- RatePlug provides interactive mortgage payment estimates within MLS property reports sent to customers. It allows users to adjust rates and see "what if" scenarios. - A 2011 study showed properties listed by agents using RatePlug spent 23.71% less time on the market between listing and contract dates across several major US markets. - The FTC has new rules for mortgage advertising. RatePlug's services are compliant by adding relationship disclosures and archiving flyers and displays for up to 6 years.

3. • RatePlug is embedded into the MLS system.
• When you send your MLS property reports to your customers, they will
now have access to accurate, interactive mortgage product and payment
information specific to each property. The payment information is based
on up to date interest rates from our uploaded interest rates and
includes property taxes, assessments, and home owner’s insurance
estimations.
• You and your customer can interact with the information and play “what
if” scenarios to best determine their financing needs. In addition, the
customer is given the ability to ask mortgage questions and is provided
access directly to us for contact information.
MLS Interactivity

5. 2011 RatePlug Study Results
The studies looked at 49,775 real estate transactions in 7 major marketplaces in the U.S.
(San Diego, Chicago, Washington DC, Maryland, Virginia, Delaware, Rhode Island). The
data was derived from Agents that are Active with RatePlug and Agents who are not Active
with RatePlug in order to determine the Total # of Days between List date and Contract
date. The data included Single Family homes, Townhomes and Condominiums
This demonstrates an Average of 23.71% reduction in the transaction timeline
between List Date and Contract Date for Agents that are using RatePlug across 7
major marketplaces in 3 regions of the U.S.

6. Agents use of RatePlug
Month MLS property
reports sent to
buyers
# of times buyer
“clicked” thru to play
“what if” scenario’s
# of flyers made
By lending partner(s)
August 2011 179,764 55,726 31,907
Sept. 2011 174,855 50,707 31,628
October 2011 144,922 46,375 29,330
6
Buyers want to see payment scenarios and agents who use the flyer service provide
them in their listings in addition to in emails to prospects.

13. FTC
Mortgage Advertising Practices
The FTC recently implemented new requirements regarding Mortgage advertising. It
prohibits misrepresentations and imposes recordkeeping standards on all real estate
professionals who provide information on mortgage products to consumers.
RATEPLUG KEEPS YOU 100% COMPLIANT ON ARCHIVING AND DISCLAIMERS
Relationship Disclaimer – RatePlug has added a new disclaimer based on the NAR
recommended language to our Property Flyer System that clearly states that the
Agent and the Real Estate company listing the property are not mortgage lenders
and any questions regarding financing should be posed to the lender directly. The
addition of this language protects the Agent from any potential misrepresentation
claims.
Recordkeeping Standards – the FTC has stipulated that any mortgage information
given to clients must be archived for up to 6 years. RatePlug now stores an image
of every property flyer created, as well as every RatePlug display that a client may
view and retains that image for easy recovery by both the agent and the lender.

14. Please click on the link(s) below to view property information.
Customer Full Report w/Rateplug
The link(s) sent with this email will expire in 60 days on 4/9/2113.
Agent Name, Broker/Owner
Your Real Estate Agency, Inc
i'mthebestagentever@gmail.com
cell (214)555-0000
http://www.imthebestagentever.com
The database information herein is provided from and copyrighted by the North Texas Real Estate Information
Systems, Inc. NTREIS data may not be reproduced or redistributed except as authorized by NTREIS. All
information provided is deemed reliable but is not guaranteed and should be independently verified. The
advertisements herein are merely indications to bid and not offers to sell which may be accepted. All properties
are subject to prior sale or withdrawal. All rights are reserved by copyright.
Copyright NTREIS©2012 All Rights Reserved. Your choices regarding email are respected.
If you wish to no longer receive correspondence of this nature please click the following link: click here to opt
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will look like…

15. Empowering home buyers with more
than just a flyer!
&
Scott Drescher • Vice President of Business Development
NMLS ID #168878
Direct: 214-444-9750 | Fax: 469-310-0204
Email: scottd@drescherteam.com
Website: http://www.drescherteam.com
18383 Preston Road, Suite 100, Dallas, TX 752542
Highlands Residential Mortgage NMLS# 941160