Invest your career with

U.S. Bank Home Mortgage

Invest your career with

U.S. Bank Home Mortgage

Putting the Power of US to work for you!

Being a part of the 5th largest bank in the country, U.S. Bank Home Mortgage has the strength, stability, and culture you’re looking for as you take the next step in your career. We’re investing in technology, we have one of the best product sets in the industry, our branches provide mortgage referrals, and most importantly, we put our customers first!

We believe that our people make the difference and we are looking for someone like you to continue the outstanding tradition of U.S. Bank Home Mortgage. This is an exciting time to be an Mortgage Loan Originator so join our U.S. Bank Home Mortgage team today!

Rick Aneshansel, EVP

U.S. Bank Home Mortgage

U.S. Bancorp Mission

We put the power of US to work for you."

It's the U.S. Bancorp mission. It represents who we are as a company and the way that we’re providing best-in-class service to our customers each day. It’s also about you--our employees--and the unique contribution you make to continually help strengthen and grow our great company.

U.S. Bank - Achieving Our Mission• Engaging our employees – Great customer and community service starts with our

employees. We encourage and recognize great service through our prestigious Circle of Service Excellence program, The Best in US Recognition System, various internal promotions and more.

• Increasing value for our shareholders – We make U.S. Bank a solid and stable investment for our shareholders through consistent earnings and revenue growth, in addition to our strong efficiency ratio.

• Deepening service and relationships for our customers – We put the power of US to work for our customers by listening to their needs and delivering the right financial solutions.

• Building our communities – With hundreds of U.S. Bancorp Foundation grants each year and through partnerships with organizations such as United Way and Habitat for Humanity, we’re fostering continued support and growth in the communities we call home.

U.S. Bank Service Values Trust – We inspire confidence in the banking industry and in U.S. Bank by behaving

with the highest ethical standards and providing transparency.

Accountability – We take ownership of our actions and perform with a sense of urgency and commitment.

Respect – We appreciate the importance we play in our customers’ and coworkers’ lives and we leverage the value of people’s differences and perspectives.

Connection – We seek to understand the needs of each person and deepen relationships with our customers and coworkers in a way that makes them feel special and helps them achieve their goals.

Collaboration – We share industry knowledge and work together for the good of our customers, coworkers, shareholders and communities.

Growth – We constantly push for improvement that leads to remarkable experiences, and we find new ways to help our customers maximize their financial well-being and the quality of their lives.

U.S. Bank Pride Points• 5th largest bank in the US

• #3 Mortgage lender

• #3 Purchase Mortgage Lender

• #6 Retail Mortgage Lender

• #6 Mortgage Servicer

• Top 3 Retail Lender in 2012 and 2013 in Customer Service as reported by JD Power

• Best Capitalized Bank in the US

• Most trusted companies in Retail Banking in 2013 Poneman Institute

The U.S. Bank CultureWe value the contribution of each employee. We believe that highly engaged and inspired

employees will create incredible customer satisfaction.

We are very proud of our unique culture. We listen to our employees to help us understand

how we can deliver a batter experience for our customers, business partners and peers.

U.S. Bank – The Right Choice Extensive product line with very competitive pricing options Purchase focused lender –we over-index the market in purchase

volume 3100 branch network and referrals to and from U.S. Bank business

partners - which provides a continuous stream of referrals to your business. Our close alignment and collaboration with our Bank has resulted in over 40% of our mortgage volume being referred by our bank partners

Strong nationally recognized brand Salesforce / CRM Program

Expand Your Business With U.S. Bank Best in class efficiency = more competitive pricing Product variety including:

• Non QM /Portfolio Loan Programs

• Construction and Lot Loans

• Agency products including Homepath, HARP,HASP and , Hasp, DU Refi Plus.

Defined policy exception process Private Mortgage Banking opportunities with commissions paid at

standard tiers Lender Paid MI programs Lender Paid Buydown programs on FHA/VA Long term locks up to 12 months for new home buyers

U.S. Bank Customer Service is Key Consistent, predictable service Competitive pricing Broad product line allows you to reach out to more customers We service our loans; provides your customers with assistance after

closing Access to banking products and services

U.S. Bank Compensation Plan Recoverable Draw (monthly)

Highly Competitive Commission Plan – full commission paid on bank referrals

Reimbursement for Business Expenses

Authority for Pricing Exceptions up to .375%

Incentive income for Cross-sell referrals to our bankers

U.S. Bank Benefits• Health Benefits

Medical Dental Vision Long term Disability Life Insurance

• Savings and Retirement 401k Pension Plan Real Steps Retirement Program

• Employee Discounts / Offers

U.S. Bank Recognition – Top Performance

• Presidents Club

• Presidents Circle

• Sales Contests

Sante Fe, New MexicoMaui, Hawai’i