1. Service Overview Sales & Marketing Guidelines

3. AMC/HVCC MDIA

4. Disclosure Process

5. Processing

6. Underwriting

7. Funding

8. Marketing

9. CommunicationsHome loans to your clients Banker in a Box © 2010 PMAC Lending Services, Inc. All rights reserved.

11. AMC/HVCC MDIA

12. Disclosure Process

13. Processing

14. Underwriting

15. Funding

16. Marketing

17. CommunicationsHome loans to your clients Banker in a Box © 2010 PMAC Lending Services, Inc. All rights reserved.

19. 100% commission payout minus Corporate Cost and Taxes (15%)

20. CRM, LOS, HR, Administration and all “Back Room” operations taken care of

21. Group Insurance and 401K

22. Consistent Industry Relevant Marketing Collateral Delivered Directly To You

23. On-Going Training – Live at PMAC University or Via Webinar

24. Access to all PMAC brick and mortar locations

25. Access to PMAC University for training events, webinars and FTHB seminars

26. PMAC U is a Fully Functional Training /Business Facility with 15x15 Built in Move Screen and Retractable Projector and sound system for Presentations and Webinars. © 2010 PMAC Lending Services, Inc. All rights reserved.

28. (Item B) Everything Accessible through the Internet

29. (Item C) PMAC Mortgage Lending Enterprise

30. (Item 1) – Loan Origination & Task Assignments

31. (Item 2) – Management, Loan Origination & Processing

32. (Item 3) - Loan Underwriting, Funding & Post Closing Data Management

33. (Item W) Warehouse Lending w/ Correspondent Relationships

34. (Item D) Multiple Borrower Types

35. Fannie Mae Seller Servicer, HUD Full Eagle© 2010 PMAC Lending Services, Inc. All rights reserved.

37. Through Increased Production and Decreased Costs

38. Greater Resources & Support

39. Operations

40. Latest Technology

41. Refines Workflow & Process

42. Marketing & Advertising – Creating Demand

43. More Competitive

44. Great Choice, Convenience and Satisfaction from your clients

45. Loan Product Access

46. Greater Control

47. Meeting and Managing Customer Expectations

48. Reduced Liabilities

49. Standardization

50. All Loans Consistently Packaged

51. Eliminate Long Broker Lists

52. One Conduit for All Loans© 2010 PMAC Lending Services, Inc. All rights reserved.

54. Turnkey End to End Mortgage Lending Enterprise

55. LenderLink

56. Quick & Easy Best Practices

57. Sales Process – Disclosure, MDIA, AMC, HVCC

58. Loan Selection & Pricing

59. Needs List Provided & Task Management

60. Total Compliance with All Governmental Agencies

61. In House Underwriting & Funding

62. Event Trigged E-mailing, Tasking, and Updating To Appropriate Parties

63. 24/7 Communication to All Parties from any Windows/ Internet PC in the world

64. Transaction History to audit the entire file

65. Unique Database Marketing

66. Targeted to your Clients Needs based on Key Trends

67. Loan Selection

68. Assistance

69. Start Up Costs and Monthly Subscription

70. Marketing Collateral & Promotion

71. Training, Training and Training© 2010 PMAC Lending Services, Inc. All rights reserved.

73. Developing Your Business Plan & Time Management

74. Providing, Implementing and Training You with All PMAC Resources

75. Full Technology Access

76. Licensed/Operating in 9 Western States

77. Start Up Expense Assistance

78. Virtual Office-Everything you need is online

79. Loan Processing, Funding all done transparently and Centralized

80. Corporate Benefit Plan

81. Compliance & QC

82. Sales

83. Select the Loan & Control the Loan Pricing

84. Marketing

85. Personalized Marketing Materials for Templates

86. Loan Program Collateral

87. Loan Scenario Collateral

88. Corporate Collateral

89. Open-House Collateral© 2010 PMAC Lending Services, Inc. All rights reserved.

91. 3 – 5 Years in the Mortgage Lending Business

92. Established Production History

93. Verify via W-2 Pay Check Stubs/ Financial Statements

94. Production

95. Background

96. Employment Application

97. References

98. ADP Background Report

99. No Felony Convictions

100. Fees

101. Start-up and Set-up Costs determined by election of products© 2010 PMAC Lending Services, Inc. All rights reserved.

102. Banker in a Box :: Pricing Options* * All pricing options are fully explained in Banker In A Box Cost Agreement © 2010 PMAC Lending Services, Inc. All rights reserved.

103. Banker in a Box For more information regarding our Banker in a Box program contact: Phillip V. Rodriguez V.P. So. Cal Production (909) 539-6568 Direct: (714) 925-3991 Cell: Email: prodriguez@pmac.com For more information about PMAC, visit us online at www.pmac.com . Take an online tour of our Corporate Headquarters: http://www.pmac.com/corporate-tour.html © 2010 PMAC Lending Services, Inc. All rights reserved.