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A WHOLE NEW EXPERIENCE WITH MARKETING OUR MARKETING TEAM IS DEDICATED TO ENSURING WE CREATE AN INDUSTRY COMPETITIVE ADVANTAGE. NEW PENN’S MISSION EXCEED THE EXPECTATIONS of our residential mortgage borrowers and business partners through superior service, simple processes, and effective communications. We deliver on this mission: By empowering our employees •  By encouraging and recognizing superior performance and innovative solutions •  By promoting teamwork and divisional cooperation •  MARKETING’S MISSION is to give sales a competitive advantage over their competitors & assist with developing prospects. Our strategy translates business development by: Ensuring each sales person is portrayed in the best light with both partners and customers •  Providing content that creates value for the various customer segments, B2B or B2C •  Deploying processes and tools that help give each sales person the ability to maximize their personal exposure •  Utilizing automation systems to help alleviate burdensome tasks, allowing sales to focus on closing loans and building relationships •  Communicating both internally and externally at all stages of the loan process •  Collaborating with sales and measure what works vs what doesn’t, sharing results, and adjusting for continuous improvement • 

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  • A WHOLE NEW EXPERIENCE WITH MARKETING

    OUR MARKETING TEAM IS DEDICATED TO ENSURING WE CREATE AN INDUSTRY COMPETITIVE ADVANTAGE.

    NEW PENNS MISSION

    EXCEED THE EXPECTATIONS of our residential mortgage borrowers and business partners through superior service, simple processes, and effective

    communications. We deliver on this mission:

    By empowering our employees

    By encouraging and recognizing superior performance and innovative solutions

    By promoting teamwork and divisional cooperation

    MARKETINGS MISSION is to give sales a competitive advantage over their competitors & assist with developing prospects. Our strategy

    translates business development by:

    Ensuring each sales person is portrayed in the best light with both partners and customers

    Providing content that creates value for the various customer segments, B2B or B2C

    Deploying processes and tools that help give each sales person the ability to maximize their personal exposure

    Utilizing automation systems to help alleviate burdensome tasks, allowing sales to focus on closing loans and building relationships

    Communicating both internally and externally at all stages of the loan process

    Collaborating with sales and measure what works vs what doesnt, sharing results, and adjusting for continuous improvement

  • DELIVERABLES & COLLATERAL

    SPEAKING TO YOUR AUDIENCE

    BRANDING & SWAG

    PREQUAL TO CLOSING

    ONBOARDING COLLABORATION MSA SUPPORT POST CLOSINGTECHNOLOGY & AUTOMATION:EMAIL CRMSOCIAL AUTOMATIONINSTANT FLYER CREATION

    2 3 4 5 6 7 8 9

    STRATEGY TO DELIVER RESULTS - FULL SCALE SOLUTION:

    OUR STRATEGY TO DELIVER AMAZING RESULTS

    OPERATION, PRODUCTS, LEADERSHIP, AND PERSONAL BRANDING. These are the four most important items to a loan officer, and marketing

    plays a role in all levels.

  • NEW PENNS SUCCESSFUL RECRUITING STRATEGY

    AT NEW PENN FINANCIAL, we understand that recruiting can be a full time job. We want to ensure that we showcase our managers in the best light and

    help you engage with potential candidates.

    CHALLENGE: In many cases recruiting top talent takes time, energy, consistency, and frequency. Top employees are not active job seekers. It can be difficult to be in front of them at that key moment when they are susceptible to making a job change.

    SOLUTION: New Penn has tools available to help you stay in front of your target audience with messaging that not only resonates with potential hires but also creates awareness of the opportunities available.

    HOW THIS HAPPENS:

    Management PR Announcements: Each new manager will receive a dedicated PR announcement that is broadcasted nationally with social advertising. This ensures that your network knows the appreciation we have for you and signals to those connected to you that we will be hiring.

    Job Sharing Social Automation: Our recruiting system allows you to socially connect all jobs you are hiring for in multiple markets and have those jobs automatically appear on your social feeds at a designated frequency you set. Additionally, you can get your staff involved through referrals on their networks with the same social share functionality.

    Social Messaging Campaigns: Managers receive a specific tag within our social CRM system where we will generate industry messaging that showcases your personal brand as an informed industry expert while alerting potential candidates that youre actively looking for top talent.

  • INTELLIGENT ONBOARDING FOR A SMOOTH TRANSITION

    WE UNDERSTAND THE challenge of transitioning to a new company and the importance of ensuring you hit the ground running so there is no gap in

    personal production.

    CHALLENGE: When an individual decides to make a change there is a period of transition where they must get acclimated to new systems, load databases, transfer licensing, and learn about available collateral.

    SOLUTION: New Penn Financial has a comprehensive onboarding transition process that begins the day you sign your offer letter, not after you start.

    HOW THIS HAPPENS:

    One on One assessment & Data Gathering: Prior to your start, an onboarding concierge will contact you to assist with ensuring your paperwork is in order to start on time. The concierge will also begin gathering details for your profile page, PR announcement, and database.

    Kickstart First Week: Once you have your database loaded we will begin with CRM training, send your contacts I have moved messages, send you a welcome kit with new hire collateral, and deliver the marketing playbook showcasing all marketing that is available to you.

    Reference & Acceleration: We have consolidated all of the marketing systems trainings, important links, forms, and onboarding steps in one location so you are able to learn and transition at the appropriate speed that you feel most comfortable.

    Welcome Kit With Branded Items

  • DELIVERABLES & COLLATERAL

    HAVING THE APPROPRIATE content is important in conveying the right messaging to the right audience.

    CHALLENGE: Many times loan officers are restricted by a limited selection of collateral pieces, forcing them to utilize pieces that may not be appropriate for their target audience.

    SOLUTION: Aside from maintaining an abundant collateral selection, we focus on adjusting the messaging to fit different groups such as various types of buyers or different referral partners. Additionally, we will ensure the same messaging is available on multiple mediums so you can deliver messaging in a format that is most suitable to your audience.

    WHAT THIS MEANS:

    Available Collateral: We maintain a collateral library that houses pieces for almost every need in multiple formats. This consists of but is not limited to product information, open house, promotional, tips and tricks, understanding the process, and policy changes like TRID.

    Distribution Channels: Depending on the collateral piece, we make sure that we give you the ability to distribute in a manner which is most appropriate to your audience. This could include print advertising, email messaging, social media messaging, e-books / e-brochures, and co-branded flyers.

    Ongoing Development: We hold monthly sales committee meetings to get ideas for new collateral ideas directly from our salesforce. This ensures that we continue to develop relevant and engaging collateral pieces.

  • SPEAKING TO YOUR AUDIENCE

    AT NEW PENN FINANCIAL, we believe in providing you with the tools and materials that score you meetings with agents and help educate the members

    of your branch who are vital to your success.

    CHALLENGE: Keeping the attention of busy agents and loan originators on topics that can sometimes be dry.

    SOLUTION: New Penn provides a multitude of presentation topics and accompanying leave-behinds in varying formats that play to various meeting lengths, whether is be 15 minutes or an hour. Not everyone is a natural at presenting, so we also provide education and training to our LOs on how to present so its more fun and energetic.

    WHAT THIS MEANS:

    Meeting in a Box: Pulling from a library of constantly updated materials helps our branch managers continually educate their branch with new product knowledge or marketing ideas.

    Lunch & Learns: Weve compiled a collection of presentations for your meetings with agents, whether its a short desk-side chat or an hour+ session.

    Leave Behind Collateral: All presentation kits are accompanied with branded leave behind materials, so the content continues to live and educate after the meeting is over.

    Engaging Presentations

    Professional Leave Behinds

  • COLLABORATIONAT NEW PENN FINANCIAL, we understand the importance of creating

    impactful content that will make the loan officer the subject matter expert and help build relationships.

    CHALLENGE: Many times loan officers need presentations, flyers and articles on industry and specific topics that are important in the current mortgage industry and in their current markets.

    SOLUTION: New Penn Financial holds monthly marketing committee meetings with a mix of managers, sales and marketing staff to brainstorm content and distribution ideas.

    HOW THIS HAPPENS:

    Select a Marketing Committee: Every quarter New Penn Financial solicits and selects volunteers from across the company to join the marketing committee. The volunteers are committed to participate in the meetings and willing to aid in content generation.

    Monthly Meetings: The Marketing Committee meets monthly to receive updates on new marketing initiatives, develop new content ideas for blogs and social media, suggest new product flyers and e-mails to meet current needs and discuss other innovative ideas

  • TECHNOLOGY - SOCIAL NETWORK AUTOMATION

    AT NEW PENN FINANCIAL, we believe that connecting frequently with your sphere of influence is pivotal in developing your brand, making new

    connections, and growing your business.

    CHALLENGE: While every sales person knows social networking is an important facet of their continued growth, they also know it takes time, effort, and consistency. It is also a difficult function to prioritize: you are busy with clients now, leaving no time to write content to distribute. Implementing this type of campaign can be demotivating as it may not pay dividends until months in the future.

    SOLUTION: The New Penn Financial marketing department will manage your social media campaigns for you while granting you permission to allow or deny certain types of messages depending on whether or not you feel it will resonate with your target audience.

    Marketing Develops Content

    Content is Shared on Approved

    Accounts

    Viewer Reads Full Article on LOs Blog Page

    LO Approves Content

    LO Gets New Referral

    Business

    Social Network Views Preview & User Clicks URL

    Governance: All users will have the option to approve messaging before it is placed on their social media news feeds.

    Lead Development: When readers engage with messages there will be URL tags that redirect the person who engaged back to the personal LO page. There they will see additional messaging and calls to actions like phone number, email, and 1003 application.

    HOW THIS HAPPENS:

    Process:

  • TECHNOLOGY - INSTANT FLYER CREATION

    AT NEW PENN FINANCIAL, access to hundreds of flyers covering a wide-range of topics is available within a few clicks. Your contact information is

    automatically included, and its super simple to cobrand any of these flyers.

    CHALLENGE: Having the materials you need on short notice.

    SOLUTION: Easy-to-use flyer creation portal stocked with 200+ pieces of content that will suit just about every situation and audience.

    HOW THIS HAPPENS:

    Co-Branded Flyers: Add your agents to your flyers with a couple of clicks of your mouse. Its super easy to use, and your agents will appreciate the easy-to-read, well-designed flyers where they are equally represented.

    Open House Flyers: Stay compliant and take the guess work out through our open house flyer portal that is synced to daily rates.

    Product Flyers: Conventional or Portfolio, weve got a flyer for all our New Penn products with the specifics for each one.

    When Finding the Right Jumbo M

    ortgage

    is Critical to Closing Your Deal...

    Ask About New Penn Financial

    s Jumbo Advantage.

    With our Jumbo Advantage you

    dont have to turn away qualifie

    d jumbo borrowers simply beca

    use they dont fit in

    the narrow guidelines for conve

    ntional loans. We recognize that

    not all jumbo borrowers are the

    same.

    Jumbo Advantage is available f

    or refinances, new home purcha

    ses, and even certain condos an

    d multiple-unit

    dwellings. It features generous c

    riteria specifically designed to a

    ccommodate creditworthy borrow

    ers who need

    jumbo loans at market-leading

    rates.

    Qualifying FICO starting at 680

    DTI up to 43%

    Up to 85% LTV (No MI)

    First Time Home Buyers Accept

    ed

    Delayed Financing

    (re-coup up to 85% on all cash

    purchase)

    Self-Employed Okay

    Loan Amounts up to $2M

    Fixed: 10, 15, 20, 25, 30-yr off

    erings

    ARMs: 5/1

    The New Penn Financial Jumb

    o Advantage Offers:

    Dont wait - contact a New Pen

    n Financial mortgage specialist

    for details today.

    Your client can secure a jumbo

    mortgage, and you can close y

    our deal... when you work with N

    ew Penn.

    All loans are subject to credit an

    d property approval. Programs, r

    ates, terms and conditions are s

    ubject to change without notice.

    Other restrictions apply. New P

    enn Financial, LLC, 4000

    Chemical Road, Suite 200, Plym

    outh Meeting, PA 19462. Corp

    NMLS#: 3013. Licensed by the

    Department of Corporations un

    der the California Residential M

    ortgage Lending Act. CO:

    To check the license status of y

    our mortgage loan originator, vis

    it http://www.dora.state.co.us/re

    al-estate/index.htm. GA - Georgi

    a Residential Mortgage License

    e. IL: Illinois Residential

    Mortgage Licensee. KS: Kansas

    Licensed Mortgage Company. Ne

    w Penn Financial, LLC is license

    d in Massachusetts as a Mortga

    ge Lender. Massachusetts Mort

    gage Lender License:

    License Number: ML-3013. MS

    : Licensed by the Mississippi De

    partment of Banking and Consu

    mer Finance. NH: Licensed by th

    e New Hampshire Banking Dep

    artment. NJ: Licensed by

    the N.J. Department of Banking

    and Insurance. NY: Licensed M

    ortgage BankerNYS Departmen

    t of Financial Services. OR: Oreg

    on License Number: ML-4667.

    PA: Licensed by the PA

    Department of Banking. VA: Virg

    inia State Corporation Commiss

    ion (License Number: MC-5119

    ). WA: Washington Consumer L

    oan Company Licensee.

    2015 New Penn Financial, L

    LC All rights reserved.

    All loans are subject to credit and property approval. Programs, rates, terms and conditions are subject to change without notice. Other restrictions apply. New Penn Financial, LLC, 4000

    Chemical Road, Suite 200, Plymouth Meeting, PA 19462. Corp NMLS#: 3013. Licensed by the Department of Corporations under the California Residential Mortgage Lending Act. CO:

    To check the license status of your mortgage loan originator, visit http://www.dora.state.co.us/real-estate/index.htm. GA - Georgia Residential Mortgage Licensee. IL: Illinois Residential

    Mortgage Licensee. KS: Kansas Licensed Mortgage Company. New Penn Financial, LLC is licensed in Massachusetts as a Mortgage Lender. Massachusetts Mortgage Lender License:

    License Number: ML-3013. MS: Licensed by the Mississippi Department of Banking and Consumer Finance. NH: Licensed by the New Hampshire Banking Department. NJ: Licensed by

    the N.J. Department of Banking and Insurance. NY: Licensed Mortgage BankerNYS Department of Financial Services. OR: Oregon License Number: ML-4667. PA: Licensed by the PA

    Department of Banking. VA: Virginia State Corporation Commission (License Number: MC-5119). WA: Washington Consumer Loan Company Licensee.

    2015 New Penn Financial, LLC All rights reserved.

    Own A Home With As Little As 3% Down!New Penn Financials affordable conventional financing allows you to put as little

    as 3% down on your new home. Now thats something to celebrate!

    Many companies limit their conventional loans to down payments of 5% - not us. We have expanded our guidelines

    to reach more customers and provide better service. A 3% down payment is just one of the things that makes New

    Penn Financial a better choice.

    New Penn BenefitsWe know that you can find a conventional loan pretty

    much anywhere these days, so why choose us? FREE Credit EnhancementFAST turn around timesCompetive ratesHometown service - we are in your community!

    HighlightsMore affordable payment optionMake a down payment of just 3%

    No pointsNo hidden feesLow closing costsFixed rate and adjustable rate mortgage options

    Credit scores starting at 620Contact me to find out if this option is right for you!

    Professional Branded Flyers

  • BRANDING & SWAG

    AT NEW PENN FINANCIAL, we know the importance of branding to build and maintain an excellent reputation from the corporate

    image to the loan office.

    CHALLENGE: Many times loan officers do not have the tools and resources available to create and support their individual and corporate brand image.

    SOLUTION: We provide many options that will provide appropriate branding with limited actions needed by the loan officer. HOW THIS HAPPENS:

    Online Presence: New Penn Financial provides every loan officer with a branded website page to showcase the loan officers history and provide easy access to calculators and online applications. In addition, the marketing department can manage the loan officers social media platforms to ensure they look like mortgage experts to their prospects and peers.

    Online Store: Our online store offers all things New Penn. In just a few clicks you can have everything you need for your clients, customers and realtors ranging from pens and notepads to mugs, hats, and blankets.

    New Penns Branded Items

  • MSA SUPPORTAT NEW PENN FINANCIAL, we ensure that partnerships are represented fairly. Our online store contains the quality materials youll need to outfit agent offices with collateral and promotional items that represent us in a

    professional and unique way.

    CHALLENGE: Continuing to be represented inside the agent office after youve left the building.

    SOLUTION: 24/7 access to an online store with high-quality printed collateral and unique promotional items to stock your partners office. HOW THIS HAPPENS:

    Easy to Use: Simple navigation and shopping cart summary make getting started in the store simple and fun.

    Wide Assortment: Our store stays stocked with dozens of items to choose from, and we are updating it with new items regularly with input from our originators.

    Reporting: Have a full understating of what has been supplied to your partners for compliance attestation.

    New Penns Branded Items

  • CUTTING EDGE EMAIL MARKETING PLATFORM

    NEW PENN FINANCIAL PROVIDES INNOVATIVE EMAIL MARKETING SOLUTIONS

    OUR CUTTING-EDGE MARKETING APPROACH

    TO EMAIL AND CONVENTIONAL MARKETING

    IS DESIGNED TO EASILY HELP YOU BUILD A

    LASTING PERSONAL RELATIONSHIP WITH

    EACH OF YOUR HOMEOWNERS, REFERRAL

    PARTNERS, AND PERSONAL NETWORKS.

    OUR CRM PROVIDES:

    AUTOMATION

    COBRANDING

    CUSTOMIZATION

    INTERNAL OPPORTUNITY FLAGS

    EXTERNAL MILESTONE NOTIFICATIONS

    POST CLOSING

    TRACKING

  • CUTTING EDGE EMAIL MARKETING PLATFORM - IN PROCESS VIDEOS

    AT NEW PENN FINANCIAL, we understand that buyers may become worried about the purchase process even while loan officers and real estate agents are

    working steadily.

    CHALLENGE: Homebuyers need to know whats going on in the loan process, feel connected to their team of professionals and understand steps they can take while they wait for closing.

    SOLUTION: New Penn Financial emails a series of Welcome to the Mortgage Process videos at different stages of the loan process. These lighthearted videos keep clients informed and aware of next steps.

    WHAT THIS MEANS:

    Educated Homebuyers: Our clients know where their applications are in the mortgage process and they understand the actions they should be taking (or avoiding, in some cases) as things move forward.

    Team Approach: They see us working together on their behalf. A Fun Process: As a bonus, we introduce a little bit of levity into what can be a stressful time.

    Feedback: The videos even have a thumbs up button so buyers can let us know what they think of the job were doing.

    Customer milestone e-mails are cobranded, include processor, and LO details. Milestone Moments:

    Introduction & Docs Needed Initial Purchase AgreementAppraisal OrderedUnderwriting ReceivedConditional ApprovalClear to Close

  • CUTTING EDGE EMAIL MARKETING PLATFORM - MORTGAGES UNDER

    MANAGEMENTAAT NEW PENN FINANCIAL we understand that our Partners in Success are

    looking for more than just rate sheets and customer service.

    CHALLENGE: Financial professionals traditionally do a better job than mortgage professionals at counseling clients on how assets are performing against market conditions.

    SOLUTION: New Penn Financial has a Mortgages Under Management service for valued clients and friends.

    WHAT THIS MEANS: We proactively track market conditions, so your clients will never have to guess if theyre in the right loan.

    The solution is two-fold:

    Bi-Annual Mortgage Updates: Every 6 months, we conduct an analysis for each client and communicate the results in an easy-to-understand summary. This valuable service is provided free of charge.

    Opportunity Alerts: Well also establish a preset rate and payment savings target for each client. In the case that mortgage rates drop unexpectedly, New Penn Financial will notify the client immediately with an action plan thats right for them.

  • CUTTING EDGE EMAIL MARKETING PLATFORM - OPT IN AUTOMATED

    EMAIL CAMPAIGNSYOURE BUSY keeping up with your work. Who has time to keep up with the

    economy, too?

    CHALLENGE: Tracking changes in the markets so you can answer client, referral partner, and colleague questions.

    SOLUTION: Quick weekly updates on interest rates, economic conditions and the housing market. Email updates with customized frequency and messaging tailored to fit the contact type.

    WHAT THIS MEANS:

    Timely Updates: Depending on the type of contact, emails can be automated with the ability to opt in or out of specific campaigns, while maintaining the ability to manually select certain content, giving the ability to reach everyone frequently with very little effort.

    Quick Reads: The newsletter contains read-ata-materials and brief bullet points with updates on financial and housing industry news that is easily digestible and tailored to the type of reader.

    IF YOU HAVE A BUSINESS RELATIONSHIP, WE HAVE IT COVERED.

    REFERRAL PARTNERS: Automated emails (Markets in a Minute & Weekly Preview)

    PROSPECTS: Manual co-branded multi week email campaigns and monthly industry news campaign

    CUSTOMERS: Automated in process milestone emails, automated monthly campaign, and occasion emails for

    holidays and birthdays

    FRIENDS & FAMILY: Opt-in automated monthly campaigns and occasion emails for holidays and

    birthdays

    BUSINESS PARTNERS: Manual selection of hundreds of email templates tailored to your specific message

  • CUTTING EDGE EMAIL MARKETING PLATFORM - PRE-PURCHASE

    COMMUNICATIONEVERYONE KNOWS that not all home lookers become home buyers. Sometimes,

    the lookers who start with us may become buyers with someone else.

    CHALLENGE: Transforming a looker into a client and a raving fan.

    SOLUTION: After first interacting with a client, we set them on a cobranded, pre-purchase email campaign.

    WHAT THIS MEANS:

    Amazing Communication: Through regular cobranded emails, our prospects see us working together for them even before they buy, and theyre likely to remember both the agent and the loan consultant at decision time.

    Educated Buyers: Our educational emails teach the prospect some DOs and DONTs of maintaining their credit and buying a home.

  • CUTTING EDGE EMAIL MARKETING PLATFORM - EDUCATIONAL MATERIALS

    SOMETIMES, POTENTIAL BUYERS NEED HELP navigating the purchase process. They may even contact you to start a home search when they arent

    prepared at all.

    CHALLENGE: Prospective clients may not have made the financial preparations to purchase a home, or they may not understand the process. They may even need help determining whether this is a good time to buy.

    SOLUTION: New Penn Financial has a full library of cobrandable, printable flyers and informational emails to educate our clients and keep in touch at every stage, from dreaming to looking, to closing and beyond.

    WHAT THIS MEANS:

    Educated Buyers: Homebuyers have LOTS of questions, and our materials contain LOTS of easily shared answers!

    Broad Based Content: From explanations of common acronyms to historical trend analysis to details of specific loan programs, our materials contain trustworthy information for those who are new to the process and more seasoned clients.

    Established Expertise: Because were on top of the educational content, our clients will see us as the experts who can and will answer their questions.

  • CUTTING EDGE EMAIL MARKETING PLATFORM - CLIENT GREETINGS

    CLIENTS AND PROSPECTS LIKE TO BE KNOWN - not just as a home sale or a loan application, but as our neighbors and friends.

    CHALLENGE: Its difficult to remember clients special days and maintain personal contact for years after a closing.

    SOLUTION: Before they buy, during the process, and long after our clients have settled into their homes, we mark birthdays, holidays and loan anniversaries with co-branded email greeting campaigns.

    WHAT THIS MEANS:

    Personalized Service: Of course, all email greetings address the recipient personally. Even the occasional video greeting addresses our clients by name.

    Top-Of-Mind Team: With regular communication from us, our clients will remember us, theyll view us as a team, and theyll know how to contact us.

    More Smiles: Our messaging is thoughtful, sincere and, when appropriate, fun. Clients will look forward to receiving our unique greetings.

  • CUTTING EDGE EMAIL MARKETING PLATFORM - JUST LISTED ALERTS

    FROM YOUR DATABASEHOW MANY TIMES HAVE YOU closed a deal with a client, only to drive

    through their neighborhood a few years later to see a For Sale sign in front of their house with a different Real Estate agents name on it? At New Penn Financial we understand this is one of the most frustrating things that can

    happen to us in the industry.

    CHALLENGE: You have done all of the right things to try to keep in touch with your database over the years, but a competitor won the business when it was time for your client to re-enter the market. How do you pinpoint exactly when a client is ready to make another transaction and ensure you are top of mind with them at the right time?

    SOLUTION: New Penn Financial has a custom solution that monitors the internet for listings as they appear. We look at search engines, FSBO sites, and other industry specific listing sites for new listings with addresses that match someone in your database. We can now tell you when any of your past clients list their home for sale.

    WHAT THIS MEANS: For FSBO deals, it allows you the unique sales opportunity of picking up the phone and calling your client to re-sell them on the benefits of using a Real Estate agent early on in the sales cycle. If they have already contracted with another agent, it allows you the opportunity to find out why they didnt use you again and also see if they have a Real Estate agent to help them find a new home (they are moving after all). These data give you more ammunition when you make that initial phone call than you have ever had before. This Just Listed alert service is another great benefit of doing business with New Penn.