CMC Corporate Brochure

The PerfectEnvironment for Growth TRUST | INNOVATION | COMMUNITY

OVERVIEWStrength in Numbers.Capital Markets Cooperative (CMC), a Computershare company,helps Patron members across the country compete, succeed,and grow in the highly competitive mortgage banking industry.We can maximize growth for each of our members by leveragingthe power of our Patron group of financial institutions, creditunions and independent mortgage lenders.OUR CORE VALUESTRUSTPatron members count on us to guide them through their uniquebusiness challenges. CMC’s strong affiliations & experience bringtogether the right solutions at the right time to improve businessfor Patrons—helping them reach their goals.INNOVATIONWe develop solutions ahead of the industry, keeping a sharp eyeon Patron growth and profitability. By providing a constant stream ofsolutions, we help Patron members get an edge over the competition.COMMUNITYWe understand the issues and promote purpose-driven collaborationto expand the Patron network of support. Originators join CMCto be part of an organization that has greater negotiating powerthan they may have alone.

OUR SERVICESSomething forEvery Lender. PARTNERS SERVICINGPREFERRED ACQUISITIONLUATIONS AGEMENT RISK MAN MSR VAPREFERRED PARTNERS SERVICING ACQUISITIONGain access to a multitude Agency-direct sellers optimizeof investor incentives and vendor their MSR execution by sellingprograms from a full roster of top to CMC through our co-issuequality Preferred Partners. acquisition platform.aMCsMSseCRsasVrmmAeLsnUytsoAusTowIOtithhNaftSayirovRuaEDmluPeaAkReTNERS dRCSaEMISiRlyCVK&IhCMIeeNxdAegNceusAteyGosEuyMropuEirpNmeTlianned, raetoproyrtsinformed decisions regarding your delivery program with true loan-levelMSR and servicing portfolios. best execution tools and analytics.PREFER G ACQUISITIONUATIONS ANAGEMENT RISK M MSR VAL

RISK MANAGEMENT Brains First. Then Bytes.You need a partner with an unmatched depthof knowledge that understands the risks whenmanaging the best efforts to mandatory spread.CMC works with you to develop your secondary marketingpolicies, and manages your pipeline according to yourcompany’s risk tolerances. When you choose CMC,you gain a partnership with industry leaders that each haveover 20 years of capital markets experience. Mission-criticaldata will be reviewed with you regularly—including currentand projected market conditions, opportunities for financialimprovement, and strategies for upcoming months. CMC alsobenchmarks your pipeline performance against other lenders.Technology-based analyses and high-touch oversight—this balanced level of service is how the best ROIsare achieved.

Since 2003, CMC’s Risk Management business hasmanaged billions in interest rate risk. Highly experiencedteams and refined processes allow CMC to skillfullynavigate the market, creating an environment ofprofitability. CMC’s time-tested process mitigatesyour risk while providing you with seamless businesscontinuity and enhanced operational efficiencies.Identify Your Best Move Stay Up-To-DateUse our benchmarking Reports are delivereddata to understand your daily to senior &market position. secondary managers.Your Mark-To-Market Get HelpYou need to know your We are an extensionvalues—one size of you—your dedicateddoesn’t fit all. capital markets team.Take The Best Price Solutions That FitLive trading analyses The process is tailoredhighlight real-time to your business andprice improvements. evolves as you grow.Contact CMC today to learn more.814 A1A North, Suite 303 Ponte Vedra Beach, FL 32082 904 543 0052 www.capmkts.org [email protected] ©2017 Capital Markets Cooperative, LLC. All rights reserved.

MSR VALUATIONSWe Understand the Market. Rely on CMC’s comprehensive market knowledge and proprietary methodology to accurately determine your MSRs fair value. We continually monitor multiple data sources— encompassing millions of records—to build our borrower behavior and servicing performance trend models. Then, our expert team delivers an independent, fair market appraisal of your MSR asset including stratifications and detailed reports customized to meet your monthly, quarterly and annual business objectives. CMC’s actionable findings will inform your business strategies around your MSR portfolio.

CMC’s deep experience and knowledge in mortgageservicing and finance translates into a well-balancedapproach to MSR valuation & analysis.Set Your Spot TrendsPortfolio’s Strategy CMC monitors millionsOur detailed reports and of data points to developanalyses help chart the a real-time view of thecourse of your portfolio. servicing market.Gain Actionable Identify Product RiskIntelligence CMC’s reports can helpCMC provides more you identify problematicanalytics and detail product offerings thatthan our competitors expose you to risk.so you make the mostinformed decisions.Contact CMC today to learn more.814 A1A North, Suite 303 Ponte Vedra Beach, FL 32082 904 543 0052 www.capmkts.org [email protected] ©2017 Capital Markets Cooperative, LLC. All rights reserved.

SERVICING ACQUISITIONYou’re Selling. We’re Buying. You may be searching for a new option when  selling your servicing rights. CMC’s co-issue servicing acquisition program enables Fannie Mae- or Freddie Mac-approved Sellers to sell Agency direct through the cash window while simultaneously designating CMC as the servicer. CMC’s competitive pricing translates into an optimal delivery channel for your closed loans. CMC streamlines the sale of your MSRs by customizing delivery processes for your business. Contact CMC to learn how our innovative co-issue platform may be your answer for achieving optimal execution on the sale of your loans.

CMC Funding works to provide exceptional customerservice to both our Sellers and borrowers, providinga seamless MSR transaction. Our process includesunmatched quality assurance and process oversightthat provides a layer of protection for our MSR Sellers.Competitive Pricing Responsive SupportCustomized pricing with Superior support fromlimited credit overlays. application through loan delivery and servicing.Full Range Of ProductsAgency-eligible, TPO, Delivery OptionsARMs and affordable Best-efforts orhousing products. mandatory.Flexibility Quick FundingFlow, negotiated volume, Faster warehouseand bulk purchase options. line liquidity.Contact CMC today to learn more.814 A1A North, Suite 303 Ponte Vedra Beach, FL 32082 904 543 0052 www.capmkts.org [email protected] ©2017 Capital Markets Cooperative, LLC. All rights reserved.

PREFERRED PARTNERS Maximize Incentives. Minimize Costs.There are powerful advantages to the Cooperativemembership and it starts with the dollars and cents.CMC’s Preferred Investors and Service Providers areselected carefully to ensure that each one brings valueto our nationwide Patron member group of independentmortgage bankers, credit unions and financial institutions.Are there areas of your business where costs are higher?Are you seeing inefficiencies? A review of CMC’s Partnersmay lead you to the right solution. While CMC hasnumerous partnerships with the industry’s top investorsand service providers, we want you to capitalize on thepartnerships that fit your specific business needs.

It’s simple. Take advantage of whatever benefitsyour bottom line. Then, be sure to attend ournetworking forums for insightful peer-to-peercollaboration and educational support.Earn More Save MoreDeliver to our Preferred Our partners helpInvestors and maximize you save on mortgageyour earnings. & business-related expenses.Shared SolutionsConnect to Patron- Give Your Teamexclusive symposiums An Edgeand get answers. Attend exclusive, educational webinarsNetwork With that are tailored to you.Your PeersThe Annual Summit Ongoing Advocacyand other CMC forums Get plugged in to ahelp guide your stream of supportbusiness strategies. and analyses.Contact CMC today to learn more.814 A1A North, Suite 303 Ponte Vedra Beach, FL 32082 904 543 0052 www.capmkts.org [email protected] ©2017 Capital Markets Cooperative, LLC. All rights reserved.

OUR HISTORYServing Our Members Since 2003. Capital Markets Cooperative (CMC) has built a full suite of products and services that deliver significant profitability to its nationwide network of 400+ members that participate in CMC’s various programs. In 2016, Computershare Limited (ASX:CPU) acquired Capital Markets Cooperative and its wholly-owned subsidiary, CMC Funding. The acquisition is a strategic component of Computershare’s expanding U.S. mortgage footprint. Computershare’s stability, operational capabilities and financial backing supports CMC so the company can continue to grow and expand its selection of unique products and services offered to its growing base of Patrons. Visit www.capmkts.org to learn more. 814 A1A North, Suite 303 Ponte Vedra Beach, FL 32082 904 543 0052 www.capmkts.org [email protected] ©2017 Capital Markets Cooperative, LLC. All rights reserved.