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EBP

e mpl oy e ebe ne f i t spr ogr am

ABOUTUS

•HomeT eam F undi ng, adi v i s i onofPi nnac l eCapi t al Mor t gageCor p. , i sal oc al homemor t gagel enderwho i sdedi c at edt os er v i ngourc ommuni t yt hr ought hehomepur c has eandr ef i nanc epr oc es s . •Wear ededi c at edt of os t er i ngourc ompanyc or ev al uest oc r eat eac ul t ur eoft eamwor k, empower ment , pos i t i v i t y , andex c el l enc et oens ur et hehi ghes tqual i t yofc us t omers er v i c ef orourbus i nes sandbui l der par t ner s . •Ourmul t i awar dwi nni ngc ompanyf oc us esonc ul t ur et oat t r ac tt hehi ghes tqual i t ymor t gage pr of es s i onal st oens ur es uc c es s f ul par t ner s hi pswi t hourbus i nes s , Real t or , andbui l derpar t ner s . Our ent i r et eam i sdev ot edt oourc ommi t mentofpr ov i di ngonl yex c ept i onal s er v i c e. •Wi t hmor et han100, 000as s oc i at esand700mar k etc ent er sar oundt hewor l dar eaffi l i at edwi t hKel l er Wi l l i ams , ac ompanyc ons i s t ent l yr at edasoneoft het opr eal es t at ec ompani esi nt heU. S. •KWf oc us esi t ’ sr es our c esonbui l di ngi t sagent s ’ bus i nes s es , gi v i ngt hem t het ool st obegr eatl eader sf or t hei rc l i ent s

BENEFI TS

•$1, 000c l os i ngc os t sc r edi tf r om HomeT eam F undi ng * •F r eehomei ns pec t i onf r om By el ot hHer mans on, anex per tr eal es t at ebr ok erwi t hKel l erWi l l i ams * •Mont hl yv al ueaddpr opos i t i on: L unc handl ear nsandwor ks hops CLASSEXAMPLES: •I nt er i ordes i gn •Fi r s tt i mehomebuy er oanpr oc es s : Whatt oex pec t •Howt oac hi ev et hehi ghes tc r edi ts c or e•L •Howt ogett opdol l arwhens el l i ngy ourhome •Homei mpr ov ement

SELLI NGPOI NTS

•Noc os tt ot hec ompany •Val ueaddf orempl oy ees : Fi nanc i al l ys t abl eempl oy eesmak ef orhappi erandmor epr oduc t i v eempl oy ees . “ I nanewSoc i et yf orHumanRes our c eManagements ur v ey , 83% ofHRpr of es s i onal ss ai dt hatper s onal f i nanc i al pr obl emshav es omeoral ar gei mpac tonwor kper f or manc eofempl oy ees . Mor et hanhal fs ai dt hat empl oy eeshav edi ppedi nt or et i r ements av i ngsi nt hepas t12mont hst omak eendsmeet . ”Cour t es yof ht t p: / / money l and. t i me. c om •L oc al mor t gagec ompanywi t hknowl edgeandex per t i s ei ny ourc ommuni t y •Awar dwi nni ngc ompani es : Pi nnac l eCapi t al Mor t gageCor p. i sr ank ed6t hi nt henat i onf ort heSc ot s man Gui deT opMor t gageL ender s2012. Kel l erWi l l i ams ’ r epr es ent at i v esr ec ei v emul t i pl eawar dseac hy earf or l eader s hi pandex c el l enc eandc ompr i s e11% oft heT op1, 000agent si nt heWal l St r eetJ our nal / REALTr ends “ TheThous and”l i s ti n2013.

* Thi sofferi sgoodf orONETI MEONL Yont hepur c has eofane whomeorr ef i nanc e. Thec ouponmus tbepr es ent edt oy ouradv i s oratappl i c at i onandi snont r ans f er abl e. Av ai l abl ef orCOMPANY NAMEHEREempl oy eesonl ywi t hGabeT er r es onandBy el ot hHer mans on. Thi sc l os i ngc os t sc r edi tf r om HomeT eam F undi ngi sv al i df or$ 1 , 00 0, butnotex c eedi ngac t ual c l os i ngc os t s . Es c r ow andpr epai dsex c l uded. By el ot hHer mans onwi l l r ei mbur s et hec os toft hehomei ns pec t i ononl yi ft hehomes al ec l os es . Spec i f i cc ondi t i onsappl y . Thi si snotac ommi t mentt ol end. Pr i c esand gui del i nesar es ubj ec tt oc hangewi t houtnot i c e. Somepr oduc t smaynotbeav ai l abl ei nal l s t at es . Subj ec tt or e v i e wofc r edi tand/ orc ol l at er al ; notal l appl i c ant swi l l qual i f yf orf i nani c ng. I ti s i mpor t antt omak eani nf or meddec i s i onwhens el ec t i ngandus i ngal oanpr oduc t ; mak es ur et oc ompar el oant y peswhenmak i ngaf i nanc i ngdec i s i on. 2 01 4Adi v i s i onofPi nnac l eCapi t al Mor t gageCor p. | Equal Hous i ngL ender WACL-8 1 3 9 5| NML S-8 1 3 9 5



Employee Benefits Program