Realtor Presentation Booklet-Daniel-Update_FINAL

Working together to turn leads into clients into long-term relationships1

COMPREHENSIVE MARKETING PLATFORM Real estate experts say that fewer than one in five homeowners actually use their real estate agent again after a first transaction. What is the primary reason they do not rehire their agent? They simply cannot remember their agent’s name. At Academy Mortgage, we understand that maintaining relationships with “closed” clients is a full-time job in itself. So with your need to always be on the go meeting the demands of your current clients, Academy and I offer you an industry-leading, comprehensive marketing platform to help you stay top of mind with your clients long after the “For Sale” sign in the front yard has been removed. Our platform is also very effective at the beginning of a transaction, helping you turn leads into buyers. It’s a team effort with mutual benefits. As a real estate agent and a mortgage loan originator, we team together to make a homebuyer’s first loan happen. But the first transaction is only the beginning of our long-term commitment to the homebuyer. Academy’s unique marketing platform will help ensure we are successful in meeting this commitment and in generating future opportunity for both of us. The Academy Marketing Platform (AMP) includes: traditional mediums, like flyers and postcards; digital email campaigns; and mobile solutions to deliver relevant, real-time, and personalized information. Please consider these tools added value to your partnership with me and Academy. I look forward to working with you to build and nurture strong relationships with our clients to last for many years to come. Daniel French, Loan Officer | LO NMLS #369115 8920 West Tropicana Avenue, Suite #105 Las Vegas, NV 89147 Direct: (702) 665-5762 | Cell: (702) 332-3532 | Fax: (928) 295-2339 [email protected] www.academymortgage.com/danielfrench State Lic NV #39065 | Corp Lic NV #2731 and 1147 | Corp NMLS #31132

BIOGRAPHY Dan French is a Southern CA transplant, with a multi-faceted background in lending with over 11 years in home financing, specifically. Dan has a main objective of providing the highest level of customer service and prides himself on being available to answer any technical questions throughout all transactions. He provides step-by-step instructions and communication until the transaction is complete. He has been a part of a team that was in the top 1% originators in 2013 and he understands the level of commitment and one-on-on service each of his clients need. Dan enjoys playing softball and indoor soccer in his spare time. His family is of utmost importance and he spends every minute he has with his family. He is self driven and believes that hard work will always have its rewards. Welcome! It’s all about service at Academy Mortgage, and our company has been meeting the needs of homebuyers across the United States since 1988. I joined Academy because of its strong reputation for integrity-based mortgage lending, its unwavering commitment to responsible lending practices, and for its broad portfolio of mortgage solutions and tools. Since joining Academy, I have helped many individuals and families attain the dream of homeownership. Whether you want to buy a new home or refinance an existing mortgage, I will provide a customized solution for you at competitive rates. No brokering, no middleman, no hassle, no surprises. Academy is a direct lender, which means that my Branch and Regional Offices are equipped to complete the entire loan process in-house—all loan processing, underwriting, closings, and funding are handled locally. As a result, we have a proven track record of closing loans as quickly and efficiently as possible. I will be in control of your loan file from start to finish, and I will be up-to-date on the status of your loan at all times. I understand the importance of maintaining continuous communication throughout the loan process and commit to providing you accurate, timely, and honest mortgage advice. I invite you to put us to the test. Let me show you how simple and easy securing a mortgage can be.3

ACADEMY MARKETING PLATFORM (AMP) The Academy Marketing Platform (AMP) is a full-feature client-relationship management system. It enables me as your Loan Officer to be in complete control of our partnership’s marketing needs on demand. AMP includes: • Co-branded marketing materials • Co-branded email campaigns ▫▫ Mortgage Prep 101 campaign ▫▫ Leads campaign ▫▫ Zillow leads campaign ▫▫ Pre-qualified homebuyers campaign ▫▫ First-time homebuyers campaign ▫▫ Post-close campaigns • Milestone Marketing videos • Newsletters and informative emails ▫▫ Partner newsletters: “Marketing Quick Tips” and “Markets in a Minute” ▫▫ Co-branded informative customer emails: “Rate Alerts” and “1st CHOICE News Briefs” • Opportunity alerts ▫▫ Bi-annual mortgage alerts ▫▫ “Listing Alerts” when past clients list their homes for sale Academy also offers innovative mobile solutions: • MobilityRE, a custom-branded home search app • My Mortgage App, a co-branded app for homebuyers and homeowners alike.4

CO-BRANDED MARKETING MATERIALS Through AMP, our partnership will have access to hundreds of useful, compliance-approved marketing tools, campaigns, and ideas customized to our clients’ needs. Nearly all of the materials in our library can be co- branded with both of our contact information. Sample materials include: • Co-branded flyers, including our popular Open House and Rate Sheet flyers • Co-branded postcards • Co-branded guide to buying a home • Co-branded email blast templates, including homebuyer education pieces and product-specific informational pieces $0 TITLE 123 Anystreet Anytown, Utah Property Offered by: MAIN FEATURE Jane Jones Realtor Happy Realty Financing available from: Danyale Christensen Academy Mortgage YOUR NEW LIFE BEGINS HERE 250,000 555 Happy feet Drive Asking Price 30-YEAR FIXED 15-YEAR FIXED TCDolootawslinnLgoPaCanyomstesnt (%) $0 $0 30-YEAR FIXED 15-YEAR FIXED FHA 5/1 ARM VA FIXED RATE Term $0 $0 FHA 5/1 ARM VA FIXED RATE hsHheoroemuledHbieghlilsitgehdts $0 $0 Interest Rate $0 $0 $0 $0 Asking Price $0 $0 $0 $0 APR $0 $0 examples Down Payment (%) $0 $0 $0 $0 $0 $0 $0 number of Closing Costs $0 $0 $0 30 Yea$$r00sPPMrrooinpncetirhptyalylT&PaaxInytmereenstts 30 Years 15 Years bedrooms Total Loan $0 $0 5%PMI $0 $0 numbers of Term 30 Years 15 Years 30 Years 0%HInOsuArance 5% 5% 30 Years 30 Years bathrooms Interest Rate 5% 5% 5% 0% 0% Garage APR 0% 0% 0% 5% 5% Monthly Payments $0 $0 0% 0% Lot size Principal & Interest $0 $100 $100 Property Tax $100 Total Monthly $0 $0 Granite Counter PMI $0 $0 $0 $100 $100 tops Insurance $0 $0 $0 Payment $75 $75 $75 $100 $100 $50 $50 $0 $0 etc. $1Ra0te0s $0 $0 $75 $75 $0 $0 $0 $50 $50 $75 $75 a va ilable a s of MM/DD/YYYY $0 $0 $75 HOA $50 $50 $50 $50 Total Monthly Payment $0 $0 $0 Da ny a le C hris t e ns e n$0 Cad1o(caG28arn2pdr0y0aeaN1mElpeMa)y.hscmL2thiSoc7r3ir8st#D3g0te3a0-eng13Sses1e7o.ic3nugo3@tnm|h8a,e/CcSoarardnp|edmSyNt,yaMUmteTLoLSr8itc4g#a0Ug9Te4.#c5o4m91140-MLCO Jane Jones Jane Jones Not affiliated with Academy Mortgage. R▲52e9aCDlteuoclklr:vi(ll5e5D5r.,)R7iv6er5to-n4, 3UT2112345 Realtor DGraapnhyicaDl eesiCgnherr isten s e n ▲ Cell: (555) 765-4321 | NMLS # 529 Duckville Dr., Riverton, UT 12345 [email protected] (1daC82aco20nar0yd1paeEl)maNes.2yMctmh37Lro8Si3sr0tt-g0#e3an3Sg7s1oee3u1.nct3@o8hm,a|Sc/Caaondrdepym,SyUtmaTtoe8r4tLgi0ac9gU4eT.c#o5m491140-MLCO [email protected] Academy Mortgage. Danyale Christensen Not affiliated with Academy Mortgage. Not affiliated with Graphic Designer | NMLS # (801) 233-3738 aRdadteitsioanrael msuobnjethcltyteoxcpheannsgees dauned tmo auynfboererseeqeuniremdatrokeestccroonwdibtiyonthseabnodrrthoewebro'srrloewnedre'sr.cTrheidsitisprnooftilae.cTohmesmeitfmiguernetstoalreenpdr.oAvdiddietidonaasl ecxoanmdiptiloenss. ,Eqaucahlilfoicaantiiosnusn,iaqnude,raensdtritchteiobnosrrmowayera'spptelyr.mARsMmsaayrveaarydjfurosmtabtlheorsaetedimscolrotsgeadg.eTsa. xes and insurance are 1220 East 7800 South, Sandy, UT 84094 [email protected] academymortgage.com/ Co r p NMLS #3113 | Corp State Lic UT #5491140-MLCO Rates are subject to change due to unforeseen market conditions and the borrower's credit profile. These figures are provided as examples. Each loan is unique, and the borrower's terms may vary from those disclosed. Taxes and insurance are additional monthly expenses and may be required to escrow by the borrower's lender. This is not a commitment to lend. Additional conditions, qualifications, and restrictions may apply. ARMs are adjustable rate mortgages. Please call Danyale Christensen at Academy Mortgage for more information at (801) 233-3738.5

MORTGAGE PREP 101 CAMPAIGN To help encourage our prospective clients to get mortgage-ready, Academy’s Mortgage Prep 101 campaign delivers mini-lessons on several mortgage-related topics. Each of the emails is co-branded with both of our contact information and covers short, basic, easy-to-understand information about applying for a mortgage. This digital campaign includes 8 touch points throughout a 4-month period: • Introduction: Some initial mortgage calculations • Credit scores: The basics • Credit scores: Dealing with negatives • Credit scores: How to improve your score • Create a budget • Organize your financial documents • Get pre-qualified • Choose a loan and a house (The 3 lessons on credit scores note that Academy and its Loan Officers do not provide credit counseling or credit repair.)6

LEADS CAMPAIGN Academy’s Leads campaign captures the attention of prospective clients with informative, fun, and catchy emails to keep them engaged as they begin the home buying process. The Leads campaign is automatically sent to all clients in “Lead” status. This digital campaign includes 10 touch points throughout a 4-month period: • All about Academy • What to expect during the loan process • Home inspection vs. home appraisal: What’s the difference? • Tips for a simple loan approval • Enjoy the benefits of working with a direct lender • Academy ranks among the best • Your home loan can help save the world • Turn to Academy for the latest mortgage news • Spread the word about Academy • Realize the advantages of homeownership7

ZILLOW LEADS CAMPAIGN Academy’s Zillow Leads campaign specifically targets prospective homebuyers who have completed our pre-qualification form on the popular real estate website. It also promotes the big news that Academy is the top-rated mortgage company on Zillow. (Source: Zillow Lender Directory as of 7/1/2016) With the same content as the Leads campaign, this digital campaign includes 11 touch points throughout a 2-month period: • Welcome email • Academy is Zillow’s Top-Rated Mortgage Company • All about Academy Mortgage • What to expect during the loan process • Know the difference between two key mortgage terms: Home inspection vs. home appraisal • Tips for a simple loan approval • Enjoy the benefits of working with a direct lender • Your home loan can help save the world • Turn to Academy for the latest mortgage news • Spread the word about Academy • Realize the advantages of homeownership8

PRE-QUALIFIED HOMEBUYERS CAMPAIGN Academy offers an engaging and informative email campaign for homebuyers who are pre-qualified for a mortgage but have yet to take the next steps in the home buying process. The campaign addresses “Top 5” lists of reasons they may be delaying buying a home, tips for working with real estate agents, and expectations for the home buying process. I will manually designate which of our clients should receive this campaign and remove clients when they move beyond pre-qualified status. This digital campaign includes 12 touch points throughout a 7-month period: • 5 Reasons to Be Glad You’re Pre-Qualified for a Mortgage • 5 Reasons Why Now Is the Time to Buy a Home • 5 Reasons Why Homeownership May Be Better Than Renting • 5 Reasons Homebuyers Should Work With a Real Estate Agent • 5 Questions You Should Ask Your Real Estate Agent When Buying a Home • 5 Tips to Help Sell Your House Quickly • 5 Videos to Help You Understand the Home Buying Process • 5 Factors Underwriters Look at When Approving a Home Loan • 5 Tips to Improve Your Credit Score • 5 Reasons Why Academy’s Loan Programs Will Work for You • 5 Reasons Why It May Be Time to Move to a Larger Home • 5 Reasons Why You Should Contact Your Loan Officer Today9

FIRST-TIME HOMEBUYERS CAMPAIGN It’s no secret that first-time homebuyers often have the most questions—and most anxiety—about buying a home. This email campaign answers commonly asked questions about the mortgage process as it walks inexperienced homebuyers through the steps of buying a home. Academy’s guide to buying a home is a great companion piece to this campaign. This digital campaign includes 11 touch points throughout a 2-month period: • Congratulations on beginning your journey toward the American Dream • Am I the right lender for you? • Are you pre-qualified yet? • What documentation will you need to provide for your loan? • What are the steps in the loan approval process? • Which loan program is right for you? • What is “underwriting” all about? • What are closing costs? • What does your monthly mortgage payment include? • What does a title company do? • Have any questions?10

POST-CLOSE CAMPAIGNS Academy has developed completely automated, customized post-close campaigns that include up to 40 touch points throughout a 5-year period. These campaigns consist of engaging emails, professionally designed greeting cards (delivered by first-class mail), and personalized gifts, in addition to a Customer Satisfaction Survey after the completion of the loan transaction. If we decide as a team to utilize campaigns including printed greeting cards and gifts, Academy has production and delivery systems in place to execute these tactics. Post-Close Campaign Schedule: 5-Year Birthday Email Campaign (10 Touch Points) • Birthday email greeting to borrower, sent on Birthday, 5-Year Post-Close Email Campaign (17 Touch Points) • Thank you email to borrower with Customer years 1–5 • Birthday email greeting to co-borrower, sent on Birthday, Satisfaction Survey • Email reminder about settlement statement, sent on years 1–5 February 5, year 1 5-Year Holiday Email Campaign (10 Touch Points) • Mortgage check-up email, sent on Loan Anniversary, • New Year’s email greeting, sent on January 1, years 1–5 • Season’s Greetings email, sent on December 15, years 1–5 • Independence Day email greeting, sent on July 4, years 1–5 years 1–5 • Thanksgiving Day email greeting, sent on Thanksgiving, years 1–5 BDo9er2rx4otewAre,urUb’srTeN5ya2Sm9t7.e611

MILESTONE “ MARKETING VIDEOS Academy has created five highly customized and dynamic videos that are sent at specific milestones throughout the mortgage process to educate the homebuyer on what is involved with each particular step. “The response from our Partners and homebuyers to these videos has been overwhelmingly positive: “I really liked the videos that were sent to my client who happened to be a first-time homebuyer. The videos and my Academy Loan Officer provided my client with the perfect information to keep him comfortable all the way to the closing table.”—Kim C., Partner “I can’t be more satisfied with the level of professionalism and prompt and knowledgeable representatives I have worked with at Academy. The videos are extremely helpful, and I couldn’t be a happier person with the process.”—Alfredia A., Homebuyer Academy’s Milestone Marketing Video Series The complete video series takes borrowers on the “road to homeownership,” with you as the buying agent listed as a key member of the “pit crew.” 1. The Documentation Stage: The first video details important documents required and “potholes” to avoid (like buying a car) when beginning the mortgage process. It also introduces the Loan Estimate and E-Consent. 2. The Appraisal Stage: The second video explains the appraisal process, what an appraiser looks for in a home, and how an appraisal differs from a home inspection. 3. The Underwriting Stage: The third video goes through the critical tasks an underwriter performs when evaluating a loan file. 4. The Closing Stage: The fourth video highlights the information included in the Closing Disclosure. 5. Loan Completion: The last video congratulates the borrower on the completion of the mortgage process and encourages the borrower to complete the Customer Satisfaction Survey. It also asks for referrals. 1234512

PARTNER NEWSLETTERS Academy and I offer you the best and most timely information about our business through frequent emails. These communication pieces highlight what is happening and what is hot in the industry. Marketing Quick Tips Our bi-weekly newsletter, “Marketing Quick Tips,” provides useful information on developments in the housing market and mortgage industry, as well as helpful sales tips and announcements about the newest products on the market. MARKETING QUICK TIPS Helping you open doors to success Markets in a Minute “Markets in a Minute” is a quick-read email sent on Fridays updating you on the week’s news in the housing and financial markets.13

CO-BRANDED CUSTOMER EMAILS Keeping clients informed about current market conditions can be difficult and time-consuming for you as their real estate agent. Academy and I take the time and effort out of you having to hunt for this information by providing it for you, directly by email to your clients and branded with both of our contact information. Rate Alerts Through Academy, I have access to real-time trading data that affects mortgage rates. I am alerted by email and text message when market movement may affect your buyer’s rate. By immediately relaying this information to your buyers, I can protect them from unexpected changes in the interest rate environment that could cost them their home and cost you the transaction. 1st CHOICE News Briefs Academy distributes a monthly customer newsletter, “1st CHOICE News Brief,” via email with: articles on hot topics currently impacting the mortgage industry and housing market, helpful tips for prospective homebuyers and current homeowners, and the latest news at Academy.14

BI-ANNUAL MORTGAGE UPDATES Twice a year, Academy conducts an analysis for each of our customers on how his or her mortgage is performing against current market conditions. I then communicate the results to my clients in an easy-to- understand summary. This valuable service is provided free of charge. Mortgage Check-Up Alert Your clients will never have to guess if they’re in the right loan again. Academy establishes a preset rate and payment savings target for each customer. If mortgage rates drop unexpectedly, I will notify your clients immediately with an action plan that’s right for them.15

LISTING ALERTS There are few things more frustrating to a real estate agent than closing a deal with a client only to see that client list his or her home for sale a few years later with another agent. Academy and I want to help prevent this from happening to you. Our Listing Alerts do just that; alert you when your past clients have listed their home for sale. We monitor the Internet for listings as they appear. We look at search engines, “For Sale by Owner” (FSBO) sites, and other industry-specific sites for new listings with addresses that match someone in your database. I will then alert you when any of your past clients list their home for sale. In FSBO situations, this alert may give you the opportunity to contact your clients and re-educate them on the benefits of using a real estate agent to sell their home. If your clients have already contracted with an agent, this alert may give you the chance to discover the reasons why they didn’t choose to use your services again and to see if they have a real estate agent to help them find a new home.16

MOBILITYRE How would it be as a real estate agent to become THE contact agent for EVERY listing on the Multiple Listing Service (MLS)? Academy offers an app for that! Our Partners are generating thousands of buyer inquiries with Academy’s powerful, custom-branded mobile solution for buyers to search for homes on the go— MobilityRE. MobilityRE is an all-in-one mobile real estate technology package which combines the best mobile solutions into a single cloud-based platform. The benefits of MobilityRE to you as a real estate agent: • You get your own custom-branded MLS app. Every listing on the MLS becomes branded to you with your contact info. • Your buyers are able to search for homes on the MLS using your app. • You can track your buyers’ activity and interests and follow-up using the data the app stores. • You can send the app directly to your buyers to assist with their house hunting. • The app uses the most accurate MLS data feed. • You will generate more leads and increase your pipeline.17

MY MORTGAGE APP The My Mortgage App is a useful mobile app for homeowners and homebuyers alike. It allows users to access simple payment calculators, upload required documents, and stay up to date on their loan status. Branded with both of our contact information, users may easily contact us using the app. The benefits of the My Mortgage App to you as a real estate agent: • Primary branding on the home screen of the app. • Agent dashboard to track installation and usage. • Your preferred contact information at your clients’ fingertips. • Quick links to your websites and social media profiles. • Your mobile-optimized home search website can be accessed directly in the app. • Easily share the app with as many people as you like.18

The ultimate goal of this marketing platform is to support you in deepening your relationships withyour clients. Through the home buying process, your clients become our clients and we becomea team—a team we hope these clients return to and refer their family and friends to for all of theirhousing and mortgage needs.Equipped with these tools and backed by the support teams at Academy Mortgage,you and I will work seamlessly together to ensure each homebuyer feels as valuedfive years from now as they do today. Daniel French, Loan Officer | LO NMLS #369115 8920 West Tropicana Avenue, Suite #105 Las Vegas, NV 89147 Direct: (702) 665-5762 | Cell: (702) 332-3532 | Fax: (928) 295-2339 [email protected] www.academymortgage.com/danielfrench State Lic NV #39065 | Corp Lic NV #2731 and 1147 | Corp NMLS #3113 MAC118-1452468