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First United Bank Difference

Banking • Mortgage • Insurance • Wealth Management

At First United, we are proud of our past, grateful for our present and excited about our

future. Over the past 110 years, First United has grown from a single-unit bank into a

regional community bank serving Oklahoma and North Texas with 43 locations. And

despite the current challenges with the national economy, we are strong, stable, secure

and growing.

Through it all, First United has stood strong and remained committed to helping others through

these difficult economic times. Our profitability reflects the success of this commitment.

We continue to grow through the expansion of our Mortgage Group, the launching of First

United Insurance Solutions, and the consolidation of our Trust and Investments departments

into our new Wealth Management Department. The progress of each division of First United

has been achieved while maintaining unwavering commitment not only to responsible banking practices, but to the success of

our customers.

First United is fortunate and grateful for all the relationships that make this such a special and successful company. Our

customers. Our employees. Our partners. Our communities. And our stockholders who share our long-term perspective of

success. It is our commitment to focus on our constituents more than ever before to ensure they all have a healthy economic

future and live life to the fullest.

Thank you for your trust and support.

Best regards,

Greg Massey

President/Chief Executive Officer

First United Bank & Trust

Message from the CEO

Our BankFirst United is one of the nation’s premier financial institutions providing a wide range of products and services to customers throughout Oklahoma and Texas.

Today, we are recognized as one of the largest and most well-capitalized banking organizations in the Southwest region of the United States, with assets of more than $3 billion. Additionally, we’re one of the largest privately held community banking organizations in the country, serving approximately 75,000 customers. We offer 37 convenient banking locations in 19 communities and 14 stand-alone mortgage offices – employing more than 750 employees.

For over a 100 years we have proudly brought the best in full-service banking backed by local ownership, friendly staff, advanced technology and a strong sense of community.

Our Mortgage Group• 235 employees

• 21 originating offices with 8 of those having operational support

• Servicing portfolio of $3 Billion and growing

• In-house underwriting, funding and servicing

• A true mortgage bank, not a broker or correspondent conduit

• Recognized as one of the top 3 mortgage banks in Oklahoma

• Committed to becoming a premier mortgage bank in Dallas/Ft. Worth

• We are not saturated with or hampered by multiple layers

• We have the flexibility and ability to close loans in less than 25 days

• A positive environment where employees are supported and encouraged to reach their full potential

Our Mortgage Growth

Mortgage Group Historical Timeline

1994Became a Fannie

Mae Seller/Servicer

2001Hired a Loan

Originator in Pauls Valley, OK and McKinney, TX

2013New Plano Office with Operations

Center

New Rockwall office

Surpassed Annual Originating Volume of

$1 Billion

Service Portfolio of $2 billion

2014New NorthPark office

New Southlake office

Service Portfolio of

$3 billion

2004Amassed $102mm

in our Servicing Portfolio

Millions1100

1000

900

800

700

600

2005 2006 2007 2008 2009 2010 2011 2012 2013

500

400

300

200

100

0

2005Officially formed

a stand alone Mortgage Company.

Acquired F&M Bank in Denton, TX with a small mortgage

operation.

Acquired Southwestern Bank

and Trust in OKC and opened a Mortgage

Operation in that location.

Opened a Mortgage operation in

McKinney, TX, and Tulsa, OK

Sold and released servicing on all closed loans

originated outside the Oklahoma bank

locations.

2007Began servicing

almost all originated

mortgage loans

2009Independent

mortgage salesoffices in Ardmore,

OK, joined First United

Became a Ginnie Mae Seller/Servicer

2010Opened offices in Edmond, OK,

Muskogee, OK, and Grapevine, TX

2011Opened an office in

Burleson, TX

2012Opened offices

in Plano, TX, and Tahlequah, OK.

Originated over $2 billion since

2005 and currently servicing over $1.2

billion.

1999Bank acquired First

State Bank and Trust of Shawnee

with one Mortgage Loan Consultant.

Hired a full time loan consultant in

Durant, OK

It’s not too late for you to be an integral part of our History & our Growth…

Closed Volume

Our ExperiencedLeadership Team

Mark DawsonExecutive Vice President, Financial Services

Tara PriceSenior Managing Director

Strong management team withextensive experience & knowledge

in the mortgage industry.

Darren VittitowGreater Oklahoma City Market Director

Ronette JonesOklahoma Community Banks Market Director

Danny FlanneryMortgage Market Manager, Tulsa

Kristofer SandersDirector of Talent Acquisition

Helena HargettDFW Mortgage Market Manager

Beau TannerDFW Mortgage Market Manager

Right Place, Right Time!

Our Benefits

• Residential lending has gone through a significant change. Competitors, regulatory requirements, pricing and the customer base are all in a state of uncertainty and flux. Banks, including ours, continue to be stable and to flourish in spite of the current market.

• Credit quality, fraud, and delinquencies have created pressure from investors and correspondent lenders to create massive overlays, while First United limits overlays.

• Competition from mortgage brokers has been decimated and new regulatory burden on such brokers could keep them at a disadvantage for some time, or at least put banks in the driver’s seat (something that has been lacking for a decade or more).

• Mortgage consumers are looking at banks as reliable, trustworthy, and stable and are more apt to visit and use a local bank for their mortgage needs.

• The power of servicing your mortgage customer’s loan is a significant advantage in building and maintaining relationships.

Compensation

• Aggressive performance based compensation plan

• Standard pay period on commissions (no waiting for loans to be sold)

• Yearly volume bonus

• No loan performance restrictions on compensation

• Reward and recognition program for our top performers

Marketing

• Affiliated business agreements with realtors and builders for co-marketing opportunities

• Monthly marketing allowance

• Employer paid marketing/advertising sponsorships

• Access to marketing library of materials

• Relationship marketing program with in-house support designed to keep you in touch with customers, prospects, and business partners with automatic delivery of birthday and holiday greetings, campaigns, newsletters and more.

Technology

• Top of the line customer relations management tool

• Strong software system supported by Ellie Mae

• Web-based pricing engine

• Personal websites with fully integrated online application

Benefits

• Employer paid health benefits

• Matching 401K plan,

• ESOP

• Wellness program

• And more

Our Products

Our Customers

• Competitive pricing with minimal fees

• Direct FNMA & FHLMC seller – no investor overlays

• Issue GNMA securities - FHA / VA / USDA / 184

• Expanded programs :

• Jumbo program

• FHA manual underwrites down to 600 score

• Portfolio bank lending possibilities

• Interim financing provided

• Follow DU findings specifically

• One Time Construction Loan – new and renovations

• Doctor Loans

Our Mortgage Consultants primary purpose is to originate mortgage loans through new and existing relationships.

We strive to:

• Always promote ourselves, our employer, and the industry in a professional and positive manner

• Co-brand with our referral partners

• Provide exceptional service to our referral partners

• Do what we say and when we say we will do it!

• Keep our Company informed on what is going on in the market to always ensure we are and always stay competitive

• Our Mortgage Loan Consultants are our internal Customers

We want to count you as one of our Customers.

Our Mortgage CommitmentFirst United Bank Mortgage is committed to being a recognized brand and a leading mortgage lender who works daily to earn the trust of its customers, employees, vendors and referral partners:

• By pursuing, hiring, and retaining the best and most experienced mortgage professionals available in our markets who share in our vision;

• By employing a management team that constantly and consistently puts our team in a position to successfully carry out our vision;

• By always operating with high moral and ethical standards and ensuring that we always put our customers in the right product to fit their financial needs, both for today and tomorrow;

• By embracing our bank and referral partners and ensuring we meet their goals and put their needs above our own;

• By offering a wide range of products with operational turn times that are faster than any competitor and service that is unparalleled; and,

• By meeting our closing dates, guaranteeing our commitments, and exceeding expectations 100% of the time.

Proudly Serving Our Customers inOklahoma and North Texas

Ada, OK

Bokchito, OK

Calera, OK

Colbert, OK

Denton, TX

Durant, OK

Holdenville, OK

Hugo, OK

Krum, TX

Madill, OK

McKinney, TX

Oklahoma City, OK

Pauls Valley, OK

Sanger, TX

Sapulpa, OK

Seminole, OK

Shawnee, OK

Tecumseh, OK

Wewoka, OK

Ardmore, OK

Burleson, TX

Dallas North Park

Edmond, OK

Grapevine, TX

Moore, OK

Muskogee, OK

Norman, OK

Owasso, OK

Plano, TX

Rockwall, TX

Southlake, TX

Tulsa, OK

Full Service Banking Centers Stand-Alone Mortgage Centers

We combine our individual talents to achieve high

performance. We live as a team, succeeding together.

We hope you’ll join our team.

fubmortgage.comBanking • Mortgage • Insurance • Wealth Management