December 8, 2011

ACADEMY’S VISION

To Become the BEST Independent Mortgage Banker in the Country.

• BEST in class in delivering consistent quality and outstanding customer service to our partners.

• BEST in class in attracting, developing, supporting, and retaining top-performing loan officers.

• BEST in class in attracting, developing, supporting, and retaining top-performing employees.

• BEST in class in supporting, contributing, and improving the communities we work and live in.

• BEST in class in delivering financially sustainable results to our owners and employees.

REALTOR® ORIENTATION Reaching New Heights Together

Integrity - Teamwork - Service - Professionalism - Community

WELCOME!

Who We Are and What Makes The Difference

What We Do To Bring YOU More Borrowers

How We Make YOU Look Great!

Our REALTOR® Partners—are our top priority.

Operations – Marketing – Sales – Philanthropy

Proven programs have made us the 1st CHOICE Home Loan Lender with hundreds of REALTORS® and Builders across the United States.

Academy has 179 branches licensed in 46 states.Arizona is ranked #1 in production

Academy Branch Locations (as of 7/1/14)

ACADEMY’S FOOTPRINT

December 8, 2011

PERFORMANCE

TOP RETAIL VOLUME

Academy Ranks #7 in the United States according to Scotsman* Top Mortgage Lender 2012 in sales volume

Academy has been serving Arizona since 2009 and consistently ranks #1 & #2 in Maricopa County for Sales Volume according to Marketrac-Corelogic*

OUR CLOSEST COMPETITOR HAS BEEN IN THE MARKET 4X LONGER and we still out perform them!

* Accredited Third Party

BUILDER PARTNERSHIPS• Fulton Homes• Shea Homes• Pinnacle West Homes• Stonebury Homes• Kauffman Homes• Taylor Morrison• DR Horton • Hovnanian Homes• Garrett Walker• Ryland Homes• William Lyon Homes• Standard Pacific Homes• Bellago Homes• Providence

MATT MCKEAN, Kierland Branch Manager 21 years of Mortgage Banking in Maricopa County Managed over 15,000 successful transactions totaling more than $3

Billion Noted Speaker and trainer of Agents and Loan Professionals in Sales

and Business Innovation Bachelor of Science , Arizona State University

DEAN WEGNER, Sales Manager/Loan Officer Over 20 Years of Mortgage Banking in Maricopa County Certified Consumer Credit Counselor Public Speaker, TV, Radio Guru Accomplished Author and Publisher of Real Estate Books

MEET THE KIERLAND LEADERSHIP TEAM

EXPERIENCE

AMY CORRINGTON, Marketing and Branch Manager Assistant Two years experience assisting high volume loan officers/teams Account Executive for Dell Computers in Austin, TX B.A. Degree, University of Austin

MEET THE KIERLAND MARKETING TEAM

EXPERIENCE

GINA KAEGI, Branch Marketing Manager Director of Marketing for Realty Executives for six years Experience working in the technology sector before entering the real estate industry in 2004 B.S. in Communications, Oregon State University Licensed in Real Estate since 2005

MEET THE KIERLAND IN-HOUSE OPERATIONS TEAM

EXPERIENCE

Heather Siedentop Underwriter

Susan UnderwoodLoan Officer Assistant

Johl JohnsProcessor

Miriam WolffSW Regional

Processing Manager

Ashley FordProcessor

AnnaMarie HurtadoUnderwriter

Susan CookUnderwriter

Kathy Hinck Processor

IN-HOUSE OPERATIONS TEAM

DIRECT Lender. Local loan processing, underwriting, closing, and funding give Academy the speed, accuracy, and flexibility needed to meet your buyers’ expectations.

FLEXIBLE Branch Model. Our flexible branch model and infrastructure provides local support to our Partners in ways larger organizations can’t.

This means we can often CLOSE DEALS sooner, making your buyers happier!

H.O.M.E. CLUB

Loan Officer Will Coach Client Incubates Potential Borrowers Goal is to get client APPROVED ADD addition revenue you normally

wouldn’t capture

WE WANT YOU TO LOOK GREAT

Buyer Friendly Loan Programs

In-Branch Underwriting

Branded/Co-Branded Marketing Collateral

MobilityRE Lead Capture

Exclusive Academy/ Program

At Academy Mortgage, you—

our Realtor® Partners—are our top priority

MARKETING & SERVICES

Drone Aerial Services

Academy Studios/Green Screen Continuing Education Classes

Consumer Workshops

Personal Remote Office Training Room Accessibility

BUYER FRIENDLY PROGRAMS

Conventional – Fixed Rate, Adjustable and Jumbo FHA and VA Home Loans FNMA and FHLMC products Down Payment Assistance Make-Over (Renovation Loan) State Housing Loans Refinancing Manufactured USDA Rural-Housing

HOME-MAKE OVER LOAN

IMAGINE CREATING THE HOME OF YOUR CLIENTS DREAMS! Academy is the only lender offering this program! Allows a borrower to finance the purchase price or refinance the

existing balance and the cost of the improvements into the loan amount.

It is a single close, fully amortized SINGLE loan!

AFTER! BEFORE

HOME-MAKE OVER LOAN

Acquire More Listings Increase the VALUE of your listings Significantly increase your referrals Get an “edge” to your listing presentations Differentiate yourself from other Realtors®

AFTERBEFORE

REAL STORY

SCENARIO: A recent client was told she could not get a loan from another mortgage company.

Had a FICO score of 595 10 month job gap last year Had to assist her father and took time off Also had 10 housing judgments from her previous residence

SOLUTION: We were able to close this loan with a letter from the employer confirming the job gap and she paid the judgments off.

REAL STORY

SCENARIO: Client was turned down by several lenders for having an open

$21,000 charge from 3 years ago with B of A Credit Card going FHA Had no funds for closing costs

SOLUTION: Academy allowed the charge off to remain without being paid off Loan docs to title 5 days early and covered all closing costs Client found a dream home and had a 25 day closing

LOCAL SUCCESS STORY

Academy closed a $1.35 MILLION Loan in July 2014! Listing Agent, June Shapiro

Academy Studios

Build Rapport Build Your Personal Brand Increase Your Online Traffic Educate Your Clients Put a Face to Your Name Reach Your Database Quickly Only $15 a video!

MILESTONE MARKETING

· DOCUMENTATION VIDEOIHM Trigger date: APPLICATION RECEIVEDAMP Pipeline Field: APPLICATION · APPRAISAL VIDEOIHM Trigger date: APPRAISAL ORDEREDAMP Pipeline Field: APPRAISAL ORDERED · UNDERWRITING VIDEOIHM Trigger date: SUBMITTED TO UNDERWRITINGAMP Pipeline Field: SUBMITTED TO UNDERWRITING · CLEAR TO CLOSE VIDEOIHM Trigger date: DOCS DRAWNAMP Pipeline Field: CLEAR TO CLOSE · CONGRATULATIONS VIDEOIHM Trigger date: FUNDEDAMP Pipeline Field: FUNDED

Once the loan is opened we will inform your client every step of the way with five highly-customized and dynamic videos

Academy Studios

Build Rapport Build Your Personal Brand Increase Your Online Traffic Educate Your Clients Put a Face to Your Name Reach Your Database Quickly Only $15 a video!

CONSUMER FLYERS

Academy Studios

Build Rapport Build Your Personal Brand Increase Your Online Traffic Educate Your Clients Put a Face to Your Name Reach Your Database Quickly Only $15 a video!

C0-BRANDED MARKETING

We Customize Flyers, Postcards, Door Hangers, Sign Riders and MORE!

Academy Studios

Build Rapport Build Your Personal Brand Increase Your Online Traffic Educate Your Clients Put a Face to Your Name Reach Your Database Quickly Only $15 a video!

Exclusive Zillow Partnership

Grow your business with Academy & Zillow!

Academy is the ONLY lender that Zillow has partnered with in Arizona due to our successful long standing participation

Get access to “hard to purchase” AZ inventory

Monthly “’face-to-face” lead generation meetings

Academy Studios

Build Rapport Build Your Personal Brand Increase Your Online Traffic Educate Your Clients Put a Face to Your Name Reach Your Database Quickly Only $15 a video!

GO MOBILE With Your Custom-Branded App!

Academy will design sign riders with your custom CODE

SHARE with everyone looking to buy a home

ALL INQUIRIES GO TO YOU AT NO CHARGE!

https://mobilityre.com/

Academy Studios

Build Rapport Build Your Personal Brand Increase Your Online Traffic Educate Your Clients Put a Face to Your Name Reach Your Database Quickly Only $15 a video!

Academy Studios

Build Rapport Build Your Personal Brand Increase Your Online Traffic Educate Your Clients Put a Face to Your Name Reach Your Database Quickly Only $15 a video!

Academy Studios

Build Rapport Build Your Personal Brand Increase Your Online Traffic Educate Your Clients Put a Face to Your Name Reach Your Database Quickly Only $15 a video!

Academy Aerial/Drone Services

Earn More Listings Build Your Personal Brand Appease your Sellers Increase page views Affordable! www.AcademyAerial.com

Get Educated The Academy Way

Relevant Finance Classes Continuing Education Consumer Workshops Public Home Buyers Classes

We make learning FUN, INTERACTIVE & MEMORABLE!

EVENTS

YOUR OFFICE AWAY FROM HOME

• Complimentary Training Room Accessibility for Your Events

• We Can Schedule Home Buyer Workshops for Your Clients!

• Utilize our office for day-to-day business

YOU’RE ALWAYS WELCOME!