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ORIGINATOR

STOCK INCENTIVE PLAN

SUMMARY

CURRENT MINIMUM REQUIREMENTS $18m in production for calendar year

OR 60 units for calendar year

EARNING METHOD 20 options per funded purchase transaction 5 options per funded refinance transaction

SERIES B PREFERRED INCENTIVE STOCK OPTIONS TOTAL SHARES AVAILABLE: 250,000 STOCK OPTIONS AVAILABLE REPRESENTS 25% OF TOTAL DISTRIBUTED RETAIL DIVISION FIRST YEAR 25,200 SHARES AWARDED 2016 (FOR 2014-2015 PRODUCTION) PURCHASE AND REFINANCE LOANS COUNT FOR MINIMUM REQUIREMENTS PRODUCTION IS PRORATED IN YOUR 1ST YEAR LOANS MUST BE FUNDED BY SYNERGY ONE LENDING, DURING CALENDAR YEAR 4-YEAR VESTING PERIOD IS WAIVED UPON SALE *2016 PLAN REQUIREMENTS. EACH YEAR THE PLAN SPECS ARE DETERMINED BY THE COMPANY.

NMLS #1025894


Originator Stock Options