care about. o Borrowers can track key milestones in

can track key milestones the loan’s progress ’s progress

o Referral sources can keep tabs on the ources can keep on status of alltabs their referrals

of allotheir referrals Eliminate excessive loan update

phone calls excessive loan update s 33

Proactive POD Managed correctly, our model will enable you to sustainably build your brand and grow your business while improving your quality of life.

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ENHANCED FEATURES FOR RAC

TIVE POD

hat is the oactive WhatPOD? is the Proactive POD?

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

Managed quality.

Managed correctly bycorrectly you, by you, Vice President of Mortgage Lending, our Vice the President of Mortgage Lending, model will enable you to exponentially grow modelyour willbusiness. enable you to onentially grow your business.

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PROACTIVE POD MODEL

Make things easier for both your team and your customers.

Vice President

Production Manager

Processing Team

Underwriting & Closing

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

The Production Manager handles 90% of the processing issues for the VP

Specialized processing roles (MC & LC) allow individuals to master their jobs.

Compensation is based on both speed and quality

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

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ROACTIVE POD PROACTIVE POD

Vice President Vice President

Roles and Respon Roles and Responsibilities

o Originates loan

o O riginates loans, sets up the file, and prices and places with investor and places

with

o G ets out of day-to-day loan activities and focuses on $500/hr vs. $40/hrGets jobs out o

o

of day Reviews and signs closing transmittal, reviews focuses on $50

the CD with borrower and asks for referrals

o Reviews and sig

the CD with bo

Key Tools and Processes

Tools o T oto: Our mobile tech fullyKey enables you to and manage your pipeline and edit pre-approvals

Pro

o Toto: Our mobi

o L oan Summary lets borrowers compare multiple loan options manage your

p

o L oan Status Monitor provides real-time status Loan Summary updates for you

o

multiple loan op

o Loan Status Mo 37

CTIVE POD PROACTIVE POD

ortgage Consultant Mortgage

Roles and Responsib

Roles and Responsibilities

Consultant

o Orders appraisal, Sends app and makesosure it gets signed Sends app and ma Places 3rd-party orders o Places 3rd-party o Requests and reviews supporting docs o Requests and revi Prepares file and submits to UW o Prepares file and s

o Orders appraisal, if needed o o o o

Key Tools and Processes o Appraisal Fee tool and the Property Key Tools Inspection Waiver

and Proce

o

Appraisal o CondoPak eliminates chasing condo docsFee o

too Waiver Docusign and Smart FeesInspection tool

o CondoPak elimina o Docusign and Sma o One-Click automa

o One-Click automatically imports fees

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CTIVE POD PROACTIVE POD

nderwriting

Underwriting

Roles and Responsibili

Roles and Responsibilities

o

consis o U nderwriting consists ofUnderwriting three specialty groups: Conventional, Government and Jumbo

groups: Conventiona

o D edicated teams increase quality and Dedicated teams efficiency and provide unparalleled service and product knowledge

o

o

inc efficiency and provi The Training Department provides underwriters ongoing development and product knowle

o The Training Depart

underwriters ongoin

Key Tools and Processes

Key Tools offers and Process o T he Credit Concierge Department dedicated support for VPs on scenario The Credit Concierg questions, guideline clarification and upfront exceptions dedicated support f

o

o 24-hour turn times

questions, guideline exceptions

o 24-hour turn times 39

n Coordinator PROACTIVE POD

Loan Coordinator

Roles and Responsibil

o Requests and review Requests and reviews conditions o Clears conditions Clears conditions o Verifies cash to clos Verifies cash to close figures and source

Roles and Responsibilities o o o

of funds

source of funds

o Prepares Closing Disclosure

o Prepares Closing Di o Submits clear file to

o S ubmits clear file to the Closing Department

Key Tools and Processes o C ondo/Co-op Database allows faster determination for approvals and document collection

Key Tools and Proces

o Condo/Co-op Data

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

faster determination and document colle

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o CD Xchange is our

closing agents to w

E POD

PROACTIVE POD

oduction Manager Production Manager

Roles and Responsibilities Roles

and Responsibilit

o M anages the VP’s pipeline to make sure every Manages the VP’s loan is hitting all milestones o

o

pi Ensures transparency and proactive loan is hitting all mile

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

o

o Coaches team to improve performance communication

acros and between POD an

o Coaches team to imp Key Tools and Processes

Key and o Y BR: Your team can view,Tools search, sort andProcesse filter loan details with our proprietary pipeline management tool YBR: Your team can

o

o L oans outside of time-to-task are highlighted to filter loan details pro-actively identify issues o

with management tool Features integrated chat and dynamic,

o Loans outside of time

collaborative checklists

to pro-actively identi

o Features integrated c 41

EFFICIENCY TOOLS

ncy Tools e the Efficiency Tools werenhance experience. the

Proactive POD MODEL

borrower experience.

o Workflow is highly automated o Turn times are accelerated

highly automated o You can confidently set and meet

aggressive expectations are accelerated

nfidently set and meet expectations 42

We don’t manage to closing date, but to “Time We don’t manage to established closing date, but to “Time to Ta to Task,” the amount of time it takes to completeof each activity & milestone the established amount time it takes to complete e within the process

activity & milestone within the process

EFFICIENCY TOOL

CIENCY TOOL

FlashClose lashClosesm

SM

o Closing funds are sent the day before every purchase so no one is left waiting for a wire

o The closing package is sent the day Closing before, funds and are OriginPoint sent the day before Closers makeevery a personal call is to left the title company purchase so no one waiting for a wire closer or attorney to ensure they have The closing package is sent the day before, everything they need

and OriginPoint a personal SM o FlashCloseClosers allows make customers to review call o the title closerand or digitally attorney to theircompany closing package sign * their docs advance of closing ensure they haveineverything they need

o Reduces anxiety, gives customers FlashClose allows customers to review their peace-of-mind and saves everybody closing time package and digitally sign their docs at the closing n advance of closing

Reduces anxiety, gives customers peace-of-mind saves *Not eligible for all loan and types or investors.

Eligibleeverybody for conforming and jumbo loans as well as primary, 2nd home and investment properties. Applicant subject to credit and underwriting approval.

Not allthe applicants will be approved for financing. Receipt of application does not represent an ime at closing approval for financing or interest rate guarantee. Title company restrictions may apply, not eligible for HFA programs. Contact OriginPoint LLC, for current rates and for more information.

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SPECIALTY TEAMS

S

useIn-house expertsexperts who turn lemons urn lemons into lemonade. emonade. o Panel of local appraisers who know your market o Builders and Renovation Department with 50 in-house Renovation Specialists local appraisers

o Condo Department w your market o Integrated title and insurance

and Renovation Department companies n-house Renovation Specialists

Department

ed title and insurance companies 44

Dynamic Secondary Marketing Marketing Maximize number Thethe product depth of andclosings pricing flexibility you can win by in your market and from yoursodatabase properly grow your business. marketing to your past customers, friends, family and people who know and like you.

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SECONDARY MARKETING

Control, speed, and flexibility from the best combination of products and competitive pricing in the industry.

Competitive Lending Options Multi-Lender Platform o Extended locks o Flexible extension options o E xpansive investor rate renegotiation o W eekend locking and overnight rate protection Awesome lock options o W e offer a full product line of Agency and Government products o P roprietary credit and condo variances 46

SECONDARY MARKETING MARKETING

ovation loans offer Renovation loans offer eased inventory and increased inventory er turn timesturn for times and faster mesfor that aren’tthat “perfect.” homes aren’t “perfect.”

-house Renovation Specialists

solely on renovations and offer des of o combined 50 in-house experience Renovation Specialists work solely on renovations and offer decades of combined

novation Specialist lends their experience rtise to your POD team

o A Renovation Specialist lends their expertise to petitive your pricing PODand teamcompensation

novation loans. pricing and compensation on o Competitive

renovation loans sis points for each referral novation o 75Specialist basis pointscloses. for each referral a Renovation Specialist closes 47

Dynamic Our Vibe Marketing We are a company with a soul, Maximize the connected number by of aclosings a team of individuals camaraderie is unique in the business. from that your database by properly

marketing to your past customers, friends, family and people who know and like you.

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OUR VIBE

BE

We’re a little different. e’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.

believe that both the way we oach the work and the way we k together are what have led to o #OPVibe phenomenal growth of our business. o Milestone celebrations

GRVibe

o National Operations Day

lestone celebrations o Free turkeys for Thanksgiving

ational o Operations Daily PositivityDay emails ee turkeys for Thanksgiving

aily Positivity emails 49

OUR VIBE

Mission Statement

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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 OP 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

S

live our values liveWe our values every every day, day, professionally and fessionally and personally. personally.

row for good

ut the o customer We grow forfirst good

o Wethe putbest the customer first work with of the best

o We work with the best of the best hink big

o We think big ave grit o We have grit

ave an owner’s mentality

o We have an owner’s mentality

ake decisive action

o We take decisive action

emand excellence

o We demand excellence

old ourselves others accountable o We holdand ourselves and others accountable ive aosh!t We give a sh!t 51

CALLS YOU CAN’ T MISS

Ongoing opportunities and resources to help you build your business as fast as humanly possible.

o Sharing Success: Weekly coaching calls where the best VPs in the country share personal stories of success and how they did it o Secret Sauce: Deep-dive into sales tools, best practices and keys to success with the country’s # 1 producing VP

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o P ulse Calls: Recurring calls hosted by James Elliott where the executive team provides tools to help you leap-frog your competition o S ales Feedback Loop: Regular opportunities for you to provide honest and transparent feedback on how we can serve you better

GIVING BACK

We rally together in ally together in all our communities ur communities across the country. ss the country.

o Give Back Challenge ack Challenge

o Drive: Annual More Food Drive: l Food than More than one million meals donated llion meals donated

o Collecting and donating food and clothing in ing andthedonating and aftermathfood of disasters

g in the aftermath o Volunteer daysoftodisasters clean up parks, beaches and rivers

eer days to clean up parks, o Serving on boards and commissions of local es and rivers agencies and nonprofits

g on boards and commissions l agencies and nonprofits 53

OUR FOUNDATION

Ongoing opportunities a direct impact to and resources e’s help lives,you when build your d itbusiness most. as fast as humanly possible.

milliono in aid in 2020 Granted $1.8 million in aid in 2021

arly $5 has helped morehas helped more than o Smillion ince 2012, nearly $5 million individuals across the country ividuals1,500 across the country

o The average Guaranteed Rate recipient receives Guaranteed Rate recipient $17,521 in forms of grants for rent, car payments, 21 in forms of grants for rent, car groceries or additional assistance oceries additional assistance o 1or 00% of Foundation costs are covered by

Guaranteed Rate, so every dation costs are covered by penny donated helps those who need it most ate, so every penny donated The Guaranteed Rate Foundation is a non-profit charitable organization pursuant to Section 501(c)(3) of the ho need it Internal most United States 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.

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Origin Point, LLC. 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.

OriginPoint LLC; NMLS #2185899; 1800 W Larchmont Ave Suite 305, Chicago, IL 60613; 773-8976587. For licensing information visit nmlsconsumeraccess.org. Equal Housing Lender. Conditions may apply. • 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 #2185899 • NJ: Licensed by the N.J. Department of Banking and Insurance • PA: Licensed by the Pennsylvania Department of Banking and Securities.

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