Recruiting booklet branch opportunity corp

Superior branching opportunity The right fit for you and your team

When the right people join forces, everyone benefits Contact me today Residential Finance

Tel. 614.324.4700

www.residentialfinance.com

NMLS #: 1652

Tol. 800.930.7334

One Easton Oval Suite 400 Columbus, Ohio 43219

Fax. 877.407.2084

Equal Opportunity Employer

A Culture of Excellence What makes Residential Finance Branching different from other branching companies?

Welcome to Residential Finance! Founded in 1997, Residential Finance is an award-winning, nationwide mortgage lender based in Columbus, Ohio. We work with customers from coast to coast, operating – several regional operations centers and branch locations across the country.

When you’re ready to position yourself to achieve new levels of success, count on our extensive capabilities and excellent reputation to bolster your knowledge and ambitions. You and your staff can enjoy the latitude that our deep product mix offers, as well as the strength of our comprehensive support services.

Keep reading, and you’ll see the many advantages we offer to help meet the needs of your customers. With so much strength, you’re also bound to see why we’ve earned over 25 industry honors — and why we continue to branch out with such success.

PAGE 1

EXCELLENCE IN

Loan Products Our mix of loans is as deep and wide as our reputation is strong.

Whether your customers want to buy or refinance a house, or invest in residential property, we have the wide variety of lending products needed for most any situation.

Our excellent standing in the mortgage industry gives Residential Finance – and our branches – added marketplace strength.

Residential Finance is seller-servicer approved by Fannie Mae and Ginnie Mae, with Freddie Mac approval pending.

This designation, based on excellent business practices, is a status that few lenders attain. We are also “Full Eagle” certified by the U.S. Department of Housing and Urban Development, and have Veterans Administration Automatic Authority.

LOAN PRODUCTS • • • • •

FHA "Full Eagle" Fixed-rate Adjustable rate Conventional Veterans

• • • • •

HARP Jumbo HELOC USDA Foreign National

• 203(k) and Streamlined K • High balances • Investment properties

PAGE 2

EXCELLENCE IN

Lending Operations Start-to-finish precision is our constant focus.

If you can’t get your loans closed with speed, accuracy and reliability, little else matters. You can impress your borrowers and referral partners with our consistently swift pre-approvals, underwriting in as fast as 24 hours and same-day closings.

But we don’t just close loans. We create positive experiences that extend beyond the closing hand shake so that ultimately, each satisfied customer becomes yet another influential referral source.

R e fe rra l De sk

Transitioning your current pipeline into our system? Count on our “pipeline transition team” to unite with your originators to work your loans for you.

Made up of highly experienced call center loan officers and processing staff, our Referral Desk understands how important it is to provide a seamless, successful customer service experience.

Sce n a ri o De sk

No more going to Mortgage Grapevine with your loan scenarios! Our Scenario Desk is operated by qualified underwriters to help provide the guidance you need to place your loan correctly, and ensure the quality and speed your clients expect.

C u st o m e r Se rv i ce Help De sk

Got a question? Ask away. You can rely on our responsive and knowledgeable Help Desk staff. Ready to clarify information and solve problems, our customer service experts provide the premiere level of attention you'd expect from one of the nation’s leading mortgage lenders.

Qu i c k R e a ct i o n Fo rce

You can count on the hustle and efficiency of our Quick Reaction Force.

Working from a specialized control center at our company headquarters in Columbus, Ohio, this team of mortgage experts oversees the course of your loan from start to finish. Their dedication makes on-time closings just normal business.

We strive to provide such exceptional service that we

exceed your expectations, thrill your customers and drive business to your door.

PAGE 3

EXCELLENCE IN

Marketing

Creativity. Analysis. Results.

We help open new doors of opportunity for you.

The in-house Residential Finance marketing team creates marketing products that help push business to you. Yes, it’s true! We offer an experienced staff of talented professional analysts, writers, designers, public relations and digital experts who know how to speak to your customers.

Marketing library and custom design Agency quality design

Our full team of writers and designers are able to create custom work, including brochures, emails, presentations and more. If you need it, we can provide it.

The Top Ten

Reverse Mortgage Myths

Separating fact from fiction The reverse mortgage is sometimes a misunderstood loan program. To help clarify what’s true and what’s not, this Residential Finance pamphlet provides straightforward reverse-mortgage mythbusting information.

The time to buy a house is now!

What is a reverse mortgage? Designed specifically for seniors, the reverse mortgage enables homeowners age 62 and older to convert a portion of their home equity into tax-free money without having to sell the home, give up title, or make a monthly mortgage payment.

It’s called a reverse mortgage because the payment stream is “reversed.” Unlike a regular mortgage loan when the homeowner makes monthly payments to a lender, the arrangement is reversed and a lender makes payments to the homeowner. Now, turn the page to get the straight story…

Take advantage of today’s low rates and low housing prices

Contact me today!

Our strong expertise is your advantage Tel. 123.123.1234 Ext. 1234 Jane Branch Buying a home is a major decision. Whether you’re looking for your first home, your Tol. 888.123.1234 1234best advice to help or an investment property, you deserve to Ext. get the Senior dream Loanhome Officer you make sound decisions. You can count me. Backed by a team of mortgage Cel.on 123.123.1235 NMLS #: 123456 professionals, my strong lending expertise can help simplify your home-financing process.

Fax. 123.123.2222

jane.branch@myrfc.com janebranch.myrfc.com One Easton Oval Suite 400 Columbus, Ohio 43219

Quick pre-approvals move things along It’s a great idea to get pre-approved for a loan before you start house hunting. With a Residential Finance pre-approval letter in hand, you can save time by looking only at houses that fit your budget. Plus, you’re empowered to make an immediate offer and beat out competing homebuyers.

Extensive lending options increase confidence We want you to be as happy with your mortgage loan as you are with your new home. Residential Finance offers a wide range of loans to suit a variety of homebuyer situations, reinforcing your confidence in finding the one that works best for you.

Let me answer your questions and provide decision-making details about our home loans. They include:

We market you!

• • •

FHA Fixed rate Adjustable rate

• •

Conventional Veterans

• •

Jumbo Foreign National

• • •

Section 203(k) Investment properties And more!

Closing the loan opens the door to repeat business

Contact me today!

Jane Branch Senior Loan Officer NMLS #: 123456

Tel. 123.123.1234 Ext. 1234 Tol. 888.123.1234 Ext. 1234 Cel. 123.123.1235 Fax. 123.123.2222 jane.branch@myrfc.com

janebranch.myrfc.com When you’re ready to buy a house, let my One Easton Oval, Suite 400 expertise open doors for you.

Columbus, Ohio 43219 Boost your business with strategic follow-up mailings resIDenTIal FInanCe CorPoraTIon (rFC) 1 easTon oval, sTe 400 ColumBus, oh 43219. noT aFFIlIaTeD WITh resIDenTIal FunDInG CorP. ConDuCTs BusIness as rFC morTGaGe I/l/T/n resIDenTIal FInanCe CorPoraTIon In ny. noT an oFFer oF CreDIT or CommITmenT To maKe a loan; noT avaIlaBle In all areas; suBJeCT To unDerWrITInG GuIDelInes. nmls #1652; va lenDer ID #2595540000; aK #aK1652; al #21483; ar #101062; aZ #BK-0905843; Ca FInanCe lenDers laW lICense #6039726; Co morTGaGe BroKer lICense #100029775 CheCK lICense sTaTus aT WWW.Dora.sTaTe.Co.us/real-esTaTe/InDeX.hTm; CT #12900; De ChP 22 lICenseD lenDer #011831; DC #nmls1652; Fl #mlD167; Ga #19399; hI #hI-1652; Il #mB 0005562; In DFI #16242; Ky #mC82945; la #1652; mD #11143; ma morTGaGe lenDer #ml1652; mI 1sT & 2nD Fl4201 & sr 0010569; mn #mn-mo-02049502; ms #4434/2009 lICenseD By The ms DePT oF BanKInG & Consumer FInanCe; nJ lICenseD By nJ DePT oF BanKInG & InsuranCe nJ CorresPonDenT morTGaGe BanKer & seConDary morTGaGe loan lICensee #9945825; nm #03691; ny lICenseD morTGaGe BanKer-nys BanKInG DePT #B500784; nC #l-139845; oh #mB802662.000; or #ml-5063; Pa lICenseD By The Pa DePT oF BanKInG Pa morTGaGe lenDer lICense #22135; sC #mB-0508408; Tn #4093; TX sml #45235 (2 GallerIa ToWer 13455 noel rD sTe 1000 Dallas TX 75240); va lICenseD By va sTaTe CorP CommIssIon mC 3003; uT Dre mTG enTITy #8404312, Wa Consumer loan ComPany Cl-1652 Wa masTer BusIness lICense #602403652; WI #21906Ba.

The value of repeat business and customer referrals is huge.

Personal webpages Your online presence

You will have personalized branch webpage designs with loan officer pages attached.

Access to career postings is also available.

That’s why we reinforce your expertise by sending 11 follow-up mailings to each of your customers after their loans close.

Each mailing is carefully developed as part of a series to resonate with the recipients and generate positive response. Best of all, each mailing can be branded with your name, photo and contact information – at no charge. It’s our way of saying “thank you” for working with us. rev: 2/11/13 ©

Consumer_Flyer_PurChase

Your customer receives:

Let’s work together.

• Welcome letter

• Thank-you card

• Customer survey

• Eight co-branded postcards

Jane Branch Branch Manager NMLS#12345 (123) 123.1234 office Jane.Branch@myrfc.com

Dear Jane and Luke, It was great doing business with you. I just wanted to touch base and remind you that we are here to help you with all your financial questions and needs. Keep in mind that your family and friends may also benefit from today’s low rates. If you know someone looking to refinance or purchase a home, please feel free to have them contact me or your Realtor (listed below). We would be happy to help.

Jane Branch Senior Loan Officer

JANE BRANCH RESIDENTIAL FINANCE CORPORATION 1234 Street Name Suite 100 Anywhere, ST 12345

NMLS #: 123456 RECIPIENT NAME MAILING ADDRESS 1 MAILING ADDRESS 2 CITY, STATE ZIP CODE

Sincerely, Jane Branch

Contact me for more details!

Tel. 123.123.1234 Ext. 1234

Are you a veteran in need of home refinancing?

Tol. 888.123.1234 Ext. 1234 Cel. 123.123.1235

John Realtor Realtor ® Sample Realty 123.123.1234 office John.Realtor@Realtor.com

Fax. 123.123.2222 jane.branch@myrfc.com

That’s two years of automated marketing! With so much market presence, it’s even easier to nurture your established client base.

janebranch.myrfc.com One Easton Oval Suite 400 Columbus, Ohio 43219

Proud to serve our heroes

reSIdentIal FInanCe CorPoratIon (rFC) 1 eaSton oval, Ste 400 ColUMBUS, oH 43219. not aFFIlIated WItH reSIdentIal FUndIng CorP. CondUCtS BUSIneSS aS rFC Mortgage I/l/t/n reSIdentIal FInanCe CorPoratIon In ny. not an oFFer oF CredIt or CoMMItMent to MaKe a loan; not avaIlaBle In all areaS; SUBJeCt to UnderWrItIng gUIdelIneS. nMlS #1652; va lender Id #2595540000; aK #aK1652; al #21483; ar #101062; aZ #BK-0905843; Ca FInanCe lenderS laW lICenSe #6039726; Co Mortgage BroKer lICenSe #100029775 CHeCK lICenSe StatUS at WWW.dora.State.Co.US/real-eState/IndeX.HtM; Ct #12900; de CHP 22 lICenSed lender #011831; dC #nMlS1652; Fl #Mld167; ga #19399; HI #HI-1652; Il #MB 0005562; In dFI #16242; Ky #MC82945; la #1652; Md #11143; Ma Mortgage lender #Ml1652; MI 1St & 2nd Fl4201 & Sr 0010569; Mn #Mn-Mo-02049502; MS #4434/2009 lICenSed By tHe MS dePt oF BanKIng & ConSUMer FInanCe; nJ lICenSed By nJ dePt oF BanKIng & InSUranCe nJ CorreSPondent Mortgage BanKer & SeCondary Mortgage loan lICenSee #9945825; nM #03691; ny lICenSed Mortgage BanKer-nyS BanKIng dePt #B500784; nC #l-139845; oH #MB802662.000; or #Ml-5063; Pa lICenSed By tHe Pa dePt oF BanKIng Pa Mortgage lender lICenSe #22135; SC #MB-0508408; tn #4093; tX SMl #45235 (2 gallerIa toWer 13455 noel rd Ste 1000 dallaS tX 75240); va lICenSed By va State CorP CoMMISSIon MC 3003; Ut dre Mtg entIty #8404312, Wa ConSUMer loan CoMPany Cl-1652 Wa MaSter BUSIneSS lICenSe #602403652; WI #21906Ba.

A low credit score won’t stand in your way Refinance your existing VA loan

Partner_Flyer_realtor advantage

Online store

Promotional and Print Products

From REALTOR® marketing to loan officer incentive gear and everything in between, if it’s a promo or print product, you can find it in our deep inventory of goods housed on our online company store. You can even generate personalized marketing pieces with the click of a mouse.

Turnkey marketing

Two-hour max response time

Customized collateral. If you can’t find what you need on the company store, just complete your request for a custom marketing product at support.myrfc.com under “Marketing Request.” Our talented Marketing team will work with you to fulfill your request with pleasing results.

Dynamic lead programs

Business-driving lead programs

Our lead programs include hot-transfer telemarketing, internet leads and direct mail.

Because we work with top lead providers, the internet-lead buying program allows you to leverage the advantages of our economies of scale.

rev: 2/2/13 ©

If you’re a U.S. veteran, active servicemember, or qualifying spouse looking to improve or restructure your financial situation, let me help you secure a VA Streamline Refinance Loan— a.k.a. Interest Rate Reduction Refinance Loan (IRRRL) — through Residential Finance.

This government-backed refinancing option is available if you have already used your eligibility for a VA loan on the property you want to refinance. It allows you to lower your interest rate and monthly mortgage payment, as well as shorten the term of your loan. In most cases, your refinancing can be secured in as few as 10 days.

Refinance your mortgage As the name suggests, a VA Streamline Refinance Loan offers a streamlined application process, making it faster and easier to qualify and get the refinancing you deserve.

•

Lower credit scores accepted

•

No appraisal needed

The Smart Guide to Refinancing

Contact me today!

Jane Branch Senior Loan Officer NMLS #: 123456

•

No income verification required

Tel. 123.123.1234 Ext. 1234

•

Less paperwork

Tol. 888.123.1234 Ext. 1234

•

Lower closing costs

Cel. 123.123.1235 Fax. 123.123.2222

Rates won’t stay low forever

jane.branch@myrfc.com

With historically low interest rates, now is the time to put me to work to help refinance your home. Supported by the team of expert mortgage professionals at Residential Finance, my knowledge and dedication can make this happen quickly and efficiently.

janebranch.myrfc.com One Easton Oval Suite 400 Columbus, Ohio 43219

resiDentiAl FinAnCe CorPorAtion (rFC) 1 eAston oVAl, ste 400 ColumBus, oH 43219. not AFFiliAteD WitH resiDentiAl FunDinG CorP. ConDuCts Business As rFC mortGAGe i/l/t/n resiDentiAl FinAnCe CorPorAtion in ny. not An oFFer oF CreDit or Commitment to mAKe A loAn; not AVAilABle in All AreAs; suBJeCt to unDerWritinG GuiDelines. nmls #1652; VA lenDer iD #2595540000; AK #AK1652; Al #21483; Ar #101062; AZ #BK-0905843; CA FinAnCe lenDers lAW liCense #6039726; Co mortGAGe BroKer liCense #100029775 CHeCK liCense stAtus At WWW.DorA.stAte.Co.us/reAl-estAte/inDeX.Htm; Ct #12900; De CHP 22 liCenseD lenDer #011831; DC #nmls1652; Fl #mlD167; GA #19399; Hi #Hi-1652; il #mB 0005562; in DFi #16242; Ky #mC82945; lA #1652; mD #11143; mA mortGAGe lenDer #ml1652; mi 1st & 2nD Fl4201 & sr 0010569; mn #mn-mo-02049502; ms #4434/2009 liCenseD By tHe ms DePt oF BAnKinG & Consumer FinAnCe; nJ liCenseD By nJ DePt oF BAnKinG & insurAnCe nJ CorresPonDent mortGAGe BAnKer & seConDAry mortGAGe loAn liCensee #9945825; nm #03691; ny liCenseD mortGAGe BAnKer-nys BAnKinG DePt #B500784; nC #l-139845; oH #mB802662.000; or #ml-5063; PA liCenseD By tHe PA DePt oF BAnKinG PA mortGAGe lenDer liCense #22135; sC #mB-0508408; tn #4093; tX sml #45235 (2 GAlleriA toWer 13455 noel rD ste 1000 DAllAs tX 75240); VA liCenseD By VA stAte CorP Commission mC 3003; ut Dre mtG entity #8404312, WA Consumer loAn ComPAny Cl-1652 WA mAster Business liCense #602403652; Wi #21906BA.

Consumer_Flyer_VA streAmline

reV: 2/18/13 ©

We're here to walk you through the process The Smart Guide to Refinancing is provided to you as a tool to clarify the loan process. Use this easyto-follow guidebook to write down your goals, understand your options and keep track of your progress.

When you choose Residential Finance for your refinancing, you gain a team of mortgage professionals dedicated to finding the right mortgage loan with the best rate and terms to meet your financial objectives.

Contact me today Jane Branch Senior Loan Officer NMLS #: 123456

jane.branch@myrfc.com

Tel. 123.123.1234 Ext. 1234 Tol. 888.123.1234 Ext. 1234

janebranch.myrfc.com

Cel. 123.123.1235

One Easton Oval Suite 400 Columbus, Ohio 43219

Fax. 123.123.2222

Proven

resultso

riented

program

s

PAGE 4

EXCELLENCE IN

Strategy Access to industry-leading foresight and guidance.

When you work with Residential Finance, you gain direct access to some of the most astute knowledge in the business. As the former number-one loan originator in the country and a decidedly accomplished mortgage industry entrepreneur, our Chief Market Strategist Barry Habib regularly shares what it takes to succeed in this business.

Daily market strategy videos: You can watch daily

videos that Barry creates, offering market guidance and recommendations for locking or floating loans.

Real-time MBS quotes: You can receive real-time bond quotes via email or text, and always stay on top of the market.

Sales calls with Barry: You can take part in monthly sales calls and question-and-answer sessions that address the market and sales techniques.

REALTORÂŽ events: We hold national real estate

professional events with Barry as the featured speaker.

He shares tips to help real estate agents become more profitable by working smarter, not harder. These events help our sales force capture more referral and purchase business in their local markets.

National brand presence: Barry appears regularly on

CNBC and Fox News as a respected financial authority.

Because Residential Finance is always featured with Barry’s name, our brand is carried into millions of homes with the inherent message that we are trusted industry experts.

PAGE 5

EXCELLENCE IN

Technology We don't settle for second best.

By partnering with the best technology resources in the business, Residential Finance is able to implement the hi-tech automation and knowledge you can rely upon to keep your operation going strong. We provide our entrepreneurs with accessible, web-based technologies, Help Desk on-call experts and extended hours of support.

Encompass Bankers Edition

>> Web-based loan origination system

We’ve taken a great system and made it even better. Our version of Encompass, the award-winning loan-origination software, is enhanced with custom-developed tools to help loan originators close with more transparency, efficiency and ease— from pricing-engine integration to automated disclosure templates with local fees.

>> Automated pricing engine

Microsoft Exchange

>> Real-time reporting

>> Individual websites for branches and loan officers

Smartphone user? No problem! We keep you fully connected and equipped for business on the go. You can access your email anywhere, anytime by using Microsoft Exchange with remote web-access capability.

>> 24-hour Intranet with dashboard reporting

Velocify

>> Live support >> Smartphone integration

The industry’s premier Lead Management System will have you closing more loans with fewer leads in no time. Get today’s latest efficiency-enhancing sales force automation with tools like Preview Dialer, Click-to-Dial, Email Incubation, and more. Plus, our proprietary Shark Tanks can help you close up to twice your normal conversion rate.

Interactive Intelligence

An optional service, our highly sophisticated phone system gives you full control over your originators. Listen, join, coach, and record calls. Get real-time metrics on productivity with leading edge VOIP telephony.

PAGE 6

EXCELLENCE IN

Licensing We manage the minutia – you run the branch As honorable mortgage professionals, you and your team need to join a company that is fully aware and respectful of licensing requirements across the country. You can depend on us. In fact, we’ve developed such a sophisticated licensing strategy, that some of our executives have been asked to speak at leading mortgage industry events about it.

Get licensed in multiple states to earn more

The more areas where your loan officers can practice, the more business they (and you!) can take on. With stringent mortgage industry regulations in place to protect consumers, it’s vital that your staff is fully trained, informed and authorized to sell loans in different states.

Let us handle all the licensing details for you

We have premier teams of legal, licensing, quality control and compliance experts who stay on top of initial testing and annual requirements established by the Nationwide Mortgage Licensing System and Registry (NMLS).

They aggressively watch for new legislation or other changes that may affect how and where you may practice.

• Fully licensed and trained attorneys and paralegals • Combined 50-plus years of legal experience • Fast licensing turnarounds

• Vigilant, continual review of industry requirements • Aggressive state-to-state expansion plan

WA

OR

ME

ND

MT

MN

ID

VT NH

SD

WI MI

WY

IL

UT

CA

CO

KS

IN

MO

OH

Residential Finance

NJ

WV VA

KY

OK

NM

SC

AR MS

TX

AL

GA

LA FL currently licensed

HI

PAGE 7

DE MD DC

NC

TN

AZ

AK

RI CT

PA

IA

NE

NV

MA

NY

EXCELLENCE IN

Human Resouces Relax, we'll handle the paperwork.

As an entrepreneur, your employees are the driving force behind your branch’s success. For this reason, we have human resource (HR) experts who are focused on your recruiting, hiring, onboarding, benefits administration and employee processing. We free you from the piles of paperwork so you can concentrate on running your branch.

Candidate-screening assistance

Find great employees faster. We have an experienced HR and legal team to assist you in screening candidates, and make finding the best talent an easy and reliable process.

Robust benefits

Ensure your people have the best coverage—without having to manage it. We provide a wide variety of benefits for our full-time employees and their families, including: medical, dental, vision, life, disability, 401(k), and flexspending options. Our benefits are a la carte, so our employees can customize coverage based on their needs.

At your service

Get the help you need. Our HR team is dedicated to providing fast, accurate and reliable assistance. You’d expect no less from a company dedicated to superior customer service.

Smooth onboarding process

Trust us to make certain that those you hire will experience a personalized, yet efficient, onboarding experience.

We make coming on board Residential Finance a smooth process with essential services like: • New-hire orientation • New-employee set-up • Candidate welcome emails

• Emailed job offer letters • Online application process

HR &

BENEFITS

Employee Processing >> New hire processing >> Background screening >> Benefits administration >> Help desk

Full Benefits Package >> Medical >> Dental >> Vision >> Life >> 401(k) >> Disability

PAGE 8

EXCELLENCE IN

Training & Development Innovative. Comprehensive. Ongoing.

You have excellence objectives. We have excellent training and development programs to help you reach them.

Whether you want sales boot camps, professional development courses or succession planning pathways, our initial and ongoing training offers mortgage professionals a platform to gain new knowledge and enhance their skill sets.

Onboarding Training Branch Manager Orientation

Conducted at our corporate headquarters in Columbus, Ohio, this intensive two-day introduction will allow you to meet your support staff and expedite your acclimation to your new home.

Comprehensive Loan Officer Training

Our Loan Officer Training accommodates all levels of experience. Whether you have a recruit or a seasoned lending professional, any loan officers new to your Residential Finance team will walk away from the comprehensive 50 hours of training knowing more than you did before you began.

Online learning

Loan officer and staff training are available through our online learning management portal. Now you and your staff can stay current on systems, regulations, company policy, latest sales techniques, and more, with less management time spent on your end.

Free membership to MBS Highway

All our branch managers and loan officers are given free membership to MBS Highway, a cutting-edge digital platform that helps industry professionals to interpret and forecast activity in the mortgage rate and bond markets. The brainchild of Barry Habib, MBS Highway offers daily updates and videos that you can rely on for ultimate relevance, speed and precision. Learn more at www.mbshighway.com

Market Matters with Barry Habib

We frequently send out emails from Barry to you and your loan officers that can be forwarded with your signature to customers or real estate agents. Each email is carefully crafted to make Barry’s market knowledge relevant and understandable for homebuyers and agents.

Professional development

We offer regular opportunities for you and your staff to enhance your industry and leadership knowledge through our Learning Path development program. Held either online and on-site, topics include ethics, sales, customer service, interpersonal communications, industry-related updates and technology reinforcements.

Training Leadership: Sonya Gray, Director of Organizational Development

Sonya is responsible for leading our organizational performance enhancement objectives. With extensive experience as a learning and development strategist in the financial services industry, Sonya works closely with management to elevate the clarity, cohesion and consistency of our programs and processes. She is responsible for leading a strategic array of professional development efforts, ranging from new hire training to mentoring programs, leadership growth opportunities, and succession planning.

PAGE 9

EXCELLENCE IN

Leadership Our executive team offers leadership strength and entrepreneurial power.

Michael Isaacs, Chief Executive Officer

Michael Isaacs is President and Chief Executive Officer of Residential Finance. Founded in 1997, the company has grown to be the 55th largest mortgage company in the nation. Under his direction, Residential Finance was named an Inc. 500|5000 winner by Inc. magazine four times running, earned the Business First Best Places to Work award in Columbus, Ohio, and Tampa, Florida, and was awarded the Sales Department of the Year by the American Business Association. Mike’s career spans more than 20 years, with roots established as founder and CEO of a leading home remodeling company.

David Stein, President of Retail Branching and General Counsel

Barry Habib Chief Market Strategist

Chris Derrow, President of Core Services Division

Alan Rabideau, Chief Information Officer

Jessica Manna, V.P. and Chief Marketing Officer

Peter Gilbert, Chief Credit Officer

Co-founder David Stein serves as both President of the Retail Branch Division, leading success objectives for the retail branch support system, and as General Counsel, directing legal and compliance efforts. Under David’s guidance, the company became a leading residential lender in the U.S., earning the highest level of approval from the Department of Housing and Urban Development (HUD), Fannie Mae and Ginnie Mae. He is a nationally recognized speaker on regulatory compliance and banking law, and was named Top Corporate Counsel of the Year in 2012 by Columbus Business First.

Chris Derrow is responsible for establishing new ventures with real estate brokers and builders to deliver consistent and reliable homeownership-related services to customers across the country. Prior to joining Residential Finance, Derrow was the President of Trident Holdings, formerly Real Living, Inc. He also served nearly 20 years in numerous leadership roles for Well Fargo Home Mortgage, including Regional Vice President.

Jessica Manna oversees offline and online lead generation, public relations, and brand management. Current and prior memberships include LendingTree’s Advisory Council, Leads Council, Financial Services Council of the Direct Marketing Association, American Marketing Association, and the Public Relations Society of America. Jessica was named “Top 30 [Marketers] Under 30” by the Direct Marketing News and her teams have won six awards from the American Marketing Association, National Center for Database Marketing, MarketingSherpa and LendingTree.

Jude Tribble, V.P. and Associate General Counsel

Jude Tribble is in charge of directing the company’s legal, licensing, quality control and compliance departments.

With a focus on mortgage lending compliance and federal regulations, she has been instrumental in establishing a premier licensing and compliance operation. Previously, Jude served in leadership roles at Insight Bank and Union Savings Bank.

Co-owner Barry Habib serves as Chief Market Strategist.

As a renowned mortgage-market expert, he provides the company’s sales force with exclusive market insights and direction. He is also the founder and CEO of MBS Highway, a company and platform that helps interpret and forecast activity in the mortgage rate and bond markets. For more than 20 years, Barry has shared his expertise on FOX and CNBC, including his Monthly Mortgage Report shown on “Squawk Box.” He is a sought-after speaker on financial markets, housing, negotiation, technical trading analysis, sales training and motivation.

Alan Rabideau is in charge of all technology, telecommunications, wide and local area networking, desktop and applications support, IT security, disaster recovery and records management for Residential Finance. Since joining the company in 2004, Alan has directed the implementation of continuous innovations to enhance efficiencies that support the company’s stability and growth.

Peter Gilbert directs the company’s lending operations, including processing, underwriting, closing, secondary and servicing. He has over 25 years of experience in the mortgage industry. Prior to joining Residential Finance, he was responsible for credit and secondary marketing functions for all business channels at New Penn, and served as Divisional Senior Vice President of Operations Bank of America and Countrywide Home Loans, a division that produced more than $2 billion per month.

René Lewis, V.P. of Human Resources

René Lewis directs all aspects of the Residential Finance human resources and talent management programs. As a Certified Professional in Human Resources and Certified Professional Behavior Analyst, she oversees organizational development, benefits and wellness, compensation and employee relations. René’s previous HR leadership roles span from retail to government to international business.

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Equal Opportunity Employer RESIDENTIAL FINANCE CORP (RFC) 1 EASTON OVAL, STE. 400 COLUMBUS, OH 43219. NOT AFFILIATED WITH RESIDENTIAL FUNDING CORP. CONDUCTS BUSINESS AS RFC MORTGAGE I/L/T/N RESIDENTIAL FINANCE CORPORATION IN NY. NOT AN OFFER OF CREDIT OR COMMITMENT TO MAKE A LOAN; NOT AVAILABLE IN ALL AREAS; SUBJECT TO UNDERWRITING GUIDELINES. NMLS #1652; VA LENDER ID #2595540000; AK #AK1652; AL #21483 AND MBL#21025; AR #101062; AZ #BK-0905843; CA FINANCE LENDERS LAW LICENSE #6039726; CO REGISTERED MORTGAGE COMPANY RESIDENTIAL FINANCE CORPORATION NMLS#1652, (800-930-7334) REGULATED BY THE DIVISION OF REAL ESTATE; CT MORTGAGE LENDER #ML-1652; DE CHP 22 LICENSED LENDER #011831; DC MORTGAGE DUAL AUTHORITY LICENSE MLB1652; FL #MLD167 AND #MLD987; GA #19399; HI #HI-1652; IL #MB 0005562; IN DFI #16242; KY #MC82945; LA #1652; MA MORTGAGE LENDER #ML1652; MD #11143; ME SUPERVISED LENDER # SLM12522; MI 1ST & 2ND FL4201 & SR 0010569; MN #MN-MO-02049502; MS #1652 LICENSED BY THE MS DEPT OF BANKING & CONSUMER FINANCE; NJ NMLS #1652 LICENSED BY THE NJ DEPT. OF BANKING & INSURANCE, RESIDENTIAL FINANCE CORPORATION, ONE EASTON OVAL SUITE 400 COLUMBUS, OH. 43219, 800-930-7334; NM MLC#03691; NY LICENSED MORTGAGE BANKER AND NY REGISTERED EXEMPT MORTGAGE LOAN SERVICER-NYS BANKING DEPT #B500784; NC #L-139845; OH #MB802662.000 AND OH #SM.501840.000; OR #ML-5063; PA LICENSED BY THE PA DEPT OF BANKING PA MORTGAGE LENDER LICENSE #22315; RI #20102825LL; SC #MLS-1652; TN #109200; TX SML #45235 (17330 PRESTON ROAD, SUITE 160B, DALLAS TX 75252); VA LICENSED BY VA STATE CORP COMMISSION MC 3003 (WWW.NMLSCONSUMERACCESS. ORG); UT DRE MTG ENTITY #8404312, WA CONSUMER LOAN COMPANY CL-1652; WA MASTER BUSINESS LICENSE #602403652; WI #21906BA AND #1625BR. WV MORTGAGE LENDER LICENSE #ML-32694; FOR MORE INFO VISIT RESIDENTIALFINANCE.COM/LEGAL OR WWW.NMLSCONSUMERACCESS.ORG BranchingOpportunity_ProFormaVersion9-10

December 11, 2013 5:17 PM